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Citibank National Association's 10.8k closed loans and 18k applications, benchmarked against peer lenders across the 4 Ps of Mortgage Shopping.
Pricing
Exceptional
vs. all lenders
Pull Through
Sound
closing strength
Products
Exceptional
FHA · Conventional · Jumbo
Place
Strong
National · 49 mkts
Safe Rate Awards💎Jumbo Champion⭐Conventional Superstar⭐Purchase Superstar⭐Refinance Superstar
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Safe Rate's Summary
What They Do Well
- Offers rates 25.20 basis points below market average
- Lower than average lender fees
- High volume lender with significant market experience
- Particularly strong in Conventional and Jumbo loans
- Nationwide availability with consistent service
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Report Card
Citibank, National Association performance at a glance
| Category | Score | vs. Peers |
|---|---|---|
Overall Performance· Pricing & closing strength | ||
Pricing Rate competitiveness | Market Leader Rates 25.2 bps below market avg | |
Pull Through Closing strength | Industry Standard Top 60% of lenders | |
By Loan Product· Specialization by type | ||
Conventional | Market Leader Top 20% of lenders | |
FHA | Industry Standard Top 60% of lenders | |
Jumbo | Market Leader Top 5% of lenders | |
By Loan Purpose· Transaction purpose mix | ||
Purchase | Market Leader Top 20% of lenders | |
Refinance | Market Leader Top 20% of lenders | |
By Location· Geographic coverage | ||
Geographic Reach Coverage footprint | Highly Competitive Top 40% of lenders National50 markets | |
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 6,457 | 60.0% | -0.177%Below | $268Credit | ||||
FHA Loans | 33 | 0.3% | +0.309%Above | $50Credit | ||||
Jumbo Loans | 4,258 | 39.6% | -0.389%Below | $1,114Credit |
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 9,455 | 87.9% | -0.257%Below | $448Credit | ||||
Refinance | 1,302 | 12.1% | -0.213%Below | $1,461Credit |
At a Glance
Lender Overview
Lending Activity
Loans Originated
10,757
Applications
17,616
Volume
$10 billion
Pricing & Closing
Avg Rate Spread
-0.252%
vs. market APOR
Avg Net Fees
$-568
Origination − Credits
Pullthrough Rate
61.1%
Applications → Closed
Typical Borrower
Avg Loan Amount
$964,420
Avg Borrower Income
$488,569
Avg Property Value
$1,352,198
Geographic Coverage
Geographic Performance
Metro Areas
49
States Served
50
We count Washington DC as a state
Avg Place Specialization
States with Loan Originations
AKALARAZCACOCTDCDEFLGAHIIAIDILINKSKYLAMAMDMEMIMNMOMSMTNCNENHNJNMNVNYOHOKORPARISCSDTNTXUTVAVTWAWIWVWY
Top Metro Areas by Place Specialization Score
1
New York, NY-NJMSA
Volume: 2,140Mix: 19.89%of portfolio
Place
Exceptional2
San Jose, CAMSA
Volume: 694Mix: 6.45%of portfolio
Place
Exceptional3
San Francisco, CAMSA
Volume: 383Mix: 3.56%of portfolio
Place
Exceptional4
Oakland, CAMSA
Volume: 696Mix: 6.47%of portfolio
Place
Exceptional5
Los Angeles, CAMSA
Volume: 1,113Mix: 10.35%of portfolio
Place
Exceptional6
Nassau County, NYMSA
Volume: 555Mix: 5.16%of portfolio
Place
Exceptional7
Chicago, ILMSA
Volume: 702Mix: 6.53%of portfolio
Place
Exceptional8
Anaheim, CAMSA
Volume: 330Mix: 3.07%of portfolio
Place
Exceptional9
Washington, DC, DC-MDMSA
Volume: 240Mix: 2.23%of portfolio
Place
Strong10
Bridgeport, CTMSA
Volume: 113Mix: 1.05%of portfolio
Place
StrongShowing 10 of 49 metro areas
Top States by Place Specialization Score
1
NYState
Volume: 2,587Mix: 24.05%of portfolio
Place
Exceptional2
CAState
Volume: 3,776Mix: 35.10%of portfolio
Place
Exceptional3
DCState
Volume: 172Mix: 1.60%of portfolio
Place
Strong4
ILState
Volume: 811Mix: 7.54%of portfolio
Place
Strong5
NJState
Volume: 534Mix: 4.96%of portfolio
Place
Strong6
WAState
Volume: 236Mix: 2.19%of portfolio
Place
Strong7
MDState
Volume: 224Mix: 2.08%of portfolio
Place
Strong8
VAState
Volume: 219Mix: 2.04%of portfolio
Place
Strong9
CTState
Volume: 158Mix: 1.47%of portfolio
Place
Strong10
MAState
Volume: 182Mix: 1.69%of portfolio
Place
StrongShowing 10 of 39 states
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.