Citibank, National Association mortgage approval rate & lending review
Citibank, National Association decided 47,993 mortgage applications and funded 39,673 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Citibank, National Association reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Citibank, National Association at a glance
Approval is 2.3 points above the 82.5% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 92% | 28,106 / 30,624 | 98% | $895K | 27,471 |
| Home improvement loans | 43% | 2,098 / 4,892 | 94% | $155K | 1,978 |
| Cash-out refinance | 65% | 1,753 / 2,699 | 97% | $305K | 1,701 |
| Refinance | 92% | 4,686 / 5,100 | 98% | $1.19M | 4,607 |
| Investment property purchase | 91% | 3,500 / 3,864 | 97% | $755K | 3,394 |
| Investment cash-out refinance | 68% | 176 / 258 | 98% | $805K | 173 |
| Investment refinance | 82% | 285 / 347 | 95% | $1.08M | 270 |
| Investment home improvement | 43% | 90 / 209 | 88% | $345K | 79 |
Citibank, National Association lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| California | 88% | $1.19M | 16,492 | 14,280 |
| New York | 83% | $785K | 12,168 | 9,764 |
| Illinois | 83% | $385K | 3,680 | 2,973 |
| New Jersey | 87% | $905K | 2,459 | 2,088 |
| Florida | 71% | $715K | 2,349 | 1,605 |
| Texas | 82% | $995K | 1,727 | 1,377 |
| Maryland | 83% | $805K | 1,020 | 823 |
| Virginia | 91% | $1.05M | 853 | 759 |
| Washington | 92% | $1.14M | 826 | 751 |
| District of Columbia | 91% | $845K | 815 | 731 |
| Massachusetts | 91% | $1.26M | 661 | 587 |
| Connecticut | 80% | $1.18M | 589 | 459 |
| Pennsylvania | 83% | $765K | 553 | 445 |
| Georgia | 84% | $1M | 425 | 348 |
| North Carolina | 90% | $925K | 420 | 363 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Citibank, National Association lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Los Angeles County, CA | Mortgage lenders | 95% | 3,271 | 3,006 |
| New York County, NY | Mortgage lenders | 94% | 2,083 | 1,895 |
| Cook County, IL | Mortgage lenders | 89% | 1,879 | 1,627 |
| Kings County, NY | Mortgage lenders | 93% | 1,719 | 1,561 |
| Santa Clara County, CA | Mortgage lenders | 96% | 1,534 | 1,455 |
| Alameda County, CA | Mortgage lenders | 96% | 1,179 | 1,125 |
| Santa Clara County, CA | Refinance | 95% | 1,151 | 1,082 |
| Queens County, NY | Mortgage lenders | 88% | 1,212 | 1,032 |
| Westchester County, NY | Mortgage lenders | 94% | 1,086 | 998 |
| Orange County, CA | Mortgage lenders | 95% | 965 | 900 |
| Nassau County, NY | Mortgage lenders | 92% | 988 | 873 |
| Los Angeles County, CA | Refinance | 90% | 684 | 607 |
The county markets where Citibank, National Association made the most loans. Each link opens that market with every lender ranked.
Questions about Citibank, National Association
What is Citibank, National Association's mortgage approval rate?
Citibank, National Association approved 84.8% of the 47,993 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 2.3 points above the 82.5% national rate for the same mix of loan types.
How often do borrowers take the loan Citibank, National Association offers?
Borrowers accepted 97% of the loans Citibank, National Association approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Citibank, National Association make?
The typical home purchase mortgage loan Citibank, National Association made was $895K; across all loan types its typical loan ran from $155K to $1.19M. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Citibank, National Association lend?
Citibank, National Association decided applications in 49 of the states Fat Boy Data covers, most of them in California, New York and Illinois.
Can I apply to Citibank, National Association directly?
Yes. Citibank, National Association is a bank or credit union with 665 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Citibank, National Association's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Citibank, National Association treats applications, then get a rate quote from the lender.