# Citibank, National Association

> **Canonical URL:** https://saferate.com/lenders/citibank-national-association


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Citibank, National Association is a bank, headquartered in Sioux Falls, SD, serving borrowers nationwide, with 10,757 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 13% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 42% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** E57ODZWZ7FF32TWEFA76
- **Headquarters:** Sioux Falls, SD
- **Geographic Reach:** National
- **States Served:** 50
- **State List:** AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY
- **Markets (MSAs):** 50
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 92.1%
- **Brokered/Wholesale:** 7.9%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 87/100
- Rating: ●●●●● (5/5)

### Pull Through: Sound ☺️
- Score: 58/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** -0.252%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $-568
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 10,757
- **Dollar Volume:** $10.4 billion
- **Applications Received:** 17,616
- **Market Share:** 30.00%

## Typical Borrower Profile

- **Average Loan Amount:** $964,420
- **Average Borrower Income:** $488,569
- **Average Property Value:** $1,352,198

## Safe Rate Awards 🏆

- 💎 **Jumbo Diamond Champion** (84%)
- ⭐ **Conventional Gold Superstar** (78%)
- ⭐ **Purchase Gold Superstar** (78%)
- ⭐ **Refinance Gold Superstar** (78%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 83/100 | 6,457 | -0.177% | $-268 | Exceptional 🤩 |
| FHA | 54/100 | 33 | +0.309% | $-50 | Sound ☺️ |
| Jumbo | 98/100 | 4,258 | -0.389% | $-1,114 | Exceptional 🤩 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 5,652 loans, Score: 83/100 (Exceptional)
- Refinance: 805 loans, Score: 78/100 (Strong)

**FHA:**
- Purchase: 24 loans, Score: 38/100 (Acceptable)

**Jumbo:**
- Purchase: 3,774 loans, Score: 98/100 (Exceptional)
- Refinance: 484 loans, Score: 94/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 85/100 | 9,455 | $9.2B | -0.257% | Exceptional 🤩 |
| Refinance | 81/100 | 1,302 | $1.2B | -0.213% | Exceptional 🤩 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CA | 3,776 | 1.32% | 87/100 |
| NY | 2,587 | 2.28% | 92/100 |
| IL | 811 | 0.65% | 80/100 |
| NJ | 534 | 0.62% | 78/100 |
| FL | 400 | 0.14% | 64/100 |
| TX | 348 | 0.10% | 64/100 |
| WA | 236 | 0.28% | 69/100 |
| MD | 224 | 0.32% | 67/100 |
| VA | 219 | 0.20% | 67/100 |
| MA | 182 | 0.30% | 65/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| New York | NY-NJ | 2,140 | 96/100 |
| Los Angeles | CA | 1,113 | 89/100 |
| Chicago | IL | 702 | 80/100 |
| Oakland | CA | 696 | 91/100 |
| San Jose | CA | 694 | 92/100 |
| Nassau County | NY | 555 | 84/100 |
| San Francisco | CA | 383 | 92/100 |
| Anaheim | CA | 330 | 80/100 |
| Non |  | 252 | 55/100 |
| Washington, DC | DC-MD | 240 | 80/100 |
| Arlington | VA-WV | 183 | 69/100 |
| Seattle | WA | 169 | 71/100 |
| Newark, NJ | NJ | 165 | 74/100 |
| San Diego | CA | 146 | 66/100 |
| Dallas | TX | 139 | 63/100 |

## Where This Lender Ranks

Citibank, National Association appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in New York for Jumbo Loans
  - [View Full Rankings](https://saferate.com/new-york-state/best-mortgage-lenders/jumbo-loans)
- 🥇 **#1** in New York for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/new-york-state/best-mortgage-lenders/banks/jumbo-loans)
- 🥇 **#1** in New York for Jumbo Loans
  - [View Full Rankings](https://saferate.com/new-york/best-mortgage-lenders/jumbo-loans)
- 🥇 **#1** in New York for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/new-york/best-mortgage-lenders/banks/jumbo-loans)
- 🥇 **#1** in Nassau County for Conventional Loans
  - [View Full Rankings](https://saferate.com/nassau-county/best-mortgage-lenders/conventional-loans)
- 🥇 **#1** in Nassau County for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/nassau-county/best-mortgage-lenders/banks/conventional-loans)
- 🥇 **#1** in Nassau County for Jumbo Loans
  - [View Full Rankings](https://saferate.com/nassau-county/best-mortgage-lenders/jumbo-loans)
- 🥇 **#1** in Nassau County for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/nassau-county/best-mortgage-lenders/banks/jumbo-loans)
- 🥇 **#1** in Washington DC for Jumbo Loans
  - [View Full Rankings](https://saferate.com/washington-dc/best-mortgage-lenders/jumbo-loans)
- 🥇 **#1** in Washington DC for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/washington-dc/best-mortgage-lenders/banks/jumbo-loans)
- 🥈 **#2** in Los Angeles for Jumbo Loans
  - [View Full Rankings](https://saferate.com/los-angeles/best-mortgage-lenders/jumbo-loans)
- 🥈 **#2** in Los Angeles for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/los-angeles/best-mortgage-lenders/banks/jumbo-loans)
- 🥈 **#2** in Chicago for Jumbo Loans
  - [View Full Rankings](https://saferate.com/chicago/best-mortgage-lenders/jumbo-loans)
- 🥈 **#2** in Chicago for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/chicago/best-mortgage-lenders/banks/jumbo-loans)
- 🥈 **#2** in Anaheim for Conventional Loans
  - [View Full Rankings](https://saferate.com/anaheim/best-mortgage-lenders/conventional-loans)
- 🥈 **#2** in Anaheim for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/anaheim/best-mortgage-lenders/banks/conventional-loans)
- 🥈 **#2** in Anaheim for Jumbo Loans
  - [View Full Rankings](https://saferate.com/anaheim/best-mortgage-lenders/jumbo-loans)
- 🥈 **#2** in Anaheim for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/anaheim/best-mortgage-lenders/banks/jumbo-loans)
- 🥈 **#2** in Oxnard for Jumbo Loans
  - [View Full Rankings](https://saferate.com/oxnard/best-mortgage-lenders/jumbo-loans)
- 🥈 **#2** in Oxnard for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/oxnard/best-mortgage-lenders/banks/jumbo-loans)

## Frequently Asked Questions

### What loan types does Citibank, National Association offer?

Citibank, National Association offers the following mortgage loan types: FHA, Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Citibank, National Association offer mortgages?

Citibank, National Association is a national lender offering mortgages in all 50 states plus Washington D.C.

### How competitive are Citibank, National Association's mortgage rates?

Citibank, National Association has a pricing score of 87/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.252% below market average.

### What type of lender is Citibank, National Association?

Citibank, National Association is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Sioux Falls, SD.

### What is Citibank, National Association's loan approval success rate?

Citibank, National Association has a pull-through score of 58/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/citibank-national-association

### How to Cite

> "Citibank, National Association Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/citibank-national-association

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