Citibank in California vs the state
11.3%Denial rate-6.17 pts vs state
17.8%Decision denial rate-4.56 pts vs state
50.6%Origination rate-5.57 pts vs state
5.75%Median rate-0.88 pts vs state
-0.25Rate spread (pts)-0.52 pts vs state
$335kMedian applicant income
5,786Loans originated
1,286Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 7,241 | 4,740 | 4.2% | 5.75% | #22 |
| 2024 | 9,585 | 4,689 | 12.0% | 6.25% | #22 |
| 2025 | 11,427 | 5,786 | 11.3% | 5.75% | #20 |
What Citibank lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Citibank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 3,172 | 1,532 | 439 | 13.8% |
| Santa Clara County | 2,351 | 1,316 | 127 | 5.4% |
| Alameda County | 1,355 | 782 | 97 | 7.2% |
| Orange County | 863 | 438 | 113 | 13.1% |
| San Mateo County | 580 | 317 | 47 | 8.1% |
| Contra Costa County | 533 | 290 | 48 | 9.0% |
| San Francisco County | 492 | 266 | 38 | 7.7% |
| San Diego County | 447 | 207 | 79 | 17.7% |
| Ventura County | 266 | 143 | 32 | 12.0% |
| Riverside County | 245 | 84 | 52 | 21.2% |
Other large lenders in California
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 79,261 | 12.6% | 6.49% |
| Rocket Mortgage | C | 58,925 | 17.6% | 6.75% |
| Bank of America | F | 40,190 | 30.8% | 5.99% |
| U.S. Bank | D | 32,493 | 31.6% | 6.50% |
| JPMorgan Chase Bank | B | 22,048 | 9.7% | 6.13% |
| Spring Eq | D | 21,601 | 50.8% | 8.88% |
| Schoolsfirst | A | 19,086 | 10.0% | 6.25% |
| Pennymac Loan Services | C | 18,754 | 13.5% | 6.50% |
| Newrez | D | 17,000 | 19.3% | 6.63% |
| Loandepot.Com | D | 16,645 | 18.7% | 6.63% |
Frequently asked questions
California: 11,427 applications in 2025, of which 5,786 were originated and 1,286 denied.
11.3% of all applications, or 17.8% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Citibank originated in California in 2025 was 5.75%, against a statewide median of 6.63%.
About this data. Figures are Citibank's own HMDA filing for properties located in California, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology