Citibank
New York, New York · HQ in New York County · NMLS #412915
Citibank, National Association (NMLS #412915) is a national bank with residential mortgage originations including multi-hundred New Jersey HMDA volume in public data.
Research Score
50 / 100
Re-checkable NMLS identity, third-party reputation snapshots when present, complaint-pattern context, and field completeness. Editorial research composite only.
Data Confidence
87 / 100
High data confidence
NMLS / License Status
NMLS ID verified
NMLS #412915 — re-confirm on NMLS Consumer Access before applying.
Local Market Evidence
Local market evidence · New York County
HQ locality derived from listed_county (New York)
Does not measure approval odds, interest rates, closing speed, or future service quality. Not a regulator grade or NMLS endorsement. Methodology
Score factors
- NMLS identity evidence: 28/28 — NMLS #412915 — re-confirm on NMLS Consumer Access before applying.
- Third-party reputation snapshot: 0/26 — No review volume on file
- CFPB complaint pattern: 8/16 — Catalog shows 0 complaints — treated as unverified default, not a clean bill of health
- BBB grade (catalog): 0/12 — Grade A listed in seed data — not scored until independently sourced (confirm on BBB.org)
- Licensed locality completeness: 8/12 — Derived HQ locality: New York County (listed_county)
- Loan type disclosure: 6/6 — 5 loan type(s) listed
Closing timelines are only shown when backed by a documented observed dataset (source, sample size, window). Seed or editorial estimates are not displayed. Hub methodology. Research listing only — not an endorsement of this lender. Re-verify NMLS #412915 on NMLS Consumer Access.
Loan Types
Specialties
Public metrics (provenance-gated)
Raw count as listed — not size-normalized. A complaint is not a finding of wrongdoing.
Self-described product focus as listed — not underwriting criteria.
Third-party review and BBB snapshots are suppressed until independently retrieved. Volume ranks are not shown without a documented source.
Federal mortgage data · HMDA
What the federal data shows
Source: 2025 HMDA · New Jersey activity · Not a score or ranking
Among tracked high-volume counties in this state slice
HMDA applications in state summary (selected outcomes)
Top counties by originations
- Bergen County162
- Essex County103
- Hudson County83
- Union County68
- Monmouth County55
Loan-type mix (New Jersey originations)
Market share in key counties
Share of county originations among all HMDA filers in that county (shown when ≥ 1%).
- Bergen County162 originations · 1.0% share
- Hudson County83 originations · 1.2% share
Data as of 2025 HMDA. Figures are derived from public HMDA records published by the CFPB/FFIEC Data Browser. They reflect reported mortgage applications and originations, not a rating or endorsement. CFPB/FFIEC HMDA Data Browser.
We show the public record. You decide.
Consumer complaint context · CFPB
What the public complaint record shows
Source: CFPB Consumer Complaint Database · Mortgage product only · Not a score or ranking
Cumulative published rows for matched company name(s)
Published on or after 2024-08-10
10,234 yes · 179 no (CFPB field)
Top complaint issues
- Loan modification,collection,foreclosure4,702(45.2%)
- Loan servicing, payments, escrow account2,617(25.1%)
- Application, originator, mortgage broker704(6.8%)
- Trouble during payment process531(5.1%)
- Struggling to pay mortgage472(4.5%)
Company response (as published)
- Closed with explanation8,489(81.5%)
- Closed with non-monetary relief847(8.1%)
- Closed with monetary relief401(3.9%)
- Closed without relief322(3.1%)
- Closed with relief171(1.6%)
Matching & scope
Matched to CFPB company name “CITIBANK, N.A.” (trailing period required).
CFPB company name(s): CITIBANK, N.A.
Complaints are national (CFPB mortgage product). HMDA originations on this site are currently Florida-focused for matched LEIs. A per-1,000 rate mixes national complaint volume with state originations — use only as rough size context, not a score.
Data as of 2026-08-10. Complaint counts come from the public CFPB Consumer Complaint Database (mortgage product only). They are not a finding of fault, not size-normalized by default, and are not a rating or ranking. Larger originators and servicers naturally attract more complaints. CFPB Consumer Complaint Database.
We show the public record. You decide.
Research listing only — not an endorsement. Public panels (when shown) cite HMDA and/or CFPB sources with as-of dates. Re-verify NMLS identity on NMLS Consumer Access before applying. Lender Trust Hub is not a lender or broker and does not provide financial advice. We show the public record. You decide.