Citadel Servicing Corporation Mortgage Rates, Fees & Info

Irvine, CA

LEI: 254900E6AIE4Z8YQM970

Tax ID: 20-8006279

1 stars - out of 5 stars, based on 64 reviews

Latest/2021 | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

  • SimulatedRates™
  • Review & Overview

    Citadel Servicing Corporation is a small mortgage company specializing in Home Purchase and Cash Out Refi loans. Citadel Servicing Corporation has a high proportion of conventional loans. Their top markets by origination volume include: Los Angeles, Miami, San Francisco, Riverside, and Phoenix among others. We have data for 229 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Citadel Servicing Corporation has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Citadel Servicing Corporation is typically a high fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have relatively high rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.


    SimulatedRates™

    Mortgage Type
    Simulated Rate Simulation Date
    30 Year Conventional Purchase 8.70% 1/29/23
    30 Year Conventional Refi 7.86% 1/29/23
    30 Year Cash-out Refi 8.40% 1/29/23
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.


    Originations

    4,097

    Origination Dollar Volume (All Markets)

    $1,889,265,000

    Relative Rate

    Citadel Servicing Corporation's average 30 year fixed mortgage rate was 5.03%.

    The 2021 average 30 year fixed rate mortgage across all markets and lenders was 3.15%.

    This yields a difference of 1.88%.

    Relative Fees (Closing Costs)

    Citadel Servicing Corporation's average total fees/closing costs for a 30 year fixed rate mortgage were $13,004.

    The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $4,750.

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 434 $347,270,000 $800,161 $16,686 4.62%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 442 $180,320,000 $407,964 $14,838 5.19%
    San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 118 $99,880,000 $846,441 $17,050 4.42%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 198 $85,450,000 $431,566 $12,261 4.91%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 160 $82,670,000 $516,688 $12,571 5.00%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 271 $73,565,000 $271,458 $14,058 5.42%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 95 $70,455,000 $741,632 $14,644 4.43%
    LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 123 $50,825,000 $413,211 $11,826 4.98%
    Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 79 $48,755,000 $617,152 $15,126 5.03%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 81 $43,985,000 $543,025 $15,155 6.22%
    SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 49 $41,875,000 $854,592 $13,437 4.58%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 132 $38,850,000 $294,318 $10,863 4.93%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 78 $37,840,000 $485,128 $13,239 4.81%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 91 $35,965,000 $395,220 $14,602 4.95%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 113 $30,745,000 $272,080 $9,803 5.34%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 71 $26,725,000 $376,408 $11,670 5.16%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 82 $26,540,000 $323,659 $10,979 5.20%
    PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 53 $25,595,000 $482,925 $12,206 4.82%
    SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 60 $25,150,000 $419,167 $10,060 4.91%
    BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 35 $17,705,000 $505,857 $14,400 4.92%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 34 $17,620,000 $518,235 $10,598 5.03%
    Heber, UT (FHA|USDA|VA) 48 $17,160,000 $357,500 $8,745 5.01%
    SALT LAKE CITY, UT (FHA|USDA|VA) 36 $16,710,000 $464,167 $11,001 4.87%
    Outside of Metro Areas 45 $16,705,000 $371,222 $10,209 5.41%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 49 $13,955,000 $284,796 $11,755 5.36%
    SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 13 $11,305,000 $869,615 $14,591 4.73%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 30 $11,030,000 $367,667 $16,778 5.26%
    OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 19 $11,025,000 $580,263 $14,189 4.89%
    BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 23 $10,915,000 $474,565 $12,990 5.27%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 20 $10,710,000 $535,500 $17,147 5.20%
    PANAMA CITY, FL (FHA|USDA|VA) 34 $10,490,000 $308,529 $10,998 5.06%
    MODESTO, CA (FHA|USDA|VA) 23 $9,705,000 $421,957 $10,687 4.87%
    SALINAS, CA (FHA|USDA|VA) 8 $9,670,000 $1,208,750 $24,892 4.77%
    PROVO-OREM, UT (FHA|USDA|VA) 16 $9,060,000 $566,250 $11,903 4.61%
    STOCKTON, CA (FHA|USDA|VA) 20 $8,580,000 $429,000 $12,415 5.18%
    RENO, NV (FHA|USDA|VA) 13 $8,515,000 $655,000 $12,602 5.34%
    Key West, FL (FHA|USDA|VA) 13 $7,655,000 $588,846 $19,924 5.24%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 29 $7,535,000 $259,828 $13,973 5.18%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 21 $7,505,000 $357,381 $10,096 4.70%
    ST. GEORGE, UT (FHA|USDA|VA) 13 $7,295,000 $561,154 $10,858 4.37%
    SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 9 $7,005,000 $778,333 $17,408 5.57%
    SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 12 $6,900,000 $575,000 $11,322 4.35%
    BOISE CITY, ID (FHA|USDA|VA) 17 $6,625,000 $389,706 $11,787 4.98%
    PORT ST. LUCIE, FL (FHA|USDA|VA) 25 $6,625,000 $265,000 $9,963 5.29%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 23 $6,455,000 $280,652 $11,011 5.23%
    JACKSONVILLE, FL (FHA|USDA|VA) 24 $6,180,000 $257,500 $10,399 5.10%
    Glenwood Springs, CO (FHA|USDA|VA) 1 $6,005,000 $6,005,000 $104,040 5.50%
    VALLEJO, CA (FHA|USDA|VA) 13 $5,785,000 $445,000 $10,265 4.79%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 31 $5,485,000 $176,935 $7,712 5.57%
    Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 19 $5,195,000 $273,421 $7,018 5.26%
    SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 9 $5,175,000 $575,000 $11,003 4.57%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 19 $5,155,000 $271,316 $13,539 5.12%
    Truckee-Grass Valley, CA (FHA|USDA|VA) 10 $4,930,000 $493,000 $12,851 4.60%
    Gardnerville Ranchos, NV (FHA|USDA|VA) 5 $4,875,000 $975,000 $28,442 5.52%
    LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 17 $4,795,000 $282,059 $13,416 4.98%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 19 $4,695,000 $247,105 $8,382 5.05%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 14 $4,240,000 $302,857 $9,927 5.44%
    OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 10 $4,150,000 $415,000 $9,697 4.60%
    TRENTON-PRINCETON, NJ (FHA|USDA|VA) 5 $4,025,000 $805,000 $8,655 5.55%
    FRESNO, CA (FHA|USDA|VA) 13 $3,895,000 $299,615 $8,943 4.83%
    OKLAHOMA CITY, OK (FHA|USDA|VA) 10 $3,870,000 $387,000 $28,562 4.25%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 18 $3,790,000 $210,556 $9,647 5.42%
    MERCED, CA (FHA|USDA|VA) 15 $3,725,000 $248,333 $8,088 4.96%
    Astoria, OR (FHA|USDA|VA) 8 $3,720,000 $465,000 $12,350 4.48%
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 12 $3,510,000 $292,500 $9,361 4.99%
    NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 5 $3,335,000 $667,000 $23,607 5.90%
    WENATCHEE, WA (FHA|USDA|VA) 3 $3,315,000 $1,105,000 $8,663 3.42%
    TUCSON, AZ (FHA|USDA|VA) 14 $3,280,000 $234,286 $8,380 5.37%
    SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 7 $3,275,000 $467,857 $14,075 4.95%
    NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 14 $3,250,000 $232,143 $10,227 5.21%
    SALEM, OR (FHA|USDA|VA) 9 $3,245,000 $360,556 $11,081 4.78%
    BAKERSFIELD, CA (FHA|USDA|VA) 14 $3,210,000 $229,286 $7,666 5.44%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 8 $2,970,000 $371,250 $4,706 5.28%
    RALEIGH-CARY, NC (FHA|USDA|VA) 8 $2,920,000 $365,000 $7,782 4.84%
    Edwards, CO (FHA|USDA|VA) 5 $2,755,000 $551,000 $17,314 5.25%
    KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) 4 $2,700,000 $675,000 $0 4.81%
    BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 5 $2,605,000 $521,000 $11,481 4.02%
    NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) 8 $2,590,000 $323,750 $6,778 5.06%
    COLORADO SPRINGS, CO (FHA|USDA|VA) 9 $2,585,000 $287,222 $9,647 4.90%
    OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 6 $2,420,000 $403,333 $14,107 4.94%
    EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 6 $2,380,000 $396,667 $8,873 5.77%
    KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 7 $2,365,000 $337,857 $10,154 4.77%
    PUNTA GORDA, FL (FHA|USDA|VA) 7 $2,355,000 $336,429 $13,528 5.21%
    Sevierville, TN (FHA|USDA|VA) 5 $2,195,000 $439,000 $8,971 6.18%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 7 $2,175,000 $310,714 $6,812 5.36%
    Breckenridge, CO (FHA|USDA|VA) 3 $2,145,000 $715,000 $11,002 4.46%
    NAPA, CA (FHA|USDA|VA) 4 $2,140,000 $535,000 $13,945 4.66%
    Outside of Metro Areas 5 $2,035,000 $407,000 $13,512 5.45%
    BOULDER, CO (FHA|USDA|VA) 4 $2,030,000 $507,500 $14,151 4.88%
    MEDFORD, OR (FHA|USDA|VA) 5 $1,995,000 $399,000 $11,372 4.40%
    SALISBURY, MD-DE (FHA|USDA|VA) 5 $1,945,000 $389,000 $10,376 4.82%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 6 $1,910,000 $318,333 $14,612 5.52%
    CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 5 $1,905,000 $381,000 $10,511 5.15%
    HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 8 $1,870,000 $233,750 $9,809 5.61%
    SAVANNAH, GA (FHA|USDA|VA) 7 $1,745,000 $249,286 $7,543 4.79%
    Newport, OR (FHA|USDA|VA) 3 $1,705,000 $568,333 $9,645 4.58%
    ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 3 $1,645,000 $548,333 $7,951 5.54%
    DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 5 $1,635,000 $327,000 $11,868 5.38%
    PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 5 $1,595,000 $319,000 $8,450 4.87%
    URBAN HONOLULU, HI (FHA|USDA|VA) 4 $1,580,000 $395,000 $0 4.75%
    MADERA, CA (FHA|USDA|VA) 4 $1,580,000 $395,000 $12,034 4.19%
    MISSOULA, MT (FHA|USDA|VA) 3 $1,575,000 $525,000 $0 6.04%
    LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) 4 $1,560,000 $390,000 $7,864 5.09%
    Ellensburg, WA (FHA|USDA|VA) 3 $1,555,000 $518,333 $4,745 4.87%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 5 $1,445,000 $289,000 $9,241 5.20%
    Torrington, CT (FHA|USDA|VA) 5 $1,365,000 $273,000 $12,283 5.15%
    BEND, OR (FHA|USDA|VA) 2 $1,340,000 $670,000 $24,732 5.25%
    NORWICH-NEW LONDON, CT (FHA|USDA|VA) 1 $1,325,000 $1,325,000 $23,614 6.00%
    LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 2 $1,310,000 $655,000 $32,606 4.75%
    OCALA, FL (FHA|USDA|VA) 7 $1,275,000 $182,143 $10,068 5.21%
    PITTSBURGH, PA (FHA|USDA|VA) 5 $1,185,000 $237,000 $7,179 4.95%
    COLUMBUS, OH (FHA|USDA|VA) 5 $1,185,000 $237,000 $0 5.70%
    GREELEY, CO (FHA|USDA|VA) 4 $1,170,000 $292,500 $11,133 4.59%
    REDDING, CA (FHA|USDA|VA) 3 $1,105,000 $368,333 $14,482 5.58%
    Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 3 $1,095,000 $365,000 $9,945 4.67%
    RICHMOND, VA (FHA|USDA|VA) 5 $1,085,000 $217,000 $7,986 5.50%
    MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 4 $1,080,000 $270,000 $4,994 4.75%
    CORVALLIS, OR (FHA|USDA|VA) 2 $1,010,000 $505,000 $12,581 4.75%
    ST. LOUIS, MO-IL (FHA|USDA|VA) 3 $965,000 $321,667 $8,788 4.63%
    CORPUS CHRISTI, TX (FHA|USDA|VA) 5 $955,000 $191,000 $7,199 4.20%
    CARSON CITY, NV (FHA|USDA|VA) 2 $940,000 $470,000 $14,237 5.44%
    HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 4 $870,000 $217,500 $8,669 6.19%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 3 $855,000 $285,000 $6,368 5.25%
    FLAGSTAFF, AZ (FHA|USDA|VA) 3 $845,000 $281,667 $6,430 6.67%
    KNOXVILLE, TN (FHA|USDA|VA) 4 $790,000 $197,500 $9,080 5.69%
    IDAHO FALLS, ID (FHA|USDA|VA) 4 $790,000 $197,500 $5,832 4.84%
    CHARLOTTESVILLE, VA (FHA|USDA|VA) 1 $785,000 $785,000 $15,061 4.00%
    TWIN FALLS, ID (FHA|USDA|VA) 2 $780,000 $390,000 $13,659 4.69%
    BELLINGHAM, WA (FHA|USDA|VA) 2 $760,000 $380,000 $12,670 5.06%
    KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 3 $745,000 $248,333 $0 5.13%
    ANN ARBOR, MI (FHA|USDA|VA) 3 $705,000 $235,000 $5,614 5.00%
    LONGVIEW, WA (FHA|USDA|VA) 2 $700,000 $350,000 $9,876 5.63%
    COLUMBIA, SC (FHA|USDA|VA) 2 $700,000 $350,000 $10,074 5.69%
    WINCHESTER, VA-WV (FHA|USDA|VA) 3 $685,000 $228,333 $7,734 5.83%
    Holland, MI (FHA|USDA|VA) 1 $675,000 $675,000 $18,576 4.88%
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 2 $660,000 $330,000 $7,790 4.44%
    JACKSONVILLE, NC (FHA|USDA|VA) 1 $655,000 $655,000 $0 4.88%
    Port Angeles, WA (FHA|USDA|VA) 1 $645,000 $645,000 $23,153 4.50%
    BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 3 $645,000 $215,000 $5,331 5.04%
    Sheridan, WY (FHA|USDA|VA) 1 $615,000 $615,000 $10,440 4.00%
    BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 3 $615,000 $205,000 $8,870 5.21%
    EL CENTRO, CA (FHA|USDA|VA) 3 $605,000 $201,667 $0 4.79%
    Clearlake, CA (FHA|USDA|VA) 2 $590,000 $295,000 $8,560 4.44%
    THE VILLAGES, FL (FHA|USDA|VA) 3 $565,000 $188,333 $0 4.75%
    PUEBLO, CO (FHA|USDA|VA) 3 $555,000 $185,000 $10,281 5.29%
    Crescent City, CA (FHA|USDA|VA) 1 $555,000 $555,000 $0 5.00%
    Cookeville, TN (FHA|USDA|VA) 1 $555,000 $555,000 $14,720 3.50%
    MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 2 $540,000 $270,000 $9,405 4.69%
    EAST STROUDSBURG, PA (FHA|USDA|VA) 2 $530,000 $265,000 $9,271 5.38%
    OCEAN CITY, NJ (FHA|USDA|VA) 2 $530,000 $265,000 $11,660 4.50%
    Eureka-Arcata, CA (FHA|USDA|VA) 1 $525,000 $525,000 $0 5.25%
    LOGAN, UT-ID (FHA|USDA|VA) 2 $510,000 $255,000 $6,973 4.31%
    Mount Pleasant, MI (FHA|USDA|VA) 4 $490,000 $122,500 $2,985 5.41%
    Shelton, WA (FHA|USDA|VA) 3 $465,000 $155,000 $6,236 5.04%
    MEMPHIS, TN-MS-AR (FHA|USDA|VA) 3 $465,000 $155,000 $4,710 5.29%
    MIDLAND, TX (FHA|USDA|VA) 1 $455,000 $455,000 $4,413 7.88%
    Hilo, HI (FHA|USDA|VA) 1 $445,000 $445,000 $0 7.00%
    MONTGOMERY, AL (FHA|USDA|VA) 1 $445,000 $445,000 $9,430 3.13%
    SHERMAN-DENISON, TX (FHA|USDA|VA) 1 $445,000 $445,000 $19,145 5.13%
    CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 2 $440,000 $220,000 $6,612 6.62%
    MADISON, WI (FHA|USDA|VA) 1 $435,000 $435,000 $14,408 5.13%
    Prineville, OR (FHA|USDA|VA) 2 $430,000 $215,000 $0 5.56%
    Aberdeen, WA (FHA|USDA|VA) 3 $405,000 $135,000 $0 5.88%
    VISALIA, CA (FHA|USDA|VA) 2 $400,000 $200,000 $0 5.00%
    LONGVIEW, TX (FHA|USDA|VA) 1 $375,000 $375,000 $13,487 5.13%
    POCATELLO, ID (FHA|USDA|VA) 2 $360,000 $180,000 $9,135 5.31%
    GADSDEN, AL (FHA|USDA|VA) 1 $355,000 $355,000 $11,969 5.63%
    SEBRING-AVON PARK, FL (FHA|USDA|VA) 2 $330,000 $165,000 $6,688 5.56%
    ALBANY-LEBANON, OR (FHA|USDA|VA) 1 $325,000 $325,000 $4,505 6.75%
    ABILENE, TX (FHA|USDA|VA) 1 $325,000 $325,000 $0 5.25%
    GAINESVILLE, FL (FHA|USDA|VA) 2 $320,000 $160,000 $5,487 4.75%
    FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 2 $310,000 $155,000 $7,366 4.88%
    BLOOMINGTON, IN (FHA|USDA|VA) 2 $310,000 $155,000 $0 5.25%
    HANFORD-CORCORAN, CA (FHA|USDA|VA) 1 $305,000 $305,000 $8,834 4.00%
    SHEBOYGAN, WI (FHA|USDA|VA) 1 $305,000 $305,000 $5,395 4.00%
    DOVER, DE (FHA|USDA|VA) 1 $305,000 $305,000 $13,223 4.88%
    WINSTON-SALEM, NC (FHA|USDA|VA) 1 $285,000 $285,000 $12,072 7.38%
    WILMINGTON, NC (FHA|USDA|VA) 2 $270,000 $135,000 $5,708 5.37%
    HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 2 $270,000 $135,000 $7,945 6.81%
    Wilson, NC (FHA|USDA|VA) 1 $265,000 $265,000 $5,818 5.63%
    YAKIMA, WA (FHA|USDA|VA) 1 $255,000 $255,000 $9,548 4.88%
    GREEN BAY, WI (FHA|USDA|VA) 1 $245,000 $245,000 $3,326 5.50%
    Ontario, OR-ID (FHA|USDA|VA) 1 $245,000 $245,000 $7,295 4.13%
    Easton, MD (FHA|USDA|VA) 1 $245,000 $245,000 $5,694 4.50%
    Jefferson, GA (FHA|USDA|VA) 1 $235,000 $235,000 $0 4.38%
    BATTLE CREEK, MI (FHA|USDA|VA) 1 $235,000 $235,000 $4,836 6.63%
    FAYETTEVILLE, NC (FHA|USDA|VA) 1 $225,000 $225,000 $9,652 5.13%
    Malvern, AR (FHA|USDA|VA) 1 $225,000 $225,000 $9,659 4.88%
    Payson, AZ (FHA|USDA|VA) 1 $225,000 $225,000 $9,316 5.13%
    DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 1 $225,000 $225,000 $5,494 3.38%
    Ludington, MI (FHA|USDA|VA) 1 $215,000 $215,000 $4,980 5.25%
    YUMA, AZ (FHA|USDA|VA) 1 $215,000 $215,000 $0 4.63%
    FORT COLLINS, CO (FHA|USDA|VA) 1 $215,000 $215,000 $0 4.25%
    MUNCIE, IN (FHA|USDA|VA) 2 $200,000 $100,000 $0 5.13%
    Lake City, FL (FHA|USDA|VA) 1 $195,000 $195,000 $0 5.50%
    GRAND JUNCTION, CO (FHA|USDA|VA) 1 $195,000 $195,000 $6,518 5.63%
    HOUMA-THIBODAUX, LA (FHA|USDA|VA) 1 $185,000 $185,000 $5,503 7.38%
    Georgetown, SC (FHA|USDA|VA) 1 $185,000 $185,000 $0 5.50%
    EL PASO, TX (FHA|USDA|VA) 1 $185,000 $185,000 $0 5.88%
    Sonora, CA (FHA|USDA|VA) 1 $185,000 $185,000 $0 5.38%
    Alice, TX (FHA|USDA|VA) 1 $185,000 $185,000 $0 5.13%
    HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 1 $185,000 $185,000 $8,447 3.25%
    TALLAHASSEE, FL (FHA|USDA|VA) 1 $185,000 $185,000 $0 4.13%
    ALBUQUERQUE, NM (FHA|USDA|VA) 1 $175,000 $175,000 $8,382 4.63%
    KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 1 $175,000 $175,000 $6,530 5.25%
    Seneca, SC (FHA|USDA|VA) 1 $165,000 $165,000 $0 5.75%
    WACO, TX (FHA|USDA|VA) 1 $165,000 $165,000 $7,115 6.88%
    Weatherford, OK (FHA|USDA|VA) 1 $155,000 $155,000 $0 5.25%
    CLEVELAND, TN (FHA|USDA|VA) 1 $155,000 $155,000 $0 5.88%
    GREAT FALLS, MT (FHA|USDA|VA) 1 $155,000 $155,000 $5,188 3.50%
    Kapaa, HI (FHA|USDA|VA) 1 $155,000 $155,000 $0 4.25%
    KILLEEN-TEMPLE, TX (FHA|USDA|VA) 1 $145,000 $145,000 $0 4.63%
    Calhoun, GA (FHA|USDA|VA) 1 $145,000 $145,000 $2,182 5.13%
    YORK-HANOVER, PA (FHA|USDA|VA) 1 $145,000 $145,000 $8,188 6.00%
    BOWLING GREEN, KY (FHA|USDA|VA) 1 $135,000 $135,000 $6,550 7.25%
    Traverse City, MI (FHA|USDA|VA) 1 $125,000 $125,000 $6,374 4.25%
    ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 1 $125,000 $125,000 $8,210 6.25%
    GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 1 $125,000 $125,000 $4,210 6.00%
    SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 1 $115,000 $115,000 $5,264 4.13%
    Rexburg, ID (FHA|USDA|VA) 1 $115,000 $115,000 $0 6.25%
    LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 1 $115,000 $115,000 $0 6.13%
    BRUNSWICK, GA (FHA|USDA|VA) 1 $115,000 $115,000 $0 4.88%
    Cordele, GA (FHA|USDA|VA) 1 $105,000 $105,000 $4,740 6.13%
    GOLDSBORO, NC (FHA|USDA|VA) 1 $105,000 $105,000 $0 5.38%
    Roseburg, OR (FHA|USDA|VA) 1 $105,000 $105,000 $0 5.13%
    MIDLAND, MI (FHA|USDA|VA) 1 $105,000 $105,000 $0 6.63%
    HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 1 $105,000 $105,000 $0 4.63%
    HOT SPRINGS, AR (FHA|USDA|VA) 1 $105,000 $105,000 $3,475 5.25%
    TULSA, OK (FHA|USDA|VA) 1 $95,000 $95,000 $0 5.25%
    Citadel Servicing Corporation's top markets include Los Angeles, Miami, San Francisco, Riverside, and Phoenix among others.

    Their top states include:
  • California (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
  • Arizona (FHA|USDA|VA)
  • Washington (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 4,097 $1,889,265,000 $461,134 $13,017 5.03%

    For 2021, Citadel Servicing Corporation's most frequently originated type of loan was Conventional, with 4,097 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 2,327 $1,009,955,000 $434,016 $13,344 5.21%
    Cash Out Refi 1,330 $647,580,000 $486,902 $12,773 4.90%
    Refi 440 $231,730,000 $526,659 $12,448 4.46%

    For 2021, Citadel Servicing Corporation's most frequently cited loan purpose was Home Purchase, with 2,327 originations. The 2nd most popular reason was Cash Out Refi, with 1,330 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 4,094 $1,886,750,000 $460,857 $13,004 5.03%
    Other 2 $530,000 $265,000 $0 0.00%
    30+ year 1 $1,985,000 $1,985,000 $40,449 3.50%

    For 2021, Citadel Servicing Corporation's most frequently cited loan duration was 30 Year, with 4,094 originations. The 2nd most popular length was Other, with 2 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $5k+ 1,673 $1,012,655,000 $605,293
    $4k-5k 154 $35,820,000 $232,597
    $1k-2k 150 $93,330,000 $622,200
    $3k-4k 96 $18,740,000 $195,208
    $2k-3k 53 $12,595,000 $237,642
    $<1k 33 $18,705,000 $566,818

    Citadel Servicing Corporation's average total fees were $13,004, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 1,673 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 1,729 $791,585,000 $457,828
    5-6% 1,223 $516,035,000 $421,942
    3-4% 577 $360,815,000 $625,329
    6-7% 443 $162,635,000 $367,122
    7-8% 87 $28,085,000 $322,816
    2.5-3% 15 $16,705,000 $1,113,667
    Over 8% 14 $7,030,000 $502,143
    <2.5% 4 $3,090,000 $772,500

    During 2021, Citadel Servicing Corporation's average interest rate for loans was 5.03%, while their most frequently originated rate bucket for loans was 4-5%, with 1,729 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 1,634 $468,120,000 $286,487 $9,560 5.05%
    $100k-200k 852 $131,090,000 $153,862 $6,854 5.30%
    $400k-600k 685 $333,635,000 $487,058 $12,387 4.94%
    $600k-1MM 549 $418,745,000 $762,741 $15,957 4.71%
    $1MM+ 357 $535,825,000 $1,500,910 $26,351 4.89%
    $100,000 or less 20 $1,850,000 $92,500 $4,803 5.90%

    2021 saw Citadel Servicing Corporation place emphasis on $200k-400k loans with 1,634 originations, totaling $468,120,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 1,750 $610,280,000 $348,731 $10,030 5.14%
    $250k+ 804 $695,310,000 $864,813 $17,662 4.79%
    $150k-250k 429 $213,675,000 $498,077 $12,421 4.86%
    $100k-150k 418 $152,290,000 $364,330 $10,343 4.87%
    $75k-100k 238 $70,060,000 $294,370 $9,369 4.91%
    $50k-75k 228 $53,650,000 $235,307 $8,469 4.96%

    Citadel Servicing Corporation lent most frequently to those with incomes in the $50k or less range, with 1,750 originations. The second most popular income band? $250k+, with 804 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    <20% 2,082 $877,280,000 $421,364 $14,617 5.13%
    20-30% 442 $225,280,000 $509,683 $11,766 4.75%
    30-36% 354 $197,580,000 $558,136 $12,909 4.90%
    >60% 221 $65,195,000 $295,000 $4,785 5.08%
    49% 81 $42,585,000 $525,741 $12,401 5.04%
    43% 76 $35,960,000 $473,158 $11,656 4.96%
    48% 76 $37,550,000 $494,079 $12,952 4.98%
    42% 74 $43,960,000 $594,054 $14,224 4.73%
    44% 70 $35,780,000 $511,143 $11,431 4.89%
    38% 69 $34,445,000 $499,203 $13,114 4.79%
    36% 67 $31,955,000 $476,940 $13,391 4.80%
    39% 63 $30,995,000 $491,984 $12,069 4.68%
    47% 63 $33,875,000 $537,698 $12,031 4.79%
    41% 62 $31,490,000 $507,903 $12,016 4.86%
    46% 61 $25,975,000 $425,820 $12,240 5.10%
    50-60% 58 $31,500,000 $543,103 $12,881 4.98%
    37% 57 $32,745,000 $574,474 $14,569 4.78%
    40% 54 $34,330,000 $635,741 $13,416 5.09%
    45% 52 $30,470,000 $585,962 $14,156 4.77%

    Citadel Servicing Corporation lent most frequently to those with DTI ratios of <20%, with 2,082 originations. The next most common DTI ratio? 20-30%, with 442 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 2,371 $1,085,435,000 $457,796 $13,021 5.03%
    Not provided 844 $403,240,000 $477,773 $12,572 4.98%
    Asian 487 $237,215,000 $487,094 $13,630 4.77%
    Black 200 $76,620,000 $383,100 $13,332 5.26%
    Not applicable 128 $56,980,000 $445,156 $13,731 5.90%
    American Indian 26 $9,630,000 $370,385 $12,652 5.19%
    Native Hawaiian or Islander 13 $5,605,000 $431,154 $13,170 5.14%
    Chinese 13 $4,615,000 $355,000 $7,881 4.52%
    Asian Indian 5 $4,015,000 $803,000 $20,065 5.68%
    Other Asian 3 $2,285,000 $761,667 $22,821 4.83%
    Filipino 2 $1,730,000 $865,000 $0 4.13%
    Vietnamese 4 $1,580,000 $395,000 $8,085 5.44%
    Guamanian 1 $315,000 $315,000 $0 5.50%

    Approval Rates

    Total approvals of all applications
    95.30%

    Citadel Servicing Corporation has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

    Pick Rate

    Approvals leading to origination
    22.92%

    Citadel Servicing Corporation has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 4,097 $1,889,265,000 $461,134

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    4,097 $1,889,265,000 $461,134

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 165 $75,035,000 $454,758 $11,455 4.26%
    40-60% 750 $379,310,000 $505,747 $12,466 4.49%
    60-80% 2,731 $1,209,085,000 $442,726 $13,313 5.16%
    80-100% 437 $219,435,000 $502,140 $13,379 5.26%
    Over 100% 1 $2,785,000 $2,785,000 $0 90.00%
    Under 20% 11 $3,085,000 $280,455 $8,218 4.44%