Citibank, National Association

15,812 mortgages originated in 2025 across 24 states, and what they cost borrowers.

Loans originated

15,812

Median rate

6.000%

Median lender fees

$6,050

Median loan amount

$805,000

Median spread over APOR

-0.225

Paid discount points

15.8%

Received lender credits

49.4%

Purchases / refinances

58.1% / 27.7%

Conventional / FHA / VA

99.6% / 0.3% / 0.1%

Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 82.7% of loans here — see methodology.

Where Citibank, National Association lent

States with at least 50 loans in 2025, ranked by volume.