Citibank, National Association closing costs and rates (2024)
In 2024, Citibank, National Association originated 8,983 purchase mortgages at a median interest rate of 6.25% and median total closing costs of $7,112. That ranks #50 nationally by origination volume. For total closing costs among lenders with 500+ originations, Citibank, National Association ranks #377. That is $371 above the national median of $6,741. Citibank, National Association is most active in California with 3,071 originations there.
Purchase Originations
8,983
Ranked #50 nationally
Median Total Costs
$7,112
+5.5% vs national ($6,741)
Median Rate
6.250%
−5.6% vs national (6.620%)
Median Origination
$1,190
Median Lender Credits
$5,295
Cost Rank (500+ vol.)
#377
among lenders with 500+ originations
Breakdown by loan type
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 8,951 | 6.250% | $7,105 | $1,190 |
| fha | 27 | 6.250% | $9,796 | $2,440 |
Active states
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| California | 3,071 | 6.250% | $7,698 | #12 |
| New York | 2,452 | 6.250% | $6,836 | #7 |
| Illinois | 672 | 6.375% | $6,662 | #35 |
| New Jersey | 505 | 6.250% | $7,087 | #29 |
| Florida | 328 | 6.250% | $8,381 | #124 |
| Texas | 300 | 6.312% | $9,136 | #162 |
| Virginia | 191 | 6.250% | $5,894 | #89 |
| Washington | 191 | 6.125% | $5,507 | #75 |
| Maryland | 189 | 6.250% | $6,407 | #68 |
| District of Columbia | 158 | 6.250% | $7,143 | #5 |
| Massachusetts | 143 | 6.125% | $6,095 | #70 |
| Pennsylvania | 122 | 6.375% | $7,176 | #144 |
| Colorado | 80 | 6.250% | $3,722 | #116 |
| Georgia | 78 | 6.312% | $6,323 | #157 |
| North Carolina | 76 | 6.375% | $4,647 | #164 |
| Tennessee | 58 | 6.375% | $5,758 | #162 |
| Connecticut | 50 | 6.438% | $6,980 | #74 |
| Nevada | 44 | 6.250% | $6,344 | — |
| Arizona | 38 | 6.312% | $7,669 | — |
| South Carolina | 27 | 6.500% | $5,304 | — |
| Oregon | 21 | 6.375% | $6,616 | — |
| Ohio | 18 | 6.625% | $5,686 | — |
| Utah | 18 | 6.125% | $4,970 | — |
| Missouri | 17 | 6.250% | $5,470 | — |
| Indiana | 15 | 6.375% | $3,356 | — |
| Michigan | 15 | 6.375% | $4,114 | — |
| Minnesota | 15 | 6.625% | $4,706 | — |
| Oklahoma | 9 | 6.500% | $4,502 | — |
| Delaware | 7 | 6.375% | $5,775 | — |
| Kansas | 7 | 6.250% | $3,144 | — |
| Wisconsin | 7 | 6.375% | $3,927 | — |
| Alabama | 6 | 6.188% | $4,362 | — |
| Maine | 6 | 6.562% | $5,594 | — |
| New Hampshire | 6 | 6.250% | $5,436 | — |
| Hawaii | 5 | 6.250% | $8,387 | — |
| Idaho | 5 | 6.250% | $8,766 | — |
| Louisiana | 5 | 6.250% | $5,908 | — |
| Arkansas | 4 | 6.625% | $4,315 | — |
| Iowa | 4 | 6.312% | $4,647 | — |
| New Mexico | 4 | 6.750% | $8,555 | — |
| Rhode Island | 3 | 6.875% | $4,127 | — |
| Vermont | 3 | 6.500% | $7,654 | — |
| West Virginia | 3 | 6.375% | $4,103 | — |
| Montana | 2 | 6.000% | $5,651 | — |
| Wyoming | 2 | 7.000% | $5,470 | — |
| Kentucky | 1 | 6.500% | $7,892 | — |
| Mississippi | 1 | 6.625% | $5,406 | — |
| South Dakota | 1 | 6.375% | $6,137 | — |
Top counties by origination volume
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,694 | 6.125% | — | 555 | −$2,418 | |
| 2 | $4,908 | 6.125% | — | 633 | −$2,204 | |
| 3 | $5,548 | 6.125% | — | 136 | −$1,564 | |
| 4 | $6,611 | 6.375% | — | 488 | −$501 | |
| 5 | $6,791 | 6.250% | — | 277 | −$321 | |
| 6 | $6,899 | 6.250% | — | 354 | −$213 | |
| 7 | $6,927 | 6.250% | — | 98 | −$185 | |
| 8 | $7,074 | 6.125% | — | 498 | −$38 | |
| 9 | $7,143 | 6.250% | — | 158 | +$31 | |
| 10 | $7,162 | 6.125% | — | 101 | +$50 | |
| 11 | $7,403 | 6.250% | — | 165 | +$291 | |
| 12 | $7,511 | 6.188% | — | 410 | +$399 | |
| 13 | $7,615 | 6.500% | — | 224 | +$503 | |
| 14 | $7,749 | 6.375% | — | 278 | +$637 | |
| 15 | $7,804 | 6.125% | — | 176 | +$692 | |
| 16 | $7,919 | 6.375% | — | 148 | +$807 | |
| 17 | $8,255 | 6.125% | — | 123 | +$1,143 | |
| 18 | $8,346 | 6.250% | — | 276 | +$1,234 | |
| 19 | $9,042 | 6.125% | — | 103 | +$1,930 | |
| 20 | $9,151 | 6.250% | — | 955 | +$2,039 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2024. Sorted by median total loan costs.
Found your lender? Make sure their quote is fair.
HMDA data shows industry-wide medians. Your actual quote may differ. Upload your Closing Disclosure or Loan Estimate to see exactly where your fees stand — and get a ready-to-send negotiation email.
Data source: HMDA Modified Loan Application Register 2024, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.