Citadel Servicing Corporation Mortgage Rates, Fees & Info

Irvine, CA

LEI: 254900E6AIE4Z8YQM970

Tax ID: 20-8006279

1 stars - Updated: 11/11/24

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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: Miami, Los Angeles, New York, Las Vegas, and Riverside among others. We have data for 329 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	8.92%	11/11/24
30 Year Conventional Refi	8.42%	11/11/24
30 Year Cash-out Refi	8.86%	11/11/24
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.

Citadel Servicing Corporation Mortgage Calculator

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This is not an official calculator from Citadel Servicing Corporation. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.

Originations

4,669

Origination Dollar Volume (All Markets)

$2,126,445,000

Relative Rate

Citadel Servicing Corporation's average 30 year fixed mortgage rate was 9.02%.

The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.

This yields a difference of 2.54%.

Relative Fees (Closing Costs)

Citadel Servicing Corporation's average total fees/closing costs for a 30 year fixed rate mortgage were $15,672.

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 $9,089.

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
Miami-Fort Lauderdale-Pompano Beach, FL (FHA\|USDA\|VA)	481	$239,585,000	$498,098	$19,645	8.86%
Los Angeles-Long Beach-Anaheim, CA (FHA\|USDA\|VA)	235	$229,845,000	$978,064	$23,252	8.43%
New York-Newark-Jersey City, NY-NJ-PA (FHA\|USDA\|VA)	199	$109,195,000	$548,719	$15,415	9.12%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA\|USDA\|VA)	164	$79,000,000	$481,707	$15,974	8.69%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA\|USDA\|VA)	138	$61,400,000	$444,928	$15,305	8.83%
PHOENIX-MESA-CHANDLER, AZ (FHA\|USDA\|VA)	100	$58,800,000	$588,000	$16,431	8.82%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA\|USDA\|VA)	168	$56,090,000	$333,869	$16,039	9.14%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA\|USDA\|VA)	171	$53,595,000	$313,421	$13,749	8.97%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA\|USDA\|VA)	65	$52,665,000	$810,231	$21,485	8.40%
Dallas-Fort Worth-Arlington, TX (FHA\|USDA\|VA)	119	$52,475,000	$440,966	$14,421	9.06%
San Francisco-Oakland-Berkeley, CA (FHA\|USDA\|VA)	61	$52,015,000	$852,705	$21,468	8.23%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA\|USDA\|VA)	64	$39,320,000	$614,375	$22,611	9.29%
Chicago-Naperville-Elgin, IL-IN-WI (FHA\|USDA\|VA)	140	$37,420,000	$267,286	$10,557	9.32%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA\|USDA\|VA)	105	$37,185,000	$354,143	$13,288	9.16%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA\|USDA\|VA)	104	$36,400,000	$350,000	$13,601	9.23%
Seattle-Tacoma-Bellevue, WA (FHA\|USDA\|VA)	55	$33,635,000	$611,545	$14,468	8.72%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA\|USDA\|VA)	32	$31,330,000	$979,063	$15,297	8.30%
URBAN HONOLULU, HI (FHA\|USDA\|VA)	48	$28,850,000	$601,042	$14,909	8.88%
CAPE CORAL-FORT MYERS, FL (FHA\|USDA\|VA)	53	$27,605,000	$520,849	$18,686	9.15%
Outside of Metro Areas	81	$27,335,000	$337,469	$10,942	9.24%
KAHULUI-WAILUKU-LAHAINA, HI (FHA\|USDA\|VA)	29	$26,665,000	$919,483	$25,097	8.82%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA\|USDA\|VA)	49	$24,565,000	$501,327	$15,730	8.82%
CHARLESTON-NORTH CHARLESTON, SC (FHA\|USDA\|VA)	52	$23,790,000	$457,500	$17,494	10.12%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA\|USDA\|VA)	56	$22,570,000	$403,036	$15,975	9.29%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA\|USDA\|VA)	74	$17,790,000	$240,405	$13,073	9.87%
LAKELAND-WINTER HAVEN, FL (FHA\|USDA\|VA)	57	$17,685,000	$310,263	$13,964	9.08%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA\|USDA\|VA)	32	$17,450,000	$545,313	$12,664	8.87%
PROVO-OREM, UT (FHA\|USDA\|VA)	14	$16,660,000	$1,190,000	$26,471	8.69%
DENVER-AURORA-LAKEWOOD, CO (FHA\|USDA\|VA)	34	$15,790,000	$464,412	$13,394	8.91%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA\|USDA\|VA)	18	$15,140,000	$841,111	$16,469	8.83%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA\|USDA\|VA)	18	$15,050,000	$836,111	$21,437	8.43%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA\|USDA\|VA)	86	$14,330,000	$166,628	$9,100	9.35%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA\|USDA\|VA)	23	$14,065,000	$611,522	$21,165	9.14%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA\|USDA\|VA)	24	$13,940,000	$580,833	$14,681	8.53%
JACKSONVILLE, FL (FHA\|USDA\|VA)	43	$13,775,000	$320,349	$13,967	9.21%
SANTA MARIA-SANTA BARBARA, CA (FHA\|USDA\|VA)	13	$13,325,000	$1,025,000	$15,411	8.32%
Hilo, HI (FHA\|USDA\|VA)	18	$12,780,000	$710,000	$17,332	8.67%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA\|USDA\|VA)	32	$12,730,000	$397,813	$16,459	9.47%
Heber, UT (FHA\|USDA\|VA)	12	$12,670,000	$1,055,833	$9,875	8.86%
SALT LAKE CITY, UT (FHA\|USDA\|VA)	21	$12,065,000	$574,524	$14,200	8.61%
Detroit-Warren-Dearborn, MI (FHA\|USDA\|VA)	26	$11,360,000	$436,923	$20,491	9.24%
NAPLES-MARCO ISLAND, FL (FHA\|USDA\|VA)	23	$11,325,000	$492,391	$20,391	8.93%
TUCSON, AZ (FHA\|USDA\|VA)	38	$11,080,000	$291,579	$13,801	8.89%
Key West, FL (FHA\|USDA\|VA)	11	$10,455,000	$950,455	$25,583	8.50%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA\|USDA\|VA)	24	$9,440,000	$393,333	$16,639	9.15%
Kapaa, HI (FHA\|USDA\|VA)	7	$9,165,000	$1,309,286	$45,820	8.70%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA\|USDA\|VA)	17	$8,235,000	$484,412	$18,797	9.57%
Boston-Cambridge-Newton, MA-NH (FHA\|USDA\|VA)	16	$7,860,000	$491,250	$10,263	9.11%
North Port-Sarasota-Bradenton, FL (FHA\|USDA\|VA)	22	$7,810,000	$355,000	$16,153	8.72%
RALEIGH-CARY, NC (FHA\|USDA\|VA)	20	$7,480,000	$374,000	$12,869	9.30%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA\|USDA\|VA)	29	$7,395,000	$255,000	$11,515	8.97%
OCALA, FL (FHA\|USDA\|VA)	39	$7,295,000	$187,051	$8,946	8.50%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA\|USDA\|VA)	22	$7,080,000	$321,818	$13,392	9.28%
MODESTO, CA (FHA\|USDA\|VA)	21	$6,945,000	$330,714	$11,974	8.75%
NEW HAVEN-MILFORD, CT (FHA\|USDA\|VA)	25	$5,895,000	$235,800	$12,812	9.37%
PITTSBURGH, PA (FHA\|USDA\|VA)	19	$5,675,000	$298,684	$15,473	9.43%
CLEVELAND-ELYRIA, OH (FHA\|USDA\|VA)	15	$5,595,000	$373,000	$15,112	9.97%
BEND, OR (FHA\|USDA\|VA)	10	$5,350,000	$535,000	$11,572	8.72%
PORT ST. LUCIE, FL (FHA\|USDA\|VA)	20	$4,920,000	$246,000	$10,266	8.93%
ST. GEORGE, UT (FHA\|USDA\|VA)	10	$4,910,000	$491,000	$11,649	9.61%
READING, PA (FHA\|USDA\|VA)	25	$4,895,000	$195,800	$0	9.17%
STOCKTON, CA (FHA\|USDA\|VA)	14	$4,830,000	$345,000	$14,093	8.73%
SALINAS, CA (FHA\|USDA\|VA)	6	$4,780,000	$796,667	$16,309	7.94%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA\|USDA\|VA)	11	$4,715,000	$428,636	$11,390	9.47%
DURHAM-CHAPEL HILL, NC (FHA\|USDA\|VA)	19	$4,705,000	$247,632	$10,853	9.09%
COLUMBUS, OH (FHA\|USDA\|VA)	18	$4,650,000	$258,333	$12,790	9.35%
WILMINGTON, NC (FHA\|USDA\|VA)	10	$4,610,000	$461,000	$12,561	9.17%
FRESNO, CA (FHA\|USDA\|VA)	16	$4,550,000	$284,375	$11,199	8.98%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA\|USDA\|VA)	19	$4,495,000	$236,579	$9,269	9.51%
SANTA CRUZ-WATSONVILLE, CA (FHA\|USDA\|VA)	6	$4,400,000	$733,333	$19,533	8.38%
LAKE HAVASU CITY-KINGMAN, AZ (FHA\|USDA\|VA)	13	$4,355,000	$335,000	$11,265	8.79%
Vineyard Haven, MA (FHA\|USDA\|VA)	3	$4,355,000	$1,451,667	$0	9.00%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA\|USDA\|VA)	14	$4,330,000	$309,286	$0	9.35%
BOULDER, CO (FHA\|USDA\|VA)	4	$4,290,000	$1,072,500	$15,696	7.81%
ST. LOUIS, MO-IL (FHA\|USDA\|VA)	11	$4,155,000	$377,727	$12,784	9.20%
RENO, NV (FHA\|USDA\|VA)	5	$4,125,000	$825,000	$14,422	8.80%
GREENVILLE-ANDERSON, SC (FHA\|USDA\|VA)	16	$4,020,000	$251,250	$9,789	9.23%
KENNEWICK-RICHLAND, WA (FHA\|USDA\|VA)	12	$4,010,000	$334,167	$12,359	8.91%
NEW ORLEANS-METAIRIE, LA (FHA\|USDA\|VA)	12	$3,980,000	$331,667	$14,218	9.85%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA\|USDA\|VA)	6	$3,960,000	$660,000	$33,191	9.52%
PANAMA CITY, FL (FHA\|USDA\|VA)	11	$3,955,000	$359,545	$0	8.95%
MCALLEN-EDINBURG-MISSION, TX (FHA\|USDA\|VA)	14	$3,920,000	$280,000	$11,493	9.10%
SANTA ROSA-PETALUMA, CA (FHA\|USDA\|VA)	8	$3,900,000	$487,500	$13,587	8.89%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA\|USDA\|VA)	10	$3,720,000	$372,000	$11,144	9.09%
MEMPHIS, TN-MS-AR (FHA\|USDA\|VA)	12	$3,670,000	$305,833	$13,132	8.43%
Sevierville, TN (FHA\|USDA\|VA)	7	$3,665,000	$523,571	$14,340	9.09%
BIRMINGHAM-HOOVER, AL (FHA\|USDA\|VA)	12	$3,580,000	$298,333	$5,943	9.37%
VALLEJO, CA (FHA\|USDA\|VA)	8	$3,530,000	$441,250	$15,117	8.41%
SALEM, OR (FHA\|USDA\|VA)	12	$3,510,000	$292,500	$9,602	9.16%
Jackson, WY-ID (FHA\|USDA\|VA)	4	$3,320,000	$830,000	$18,272	8.09%
KANSAS CITY, MO-KS (FHA\|USDA\|VA)	13	$3,285,000	$252,692	$8,090	9.01%
KNOXVILLE, TN (FHA\|USDA\|VA)	8	$3,190,000	$398,750	$12,075	8.89%
PROVIDENCE-WARWICK, RI-MA (FHA\|USDA\|VA)	7	$3,125,000	$446,429	$0	9.02%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA\|USDA\|VA)	4	$3,080,000	$770,000	$13,173	8.47%
ASHEVILLE, NC (FHA\|USDA\|VA)	6	$2,980,000	$496,667	$17,821	8.63%
FAYETTEVILLE, NC (FHA\|USDA\|VA)	17	$2,885,000	$169,706	$0	9.24%
SALISBURY, MD-DE (FHA\|USDA\|VA)	8	$2,670,000	$333,750	$10,609	9.28%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA\|USDA\|VA)	9	$2,625,000	$291,667	$16,400	9.31%
BAKERSFIELD, CA (FHA\|USDA\|VA)	14	$2,620,000	$187,143	$7,256	9.30%
MERCED, CA (FHA\|USDA\|VA)	7	$2,565,000	$366,429	$12,152	8.52%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA\|USDA\|VA)	7	$2,505,000	$357,857	$19,618	8.88%
Moses Lake, WA (FHA\|USDA\|VA)	10	$2,410,000	$241,000	$11,500	8.62%
MADERA, CA (FHA\|USDA\|VA)	5	$2,305,000	$461,000	$13,127	9.22%
OGDEN-CLEARFIELD, UT (FHA\|USDA\|VA)	6	$2,200,000	$366,667	$10,867	9.17%
CORPUS CHRISTI, TX (FHA\|USDA\|VA)	7	$2,155,000	$307,857	$7,385	9.37%
Edwards, CO (FHA\|USDA\|VA)	2	$2,130,000	$1,065,000	$20,238	8.63%
GAINESVILLE, GA (FHA\|USDA\|VA)	2	$2,110,000	$1,055,000	$53,135	8.62%
NORWICH-NEW LONDON, CT (FHA\|USDA\|VA)	7	$2,065,000	$295,000	$11,691	9.64%
COLORADO SPRINGS, CO (FHA\|USDA\|VA)	6	$2,050,000	$341,667	$14,409	8.71%
COLUMBIA, SC (FHA\|USDA\|VA)	5	$1,995,000	$399,000	$22,076	8.73%
SEBRING-AVON PARK, FL (FHA\|USDA\|VA)	7	$1,975,000	$282,143	$14,522	8.48%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA\|USDA\|VA)	7	$1,935,000	$276,429	$6,951	9.16%
OKLAHOMA CITY, OK (FHA\|USDA\|VA)	10	$1,890,000	$189,000	$9,886	8.47%
Big Spring, TX (FHA\|USDA\|VA)	2	$1,850,000	$925,000	$0	10.00%
MILWAUKEE-WAUKESHA, WI (FHA\|USDA\|VA)	12	$1,830,000	$152,500	$6,443	9.19%
WENATCHEE, WA (FHA\|USDA\|VA)	3	$1,795,000	$598,333	$10,053	9.21%
Ellensburg, WA (FHA\|USDA\|VA)	3	$1,755,000	$585,000	$8,954	8.37%
PORTLAND-SOUTH PORTLAND, ME (FHA\|USDA\|VA)	3	$1,715,000	$571,667	$11,029	8.83%
GAINESVILLE, FL (FHA\|USDA\|VA)	8	$1,680,000	$210,000	$7,417	8.83%
BELLINGHAM, WA (FHA\|USDA\|VA)	4	$1,670,000	$417,500	$9,903	9.28%
FLAGSTAFF, AZ (FHA\|USDA\|VA)	4	$1,640,000	$410,000	$21,934	9.91%
EUGENE-SPRINGFIELD, OR (FHA\|USDA\|VA)	5	$1,525,000	$305,000	$12,498	8.65%
TALLAHASSEE, FL (FHA\|USDA\|VA)	6	$1,510,000	$251,667	$11,143	8.87%
RICHMOND, VA (FHA\|USDA\|VA)	5	$1,505,000	$301,000	$10,333	9.30%
Show Low, AZ (FHA\|USDA\|VA)	5	$1,445,000	$289,000	$4,643	10.20%
GREENSBORO-HIGH POINT, NC (FHA\|USDA\|VA)	4	$1,430,000	$357,500	$13,714	8.72%
LAFAYETTE-WEST LAFAYETTE, IN (FHA\|USDA\|VA)	2	$1,400,000	$700,000	$16,527	7.94%
EL PASO, TX (FHA\|USDA\|VA)	4	$1,390,000	$347,500	$18,519	9.34%
LEXINGTON-FAYETTE, KY (FHA\|USDA\|VA)	1	$1,365,000	$1,365,000	$35,957	8.38%
HANFORD-CORCORAN, CA (FHA\|USDA\|VA)	4	$1,340,000	$335,000	$7,865	9.47%
TULSA, OK (FHA\|USDA\|VA)	6	$1,310,000	$218,333	$9,930	8.65%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA\|USDA\|VA)	4	$1,300,000	$325,000	$6,671	9.09%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA\|USDA\|VA)	6	$1,290,000	$215,000	$8,806	8.58%
TRENTON-PRINCETON, NJ (FHA\|USDA\|VA)	5	$1,275,000	$255,000	$10,113	9.90%
Concord, NH (FHA\|USDA\|VA)	1	$1,265,000	$1,265,000	$0	9.25%
HOMOSASSA SPRINGS, FL (FHA\|USDA\|VA)	6	$1,210,000	$201,667	$10,114	8.29%
Glenwood Springs, CO (FHA\|USDA\|VA)	2	$1,190,000	$595,000	$0	8.56%
SAVANNAH, GA (FHA\|USDA\|VA)	7	$1,185,000	$169,286	$11,419	9.50%
SCRANTON--WILKES-BARRE, PA (FHA\|USDA\|VA)	6	$1,180,000	$196,667	$0	9.02%
Kalispell, MT (FHA\|USDA\|VA)	2	$1,160,000	$580,000	$0	8.81%
SPARTANBURG, SC (FHA\|USDA\|VA)	6	$1,140,000	$190,000	$5,576	9.33%
BARNSTABLE TOWN, MA (FHA\|USDA\|VA)	4	$1,110,000	$277,500	$0	8.47%
AUBURN-OPELIKA, AL (FHA\|USDA\|VA)	2	$1,100,000	$550,000	$23,687	8.37%
HARRISBURG-CARLISLE, PA (FHA\|USDA\|VA)	6	$1,080,000	$180,000	$0	9.79%
WACO, TX (FHA\|USDA\|VA)	4	$1,070,000	$267,500	$7,683	9.94%
ALBUQUERQUE, NM (FHA\|USDA\|VA)	5	$1,055,000	$211,000	$11,375	9.45%
CHICO, CA (FHA\|USDA\|VA)	4	$1,010,000	$252,500	$0	9.56%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA\|USDA\|VA)	3	$995,000	$331,667	$11,587	8.42%
PUNTA GORDA, FL (FHA\|USDA\|VA)	6	$990,000	$165,000	$7,229	9.27%
LYNCHBURG, VA (FHA\|USDA\|VA)	3	$985,000	$328,333	$0	8.38%
BOISE CITY, ID (FHA\|USDA\|VA)	3	$975,000	$325,000	$9,419	9.08%
YORK-HANOVER, PA (FHA\|USDA\|VA)	6	$940,000	$156,667	$16,995	9.87%
ROANOKE, VA (FHA\|USDA\|VA)	3	$925,000	$308,333	$11,694	8.21%
LOUISVILLE, KY (FHA\|USDA\|VA)	6	$910,000	$151,667	$4,347	9.40%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA\|USDA\|VA)	4	$900,000	$225,000	$0	9.00%
ATLANTIC CITY-HAMMONTON, NJ (FHA\|USDA\|VA)	6	$890,000	$148,333	$8,601	9.54%
MOUNT VERNON-ANACORTES, WA (FHA\|USDA\|VA)	1	$865,000	$865,000	$0	7.87%
CARSON CITY, NV (FHA\|USDA\|VA)	4	$850,000	$212,500	$9,768	8.62%
GRANTS PASS, OR (FHA\|USDA\|VA)	3	$845,000	$281,667	$7,157	8.46%
PENSACOLA-FERRY PASS-BRENT, FL (FHA\|USDA\|VA)	5	$845,000	$169,000	$0	9.15%
CINCINNATI, OH-KY-IN (FHA\|USDA\|VA)	3	$845,000	$281,667	$9,221	8.42%
HUNTSVILLE, AL (FHA\|USDA\|VA)	3	$835,000	$278,333	$9,986	8.83%
ROCKY MOUNT, NC (FHA\|USDA\|VA)	3	$835,000	$278,333	$0	9.75%
OLYMPIA-LACEY-TUMWATER, WA (FHA\|USDA\|VA)	2	$830,000	$415,000	$13,636	9.31%
EAST STROUDSBURG, PA (FHA\|USDA\|VA)	4	$830,000	$207,500	$11,044	9.59%
AKRON, OH (FHA\|USDA\|VA)	7	$795,000	$113,571	$8,520	10.09%
TYLER, TX (FHA\|USDA\|VA)	3	$785,000	$261,667	$9,938	9.92%
VISALIA, CA (FHA\|USDA\|VA)	3	$765,000	$255,000	$3,736	9.50%
Sandpoint, ID (FHA\|USDA\|VA)	1	$755,000	$755,000	$21,652	7.62%
YUMA, AZ (FHA\|USDA\|VA)	3	$755,000	$251,667	$11,873	9.00%
CHATTANOOGA, TN-GA (FHA\|USDA\|VA)	4	$730,000	$182,500	$9,013	9.09%
Aberdeen, WA (FHA\|USDA\|VA)	2	$720,000	$360,000	$8,729	9.75%
PUEBLO, CO (FHA\|USDA\|VA)	2	$710,000	$355,000	$22,744	10.56%
BEAUMONT-PORT ARTHUR, TX (FHA\|USDA\|VA)	3	$705,000	$235,000	$7,947	9.83%
SOUTH BEND-MISHAWAKA, IN-MI (FHA\|USDA\|VA)	2	$670,000	$335,000	$10,776	10.13%
ST. CLOUD, MN (FHA\|USDA\|VA)	2	$640,000	$320,000	$14,093	9.25%
Morehead City, NC (FHA\|USDA\|VA)	2	$630,000	$315,000	$27,624	10.19%
Truckee-Grass Valley, CA (FHA\|USDA\|VA)	2	$630,000	$315,000	$12,686	8.06%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA\|USDA\|VA)	3	$615,000	$205,000	$9,858	8.46%
GADSDEN, AL (FHA\|USDA\|VA)	1	$605,000	$605,000	$20,080	10.25%
BURLINGTON-SOUTH BURLINGTON, VT (FHA\|USDA\|VA)	2	$590,000	$295,000	$10,381	8.31%
FLINT, MI (FHA\|USDA\|VA)	4	$590,000	$147,500	$5,973	9.90%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA\|USDA\|VA)	2	$590,000	$295,000	$5,029	10.12%
Hood River, OR (FHA\|USDA\|VA)	2	$570,000	$285,000	$5,286	8.63%
KINGSTON, NY (FHA\|USDA\|VA)	2	$570,000	$285,000	$0	8.63%
SPRINGFIELD, MA (FHA\|USDA\|VA)	2	$560,000	$280,000	$0	9.25%
Traverse City, MI (FHA\|USDA\|VA)	1	$555,000	$555,000	$10,842	10.50%
FLORENCE-MUSCLE SHOALS, AL (FHA\|USDA\|VA)	2	$550,000	$275,000	$0	9.56%
Outside of Metro Areas	2	$540,000	$270,000	$9,873	8.62%
ATHENS-CLARKE COUNTY, GA (FHA\|USDA\|VA)	3	$525,000	$175,000	$0	9.58%
ROCHESTER, NY (FHA\|USDA\|VA)	3	$505,000	$168,333	$0	9.17%
MIDLAND, TX (FHA\|USDA\|VA)	2	$500,000	$250,000	$12,434	9.38%
FORT COLLINS, CO (FHA\|USDA\|VA)	1	$495,000	$495,000	$11,192	10.63%
Rockport, TX (FHA\|USDA\|VA)	1	$485,000	$485,000	$9,856	9.37%
MEDFORD, OR (FHA\|USDA\|VA)	2	$480,000	$240,000	$0	8.56%
Sebastian-Vero Beach, FL (FHA\|USDA\|VA)	2	$470,000	$235,000	$0	8.81%
YUBA CITY, CA (FHA\|USDA\|VA)	1	$465,000	$465,000	$16,938	7.75%
VALDOSTA, GA (FHA\|USDA\|VA)	1	$465,000	$465,000	$0	9.63%
Oak Harbor, WA (FHA\|USDA\|VA)	2	$460,000	$230,000	$7,517	8.62%
ALBANY-SCHENECTADY-TROY, NY (FHA\|USDA\|VA)	3	$455,000	$151,667	$0	10.54%
Granbury, TX (FHA\|USDA\|VA)	3	$455,000	$151,667	$0	8.50%
Hobbs, NM (FHA\|USDA\|VA)	2	$450,000	$225,000	$0	9.31%
ROCHESTER, MN (FHA\|USDA\|VA)	1	$445,000	$445,000	$17,308	10.00%
ROCKFORD, IL (FHA\|USDA\|VA)	2	$440,000	$220,000	$7,640	9.50%
WINSTON-SALEM, NC (FHA\|USDA\|VA)	2	$440,000	$220,000	$7,312	9.75%
PITTSFIELD, MA (FHA\|USDA\|VA)	1	$435,000	$435,000	$0	8.50%
BATON ROUGE, LA (FHA\|USDA\|VA)	2	$430,000	$215,000	$9,889	10.81%
Newport, OR (FHA\|USDA\|VA)	2	$420,000	$210,000	$0	9.75%
Pahrump, NV (FHA\|USDA\|VA)	3	$415,000	$138,333	$7,457	8.67%
HICKORY-LENOIR-MORGANTON, NC (FHA\|USDA\|VA)	2	$410,000	$205,000	$0	9.81%
Hermiston-Pendleton, OR (FHA\|USDA\|VA)	2	$400,000	$200,000	$10,656	9.44%
Roseburg, OR (FHA\|USDA\|VA)	1	$395,000	$395,000	$14,797	8.88%
SPRINGFIELD, MO (FHA\|USDA\|VA)	3	$395,000	$131,667	$0	10.50%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA\|USDA\|VA)	1	$395,000	$395,000	$17,367	10.00%
GRAND RAPIDS-KENTWOOD, MI (FHA\|USDA\|VA)	2	$380,000	$190,000	$0	9.75%
Othello, WA (FHA\|USDA\|VA)	2	$380,000	$190,000	$7,966	9.69%
MANCHESTER-NASHUA, NH (FHA\|USDA\|VA)	1	$375,000	$375,000	$0	8.75%
FORT SMITH, AR-OK (FHA\|USDA\|VA)	1	$375,000	$375,000	$11,153	7.88%
Blackfoot, ID (FHA\|USDA\|VA)	2	$360,000	$180,000	$8,390	9.19%
SANTA FE, NM (FHA\|USDA\|VA)	1	$355,000	$355,000	$11,045	8.25%
Pottsville, PA (FHA\|USDA\|VA)	2	$350,000	$175,000	$0	10.13%
Cookeville, TN (FHA\|USDA\|VA)	2	$340,000	$170,000	$7,469	10.06%
SPOKANE-SPOKANE VALLEY, WA (FHA\|USDA\|VA)	1	$335,000	$335,000	$12,612	8.75%
BROWNSVILLE-HARLINGEN, TX (FHA\|USDA\|VA)	2	$330,000	$165,000	$10,874	8.88%
Brownwood, TX (FHA\|USDA\|VA)	1	$325,000	$325,000	$0	8.50%
Lewisburg, PA (FHA\|USDA\|VA)	1	$325,000	$325,000	$17,023	10.38%
Vernal, UT (FHA\|USDA\|VA)	1	$315,000	$315,000	$10,245	7.75%
Cedar City, UT (FHA\|USDA\|VA)	2	$310,000	$155,000	$0	9.44%
ALBANY-LEBANON, OR (FHA\|USDA\|VA)	1	$305,000	$305,000	$10,201	9.00%
GREELEY, CO (FHA\|USDA\|VA)	1	$305,000	$305,000	$11,130	9.25%
WARNER ROBINS, GA (FHA\|USDA\|VA)	1	$305,000	$305,000	$11,868	9.25%
THE VILLAGES, FL (FHA\|USDA\|VA)	2	$300,000	$150,000	$6,190	10.25%
EL CENTRO, CA (FHA\|USDA\|VA)	2	$290,000	$145,000	$0	10.19%
CHEYENNE, WY (FHA\|USDA\|VA)	1	$285,000	$285,000	$10,797	9.50%
Arcadia, FL (FHA\|USDA\|VA)	1	$285,000	$285,000	$0	7.38%
Ukiah, CA (FHA\|USDA\|VA)	1	$275,000	$275,000	$0	9.62%
LAWRENCE, KS (FHA\|USDA\|VA)	1	$275,000	$275,000	$8,590	10.75%
HOT SPRINGS, AR (FHA\|USDA\|VA)	1	$275,000	$275,000	$0	8.63%
Grand Rapids, MN (FHA\|USDA\|VA)	1	$275,000	$275,000	$9,633	11.00%
Torrington, CT (FHA\|USDA\|VA)	2	$270,000	$135,000	$8,813	9.50%
ODESSA, TX (FHA\|USDA\|VA)	2	$270,000	$135,000	$7,767	10.75%
BLACKSBURG-CHRISTIANSBURG, VA (FHA\|USDA\|VA)	1	$265,000	$265,000	$11,656	10.25%
Port Angeles, WA (FHA\|USDA\|VA)	1	$265,000	$265,000	$0	8.13%
Watertown-Fort Atkinson, WI (FHA\|USDA\|VA)	1	$265,000	$265,000	$8,670	9.13%
DALTON, GA (FHA\|USDA\|VA)	1	$265,000	$265,000	$0	7.50%
Clewiston, FL (FHA\|USDA\|VA)	1	$265,000	$265,000	$0	8.25%
Sonora, CA (FHA\|USDA\|VA)	1	$265,000	$265,000	$0	7.88%
SIERRA VISTA-DOUGLAS, AZ (FHA\|USDA\|VA)	1	$255,000	$255,000	$11,263	8.63%
YAKIMA, WA (FHA\|USDA\|VA)	1	$255,000	$255,000	$8,466	8.50%
GULFPORT-BILOXI, MS (FHA\|USDA\|VA)	2	$250,000	$125,000	$0	9.31%
SUMTER, SC (FHA\|USDA\|VA)	1	$245,000	$245,000	$12,957	10.25%
Farmington, MO (FHA\|USDA\|VA)	1	$235,000	$235,000	$9,136	8.88%
ANN ARBOR, MI (FHA\|USDA\|VA)	1	$235,000	$235,000	$0	8.25%
Albemarle, NC (FHA\|USDA\|VA)	1	$235,000	$235,000	$9,216	9.13%
COLUMBIA, MO (FHA\|USDA\|VA)	1	$235,000	$235,000	$2,413	9.50%
MISSOULA, MT (FHA\|USDA\|VA)	1	$235,000	$235,000	$7,221	12.00%
Lufkin, TX (FHA\|USDA\|VA)	1	$225,000	$225,000	$5,024	9.75%
LUBBOCK, TX (FHA\|USDA\|VA)	1	$225,000	$225,000	$0	8.38%
SHREVEPORT-BOSSIER CITY, LA (FHA\|USDA\|VA)	2	$220,000	$110,000	$6,423	9.12%
Athens, TX (FHA\|USDA\|VA)	1	$205,000	$205,000	$0	8.63%
Bainbridge, GA (FHA\|USDA\|VA)	1	$205,000	$205,000	$10,263	11.13%
Sanford, NC (FHA\|USDA\|VA)	1	$205,000	$205,000	$0	9.25%
CORVALLIS, OR (FHA\|USDA\|VA)	1	$205,000	$205,000	$0	8.63%
HINESVILLE, GA (FHA\|USDA\|VA)	1	$205,000	$205,000	$0	8.88%
CUMBERLAND, MD-WV (FHA\|USDA\|VA)	2	$200,000	$100,000	$0	10.38%
WORCESTER, MA-CT (FHA\|USDA\|VA)	1	$195,000	$195,000	$0	9.38%
Malvern, AR (FHA\|USDA\|VA)	1	$195,000	$195,000	$5,799	8.75%
Shawano, WI (FHA\|USDA\|VA)	1	$195,000	$195,000	$8,135	10.13%
Rexburg, ID (FHA\|USDA\|VA)	1	$185,000	$185,000	$0	9.38%
Danville, VA (FHA\|USDA\|VA)	1	$185,000	$185,000	$8,725	10.13%
Nogales, AZ (FHA\|USDA\|VA)	1	$185,000	$185,000	$0	13.50%
LONGVIEW, TX (FHA\|USDA\|VA)	1	$185,000	$185,000	$0	10.00%
Lumberton, NC (FHA\|USDA\|VA)	1	$185,000	$185,000	$8,161	9.50%
DECATUR, AL (FHA\|USDA\|VA)	1	$175,000	$175,000	$0	8.75%
Seneca, SC (FHA\|USDA\|VA)	1	$175,000	$175,000	$0	8.50%
JACKSON, MS (FHA\|USDA\|VA)	1	$175,000	$175,000	$0	9.00%
CHARLOTTESVILLE, VA (FHA\|USDA\|VA)	1	$175,000	$175,000	$0	9.63%
Red Bluff, CA (FHA\|USDA\|VA)	1	$175,000	$175,000	$3,597	8.63%
Tullahoma-Manchester, TN (FHA\|USDA\|VA)	1	$165,000	$165,000	$0	8.63%
Menomonie, WI (FHA\|USDA\|VA)	1	$165,000	$165,000	$0	8.50%
TEXARKANA, TX-AR (FHA\|USDA\|VA)	1	$165,000	$165,000	$0	9.63%
Kingsville, TX (FHA\|USDA\|VA)	1	$165,000	$165,000	$8,691	8.13%
OCEAN CITY, NJ (FHA\|USDA\|VA)	1	$155,000	$155,000	$0	9.38%
LEWISTON, ID-WA (FHA\|USDA\|VA)	1	$155,000	$155,000	$0	9.13%
SPRINGFIELD, OH (FHA\|USDA\|VA)	1	$155,000	$155,000	$7,807	10.88%
TUSCALOOSA, AL (FHA\|USDA\|VA)	1	$155,000	$155,000	$0	10.50%
Stevens Point, WI (FHA\|USDA\|VA)	1	$155,000	$155,000	$0	9.50%
Albertville, AL (FHA\|USDA\|VA)	1	$145,000	$145,000	$0	9.75%
MADISON, WI (FHA\|USDA\|VA)	1	$145,000	$145,000	$0	10.00%
VINELAND-BRIDGETON, NJ (FHA\|USDA\|VA)	1	$145,000	$145,000	$9,594	11.00%
Sikeston, MO (FHA\|USDA\|VA)	1	$145,000	$145,000	$6,306	9.38%
POCATELLO, ID (FHA\|USDA\|VA)	1	$145,000	$145,000	$0	9.50%
COLUMBUS, GA-AL (FHA\|USDA\|VA)	1	$145,000	$145,000	$6,313	9.63%
LANSING-EAST LANSING, MI (FHA\|USDA\|VA)	1	$145,000	$145,000	$0	9.63%
ALBANY, GA (FHA\|USDA\|VA)	1	$135,000	$135,000	$7,087	10.38%
MORRISTOWN, TN (FHA\|USDA\|VA)	1	$135,000	$135,000	$0	10.75%
LaGrange, GA-AL (FHA\|USDA\|VA)	1	$135,000	$135,000	$7,390	9.25%
RACINE, WI (FHA\|USDA\|VA)	1	$135,000	$135,000	$0	9.13%
EVANSVILLE, IN-KY (FHA\|USDA\|VA)	1	$135,000	$135,000	$0	8.38%
DOVER, DE (FHA\|USDA\|VA)	1	$135,000	$135,000	$0	9.63%
SHERMAN-DENISON, TX (FHA\|USDA\|VA)	1	$135,000	$135,000	$0	10.25%
Astoria, OR (FHA\|USDA\|VA)	1	$125,000	$125,000	$8,492	11.50%
Newport, TN (FHA\|USDA\|VA)	1	$125,000	$125,000	$4,554	9.50%
DOTHAN, AL (FHA\|USDA\|VA)	1	$125,000	$125,000	$7,571	12.37%
Statesboro, GA (FHA\|USDA\|VA)	1	$125,000	$125,000	$0	9.88%
MONROE, LA (FHA\|USDA\|VA)	1	$125,000	$125,000	$6,976	10.63%
HAMMOND, LA (FHA\|USDA\|VA)	1	$125,000	$125,000	$6,935	11.63%
Findlay, OH (FHA\|USDA\|VA)	1	$115,000	$115,000	$0	9.13%
BUFFALO-CHEEKTOWAGA, NY (FHA\|USDA\|VA)	1	$115,000	$115,000	$0	10.13%
COLLEGE STATION-BRYAN, TX (FHA\|USDA\|VA)	1	$115,000	$115,000	$0	9.13%
Beaver Dam, WI (FHA\|USDA\|VA)	1	$115,000	$115,000	$0	8.88%
FLORENCE, SC (FHA\|USDA\|VA)	1	$115,000	$115,000	$0	8.75%
Fremont, NE (FHA\|USDA\|VA)	1	$115,000	$115,000	$5,928	9.88%
Georgetown, SC (FHA\|USDA\|VA)	1	$115,000	$115,000	$0	9.63%
Palatka, FL (FHA\|USDA\|VA)	1	$115,000	$115,000	$0	9.62%
JOHNSON CITY, TN (FHA\|USDA\|VA)	1	$115,000	$115,000	$7,185	9.50%
Mount Airy, NC (FHA\|USDA\|VA)	1	$115,000	$115,000	$6,730	9.88%
MONTGOMERY, AL (FHA\|USDA\|VA)	1	$115,000	$115,000	$0	10.00%
ROME, GA (FHA\|USDA\|VA)	1	$105,000	$105,000	$0	8.50%
Centralia, WA (FHA\|USDA\|VA)	1	$105,000	$105,000	$0	10.38%
Rio Grande City-Roma, TX (FHA\|USDA\|VA)	1	$105,000	$105,000	$0	8.75%
Andrews, TX (FHA\|USDA\|VA)	1	$105,000	$105,000	$5,211	12.13%
Brainerd, MN (FHA\|USDA\|VA)	1	$105,000	$105,000	$0	10.88%
Crawfordsville, IN (FHA\|USDA\|VA)	1	$105,000	$105,000	$0	10.13%
Clearlake, CA (FHA\|USDA\|VA)	1	$105,000	$105,000	$0	11.75%
DuBois, PA (FHA\|USDA\|VA)	1	$95,000	$95,000	$0	8.75%
JOPLIN, MO (FHA\|USDA\|VA)	1	$95,000	$95,000	$6,510	10.75%
Athens, TN (FHA\|USDA\|VA)	1	$95,000	$95,000	$0	9.88%
Bucyrus-Galion, OH (FHA\|USDA\|VA)	1	$95,000	$95,000	$0	9.38%

Citadel Servicing Corporation's top markets include Miami, Los Angeles, New York, Las Vegas, and Riverside among others.

Their top states include:

California (FHA|USDA|VA)

Florida (FHA|USDA|VA)

Texas (FHA|USDA|VA)

Nevada (FHA|USDA|VA)

Arizona (FHA|USDA|VA)

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Product Mix

Loan Type	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Conventional	4,669	$2,126,445,000	$455,439	$15,794	9.02%

For 2023, Citadel Servicing Corporation's most frequently originated type of loan was Conventional, with 4,669 originations.

Loan Reason

Loan Reason	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Home Purchase	3,002	$1,416,170,000	$471,742	$16,066	8.92%
Cash Out Refi	1,440	$591,090,000	$410,479	$15,003	9.23%
Refi	227	$119,185,000	$525,044	$16,611	8.94%

For 2023, Citadel Servicing Corporation's most frequently cited loan purpose was Home Purchase, with 3,002 originations. The 2nd most popular reason was Cash Out Refi, with 1,440 originations.

Loan Duration/Length

Loan Length	Originations	Total Value	Average Loan	Average Fees	Average Rate
30 Year	4,590	$2,057,730,000	$448,307	$15,672	9.02%
30+ year	79	$68,715,000	$869,810	$27,095	8.70%

For 2023, Citadel Servicing Corporation's most frequently cited loan duration was 30 Year, with 4,590 originations. The 2nd most popular length was 30+ year, with 79 originations.

Origination Fees/Closing Costs

Origination Fee/Closing Cost	Originations	Total Value	Average Loan
$5k+	1,534	$962,320,000	$627,327
$1k-2k	181	$126,245,000	$697,486
$4k-5k	102	$17,890,000	$175,392
$3k-4k	43	$8,455,000	$196,628
$2k-3k	14	$3,570,000	$255,000
$<1k	7	$2,245,000	$320,714

Citadel Servicing Corporation's average total fees were $15,672, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 1,534 originations.

Interest Rates

Loan Rate	Originations	Total Value	Average Loan
Over 8%	3,847	$1,589,525,000	$413,186
7-8%	796	$513,620,000	$645,251
6-7%	23	$22,255,000	$967,609
4-5%	1	$185,000	$185,000
5-6%	1	$315,000	$315,000

During 2023, Citadel Servicing Corporation's average interest rate for loans was 9.02%, while their most frequently originated rate bucket for loans was Over 8%, with 3,847 originations.

Loan Sizing

Loan Size	Originations	Total Value	Average Loan	Average Fees	Average Rate
$200k-400k	1,750	$497,170,000	$284,097	$10,876	8.96%
$100k-200k	1,212	$176,480,000	$145,611	$7,346	9.42%
$400k-600k	678	$327,830,000	$483,525	$15,346	8.98%
$600k-1MM	521	$400,965,000	$769,607	$19,078	8.68%
$1MM+	457	$719,155,000	$1,573,643	$31,239	8.48%
$100,000 or less	51	$4,845,000	$95,000	$5,660	9.99%

2023 saw Citadel Servicing Corporation place emphasis on $200k-400k loans with 1,750 originations, totaling $497,170,000 in origination value.

Applicant Income

Applicant Income	Originations	Total Value	Average Loan	Average Fees	Average Rate
$50k or less	1,542	$467,250,000	$303,016	$10,383	9.11%
$250k+	1,093	$923,745,000	$845,146	$21,316	8.71%
$150k-250k	436	$180,600,000	$414,220	$13,161	8.95%
$100k-150k	335	$99,725,000	$297,687	$11,411	9.09%
$75k-100k	210	$50,410,000	$240,048	$9,752	8.97%
$50k-75k	159	$31,215,000	$196,321	$8,705	9.07%

Citadel Servicing Corporation lent most frequently to those with incomes in the $50k or less range, with 1,542 originations. The second most popular income band? $250k+, with 1,093 originations.

Applicant Debt to Income Ratio

DTI Ratio	Originations	Total Value	Average Loan	Average Fees	Average Rate
<20%	2,042	$822,020,000	$402,556	$18,868	9.01%
20-30%	411	$241,825,000	$588,382	$15,942	8.81%
30-36%	286	$141,990,000	$496,469	$14,699	8.89%
49%	130	$57,130,000	$439,462	$13,773	9.12%
47%	93	$47,275,000	$508,333	$14,187	8.93%
50-60%	91	$52,055,000	$572,033	$15,911	8.66%
48%	88	$46,120,000	$524,091	$13,562	8.80%
43%	86	$48,970,000	$569,419	$14,093	8.95%
46%	85	$40,235,000	$473,353	$14,713	9.09%
44%	82	$48,070,000	$586,220	$15,294	8.86%
>60%	76	$17,820,000	$234,474	$10,571	8.96%
41%	76	$38,440,000	$505,789	$13,862	9.07%
45%	75	$47,515,000	$633,533	$15,998	9.13%
39%	67	$38,605,000	$576,194	$15,222	8.91%
42%	59	$35,815,000	$607,034	$14,404	8.77%
37%	59	$31,005,000	$525,508	$15,339	9.14%
40%	57	$31,695,000	$556,053	$15,449	9.03%
36%	56	$21,430,000	$382,679	$13,119	8.84%
38%	46	$29,100,000	$632,609	$17,708	8.89%

Citadel Servicing Corporation lent most frequently to those with DTI ratios of <20%, with 2,042 originations. The next most common DTI ratio? 20-30%, with 411 originations.

Ethnicity Mix

Applicant Ethnicity	Originations	Total Value	Average Loan	Average Fees	Average Rate
White	2,338	$1,088,340,000	$465,500	$15,870	8.95%
Not provided	880	$405,880,000	$461,227	$15,850	8.98%
Not applicable	699	$290,055,000	$414,957	$0	9.32%
Asian	320	$172,880,000	$540,250	$15,030	8.72%
Black	348	$132,880,000	$381,839	$15,852	9.24%
American Indian	39	$13,875,000	$355,769	$15,880	9.14%
Asian Indian	11	$7,445,000	$676,818	$23,201	8.60%
Chinese	9	$4,755,000	$528,333	$3,027	8.60%
Native Hawaiian or Islander	9	$3,875,000	$430,556	$18,813	9.58%
Filipino	5	$2,525,000	$505,000	$11,215	8.73%
Other Asian	4	$1,730,000	$432,500	$12,551	8.69%
Other Pacific Islander	4	$1,150,000	$287,500	$9,419	9.38%
Japanese	1	$605,000	$605,000	$0	8.62%
	2	$450,000	$225,000	$11,338	8.69%

Approval Rates

Total approvals of all applications
94.75%

Citadel Servicing Corporation has an average approval rate.

Pick Rate

Approvals leading to origination
22.17%

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	4,669	$2,126,445,000	$455,439

Occupancy Type Mix

Dwelling Type	Originations	Total Value	Average Loan
	4,669	$2,126,445,000	$455,439

LTV Distribution

Loan to Value	Originations	Total Value	Average Loan	Average Fees	Average Rate
20-40%	187	$54,565,000	$291,791	$10,768	8.91%
40-60%	725	$289,555,000	$399,386	$15,182	9.03%
60-80%	3,105	$1,362,145,000	$438,694	$15,690	9.00%
80-100%	620	$405,010,000	$653,242	$17,500	9.04%
Over 100%	15	$9,565,000	$637,667	$8,123	11.52%
Under 20%	17	$5,605,000	$329,706	$8,674	9.13%