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Citibank, National Association
Bank|Sioux Falls, SD|National
Loans Originated
10,757
Applications
17,616
Volume
$10 billion
Offers loans directly to consumersSources loans from independent brokers
Overall Pricing
Exceptional
Overall Pull Through
Sound
Safe Rate Awards💎Jumbo Champion⭐Conventional Superstar⭐Purchase Superstar⭐Refinance Superstar
Pricing and Pullthrough Overview
Average Rate Spread
-0.252%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
-$568
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
61.1%
Percentage of applications that result in closed loans
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
Report Card
Citibank, National Association performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Exceptional | Market Leader | |
Pull Through Closing Strength | Sound | Industry Standard | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Exceptional | Market Leader | |
FHA | Sound | Industry Standard | |
Jumbo | Exceptional | Market Leader | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Exceptional | Market Leader | |
Refinance | Exceptional | Market Leader | |
Places Geographic coverage | Strong | National · 50 metro areas · 50 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$964,420
Average Borrower Income
$488,569
Average Property Value
$1,352,198
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Strong | Exceptional | Exceptional | Sound | 6,457 | 60.0% | -0.177% | -$268 |
FHA Loans | Sound | Sound | Exceptional | Acceptable | 33 | 0.3% | +0.309% | -$50 |
Jumbo Loans | Exceptional | Exceptional | Exceptional | Strong | 4,258 | 39.6% | -0.389% | -$1,114 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Strong | Exceptional | Exceptional | Sound | 9,455 | 87.9% | -0.257% | -$448 |
Refinance | Strong | Exceptional | Exceptional | Sound | 1,302 | 12.1% | -0.213% | -$1,461 |
Geographic Coverage
Metro Areas
49
States Served
50
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
AKALARAZCACOCTDCDEFLGAHIIAIDILINKSKYLAMAMDMEMIMNMOMSMTNCNENHNJNMNVNYOHOKORPARISCSDTNTXUTVAVTWAWIWVWY
Top Metro Areas by Place Specialization Score
1
New York, NY-NJMSA
Volume: 2,140Mix: 19.89%
Place Specialization
Exceptional
2
San Jose, CAMSA
Volume: 694Mix: 6.45%
Place Specialization
Exceptional
3
San Francisco, CAMSA
Volume: 383Mix: 3.56%
Place Specialization
Exceptional
4
Oakland, CAMSA
Volume: 696Mix: 6.47%
Place Specialization
Exceptional
5
Los Angeles, CAMSA
Volume: 1,113Mix: 10.35%
Place Specialization
Exceptional
6
Nassau County, NYMSA
Volume: 555Mix: 5.16%
Place Specialization
Exceptional
7
Chicago, ILMSA
Volume: 702Mix: 6.53%
Place Specialization
Exceptional
8
Anaheim, CAMSA
Volume: 330Mix: 3.07%
Place Specialization
Exceptional
9
Washington, DC, DC-MDMSA
Volume: 240Mix: 2.23%
Place Specialization
Strong
10
Bridgeport, CTMSA
Volume: 113Mix: 1.05%
Place Specialization
Strong
Showing 10 of 49 metro areas
Top States by Place Specialization Score
1
NYState
Volume: 2,587Mix: 24.05%
Place Specialization
Exceptional
2
CAState
Volume: 3,776Mix: 35.10%
Place Specialization
Exceptional
3
DCState
Volume: 172Mix: 1.60%
Place Specialization
Strong
4
ILState
Volume: 811Mix: 7.54%
Place Specialization
Strong
5
NJState
Volume: 534Mix: 4.96%
Place Specialization
Strong
6
WAState
Volume: 236Mix: 2.19%
Place Specialization
Strong
7
MDState
Volume: 224Mix: 2.08%
Place Specialization
Strong
8
VAState
Volume: 219Mix: 2.04%
Place Specialization
Strong
9
CTState
Volume: 158Mix: 1.47%
Place Specialization
Strong
10
MAState
Volume: 182Mix: 1.69%
Place Specialization
Strong
Showing 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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