Question 1

What are Citizens Bank, N.A.'s average closing costs?

Accepted Answer

Based on 10,493 homebuyer-submitted Closing Disclosures, Citizens Bank, N.A.'s median total closing costs are $6,816. This is about 109% above the $3,254 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.

Question 2

Does Citizens Bank, N.A. charge junk fees?

Accepted Answer

None of the 10,493 Closing Disclosures we've analyzed for Citizens Bank, N.A. included fees flagged as potentially excessive — a strong sign. That said, every loan is different. Fair Closing Check can review your specific disclosure to confirm there are no hidden charges on your loan.

Question 3

How do Citizens Bank, N.A.'s fees compare to other lenders?

Accepted Answer

Citizens Bank, N.A. currently holds a grade of B on Fair Closing Check, placing them below the national average, which is a good sign for borrowers. Their median closing costs of $6,816 are about 109% above the $3,254 national peer median. Grades are based on real homebuyer-submitted Closing Disclosures and scale from A (well below average) to F (significantly above average). This is informational only; individual loans vary by state, loan type, and borrower circumstances.

Question 4

Can I negotiate closing costs with Citizens Bank, N.A.?

Accepted Answer

Yes — closing costs are almost always negotiable to some degree. Based on our data, Citizens Bank, N.A.'s origination fee (avg $3,596 vs $1,587 peer avg) and underwriting fee (avg $1,551 vs $1,512 peer avg) have both run above comparable lenders — making them the most important fees to challenge. Lender-controlled fees like origination, processing, and underwriting charges can often be reduced or waived, especially if you have a strong credit profile or are comparing offers from multiple lenders. Third-party fees such as title insurance and settlement services can sometimes be shopped around for better rates — you are generally entitled to choose your own providers. Fair Closing Check analyzes your specific Closing Disclosure and identifies which fees to challenge and how much room there is to negotiate. This is informational only and not legal or financial advice.

Question 5

What fees on Citizens Bank, N.A.'s Closing Disclosures run above peer averages?

Accepted Answer

Across homebuyer-submitted Closing Disclosures for Citizens Bank, N.A., three fee categories tend to run above comparable lenders: discount points (avg $4,430 vs $2,207 peer avg, +$2,223), origination fee (avg $3,596 vs $1,587 peer avg, +$2,009), and lender credits (avg $1,727 vs $393 peer avg, +$1,334). These are the line items most worth scrutinizing or challenging on your own disclosure. "Junk fees" is industry shorthand for charges that are inflated beyond the peer norm or provide little discernible value — the CFPB recommends shopping title, settlement, and pest-inspection services independently when possible. This data is informational only and not financial advice.

Question 6

How much do Citizens Bank, N.A.'s closing costs vary by state?

Accepted Answer

Citizens Bank, N.A.'s closing costs vary significantly by state. Based on the 47 states in our database with at least 3 reports, median total closing costs range from $2,449 in Wisconsin to $11,357 in Washington DC — a $8,907 spread. Variation reflects state-specific transfer taxes, title insurance regulation, attorney requirements, and recording-fee schedules rather than lender policy. See state-level data on this page to compare your own state. This is informational only and not financial advice.

Fee Category	This Lender (avg)	National Avg	Verdict
discount_points	$4,430	$2,207	🔺 High
Origination Fee	$3,596	$1,587	🔺 High
Title Insurance	$3,227	$3,301	🟡 Average
lender_credits	$1,727	$393	🔺 High
Underwriting Fee	$1,551	$1,512	🟡 Average
Appraisal	$1,157	$1,096	🟡 Average
Settlement/Closing Fee	$1,044	$1,008	🟡 Average
Processing Fee	$817	$822	🟡 Average
Title Search	$416	$400	🟡 Average
Recording Fee	$358	$353	🟡 Average
Rate Lock Fee	$317	$370	🟢 Below Avg
Document Preparation	$152	$154	🟡 Average
Tax Service Fee	$131	$133	🟡 Average
Wire Transfer Fee	$72	$70	🟡 Average
Credit Report	$72	$70	🟡 Average
Courier/Delivery	$63	$60	🟡 Average
Flood Certification	$25	$24	🟡 Average

Citizens Bank, N.A.

Citizens Bank, N.A. Closing Cost Breakdown

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