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

2021 Data | 2020 Data | 2019 Data | 2018 Data


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 include Los Angeles, Miami, San Francisco, Riverside, and Phoenix among others. Citadel Servicing Corporation has an above average approval rate for mortages when compared nationally. They have a below average pick rate when compared to the same sample of other lendors. Citadel Servicing Corporation is typically a high fee lendor.


Originations

4,097

Origination Dollar Volume (All Markets)

$1,889,265,000

Relative Rate

Citadel Servicing Corporation's average 30 year fixed rate mortgage of loans were 5.03%.

The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.

This yields a difference of 1.88%.

Relative Fees

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

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

Top Markets

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.

Product Mix

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

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

Loan Reason

Loan Reason Originations Total Value Average Loan Average Fees Average 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 the 2021, Citadel Servicing Corporation's most frequently cited loan purpose of loans were Home Purchase, with 2,327 originations. The 2nd most popular reason of loans were 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 the 2021, Citadel Servicing Corporation's most frequently cited loan length of loans were 30 Year, with 4,094 originations. The 2nd most popular length of loans were Other, with 2 originations.

Origination Fees

Origination Fee Originations Total Value Average Loan
$5k+ 1,673 $1,012,655,000 $605,293
$3k-4k 250 $54,560,000 $218,240
$1k-2k 150 $93,330,000 $622,200
$2k-3k 53 $12,595,000 $237,642
$<1k 33 $18,705,000 $566,818

$13,004 of loans were Citadel Servicing Corporation's average total fees, while their most frequently occuring range of origination fees 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 of loans were 5.03%, while their most frequently originated rate bucket of loans were 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 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
91.43%

Citadel Servicing Corporation has an average approval rate.

Pick Rate

Approvals leading to origination
31.88%

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%