Citizens Bank, National Association mortgage approval rate & lending review
Citizens Bank, National Association decided 201,564 mortgage applications and funded 132,735 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Citizens Bank, National Association reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Citizens Bank, National Association at a glance
Approval is 5.0 points below the 72.9% 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 | 79% | 31,666 / 40,296 | 98% | $345K | 31,085 |
| Home improvement loans | 61% | 47,813 / 78,757 | 96% | $125K | 46,037 |
| Cash-out refinance | 70% | 3,751 / 5,396 | 98% | $185K | 3,688 |
| Refinance | 72% | 49,157 / 68,148 | 96% | $205K | 47,430 |
| Investment property purchase | 70% | 2,753 / 3,934 | 99% | $345K | 2,722 |
| Investment cash-out refinance | 58% | 286 / 493 | 99% | $205K | 282 |
| Investment refinance | 47% | 625 / 1,338 | 98% | $355K | 610 |
| Investment home improvement | 28% | 899 / 3,202 | 98% | $205K | 881 |
Citizens Bank, National Association lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Pennsylvania | 69% | $175K | 35,664 | 23,859 |
| New York | 63% | $205K | 34,889 | 21,478 |
| Massachusetts | 68% | $225K | 31,608 | 20,642 |
| New Jersey | 68% | $235K | 20,010 | 13,253 |
| Ohio | 73% | $125K | 12,656 | 8,908 |
| Michigan | 66% | $125K | 10,376 | 6,590 |
| Rhode Island | 67% | $175K | 9,674 | 6,252 |
| Florida | 61% | $205K | 9,512 | 5,658 |
| New Hampshire | 74% | $205K | 6,810 | 4,935 |
| Connecticut | 73% | $205K | 5,783 | 4,120 |
| Delaware | 68% | $185K | 2,996 | 1,974 |
| Maryland | 63% | $205K | 2,434 | 1,475 |
| Virginia | 73% | $255K | 2,432 | 1,728 |
| North Carolina | 75% | $155K | 2,089 | 1,512 |
| Georgia | 67% | $185K | 1,901 | 1,220 |
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 Citizens Bank, National Association lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Middlesex County, MA | Refinance | 73% | 3,807 | 2,669 |
| Allegheny County, PA | Refinance | 76% | 2,450 | 1,776 |
| Providence County, RI | Refinance | 71% | 2,514 | 1,730 |
| Norfolk County, MA | Refinance | 74% | 2,404 | 1,725 |
| Middlesex County, MA | Home improvement loans | 65% | 2,694 | 1,686 |
| Montgomery County, PA | Refinance | 74% | 2,193 | 1,555 |
| Providence County, RI | Home improvement loans | 55% | 2,706 | 1,448 |
| Allegheny County, PA | Home improvement loans | 64% | 2,213 | 1,333 |
| Kings County, NY | Mortgage lenders | 80% | 1,615 | 1,268 |
| Allegheny County, PA | Mortgage lenders | 86% | 1,420 | 1,199 |
| Erie County, NY | Refinance | 74% | 1,589 | 1,132 |
| Norfolk County, MA | Home improvement loans | 67% | 1,713 | 1,102 |
The county markets where Citizens Bank, National Association made the most loans. Each link opens that market with every lender ranked.
Questions about Citizens Bank, National Association
What is Citizens Bank, National Association's mortgage approval rate?
Citizens Bank, National Association approved 67.9% of the 201,564 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 5.0 points below the 72.9% national rate for the same mix of loan types.
How often do borrowers take the loan Citizens Bank, National Association offers?
Borrowers accepted 97% of the loans Citizens Bank, National Association approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Citizens Bank, National Association make?
The typical home improvement loan loan Citizens Bank, National Association made was $125K; across all loan types its typical loan ran from $125K to $355K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Citizens Bank, National Association lend?
Citizens Bank, National Association decided applications in 50 of the states Fat Boy Data covers, most of them in Pennsylvania, New York and Massachusetts.
Can I apply to Citizens Bank, National Association directly?
Yes. Citizens Bank, National Association is a bank or credit union with 1,139 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Citizens Bank, 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 Citizens Bank, National Association treats applications, then get a rate quote from the lender.