Applications / Mortgage Analytics / Lenders / South Dakota / Citibank
Sioux Falls, SD · National bank · OCC · $1.8 trillion assets · 15,812 loans in 2025
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15,812
loans originated, 2025
33,966
applications, 2025
49
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Citibank is a large-loan lender: its typical loan of $805,000 was about four times the $200,000 at similar national banks, and it bought more loans (20,818) than it made (15,812).
Its typical loan size was the highest among similar lenders (national banks making between half and twice as many loans), and jumbo loans (larger than the conforming limit) were 37.0% of its lending against 10.6%. It ranks 3 of 459 in San Jose, where its share rose from 5.9% to 6.6%.
It bought 20,818 loans, against 133 for the typical peer, the most in the group, about the same level as a year and five years before. Its own originations therefore understate its role in the market.
Low- and moderate-income (LMI) borrowers took 9.5% of its loans, against 25.0% for peers, among the lowest tenth; its focus on large loans could explain much of this. Its majority-minority share of 40.8% was the highest among peers, which lending in metros such as New York and Los Angeles may account for.
Originations rose 12%, against 1% for peers and 10% for the market, but remain well under the 36,612 of five years before. Its typical rate of 6.00% was lower than nine in ten peers, and higher-priced loans (a rate well above the average for similar loans) were 0.0%; its large conventional loans could be one reason.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Citibank took 33,966 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 58.1% · Refinance 27.7% · Home improvement 7.4% · Other 6.8%
Conventional 99.6% · FHA 0.3% · VA 0.1% · of 15,812 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| California | 5,786 | 36.6% |
| New York | 3,687 | 23.3% |
| Illinois | 1,251 | 7.9% |
| New Jersey | 707 | 4.5% |
| Florida | 565 | 3.6% |
| Texas | 506 | 3.2% |
| Maryland | 400 | 2.5% |
| Washington | 317 | 2.0% |
| Virginia | 311 | 2.0% |
| District of Columbia | 281 | 1.8% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| New York-Jersey City-White Plains | 2,937 |
| Los Angeles-Long Beach-Glendale | 1,532 |
| San Jose-Sunnyvale-Santa Clara | 1,326 |
| Chicago-Naperville-Schaumburg | 1,075 |
| Oakland-Fremont-Berkeley | 1,072 |
| Nassau County-Suffolk County | 879 |
| San Francisco-San Mateo-Redwood City | 583 |
| Anaheim-Santa Ana-Irvine | 438 |
| Washington | 433 |
| Arlington-Alexandria-Reston | 270 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | E57ODZWZ7FF32TWEFA76 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 476810 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 11461 | 1990–2010 |
| Respondent ID (the HMDA filer code before 2018) | 9476810 | 2011–2017 |
Established 16 June 1812. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Citibank's data.
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