Citibank in New York vs the state
17.3%Denial rate-2.45 pts vs state
26.0%Decision denial rate+1.96 pts vs state
47.7%Origination rate-11.92 pts vs state
6.13%Median rate-0.50 pts vs state
-0.19Rate spread (pts)-0.40 pts vs state
$183kMedian applicant income
3,687Loans originated
1,338Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 5,218 | 3,455 | 7.2% | 5.63% | #17 |
| 2024 | 7,572 | 3,468 | 17.2% | 6.38% | #11 |
| 2025 | 7,735 | 3,687 | 17.3% | 6.13% | #12 |
What Citibank lends in New York
By loan purpose
By loan type
Why it denied New York applicants
Where in New York
Counties with the most Citibank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| New York County | 1,371 | 823 | 141 | 10.3% |
| Kings County | 1,162 | 618 | 169 | 14.5% |
| Queens County | 1,135 | 441 | 239 | 21.1% |
| Nassau County | 1,026 | 464 | 185 | 18.0% |
| Westchester County | 1,016 | 507 | 164 | 16.1% |
| Suffolk County | 904 | 415 | 167 | 18.5% |
| Bronx County | 365 | 117 | 102 | 27.9% |
| Richmond County | 304 | 111 | 75 | 24.7% |
| Rockland County | 83 | 36 | 18 | 21.7% |
| Orange County | 48 | 13 | 14 | 29.2% |
Other large lenders in New York
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Citizens Bank | C | 20,315 | 32.7% | 7.97% |
| Rocket Mortgage | C | 19,924 | 22.0% | 6.88% |
| United Shore Financial Services | B | 14,777 | 11.2% | 6.50% |
| JPMorgan Chase Bank | B | 14,735 | 11.7% | 6.38% |
| Manufacturers and Traders Trust | C | 12,335 | 31.3% | 5.99% |
| Bank of America | F | 10,193 | 35.7% | 5.99% |
| Bethpage Federal Credit Union | C | 9,736 | 47.2% | 6.49% |
| TD Bank | D | 9,239 | 30.2% | 7.69% |
| Newrez | D | 8,654 | 24.2% | 6.75% |
| ESL Federal Credit Union | B | 7,817 | 17.6% | 4.50% |
Frequently asked questions
New York: 7,735 applications in 2025, of which 3,687 were originated and 1,338 denied.
17.3% of all applications, or 26.0% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans Citibank originated in New York in 2025 was 6.13%, against a statewide median of 6.63%.
About this data. Figures are Citibank's own HMDA filing for properties located in New York, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology