HMDA records
57,087
2025
Public institution profile · Bank · Not a recommendation
Citibank, National Association
BankSioux Falls, SDActive
FDIC certificate 7213
Data observedAugust 3, 2026Section records may have different source dates.
- Public-source data
- Source-linked records
- No paid lender rankings
- See methodology
- Correct the record
Identifiers, verification, and corrections
Stable identifiers
Publication-authorized verified identifiers only. Missing applicable identifiers are shown as unpublished verified matches, not as a finding that no record exists.
- FDIC certificate
- 7213
- company ID
- Not published — no verified match
More identifiers
- Federal Reserve
- 476810
- OCC charter number
- 1461
- Not published — no verified match
- Official website
- https://www.citibank.com
Verify at FDICVerify at FFIEC NIC / regulator
Identity verified through FDIC; additional sources pendingVerification describes the U.S. Mortgage Index public-source matching process. It is not an endorsement or recommendation. Read the methodology
Profile notes
This is a descriptive public-record research profile. It is not a recommendation, eligibility decision, product assessment, or rate quote.
Data correction
Institutions or readers may request review when a published field differs from an official source. Provide the relevant official source URL with the request.
Request a correctionAt a glance
- Institution type
- Bank
- Status
- Active
- Headquarters
- Sioux Falls, SD
- HMDA activity
- Published activity year 2025
- Listed branch locations
- 767
- Complaint records
- CFPB search status is not currently available.
- CRA examinations
- No published CRA result found
- Institution history
- 21 published events
What USMI publishes
Public records USMI has matched to this institution. The sections below keep the evidence, the source, and that section's date together.
- Institution type
- Bank
- Status
- Active
- Headquarters
- Sioux Falls, SD
- activity
- Published activity year 2025
- Listed branch locations
- 767
- Complaint records
- CFPB search status is not currently available.
- CRA examinations
- No published CRA result found
- Institution history
- 21 published events
Mortgage FAQ: How can I check whether a company or person can make or broker mortgage loans? This is general mortgage education, not a finding about this institution.
What this profile is not
- Not a lender recommendation or ranking.
- Not a mortgage rate sheet or quote.
- Not an underwriting, approval, or eligibility decision.
- Not proof of an NMLS license unless a verified NMLS company ID/source is specifically published.
- Not a complaint-resolution channel.
- Missing source blocks do not establish that an institution lacks an activity, identifier, license or regulatory record.
HMDA
Mortgage activity
Reported records for the selected year. These figures are not a lender score.
57,087reported records
15,812reported originations
2025 reported mortgage activity. Source: HMDA.
HMDA2025The year selector below shows each published activity year.
activity
Mortgage activity reported in HMDA. Public HMDA records are available for 2018–2025.
Geographynationwide
HMDA source observed2026-08-09
Loan originations
15,812
2025
Denials
5,129
2025
Withdrawals
8,683
2025
Denial rate among decisioned applications
24.0%
2025
Annual history
Scroll sideways to review every HMDA column.
| Year | HMDA records | Originations | Approved but not accepted | Denials | Withdrawals | Denial rate |
|---|---|---|---|---|---|---|
| 2025 | 57,087 | 15,812 | 464 | 5,129 | 8,683 | 24.0% |
| 2024 | 54,575 | 14,104 | 486 | 4,681 | 8,179 | 24.3% |
| 2023 | 43,081 | 14,514 | 306 | 1,352 | 6,117 | 8.4% |
| 2022 | 50,322 | 17,246 | 376 | 1,888 | 6,739 | 9.7% |
| 2021 | 73,698 | 29,677 | 1,086 | 6,453 | 11,896 | 17.3% |
| 2020 | 101,255 | 36,612 | 1,120 | 16,888 | 18,098 | 30.9% |
| 2019 | 86,213 | 34,551 | 685 | 18,016 | 11,222 | 33.8% |
| 2018 | 82,593 | 32,159 | 600 | 21,093 | 10,862 | 39.2% |
Detailed activity
Loan type and purpose
| Category | HMDA records |
|---|---|
| Conventional | 56,646 |
| FHA | 323 |
| VA | 118 |
| RHS / FSA | 0 |
| Home purchase | 33,690 |
| Home improvement | 5,776 |
| Refinancing | 8,537 |
| Cash-out refinancing | 3,184 |
State reporting
52 states / territories reported
How to read these figures
HMDA records include applications, originations, purchased loans and other reportable actions. The total number of HMDA records is not the same as the number of mortgages originated. The displayed denial rate uses decisioned applications: originations, approved but not accepted, and denials.
CFPB
CFPB consumer submissions
Complaints are consumer submissions and are not findings of wrongdoing.
CFPBComplaint coverage dates are shown with the records. They are not the profile observed date.
CFPB Mortgage Complaint Activity
Current USMI CFPB mortgage complaint coverage begins December 1, 2012. Data through August 20, 2026.
Total CFPB mortgage complaint records
8,722
Coverage start
December 1, 2012
Data through
August 20, 2026
Annual activity
| Year | Complaint records |
|---|---|
| 2012 | 143 |
| 2013 | 2,391 |
| 2014 | 1,647 |
| 2015 | 1,387 |
| 2016 | 1,154 |
| 2017 | 831 |
| 2018 | 415 |
| 2019 | 208 |
| 2020 | 126 |
| 2021 | 181 |
| 2022 | 63 |
| 2023 | 41 |
| 2024 | 50 |
| 2025 | 43 |
| 2026 | 42 |
Leading issues
Loan modification,collection,foreclosure
None
3,825
Loan servicing, payments, escrow account
None
2,095
Application, originator, mortgage broker
None
554
Trouble during payment process
None
498
Struggling to pay mortgage
None
462
View all issues (47)
Applying for a mortgage or refinancing an existing mortgage
None
311
Settlement process and costs
None
253
Credit decision / Underwriting
None
214
Closing on a mortgage
None
207
Other
None
104
Incorrect information on your report
Account status incorrect
19
Applying for a mortgage or refinancing an existing mortgage
Application denials
14
Incorrect information on your report
Account information incorrect
13
Trouble during payment process
Trying to communicate with the company to fix an issue while managing or servicing your loan
13
Closing on a mortgage
Trying to communicate with the company to fix an issue with the loan closing
12
Problem with a credit reporting company's investigation into an existing problem
Investigation took more than 30 days
11
Applying for a mortgage or refinancing an existing mortgage
Trying to communicate with the company to fix an issue with the application process
10
Closing on a mortgage
Delays with the closing process
10
Applying for a mortgage or refinancing an existing mortgage
Confusing or misleading advertising or marketing
8
Applying for a mortgage or refinancing an existing mortgage
Fees or costs during the application process
8
Applying for a mortgage or refinancing an existing mortgage
Delays in the application process
7
Closing on a mortgage
Changes in loan terms during or after closing
7
Closing on a mortgage
Closing disclosure or other related disclosures
6
Trouble during payment process
Lien release
6
Applying for a mortgage or refinancing an existing mortgage
Loan estimate or other related disclosures
5
Struggling to pay mortgage
Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
5
Trouble during payment process
Paying off the loan
5
Struggling to pay mortgage
Foreclosure
4
Trouble during payment process
Payment process
4
Applying for a mortgage or refinancing an existing mortgage
Changes in loan terms during the application process
3
Incorrect information on your report
Information is missing that should be on the report
3
Incorrect information on your report
Public record information inaccurate
3
Trouble during payment process
Loan sold or transferred to another company
3
Improper use of your report
Reporting company used your report improperly
2
Incorrect information on your report
Information belongs to someone else
2
Problem with a company's investigation into an existing problem
Their investigation did not fix an error on your report
2
Problem with a company's investigation into an existing problem
Was not notified of investigation status or results
2
Problem with a credit reporting company's investigation into an existing problem
Difficulty submitting a dispute or getting information about a dispute over the phone
2
Trouble during payment process
Escrow, taxes, or insurance
2
Applying for a mortgage or refinancing an existing mortgage
Negative impact of inaccurate appraisal
1
Closing on a mortgage
Fees or costs after closing
1
Incorrect information on your report
Old information reappears or never goes away
1
Incorrect information on your report
Personal information incorrect
1
Problem with a company's investigation into an existing problem
Difficulty submitting a dispute or getting information about a dispute over the phone
1
Struggling to pay mortgage
Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
1
Trouble during payment process
Interest rate
1
Trouble during payment process
Private mortgage insurance (PMI)
1
States
California
1,204
New York
954
Florida
776
Texas
523
Georgia
408
View all states (60)
New Jersey
387
Illinois
381
Ohio
313
Michigan
310
Pennsylvania
271
Maryland
269
North Carolina
254
Virginia
230
Massachusetts
190
Arizona
150
Minnesota
138
Washington
137
Missouri
135
Colorado
126
Connecticut
126
South Carolina
104
Tennessee
101
Wisconsin
101
Indiana
90
None
87
Oregon
85
Alabama
79
Nevada
72
Louisiana
65
Kentucky
61
Delaware
54
New Hampshire
47
Oklahoma
47
New Mexico
42
Mississippi
37
Arkansas
35
Utah
34
Iowa
33
District of Columbia
32
Kansas
30
Puerto Rico
27
Nebraska
24
West Virginia
21
Maine
20
Hawaii
19
Idaho
18
Rhode Island
16
Vermont
12
North Dakota
11
South Dakota
11
Alaska
7
Wyoming
5
AE
3
Montana
3
Guam
2
AA
1
American Samoa
1
AP
1
Federated States of Micronesia
1
U.S. Virgin Islands
1
Company response
Closed with explanation
7,618
Closed with non-monetary relief
717
Closed with monetary relief
335
Closed
52
Timely response
Timely-response figures are a count distribution as reported to CFPB, not a score.
Yes
8,715
No
7
How to read these figures
Complaint volume is context. It is affected by company size, servicing volume, time in market and consumer awareness. It is not proof of wrongdoing. CFPB complaint records are submissions received by the Consumer Financial Protection Bureau. Complaint volume does not establish misconduct or wrongdoing. Counts can be influenced by company size, mortgage servicing volume, time in operation, consumer awareness and reporting, and corporate reporting structure. U.S. Mortgage Index does not treat complaint allegations as independently verified facts.
Learn more: What can I do if I think a mortgage lender discriminated against me? This is general mortgage education, not a finding about this institution.
Regulatory records
Regulatory & institutional records
Only records that apply to this institution are shown. Identifiers stay as published.
FFIEC NICAugust 19, 2026Observed date for the NIC institution record.
Institution identity
FDIC BankFind baseline
FDIC-reported identity and institutional fields from the public BankFind record. These values are not described as current or real-time.
- Legal name
- Citibank, National Association
- Display name
- Citibank, National Association
- Institution status
- Active
- FDIC insured
- Yes
- FDIC insured since
- January 1, 1934
- Established date
- June 16, 1812
- Charter class
- National bank, member of the Federal Reserve System (FRS)
- Primary federal regulator
- Office of the Comptroller of the Currency
- Headquarters
- Sioux Falls, SD, 57108, United States
- Website
- https://www.citibank.com
- FDIC certificate number
- 7213
- Federal Reserve
- 476810
- OCC charter number
- 1461
- Domestic location count
- 670
- Source observed
- August 3, 2026
Regulatory information
Regulatory profile
Public FFIEC NIC and CRA records for this institution, presented as source-backed regulatory context rather than a score or recommendation.
Regulatory identity
- Institution status
- ACTIVE
- Primary federal regulator
- OCC
- Institution type
- National Bank
- Primary activity
- NAICS 52211
- FDIC certificate
- 7213
- Federal Reserve
- 476810
- E57ODZWZ7FF32TWEFA76
- Headquarters
- 5800 South Corporate Place, Sioux Falls, SD, 57108, United States
- Primary deposit insurer
- Deposit Insurance Fund (DIF)
- Source observed
- August 19, 2026
Community Reinvestment Act (CRA)
No published CRA result found. This does not establish that no record exists elsewhere. It means USMI does not currently have a published matching result for this profile.
This information reflects Community Reinvestment Act examination ratings reported by the cited official source. It is not a US Mortgage Index rating, recommendation, or assessment of the institution.
Formal hierarchy
FFIEC NIC hierarchy rows
184
Showing 1 through 25 of 184 relationship records
FFIEC NIC information reflects public regulatory records observed on the displayed source date. Observed dates describe when the public record was reviewed, not a real-time update.
Additional profile fields
Fields below supplement the primary source baseline and are shown only when present on the public profile.
- Entity type
- FDIC-insured national bank
Locations
Branch and office locations
Start with the published count and primary location. Search stays paged so the first view stays readable.
FFIEC NIC branchesAugust 19, 2026Branch rows are paged. Filters stay in the page address.
Branch locations
Listed locations from FFIEC NIC. Counts use the published branch record, not a store locator.
Branch network
Listed locations
767
Showing 701 through 750 of 767 listed locations
Scroll sideways to see every branch column.
| Branch | Address | City | State | Postal code |
|---|---|---|---|---|
| HO CHI MINH CITY BRANCH | Sun Wah Tower, 15th Floor, 115 Nguyen, Hue Boulevard, District 1 | Ho Chi Minh City | — | Postal code not provided by source. |
| PRINCIPAL OFFICE BRANCH | Citibank Tower, 3 Garden Road | Hong Kong | — | Postal code not provided by source. |
| SOGO BRANCH | Wellable Commerical Bldg, Gf-2f & Unit 2 - 16f, 513-517 Hennessy R | Hong Kong | — | Postal code not provided by source. |
| TAIKOO SHING BRANCH | Shop G13 & P26 FU Shan Mansion, 25 Taikoo Shing Road | Hong Kong | — | Postal code not provided by source. |
| TSUEN WAN BRANCH | 10-12 Chung ON Street, New Territories | Hong Kong | — | Postal code not provided by source. |
| WANCHAI BRANCH | 101-105 Hennessey Road, G/f, Yuet Hing Building | Hong Kong | — | Postal code not provided by source. |
| WHEELOCK HOUSE BRANCH (MAIN BRANCH) | 20 Pedder Street, Central | Hong Kong | — | Postal code not provided by source. |
| HYDERABAD BRANCH | Unit No. 1103 & 1104, 11th Floor, Gowra | Hyderabad | — | Postal code not provided by source. |
| ISLAMABAD BRANCH | Ufone Tower. #55-c, 2nd Floor, Jinnah AV | Islamabad | — | Postal code not provided by source. |
| KC INDONESIA BRANCH | Scbd Lot 10 Jl. Jend Sudirman Kav. 52-53, Citibank Tower | Jakarta | — | Postal code not provided by source. |
| SOUTH QUARTER BRANCH | Jl. RA Kartini Kav. 8,, Cilandak Barat | Jakarta | — | 12430 |
| JOHANNESBURG BRANCH | 145 West Street | Johannesburg | — | Postal code not provided by source. |
| SKY TOWER BRANCH | 13th Floor, Sky Tower B, East Wing, Dolm, Sindh | Karachi | — | 75600 |
| NEW KINGSTON BRANCH | 19 Hillcrest Avenue | Kingston | — | Postal code not provided by source. |
| KOCHI BRANCH | Door NO 46/3583/e 5,5th Floor, Office | Kochi | — | Postal code not provided by source. |
| KOLKATA | Unit NO 9a-1 & 9a-2, 9/f, Unimark Asian | Kolkata | — | Postal code not provided by source. |
| FESTIVAL WALK BRANCH | Festival Walk Tower, 80 Tat Chee Avenue | Kowloon | — | Postal code not provided by source. |
| MONGKOK BRANCH | Shop 8, Wai Fung Plaza, 664 Nathan Road | Kowloon | — | Postal code not provided by source. |
| NATHAN ROAD BRANCH | 72 Nathan Road | Kowloon | — | Postal code not provided by source. |
| OBE BRANCH | 83 Hoi Bun Road, 21/f & 23/f,citi Tower | Kowloon | — | Postal code not provided by source. |
| KUWAIT BRANCH | Arabian Gulf Street, 10th Floor, Ahmed Tower | Kuwait City | — | Postal code not provided by source. |
| LABUAN BRANCH | Jalan Merdeka, Financial Park | Labuan | — | Postal code not provided by source. |
| EFU HOUSE BRANCH | Efu House, Jail Road, Punjab | Lahore | — | 54000 |
| CANADA SQUARE CENTER BRANCH | Citigroup Centre, Canada Square, Canary Wharf | London | — | Postal code not provided by source. |
| STIRLING SQUARE BRANCH | 5/7 Carlton Gardens, Stirling Square | London | — | Postal code not provided by source. |
| SEEF BRANCH | Building 1133 Road 2819 | Manama | — | Postal code not provided by source. |
| MEDAN BRANCH | Jl. Imam Bonjol No. 23 | Medan | — | Postal code not provided by source. |
| MILAN BRANCH | Piazzetta Bossi 3 | Milan | — | Postal code not provided by source. |
| MOMBASA BRANCH | Citibank House Nkuruma Road | Mombasa | — | Postal code not provided by source. |
| CERRITO BRANCH | Cerrito 455 | Montevideo | — | Postal code not provided by source. |
| NIRMAL BRANCH | Nirmal Building, Nariman Point | Mumbai | — | Postal code not provided by source. |
| OKINAWA SUB-BRANCH | Tomarin, 3-25-1, Maejima | Naha | — | Postal code not provided by source. |
| CITIBANK HEADOFFICE BRANCH | Citibank House, Upperhill Road | Nairobi | — | Postal code not provided by source. |
| OAKES FIELD (BAHAMAS) BRANCH | 14 University Drive | Nassau | — | Postal code not provided by source. |
| DELHI - PUNJABI BAGH | 3/f, Building 1/81, Club Road, West Punj | New Delhi | — | Postal code not provided by source. |
| SHATIN BRANCH | Shop Nos. 1, 24 And 25, G/f, Shatin Plaz | New Territories | — | Postal code not provided by source. |
| YUEN LONG BRANCH | 126-128 Yuen Long Main Road | New Territories | — | Postal code not provided by source. |
| NOIDA BRANCH | Som Dutt Towers, K-2, Sector-18 | Noida | — | Postal code not provided by source. |
| ORAN BRANCH | Boulevard Millenium,cite Khemisti Pos, 22-3,residence Les Belles DE Jour,plaza | Oran | — | 31000 |
| TORRES DE LAS AMERICAS | Torres DE Las Americas, Torre B Piso 12 | Panama City | — | Postal code not provided by source. |
| DELMAS ROAD BRANCH | Angle Blvd T. Louverture | Port-au-prince | — | Postal code not provided by source. |
| PUNE BRANCH | North Main Road, Koregaon Park | Pune | — | Postal code not provided by source. |
| QUITO AVENIDA REPUBLICA BRANCH | Avenida Republica DE EL Salvador Y, Naciones Unidas | Quito | — | Postal code not provided by source. |
| QUITO BRANCH | 18 DE Septiembre Y Juan Leon Mera, Reina Victoria | Quito | — | Postal code not provided by source. |
| SAINT HELIER BRANCH | 38 Esplanade, Jersey | Saint Helier | — | Postal code not provided by source. |
| SAN SALVADOR BRANCH | Edificio Palic Alameda Dr. Manuel E., Araujo, Calle Nueva #1 | San Salvador | — | Postal code not provided by source. |
| BETANCOURT BRANCH | Avenida Romulo Betancourt 333 | Santo Domingo | — | Postal code not provided by source. |
| AVENIDA PAULISTA BR | Avenida Paulista 1111 | Sao Paulo | — | Postal code not provided by source. |
| ASIA SQUARE MAIN OFFICE BRANCH | 8 Marina View, Asia Sq, Tower 1, #21-00 | Singapore | — | Postal code not provided by source. |
| CITI WEALTH CENTRE, ONE HOLLAND VILLAGE BRANCH | 7 Holland Village Way, #04-02 | Singapore | — | Postal code not provided by source. |
FFIEC NIC information reflects public regulatory records observed on the displayed source date. Observed dates describe when the public record was reviewed, not a real-time update.
History
Institution history
Events are listed by date. The source event type is kept with the record.
HistoryAugust 19, 2026Event dates come from the source row. The observed date is when USMI reviewed the file.
Institution history
History events from FFIEC NIC, newest first. USMI does not add a merger or failure narrative.
Institutional history
FFIEC NIC history events
21
Showing 1 through 21 of 21 history events
| Event date | Event type | Related institution |
|---|---|---|
| April 2, 2026 | Charter Discontinued (Merger or Purchase & Assumption) | CITISHARE CORPORATION |
| July 1, 2022 | Charter Discontinued (Merger or Purchase & Assumption) | DEPARTMENT STORES NATIONAL BANK |
| June 19, 2012 | Charter Discontinued (Merger or Purchase & Assumption) | CAL FED HOLDINGS, INC. |
| January 1, 2012 | Charter Discontinued (Merger or Purchase & Assumption) | CITICORP TRUST BANK, FSB |
| July 1, 2011 | Charter Discontinued (Merger or Purchase & Assumption) | CITIBANK (SOUTH DAKOTA), NATIONAL ASSOCIATION |
| January 1, 2007 | Charter Discontinued (Merger or Purchase & Assumption) | CITIBANK INTERNATIONAL |
| October 1, 2006 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| October 1, 2006 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| October 1, 2006 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| October 1, 2006 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| October 1, 2006 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| August 30, 2003 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| January 3, 2002 | Charter Discontinued (Merger or Purchase & Assumption) | UNIVERSAL CARD SERVICES CORP. |
| July 17, 2001 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| July 31, 1998 | Charter Discontinued (Merger or Purchase & Assumption) | BHN MULTIBANCO, S.A. |
| August 20, 1984 | Failure - Government Assistance Provided | GIROD TRUST COMPANY |
| June 12, 1982 | Failure - Government Assistance Provided | BANCO REGIONAL DE AHORRO DE BAYAMON |
| January 2, 1976 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| January 2, 1976 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| January 16, 1963 | Charter Discontinued (Merger or Purchase & Assumption) | FIRST NATIONAL CITY TRUST COMPANY |
| November 5, 1962 | Charter Discontinued (Merger or Purchase & Assumption) | — |
These events are shown as reported by the FFIEC NIC source and are not independent legal conclusions.
FFIEC NIC information reflects public regulatory records observed on the displayed source date. Observed dates describe when the public record was reviewed, not a real-time update.
SourcesEach source keeps its own observed date. Dates are not combined into one profile date.
Sources & methodology
Sources are shown as recorded in the published public views. Observed dates describe when a public record was reviewed, not a real-time update.
FDIC BankFind
Source reviewed2026-08-03
Limitation
FDIC fields describe the institution record USMI reviewed. They are not a recommendation or a real-time license check.
CFPB Consumer Complaint Database search
Source reviewed2026-08-03
Limitation
Complaint records are consumer submissions. A complaint is not proof of wrongdoing, and absence from this profile is not proof that no complaint exists elsewhere.
HMDA modified LAR
Source reviewed2026-08-03
Limitation
HMDA counts describe reported records for the published geography and year. They are not a quality score or a market-rank.
FFIEC NIC institution profile
Source reviewed2026-08-19
Limitation
The observed date is when USMI reviewed the public NIC record. It is not a real-time status feed.
FFIEC NIC branches
Source reviewed2026-08-19
Limitation
Branch rows are FFIEC NIC listed locations, not a consumer-facing store locator.
FFIEC NIC organizational hierarchy
Source reviewed2026-08-19
Limitation
Hierarchy rows are the FFIEC-reported structure. They are not a complete legal-ownership opinion and they are not branch locations.
FFIEC NIC institution history
Source reviewed2026-08-19
Limitation
History events are shown as reported by FFIEC NIC. USMI does not add a merger or failure narrative.