Grade B · 0% of disclosures flagged for junk fees
Bank · Rhode Island · NMLS #433960
Avg Closing Costs
$6,816
median across reports
vs. National Average
101%
above national avg
Avg Origination Charge
$3,596
Section A lender fee
Reports with Junk Fees
0%
of submitted reports
| Fee Category | This Lender (avg) | National Avg | Verdict |
|---|---|---|---|
| discount_points | $4,430 | $2,242 | 🔺 High |
| Origination Fee | $3,596 | $1,584 | 🔺 High |
| Title Insurance | $3,227 | $3,111 | 🟡 Average |
| lender_credits | $1,727 | $428 | 🔺 High |
| Underwriting Fee | $1,551 | $1,473 | 🟡 Average |
| Appraisal | $1,157 | $1,081 | 🟡 Average |
| Settlement/Closing Fee | $1,044 | $986 | 🟡 Average |
| Processing Fee | $817 | $790 | 🟡 Average |
| Title Search | $416 | $392 | 🟡 Average |
| Recording Fee | $358 | $344 | 🟡 Average |
| Rate Lock Fee | $317 | $376 | 🟢 Below Avg |
| Document Preparation | $152 | $147 | 🟡 Average |
| Tax Service Fee | $131 | $128 | 🟡 Average |
| Wire Transfer Fee | $72 | $69 | 🟡 Average |
| Credit Report | $72 | $69 | 🟡 Average |
| Courier/Delivery | $63 | $58 | 🟡 Average |
| Flood Certification | $25 | $23 | 🟡 Average |
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Based on 10,493 homebuyer-submitted Closing Disclosures, Citizens Bank, N.A.'s median total closing costs are $6,816. This is about 101% above the $3,383 national peer median for comparable lenders. Actual costs vary by loan type, loan amount, property state, and individual borrower profile. This data is informational only and not financial advice.
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How to Read Your Closing Disclosure
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Average Closing Costs by State
Benchmark your costs against the state average.
Closing Costs in Rhode Island
State-specific benchmarks for Rhode Island.
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Aggregates from Citizens Bank, National Association's 2025 HMDA filings — actual closed-loan figures reported to federal regulators, compared against the national median across all lenders.
Purchase Originations
6,530
Ranked #72 nationally
Median Total Costs
$7,495
+12.2% vs national ($6,680)
Median Rate
6.250%
−3.7% vs national (6.490%)
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 | — |
| This lender | New York median | National median | |
|---|---|---|---|
| Total Closing Costs | $10,632 | $6,400 | $6,680 |
| Interest Rate | 6.125% | 6.500% | 6.490% |
| Originations in state | 2,160 | — | — |
Based on 2025 HMDA data. State and national medians cover all reporting lenders.
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%) |