Lender profile · HMDA 2023–2025
Citibank, National Association mortgage approval rates & lending data
Citibank, National Association decided 47,993 mortgage applications and funded 39,673 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 92% | 28,106 / 30,624 | 98% | $895K | 27,471 |
| Home improvement loans | 43% | 2,098 / 4,892 | 94% | $155K | 1,978 |
| Cash-out refinance | 65% | 1,753 / 2,699 | 97% | $305K | 1,701 |
| Refinance | 92% | 4,686 / 5,100 | 98% | $1.19M | 4,607 |
| Investment property purchase | 91% | 3,500 / 3,864 | 97% | $755K | 3,394 |
| Investment cash-out refinance | 68% | 176 / 258 | 98% | $805K | 173 |
| Investment refinance | 82% | 285 / 347 | 95% | $1.08M | 270 |
| Investment home improvement | 43% | 90 / 209 | 88% | $345K | 79 |
Citibank, National Association lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| California | 88% | $1.19M | 16,492 | 14,280 |
| New York | 83% | $785K | 12,168 | 9,764 |
| Illinois | 83% | $385K | 3,680 | 2,973 |
| New Jersey | 87% | $905K | 2,459 | 2,088 |
| Florida | 71% | $715K | 2,349 | 1,605 |
| Texas | 82% | $995K | 1,727 | 1,377 |
| Maryland | 83% | $805K | 1,020 | 823 |
| Virginia | 91% | $1.05M | 853 | 759 |
| Washington | 92% | $1.14M | 826 | 751 |
| District of Columbia | 91% | $845K | 815 | 731 |
| Massachusetts | 91% | $1.26M | 661 | 587 |
| Connecticut | 80% | $1.18M | 589 | 459 |
| Pennsylvania | 83% | $765K | 553 | 445 |
| Georgia | 84% | $1M | 425 | 348 |
| North Carolina | 90% | $925K | 420 | 363 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.