Lender profile · HMDA 2023–2025
Citizens Bank, National Association mortgage approval rates & lending data
Citizens Bank, National Association decided 201,564 mortgage applications and funded 132,735 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval 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 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.