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CIT BANK, NATIONAL ASSOCIATION

BANK
Data last verified: May 2026 snapshot|21 federal data sources|Methodology ›
NOT YET RATED

Not Yet Rated — insufficient data for a confidence-scored complaint rate.

CIT BANK, NATIONAL ASSOCIATION is tracked across 21 federal data sources but does not yet have a confidence-scored complaint rate in the current snapshot. A normalised rate requires a matched FDIC deposit denominator (or equivalent customer-count proxy) and sufficient complaint volume — this institution does not currently meet both criteria.

The complaint volume, enforcement record, and financial health indicators below reflect real federal data. Methodology expansion for non-depository institutions is rolling out in Q2 2026.

TOTAL COMPLAINTS
2,156
TIMELY RESPONSE
94.5%
RESOLUTION QUALITY
15/100
2 / 6 AGENCIES
Federal Consensus ScoreⓘNumber of the 6 tracked federal agencies (OCC, CFPB, Federal Reserve, FTC, DOJ, NCUA) that have independently flagged this institution with a formal enforcement action.
Limited data — not yet fully scored

2,156 federal complaints filed since 2011 · Data current as of May 2026

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Complaint Coach
File with CFPB
Federal data sources
CFPBOCCFDICFTCFederal ReserveFinCENHUDDOJNCUATreasuryFFIECFHFA
Independent analysis · not affiliated with any government agency
WHAT THIS STATUS MEANS

No per-1,000-customer complaint rate is yet available for this institution.

The per-1,000-customer rate combines CFPB complaint volume with FDIC deposit data. Institutions that haven't surfaced in CFPB filings — or whose volume falls below the threshold for stable calculation — show as not yet rated. This is a data-coverage gap, not a verdict: unrated does not mean better or worse than rated peers.

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Federal source records below show what's already available for this institution. A complaint rate is computed once filing volume crosses the threshold for stable per-1,000 calculation.

Most common words in federal complaints about CIT BANK, NATIONAL ASSOCIATION
homepropertyfreedombecauseforeclosurepaymodificationonewestmoneyhouse
Extracted from 299 consumer complaint narratives · CFPB database
FULL RECORD
Complaint Profile
Total complaints (2011–2025)ⓘTotal complaints filed with the CFPB since 2011.2,156
Timely response rateⓘ% of CFPB complaints answered within the required timeframe. Below 90% indicates the institution is failing basic regulatory obligations.94.5%
Normalised complaint rate per 1,000 customers is not currently available for this institution. Methodology expansion for non-depository institutions rolling out Q2 2026.
Regulatory Enforcement Record
OCC (Office of the Comptroller)$83K
Federal ReserveCivil Money Penalty, $5,200,000
CFPB (Consumer Financial)
FinCEN (Anti-money laundering)
FTC (Federal Trade Commission)
HUD (Mortgage Review Board)
GSE Suspension
● Red dot = active or recent enforcement action by that federal agency. This means regulators found systemic problems serious enough to take formal action.
Financial Health Indicators
Net charge-off rateⓘLoans written off as unrecoverable as a % of total loans. Above 2% is elevated; above 1% warrants monitoring. Source: FDIC Call Report Q4 2025.0.09%✓ healthy
Tier 1 capital ratioⓘCore capital as a % of risk-weighted assets. Regulatory minimum ≈10%. Higher means a stronger buffer against losses and financial stress.16.2%✓ adequate buffer
Loan loss reserve ratioⓘFunds set aside to cover anticipated loan losses. Higher reserves suggest the institution expects deteriorating credit quality ahead.0.99%
FDIC Call Report data · Q4 2025. NCO rate = loans written off as unrecoverable. Tier 1 = core capital buffer against losses (regulatory minimum ≈ 10%).
HMDA Mortgage Fair Lending· 2023
Mortgage denial rateⓘOverall mortgage application denial rate. Source: FFIEC HMDA data.13.0%
Denial rate — White applicants8.2%
Denial rate — Black applicants28.2%
Denial rate — Hispanic applicants21.9%
Racial disparity indexⓘBlack applicant denial rate divided by White applicant denial rate. 1.0 = equal treatment. Above 1.5 = significant disparity flagged in fair lending research.3.43×↑ disparity above 2.0× — regulatory scrutiny territory
Based on 1,782 mortgage applications· FFIEC HMDA 2023
Top Complaint Categories
Loan modification,collection,foreclosure4450%
Loan servicing, payments, escrow account1680%
Managing an account480%
Breakdown of complaint types filed with the CFPB by customers of this institution.
Methodological notes
✓ No risk flags identified across 21 data sources. This institution has no recorded government bailouts, regulatory enforcement, GSE suspensions, or federal litigation.
Institution Status
No DNA profile signals computed for this institution.
FULL DATA BREAKDOWN
TOTAL COMPLAINTS
2,156
2011–2025 · CFPB database
Source: CFPB →
TIMELY RESPONSE RATE
94.5%
Threshold: 90%+
Source: CFPB →
NET CHARGE-OFF RATEⓘLoans written off as unrecoverable as a % of total loans.
0.09%
Loan losses written off
Source: FDIC Call Report →
TIER 1 CAPITAL RATIOⓘCore capital as a % of risk-weighted assets. Regulatory minimum ≈10%.
16.2%
Regulatory min ≈ 10%
Source: FDIC Call Report →
HMDA DENIAL RATEⓘ% of mortgage applications denied under Home Mortgage Disclosure Act data.
13.0%
Mortgage applications denied
Source: FFIEC HMDA →
RACIAL DISPARITY INDEXⓘRatio of denial rates for non-white vs white applicants.
3.43×
Non-white vs white denial ratio
Source: FFIEC HMDA →
CRA RATING
Outstanding
Community Reinvestment Act · FFIEC
RESOLUTION QUALITY
15/100
Response quality score · CFPB
Source: CFPB →
Data from CFPB, OCC, Federal Reserve, FDIC, FinCEN, DOJ, FHFA, HUD, US Treasury, FFIEC and FTC public records. Complaint rates normalised per 1,000 estimated customers. Not financial advice. Methodology › · Privacy ›