Citibank in Massachusetts vs the state
13.0%Denial rate-3.20 pts vs state
18.0%Decision denial rate-1.97 pts vs state
57.5%Origination rate-5.15 pts vs state
5.69%Median rate-0.94 pts vs state
-0.33Rate spread (pts)-0.43 pts vs state
$480kMedian applicant income
212Loans originated
48Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 349 | 235 | 4.3% | 5.25% | #106 |
| 2024 | 342 | 209 | 7.9% | 6.13% | #103 |
| 2025 | 369 | 212 | 13.0% | 5.69% | #99 |
What Citibank lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
Where in Massachusetts
Counties with the most Citibank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Middlesex County | 107 | 69 | 7 | 6.5% |
| Norfolk County | 58 | 38 | 5 | 8.6% |
| Suffolk County | 42 | 27 | 5 | 11.9% |
| Essex County | 34 | 19 | 7 | 20.6% |
| Barnstable County | 31 | 19 | 2 | 6.5% |
| Worcester County | 24 | 5 | 9 | 37.5% |
| Plymouth County | 23 | 13 | 4 | 17.4% |
| Berkshire County | 14 | 5 | 1 | 7.1% |
| Nantucket County | 14 | 12 | 1 | 7.1% |
| Bristol County | 8 | 1 | 3 | 37.5% |
Other large lenders in Massachusetts
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Citizens Bank | C | 17,476 | 29.0% | 7.40% |
| Rocket Mortgage | C | 8,698 | 15.9% | 6.75% |
| Bank of America | F | 7,784 | 30.1% | 5.99% |
| Guaranteed Rate | B | 7,313 | 4.5% | 6.50% |
| Eastern Bank | B | 6,216 | 31.8% | 6.99% |
| Rockland Trust | C | 5,990 | 28.6% | 6.99% |
| Leader Bank | A | 5,913 | 1.8% | 6.25% |
| United Shore Financial Services | B | 5,898 | 12.8% | 6.50% |
| Crosscountry Mortgage | B | 5,634 | 3.8% | 6.63% |
| TD Bank | D | 3,778 | 26.9% | 7.44% |
Frequently asked questions
Massachusetts: 369 applications in 2025, of which 212 were originated and 48 denied.
13.0% of all applications, or 18.0% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
The median rate on loans Citibank originated in Massachusetts in 2025 was 5.69%, against a statewide median of 6.63%.
About this data. Figures are Citibank's own HMDA filing for properties located in Massachusetts, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology