Applications / Mortgage Analytics / Lenders / Rhode Island / Citizens Bank / Competition
Citizens Bank
Providence, RI · National bank · OCC · $226 billion assets · 68,902 loans in 2025
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68,902
loans originated, 2025
119,620
applications, 2025
50
states and territories
0
gaps bigger than at similar lenders
Who Citizens Bank competes with, by dollars lent in 2025, in its five largest markets and the three it entered most recently. A Pareto chart puts the lenders in order of size and draws their running share, so the reader sees how concentrated each market is: where the line climbs steeply, a few lenders hold most of it.
FIG. 1 — NEW YORK-NEWARK-JERSEY CITY, NY-NJ, 2025
Citizens Bank ranks 4th of 802 lenders in New York-Newark-Jersey City, NY-NJ, with $5.91B lent: 4.1% of a $144.59B market.
New York-Newark-Jersey City, NY-NJ is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Citizens Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 39% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 2 — BOSTON-CAMBRIDGE-NEWTON, MA-NH, 2025
Citizens Bank ranks 1st of 664 lenders in Boston-Cambridge-Newton, MA-NH, with $2.79B lent: 5.6% of a $49.59B market.
Boston-Cambridge-Newton, MA-NH is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Citizens Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 34% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 3 — PHILADELPHIA-CAMDEN-WILMINGTON, PA-NJ-DE-MD, 2025
Citizens Bank ranks 4th of 784 lenders in Philadelphia-Camden-Wilmington, PA-NJ-DE-MD, with $1.42B lent: 3.6% of a $39.87B market.
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Citizens Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 31% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 4 — HARTFORD-WEST HARTFORD-EAST HARTFORD, CT, 2025
Citizens Bank ranks 5th of 610 lenders in Hartford-West Hartford-East Hartford, CT, with $1.02B lent: 3.8% of a $26.67B market.
Hartford-West Hartford-East Hartford, CT is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Citizens Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 35% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 5 — PROVIDENCE-WARWICK, MA-RI, 2025
Citizens Bank ranks 1st of 475 lenders in Providence-Warwick, MA-RI, with $989.5M lent: 7.6% of a $13.02B market.
Providence-Warwick, MA-RI is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Citizens Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 35% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 6 — NON-METRO HAWAII, 2025
Citizens Bank ranks 119th of 199 lenders in non-metro Hawaii, with $2.4M lent: 0.1% of a $2.45B market.
non-metro Hawaii is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and Citizens Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 43% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 7 — TEXARKANA, AR-TX, 2025
Citizens Bank ranks 54th of 198 lenders in Texarkana, AR-TX, with $1.0M lent: 0.2% of a $445.6M market.
Texarkana, AR-TX is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and Citizens Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 47% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 8 — GADSDEN, AL, 2025
Citizens Bank ranks 180th of 190 lenders in Gadsden, AL, with $100K lent: 0.0% of a $438.6M market.
Gadsden, AL is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and Citizens Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 44% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
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Citizens Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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