Citibank's 10.8k closed loans and 18k applications, benchmarked against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Exceptional
5/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · Jumbo
Place
Strong
4/5
National · 49 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Jumbo
Champion
Conventional
Superstar
Purchase
Superstar
Refinance
Superstar
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
Explore another lender or local market
Report Card
Citibank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
Rates 25.2 bps below market avg
5/5
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
6,457 loans · 0.18% below market
Exceptional
Top 20% of lenders
5/5
FHA
33 loans · 0.31% above market
Sound
Top 60% of lenders
3/5
Jumbo
4,258 loans · 0.39% below market
Exceptional
Top 5% of lenders
5/5
By Loan Purpose· Transaction purpose mix
Purchase
9,455 loans · 0.26% below market
Exceptional
Top 20% of lenders
5/5
Refinance
1,302 loans · 0.21% below market
Exceptional
Top 20% of lenders
5/5
By Location· Geographic coverage
Geographic Reach
National · 50 markets
Strong
Top 40% of lenders
4/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 6,457 | 60.0% | -0.177%Below | $268Credit | ||||
FHA Loans | 33 | 0.3% | +0.309%Above | $50Credit | ||||
Jumbo Loans | 4,258 | 39.6% | -0.389%Below | $1,114Credit |
Conventional
OverallStrong
ProductExceptional
PricingExceptional
Pull ThroughSound
Volume6,457
Mix60.0%
Spread
-0.177%Below
Fees
$268Credit
FHA Loans
OverallSound
ProductSound
PricingExceptional
Pull ThroughAcceptable
Volume33
Mix0.3%
Spread
+0.309%Above
Fees
$50Credit
Jumbo Loans
OverallExceptional
ProductExceptional
PricingExceptional
Pull ThroughStrong
Volume4,258
Mix39.6%
Spread
-0.389%Below
Fees
$1,114Credit
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 9,455 | 87.9% | -0.257%Below | $448Credit | ||||
Refinance | 1,302 | 12.1% | -0.213%Below | $1,461Credit |
Purchase
OverallStrong
ProductExceptional
PricingExceptional
Pull ThroughSound
Volume9,455
Mix87.9%
Spread
-0.257%Below
Fees
$448Credit
Refinance
OverallStrong
ProductExceptional
PricingExceptional
Pull ThroughSound
Volume1,302
Mix12.1%
Spread
-0.213%Below
Fees
$1,461Credit
At a Glance
Lender Overview
Lending Activity
Loans Originated
10,757
Applications
17,616
Volume
$10 billion
Pricing & Closing
Avg Rate Spread
-0.252%
vs. market APOR
Avg Net Fees
$-568
Origination − Credits
Pullthrough Rate
61.1%
Applications → Closed
Typical Borrower
Avg Loan Amount
$964,420
Avg Borrower Income
$488,569
Avg Property Value
$1,352,198
Geographic Coverage
Geographic Performance
Metro Areas
49
markets with activity
States Served
50
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
50Full-year 2024 · HMDALoans originated
< 1010–2020–100100–200200+None
Northeast9
CTMEMANHNJNYPARIVT
Midwest11
IAILINKSMIMNMONEOHSDWI
South17
ALARDCDEFLGAKYLAMDMSNCOKSCTNTXVAWV
West13
AKAZCACOHIIDMTNMNVORUTWAWY
Top Metro Areas by Place Specialization Score
Showing 10 of 49 metro areas
Top States by Place Specialization Score
Showing 10 of 39 states
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 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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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.