Citizens Bank, National Association closing costs and rates (2024)
In 2024, Citizens Bank, National Association originated 6,643 purchase mortgages at a median interest rate of 6.38% and median total closing costs of $7,039. That ranks #66 nationally by origination volume. For total closing costs among lenders with 500+ originations, Citizens Bank, National Association ranks #368. That is $298 above the national median of $6,741. Citizens Bank, National Association is most active in New York with 1,884 originations there.
Purchase Originations
6,643
Ranked #66 nationally
Median Total Costs
$7,039
+4.4% vs national ($6,741)
Median Rate
6.375%
−3.7% vs national (6.620%)
Median Origination
$1,493
Median Lender Credits
$560
Cost Rank (500+ vol.)
#368
among lenders with 500+ originations
Breakdown by loan type
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 6,110 | 6.375% | $6,877 | $1,470 |
| fha | 389 | 6.375% | $9,714 | $1,830 |
| va | 143 | 6.000% | $6,360 | $800 |
Active states
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| New York | 1,884 | 6.375% | $9,887 | #11 |
| Pennsylvania | 904 | 6.500% | $6,113 | #23 |
| New Jersey | 651 | 6.375% | $7,368 | #26 |
| Ohio | 536 | 6.375% | $4,982 | #42 |
| Massachusetts | 506 | 6.375% | $7,995 | #20 |
| Florida | 343 | 6.375% | $8,014 | #119 |
| Michigan | 252 | 6.375% | $4,017 | #66 |
| Virginia | 213 | 6.375% | $7,443 | #81 |
| Connecticut | 159 | 6.500% | $6,915 | #35 |
| Tennessee | 147 | 6.625% | $7,176 | #95 |
| Rhode Island | 126 | 6.375% | $5,902 | #18 |
| Maryland | 108 | 6.500% | $7,819 | #96 |
| New Hampshire | 94 | 6.500% | $4,957 | #24 |
| Texas | 80 | 6.562% | $5,856 | #298 |
| California | 78 | 6.000% | $10,870 | #224 |
| Illinois | 67 | 6.500% | $6,379 | #170 |
| Georgia | 55 | 6.625% | $6,886 | #193 |
| District of Columbia | 46 | 6.500% | $10,973 | — |
| North Carolina | 39 | 6.250% | $5,729 | — |
| Wisconsin | 39 | 6.625% | $2,417 | — |
| Delaware | 32 | 6.375% | $6,279 | — |
| Nebraska | 30 | 6.750% | $2,970 | — |
| South Carolina | 27 | 6.500% | $5,042 | — |
| Alabama | 19 | 6.750% | $4,570 | — |
| South Dakota | 19 | 6.375% | $5,668 | — |
| Maine | 17 | 6.750% | $5,521 | — |
| Iowa | 16 | 6.188% | $7,841 | — |
| Minnesota | 16 | 6.375% | $6,968 | — |
| Missouri | 16 | 6.688% | $3,370 | — |
| Kentucky | 15 | 6.500% | $3,951 | — |
| Mississippi | 13 | 6.625% | $4,431 | — |
| Indiana | 12 | 6.750% | $3,786 | — |
| Vermont | 12 | 6.625% | $5,352 | — |
| Colorado | 10 | 6.250% | $3,506 | — |
| Arizona | 9 | 6.500% | $5,755 | — |
| Arkansas | 7 | 6.625% | $4,209 | — |
| Oregon | 7 | 6.000% | $9,996 | — |
| Louisiana | 5 | 6.375% | $5,689 | — |
| Nevada | 5 | 6.250% | $8,472 | — |
| Oklahoma | 5 | 6.125% | $4,061 | — |
| West Virginia | 5 | 7.000% | $5,877 | — |
| Utah | 4 | 5.750% | $3,929 | — |
| Idaho | 3 | 5.875% | $11,432 | — |
| Kansas | 3 | 6.990% | $4,426 | — |
| New Mexico | 3 | 6.750% | $4,788 | — |
| Washington | 3 | 6.500% | $6,464 | — |
| Montana | 2 | 6.188% | $8,932 | — |
| Alaska | 1 | 3.250% | $323 | — |
Top counties by origination volume
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,067 | 6.375% | — | 63 | −$2,972 | |
| 2 | $4,222 | 6.375% | — | 103 | −$2,817 | |
| 3 | $5,022 | 6.312% | — | 206 | −$2,017 | |
| 4 | $5,665 | 6.500% | — | 66 | −$1,374 | |
| 5 | $5,679 | 6.625% | — | 266 | −$1,360 | |
| 6 | $6,195 | 6.500% | — | 63 | −$844 | |
| 7 | $6,347 | 6.250% | — | 130 | −$692 | |
| 8 | $6,471 | 6.500% | — | 63 | −$568 | |
| 9 | $6,483 | 6.250% | — | 312 | −$556 | |
| 10 | $7,615 | 6.375% | — | 98 | +$576 | |
| 11 | $7,681 | 6.500% | — | 85 | +$642 | |
| 12 | $7,750 | 6.500% | — | 242 | +$711 | |
| 13 | $7,925 | 6.500% | — | 67 | +$886 | |
| 14 | $8,825 | 6.250% | — | 69 | +$1,786 | |
| 15 | $8,944 | 6.375% | — | 130 | +$1,905 | |
| 16 | $9,802 | 6.250% | — | 70 | +$2,763 | |
| 17 | $10,424 | 6.375% | — | 248 | +$3,385 | |
| 18 | $11,860 | 6.312% | — | 188 | +$4,821 | |
| 19 | $12,656 | 6.375% | — | 254 | +$5,617 | |
| 20 | $13,562 | 6.125% | — | 357 | +$6,523 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2024. Sorted by median total loan costs.
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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.