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Citizens Bank, National Association
Bank|Providence, RI|National
Loans Originated
9,612
Applications
15,455
Volume
$4 billion
Offers loans directly to consumersSources loans from independent brokers
Overall Pricing
Strong
Overall Pull Through
Strong
Safe Rate Awards⭐Conventional Superstar⭐FHA Superstar⭐VA Superstar⭐Jumbo Superstar⭐Purchase Superstar⭐Refinance Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.029%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$1,074
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
62.2%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Competitive pricing compared to the market
- Lower than average lender fees
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo loans
- Nationwide availability with consistent service
Report Card
Citizens Bank, National Association performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Strong | Highly Competitive | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Exceptional | Market Leader | |
FHA | Strong | Highly Competitive | |
VA | Strong | Highly Competitive | |
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
$515,509
Average Borrower Income
$231,043
Average Property Value
$762,093
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Strong | Exceptional | Strong | Sound | 7,543 | 78.5% | +0.029% | $1,041 |
FHA Loans | Strong | Strong | Strong | Sound | 614 | 6.4% | +0.425% | $1,453 |
VA Loans | Strong | Strong | Strong | Sound | 177 | 1.8% | -0.399% | $1,278 |
Jumbo Loans | Strong | Exceptional | Strong | Strong | 1,277 | 13.3% | -0.224% | $1,048 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Strong | Exceptional | Strong | Sound | 7,132 | 74.2% | -0.029% | $830 |
Refinance | Strong | Exceptional | Sound | Sound | 2,480 | 25.8% | +0.184% | $1,724 |
Geographic Coverage
Metro Areas
49
States Served
50
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
AKALARAZCACOCTDCDEFLGAIAIDILINKSKYLAMAMDMEMIMNMOMSMTNCNDNENHNJNMNVNYOHOKORPARISCSDTNTXUTVAVTWAWIWVWY
Top Metro Areas by Place Specialization Score
1
New York, NY-NJMSA
Volume: 1,365Mix: 14.20%
Place Specialization
Exceptional
2
Pittsburgh, PA, PAMSA
Volume: 531Mix: 5.52%
Place Specialization
Exceptional
3
Atlantic City, NJMSA
Volume: 203Mix: 2.11%
Place Specialization
Exceptional
4
Nassau County, NYMSA
Volume: 593Mix: 6.17%
Place Specialization
Exceptional
5
Providence, RI-MAMSA
Volume: 279Mix: 2.90%
Place Specialization
Exceptional
6
Bridgeport, CTMSA
Volume: 179Mix: 1.86%
Place Specialization
Exceptional
7
Philadelphia, PA, PAMSA
Volume: 263Mix: 2.74%
Place Specialization
Exceptional
8
Cleveland, OH, OHMSA
Volume: 382Mix: 3.97%
Place Specialization
Strong
9
Montgomery County, PAMSA
Volume: 232Mix: 2.41%
Place Specialization
Strong
10
Boston, MA, MAMSA
Volume: 244Mix: 2.54%
Place Specialization
Strong
Showing 10 of 49 metro areas
Top States by Place Specialization Score
1
NYState
Volume: 2,366Mix: 24.62%
Place Specialization
Exceptional
2
PAState
Volume: 1,338Mix: 13.92%
Place Specialization
Exceptional
3
NJState
Volume: 862Mix: 8.97%
Place Specialization
Exceptional
4
MAState
Volume: 783Mix: 8.15%
Place Specialization
Exceptional
5
RIState
Volume: 233Mix: 2.42%
Place Specialization
Exceptional
6
OHState
Volume: 766Mix: 7.97%
Place Specialization
Strong
7
CTState
Volume: 365Mix: 3.80%
Place Specialization
Strong
8
NHState
Volume: 189Mix: 1.97%
Place Specialization
Strong
9
MIState
Volume: 427Mix: 4.44%
Place Specialization
Strong
10
VAState
Volume: 248Mix: 2.58%
Place Specialization
Strong
Showing 10 of 40 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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