Purchase Originations
6,530
Ranked #72 nationally
Median Total Costs
$7,495
+12.2% vs national ($6,680)
↑ $456 vs prior year
Median Rate
6.250%
−3.7% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$1,495
Median Lender Credits
$597
Cost Rank (500+ vol.)
#403
among lenders with 500+ originations
Denial Rate
5.4%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 6,155 | 6.250% | $7,414 | $1,498 |
| fha | 291 | 6.000% | $9,112 | $1,375 |
| va | 84 | 6.000% | $5,770 | $479 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| New York | 2,160 | 6.125% | $10,632 | #8 |
| Pennsylvania | 675 | 6.375% | $6,751 | #30 |
| New Jersey | 600 | 6.125% | $8,175 | #28 |
| Massachusetts | 527 | 6.375% | $7,910 | #24 |
| Ohio | 491 | 6.375% | $5,042 | #51 |
| Florida | 315 | 6.375% | $8,039 | #122 |
| Michigan | 216 | 6.375% | $4,292 | #73 |
| Virginia | 212 | 6.375% | $7,797 | #78 |
| Connecticut | 153 | 6.375% | $7,008 | #38 |
| California | 112 | 5.500% | $13,397 | #188 |
| Rhode Island | 109 | 6.375% | $6,099 | #24 |
| New Hampshire | 96 | 6.625% | $5,049 | #28 |
| Texas | 88 | 6.375% | $7,494 | #291 |
| Maryland | 84 | 6.375% | $8,383 | #105 |
| Nebraska | 57 | 6.375% | $2,639 | #54 |
| Tennessee | 54 | 6.500% | $5,635 | #178 |
| Georgia | 49 | 6.375% | $6,566 | — |
| Illinois | 42 | 6.500% | $6,524 | — |
| District of Columbia | 40 | 6.250% | $11,357 | — |
| Kentucky | 33 | 6.490% | $3,112 | — |
| Minnesota | 32 | 6.375% | $6,013 | — |
| South Dakota | 32 | 6.125% | $5,735 | — |
| Delaware | 31 | 6.500% | $6,282 | — |
| North Carolina | 30 | 6.312% | $5,616 | — |
| South Carolina | 30 | 6.688% | $4,832 | — |
| Colorado | 28 | 6.500% | $3,994 | — |
| Maine | 26 | 6.500% | $5,176 | — |
| Iowa | 25 | 6.125% | $4,602 | — |
| Wisconsin | 24 | 6.375% | $2,348 | — |
| Missouri | 21 | 6.750% | $3,983 | — |
| Mississippi | 20 | 6.433% | $4,039 | — |
| Vermont | 19 | 6.625% | $7,730 | — |
| Washington | 13 | 6.000% | $5,531 | — |
| West Virginia | 12 | 6.375% | $7,935 | — |
| Indiana | 11 | 6.500% | $3,949 | — |
| Alabama | 9 | 6.250% | $4,096 | — |
| Arizona | 9 | 6.750% | $5,464 | — |
| Oklahoma | 9 | 6.375% | $5,819 | — |
| Oregon | 8 | 6.625% | $5,817 | — |
| Idaho | 6 | 5.438% | $4,986 | — |
| Arkansas | 5 | 6.625% | $5,829 | — |
| Kansas | 4 | 6.750% | $3,054 | — |
| Nevada | 4 | 6.125% | $5,370 | — |
| Louisiana | 3 | 5.875% | $10,595 | — |
| New Mexico | 2 | 5.500% | $11,404 | — |
| Utah | 2 | 5.125% | $8,962 | — |
| Montana | 1 | 6.375% | $5,996 | — |
| North Dakota | 1 | 3.250% | $759 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,161 | 6.375% | — | 92 | −$3,334 | |
| 2 | $5,115 | 6.375% | — | 57 | −$2,380 | |
| 3 | $5,296 | 6.375% | — | 157 | −$2,199 | |
| 4 | $5,805 | 6.500% | — | 149 | −$1,690 | |
| 5 | $5,867 | 6.500% | — | 67 | −$1,628 | |
| 6 | $6,723 | 6.125% | — | 83 | −$772 | |
| 7 | $7,219 | 6.250% | — | 247 | −$276 | |
| 8 | $7,925 | 6.375% | — | 69 | +$430 | |
| 9 | $8,180 | 6.375% | — | 86 | +$685 | |
| 10 | $8,226 | 6.000% | — | 428 | +$731 | |
| 11 | $8,620 | 5.938% | — | 92 | +$1,125 | |
| 12 | $9,020 | 6.000% | — | 82 | +$1,525 | |
| 13 | $9,136 | 6.312% | — | 58 | +$1,641 | |
| 14 | $9,152 | 6.250% | — | 141 | +$1,657 | |
| 15 | $9,223 | 6.188% | — | 56 | +$1,728 | |
| 16 | $10,445 | 6.125% | — | 63 | +$2,950 | |
| 17 | $10,610 | 6.250% | — | 234 | +$3,115 | |
| 18 | $12,863 | 6.000% | — | 290 | +$5,368 | |
| 19 | $13,319 | 5.875% | — | 190 | +$5,824 | |
| 20 | $13,986 | 6.000% | — | 477 | +$6,491 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Citizens Bank, National Association | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $455,000 | $335,000 | +$120,000 (+35.8%) |
| Median total closing costs | $7,495 | $7,127 | +$368 (+5.2%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, 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.