# Citizens Bank, National Association

> **Canonical URL:** https://saferate.com/lenders/citizens-bank-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


Citizens Bank, National Association is a bank, headquartered in Providence, RI, serving borrowers nationwide, with 9,612 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 31% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 38% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** DRMSV1Q0EKMEXLAU1P80
- **Headquarters:** Providence, RI
- **Geographic Reach:** National
- **States Served:** 50
- **State List:** AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, 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:** 93.3%
- **Brokered/Wholesale:** 6.7%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 69/100
- Rating: ●●●●○ (4/5)

### Pull Through: Strong 😀
- Score: 62/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.029%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,074
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 9,612
- **Dollar Volume:** $5.0 billion
- **Applications Received:** 15,455
- **Market Share:** 27.00%

## Typical Borrower Profile

- **Average Loan Amount:** $515,509
- **Average Borrower Income:** $231,043
- **Average Property Value:** $762,093

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (70%)
- ⭐ **FHA Gold Superstar** (64%)
- ⭐ **VA Gold Superstar** (64%)
- ⭐ **Jumbo Gold Superstar** (77%)
- ⭐ **Purchase Gold Superstar** (70%)
- ⭐ **Refinance Gold Superstar** (63%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 84/100 | 7,543 | +0.029% | $1,041 | Exceptional 🤩 |
| FHA | 78/100 | 614 | +0.425% | $1,453 | Strong 😀 |
| VA | 74/100 | 177 | -0.399% | $1,278 | Strong 😀 |
| Jumbo | 93/100 | 1,277 | -0.224% | $1,048 | Exceptional 🤩 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 5,456 loans, Score: 83/100 (Exceptional)
- Refinance: 2,087 loans, Score: 85/100 (Exceptional)

**FHA:**
- Purchase: 377 loans, Score: 75/100 (Strong)
- Refinance: 237 loans, Score: 82/100 (Exceptional)

**VA:**
- Purchase: 144 loans, Score: 72/100 (Strong)
- Refinance: 33 loans, Score: 51/100 (Sound)

**Jumbo:**
- Purchase: 1,154 loans, Score: 94/100 (Exceptional)
- Refinance: 123 loans, Score: 88/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 84/100 | 7,132 | $4.2B | -0.029% | Exceptional 🤩 |
| Refinance | 85/100 | 2,480 | $739M | +0.184% | Exceptional 🤩 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| NY | 2,366 | 2.09% | 91/100 |
| PA | 1,338 | 1.11% | 86/100 |
| NJ | 862 | 1.01% | 85/100 |
| MA | 783 | 1.30% | 81/100 |
| OH | 766 | 0.57% | 77/100 |
| FL | 494 | 0.17% | 67/100 |
| MI | 427 | 0.38% | 71/100 |
| CT | 365 | 1.06% | 76/100 |
| VA | 248 | 0.23% | 68/100 |
| RI | 233 | 2.17% | 80/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| New York | NY-NJ | 1,365 | 91/100 |
| Nassau County | NY | 593 | 85/100 |
| Non |  | 539 | 67/100 |
| Pittsburgh, PA | PA | 531 | 88/100 |
| Cleveland, OH | OH | 382 | 80/100 |
| Providence | RI-MA | 279 | 82/100 |
| Cambridge | MA | 264 | 75/100 |
| Philadelphia, PA | PA | 263 | 80/100 |
| Boston, MA | MA | 244 | 77/100 |
| Montgomery County | PA | 232 | 79/100 |
| Lakewood | NJ | 214 | 75/100 |
| Buffalo | NY | 209 | 74/100 |
| Arlington | VA-WV | 205 | 71/100 |
| Atlantic City | NJ | 203 | 85/100 |
| Warren | MI | 188 | 68/100 |

## Where This Lender Ranks

Citizens Bank, National Association appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in New York
  - [View Full Rankings](https://saferate.com/new-york/best-mortgage-lenders)
- 🥇 **#1** in New York Banks
  - [View Full Rankings](https://saferate.com/new-york/best-mortgage-lenders/banks)
- 🥇 **#1** in Nassau County
  - [View Full Rankings](https://saferate.com/nassau-county/best-mortgage-lenders)
- 🥇 **#1** in Nassau County Banks
  - [View Full Rankings](https://saferate.com/nassau-county/best-mortgage-lenders/banks)
- 🥇 **#1** in Pittsburgh, PA for Jumbo Loans
  - [View Full Rankings](https://saferate.com/pittsburgh-pa/best-mortgage-lenders/jumbo-loans)
- 🥇 **#1** in Pittsburgh, PA for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/pittsburgh-pa/best-mortgage-lenders/banks/jumbo-loans)
- 🥇 **#1** in Providence for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/providence/best-mortgage-lenders/banks/jumbo-loans)
- 🥇 **#1** in Philadelphia, PA for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/philadelphia-pa/best-mortgage-lenders/banks/jumbo-loans)
- 🥇 **#1** in Rhode Island for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/rhode-island/best-mortgage-lenders/banks/jumbo-loans)
- 🥇 **#1** in Atlantic City for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/atlantic-city/best-mortgage-lenders/banks/fha-loans)
- 🥇 **#1** in Atlantic City for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/atlantic-city/best-mortgage-lenders/banks/va-loans)
- 🥇 **#1** in Atlantic City for Jumbo Loans
  - [View Full Rankings](https://saferate.com/atlantic-city/best-mortgage-lenders/jumbo-loans)
- 🥇 **#1** in Atlantic City for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/atlantic-city/best-mortgage-lenders/banks/jumbo-loans)
- 🥇 **#1** in State College, PA Banks
  - [View Full Rankings](https://saferate.com/state-college-pa/best-mortgage-lenders/banks)
- 🥇 **#1** in Sioux City, IA for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/sioux-city-ia/best-mortgage-lenders/banks/va-loans)
- 🥈 **#2** in Pennsylvania for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/pennsylvania/best-mortgage-lenders/banks/jumbo-loans)
- 🥈 **#2** in Nassau County for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/nassau-county/best-mortgage-lenders/banks/fha-loans)
- 🥈 **#2** in Pittsburgh, PA
  - [View Full Rankings](https://saferate.com/pittsburgh-pa/best-mortgage-lenders)
- 🥈 **#2** in Pittsburgh, PA Banks
  - [View Full Rankings](https://saferate.com/pittsburgh-pa/best-mortgage-lenders/banks)
- 🥈 **#2** in Providence for Jumbo Loans
  - [View Full Rankings](https://saferate.com/providence/best-mortgage-lenders/jumbo-loans)

## Frequently Asked Questions

### What loan types does Citizens Bank, National Association offer?

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

### Where does Citizens Bank, National Association offer mortgages?

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

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

Citizens Bank, National Association has a pricing score of 69/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.029% above market average.

### What type of lender is Citizens Bank, National Association?

Citizens Bank, National Association is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Providence, RI.

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

Citizens Bank, National Association has a pull-through score of 62/100 (Strong). 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/citizens-bank-national-association

### How to Cite

> "Citizens Bank, National Association Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/citizens-bank-national-association

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