Citizens Bank, National Association
68,902 mortgages originated in 2025 across 33 states, and what they cost borrowers.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 68,902
- Median rate
- 7.500%
- Median lender fees
- $6,796
- Median loan amount
- $205,000
- Median spread over APOR
- 0.360
- Paid discount points
- 7.7%
- Received lender credits
- 13%
- Purchases / refinances
- 15.9% / 35.8%
- Conventional / FHA / VA
- 99% / 0.8% / 0.2%
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 15.2% of loans here — see methodology.
Where Citizens Bank, National Association lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| New York | 11,000 | $9,587 | 7.965% |
| Pennsylvania | 10,441 | $6,210 | 7.650% |
| Massachusetts | 10,235 | $6,761 | 7.400% |
| New Jersey | 7,208 | $8,073 | 7.400% |
| Ohio | 4,732 | $4,764 | 7.650% |
| Rhode Island | 3,762 | $5,570 | 7.400% |
| Michigan | 3,697 | $4,059 | 7.650% |
| New Hampshire | 3,194 | $4,661 | 7.400% |
| Connecticut | 3,030 | $7,966 | 7.400% |
| Florida | 2,297 | $8,532 | 7.900% |
| Virginia | 994 | $7,391 | 7.650% |
| Delaware | 972 | $6,165 | 7.650% |
| North Carolina | 931 | $5,412 | 7.400% |
| Maryland | 745 | $7,963 | 8.400% |
| Georgia | 669 | $5,820 | 7.900% |
| South Carolina | 603 | $5,549 | 7.400% |
| California | 589 | $9,343 | 5.750% |
| Tennessee | 579 | $4,467 | 7.900% |
| Illinois | 454 | $6,221 | 7.400% |
| Vermont | 397 | — | 7.650% |
| Indiana | 362 | — | 7.900% |
| Kentucky | 297 | $3,558 | 7.900% |
| Maine | 255 | $5,500 | 7.400% |
| Minnesota | 189 | — | 7.900% |
| Nebraska | 188 | $2,757 | 6.875% |
| Alabama | 170 | — | 8.150% |
| Texas | 121 | $6,911 | 6.375% |
| Arkansas | 109 | — | 7.650% |
| District of Columbia | 92 | — | 7.200% |
| South Dakota | 81 | — | 6.875% |
| Iowa | 70 | — | 6.638% |
| Wisconsin | 52 | — | 6.313% |
| Oklahoma | 51 | — | 8.150% |