Citadel Servicing Corporation Mortgage Rates, Fees & Info

Irvine, CA

LEI: 254900E6AIE4Z8YQM970

Tax ID: 20-8006279

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: Los Angeles, San Francisco, Miami, Orlando, and San Diego among others. We have data for 231 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.

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SimulatedRates™ Mortgage Type	Simulated Rate	Simulation Date
30 Year Conventional Purchase	8.92%	4/22/24
30 Year Conventional Refi	8.42%	4/22/24
30 Year Cash-out Refi	8.86%	4/22/24
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

4,397

Origination Dollar Volume (All Markets)

$1,814,775,000

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)	644	$421,750,000	$654,891	$12,635	5.90%
San Francisco-Oakland-Berkeley, CA (FHA\|USDA\|VA)	209	$157,175,000	$752,033	$12,233	5.89%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA\|USDA\|VA)	352	$134,290,000	$381,506	$10,913	6.32%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA\|USDA\|VA)	402	$102,600,000	$255,224	$9,835	6.32%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA\|USDA\|VA)	161	$91,545,000	$568,602	$11,117	6.03%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA\|USDA\|VA)	103	$82,055,000	$796,650	$11,293	5.94%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA\|USDA\|VA)	174	$62,680,000	$360,230	$8,615	6.19%
New York-Newark-Jersey City, NY-NJ-PA (FHA\|USDA\|VA)	136	$52,680,000	$387,353	$10,711	6.44%
PHOENIX-MESA-CHANDLER, AZ (FHA\|USDA\|VA)	149	$47,615,000	$319,564	$7,248	6.52%
Seattle-Tacoma-Bellevue, WA (FHA\|USDA\|VA)	84	$37,370,000	$444,881	$10,330	6.42%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA\|USDA\|VA)	109	$29,525,000	$270,872	$8,661	6.44%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA\|USDA\|VA)	80	$27,770,000	$347,125	$8,458	6.36%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA\|USDA\|VA)	71	$26,335,000	$370,915	$8,502	6.32%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA\|USDA\|VA)	82	$26,330,000	$321,098	$9,969	6.31%
Chicago-Naperville-Elgin, IL-IN-WI (FHA\|USDA\|VA)	86	$24,260,000	$282,093	$6,218	6.92%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA\|USDA\|VA)	79	$23,915,000	$302,722	$10,384	6.45%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA\|USDA\|VA)	85	$23,585,000	$277,471	$9,060	6.35%
Dallas-Fort Worth-Arlington, TX (FHA\|USDA\|VA)	75	$22,045,000	$293,933	$8,628	6.53%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA\|USDA\|VA)	55	$19,875,000	$361,364	$7,389	6.24%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA\|USDA\|VA)	54	$18,400,000	$340,741	$9,535	6.61%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA\|USDA\|VA)	29	$17,695,000	$610,172	$11,571	6.22%
DENVER-AURORA-LAKEWOOD, CO (FHA\|USDA\|VA)	42	$15,670,000	$373,095	$7,630	6.65%
LAKELAND-WINTER HAVEN, FL (FHA\|USDA\|VA)	68	$15,200,000	$223,529	$9,172	6.39%
Outside of Metro Areas	52	$13,330,000	$256,346	$6,996	6.68%
PROVO-OREM, UT (FHA\|USDA\|VA)	27	$11,135,000	$412,407	$6,846	6.63%
SALT LAKE CITY, UT (FHA\|USDA\|VA)	37	$10,255,000	$277,162	$6,932	6.28%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA\|USDA\|VA)	22	$9,190,000	$417,727	$10,497	6.44%
SANTA ROSA-PETALUMA, CA (FHA\|USDA\|VA)	19	$8,815,000	$463,947	$9,548	6.02%
SANTA MARIA-SANTA BARBARA, CA (FHA\|USDA\|VA)	15	$8,615,000	$574,333	$11,493	6.30%
OGDEN-CLEARFIELD, UT (FHA\|USDA\|VA)	19	$8,615,000	$453,421	$8,050	6.12%
NAPLES-MARCO ISLAND, FL (FHA\|USDA\|VA)	23	$8,435,000	$366,739	$10,108	6.31%
CAPE CORAL-FORT MYERS, FL (FHA\|USDA\|VA)	31	$8,165,000	$263,387	$6,867	6.50%
North Port-Sarasota-Bradenton, FL (FHA\|USDA\|VA)	26	$8,060,000	$310,000	$8,483	6.46%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA\|USDA\|VA)	25	$7,975,000	$319,000	$8,324	6.89%
STOCKTON, CA (FHA\|USDA\|VA)	25	$7,675,000	$307,000	$7,937	6.60%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA\|USDA\|VA)	11	$7,575,000	$688,636	$16,538	6.72%
Heber, UT (FHA\|USDA\|VA)	13	$7,065,000	$543,462	$9,410	6.24%
MODESTO, CA (FHA\|USDA\|VA)	24	$6,740,000	$280,833	$8,584	6.20%
FRESNO, CA (FHA\|USDA\|VA)	19	$6,425,000	$338,158	$9,329	6.03%
JACKSONVILLE, FL (FHA\|USDA\|VA)	26	$6,300,000	$242,308	$7,688	6.47%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA\|USDA\|VA)	16	$5,920,000	$370,000	$9,296	6.46%
RENO, NV (FHA\|USDA\|VA)	7	$5,785,000	$826,429	$13,499	6.30%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA\|USDA\|VA)	18	$5,740,000	$318,889	$7,803	6.76%
SALINAS, CA (FHA\|USDA\|VA)	10	$5,410,000	$541,000	$9,821	5.42%
NAPA, CA (FHA\|USDA\|VA)	6	$4,800,000	$800,000	$7,417	6.48%
PORT ST. LUCIE, FL (FHA\|USDA\|VA)	22	$4,600,000	$209,091	$7,227	6.48%
SANTA CRUZ-WATSONVILLE, CA (FHA\|USDA\|VA)	9	$4,275,000	$475,000	$10,227	6.26%
OCEAN CITY, NJ (FHA\|USDA\|VA)	4	$3,790,000	$947,500	$9,898	6.44%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA\|USDA\|VA)	16	$3,500,000	$218,750	$8,009	6.21%
VALLEJO, CA (FHA\|USDA\|VA)	8	$3,300,000	$412,500	$8,966	6.34%
Detroit-Warren-Dearborn, MI (FHA\|USDA\|VA)	15	$3,265,000	$217,667	$4,416	7.25%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA\|USDA\|VA)	8	$3,010,000	$376,250	$12,357	5.36%
TUCSON, AZ (FHA\|USDA\|VA)	12	$2,970,000	$247,500	$9,281	6.34%
FORT COLLINS, CO (FHA\|USDA\|VA)	10	$2,930,000	$293,000	$8,685	6.68%
RALEIGH-CARY, NC (FHA\|USDA\|VA)	6	$2,910,000	$485,000	$7,864	6.69%
BAKERSFIELD, CA (FHA\|USDA\|VA)	8	$2,900,000	$362,500	$13,465	6.66%
BIRMINGHAM-HOOVER, AL (FHA\|USDA\|VA)	8	$2,810,000	$351,250	$4,131	6.64%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA\|USDA\|VA)	8	$2,800,000	$350,000	$9,539	6.39%
NEW HAVEN-MILFORD, CT (FHA\|USDA\|VA)	9	$2,705,000	$300,556	$5,882	6.11%
BOULDER, CO (FHA\|USDA\|VA)	6	$2,500,000	$416,667	$10,259	5.83%
MERCED, CA (FHA\|USDA\|VA)	12	$2,480,000	$206,667	$7,282	6.74%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA\|USDA\|VA)	10	$2,460,000	$246,000	$9,042	6.84%
ST. GEORGE, UT (FHA\|USDA\|VA)	9	$2,365,000	$262,778	$6,611	6.08%
GREELEY, CO (FHA\|USDA\|VA)	9	$2,285,000	$253,889	$7,312	6.82%
COLORADO SPRINGS, CO (FHA\|USDA\|VA)	6	$2,280,000	$380,000	$6,652	6.40%
KANSAS CITY, MO-KS (FHA\|USDA\|VA)	3	$2,235,000	$745,000	$21,267	5.46%
BEND, OR (FHA\|USDA\|VA)	5	$2,195,000	$439,000	$5,902	6.12%
MOUNT VERNON-ANACORTES, WA (FHA\|USDA\|VA)	4	$2,190,000	$547,500	$12,909	6.03%
Truckee-Grass Valley, CA (FHA\|USDA\|VA)	6	$2,190,000	$365,000	$7,087	6.62%
TRENTON-PRINCETON, NJ (FHA\|USDA\|VA)	6	$2,140,000	$356,667	$9,868	6.08%
ATLANTIC CITY-HAMMONTON, NJ (FHA\|USDA\|VA)	10	$2,110,000	$211,000	$8,645	6.21%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA\|USDA\|VA)	10	$2,030,000	$203,000	$7,160	6.56%
MADERA, CA (FHA\|USDA\|VA)	6	$1,950,000	$325,000	$7,550	6.54%
LAKE HAVASU CITY-KINGMAN, AZ (FHA\|USDA\|VA)	8	$1,940,000	$242,500	$7,046	6.92%
SALEM, OR (FHA\|USDA\|VA)	7	$1,925,000	$275,000	$8,477	6.50%
NEW ORLEANS-METAIRIE, LA (FHA\|USDA\|VA)	7	$1,905,000	$272,143	$11,259	6.59%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA\|USDA\|VA)	8	$1,900,000	$237,500	$5,547	6.97%
Breckenridge, CO (FHA\|USDA\|VA)	2	$1,890,000	$945,000	$3,552	6.06%
MCALLEN-EDINBURG-MISSION, TX (FHA\|USDA\|VA)	8	$1,850,000	$231,250	$7,230	6.52%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA\|USDA\|VA)	6	$1,840,000	$306,667	$8,064	6.12%
Holland, MI (FHA\|USDA\|VA)	2	$1,680,000	$840,000	$14,412	5.50%
Outside of Metro Areas	6	$1,660,000	$276,667	$8,014	6.21%
BELLINGHAM, WA (FHA\|USDA\|VA)	4	$1,650,000	$412,500	$8,725	6.59%
EL PASO, TX (FHA\|USDA\|VA)	6	$1,630,000	$271,667	$3,339	7.31%
HOMOSASSA SPRINGS, FL (FHA\|USDA\|VA)	6	$1,540,000	$256,667	$8,373	6.79%
LOGAN, UT-ID (FHA\|USDA\|VA)	1	$1,495,000	$1,495,000	$20,799	6.13%
VISALIA, CA (FHA\|USDA\|VA)	8	$1,460,000	$182,500	$7,116	6.77%
MANCHESTER-NASHUA, NH (FHA\|USDA\|VA)	6	$1,420,000	$236,667	$6,210	6.77%
Key West, FL (FHA\|USDA\|VA)	5	$1,325,000	$265,000	$7,154	5.68%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA\|USDA\|VA)	5	$1,245,000	$249,000	$8,589	6.10%
PANAMA CITY, FL (FHA\|USDA\|VA)	7	$1,225,000	$175,000	$6,675	7.00%
PORTLAND-SOUTH PORTLAND, ME (FHA\|USDA\|VA)	2	$1,170,000	$585,000	$7,306	6.25%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA\|USDA\|VA)	8	$1,110,000	$138,750	$4,730	7.36%
EUGENE-SPRINGFIELD, OR (FHA\|USDA\|VA)	3	$1,095,000	$365,000	$8,628	6.29%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA\|USDA\|VA)	7	$1,055,000	$150,714	$5,840	7.27%
YUBA CITY, CA (FHA\|USDA\|VA)	5	$1,045,000	$209,000	$7,150	6.40%
WILMINGTON, NC (FHA\|USDA\|VA)	3	$1,025,000	$341,667	$6,828	6.87%
PITTSBURGH, PA (FHA\|USDA\|VA)	8	$1,020,000	$127,500	$5,793	6.73%
OKLAHOMA CITY, OK (FHA\|USDA\|VA)	5	$1,015,000	$203,000	$6,157	6.85%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA\|USDA\|VA)	5	$1,015,000	$203,000	$6,149	7.22%
OLYMPIA-LACEY-TUMWATER, WA (FHA\|USDA\|VA)	4	$1,000,000	$250,000	$8,416	6.66%
RICHMOND, VA (FHA\|USDA\|VA)	3	$995,000	$331,667	$8,335	5.42%
Kalispell, MT (FHA\|USDA\|VA)	2	$970,000	$485,000	$11,276	5.75%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA\|USDA\|VA)	3	$925,000	$308,333	$5,637	6.96%
SALISBURY, MD-DE (FHA\|USDA\|VA)	4	$850,000	$212,500	$3,952	7.69%
Edwards, CO (FHA\|USDA\|VA)	2	$820,000	$410,000	$9,055	6.50%
BOISE CITY, ID (FHA\|USDA\|VA)	4	$800,000	$200,000	$6,520	6.78%
LONGVIEW, WA (FHA\|USDA\|VA)	1	$755,000	$755,000	$18,005	5.38%
PENSACOLA-FERRY PASS-BRENT, FL (FHA\|USDA\|VA)	4	$750,000	$187,500	$4,205	6.84%
Eureka-Arcata, CA (FHA\|USDA\|VA)	2	$750,000	$375,000	$9,317	6.13%
Boston-Cambridge-Newton, MA-NH (FHA\|USDA\|VA)	3	$745,000	$248,333	$6,298	6.29%
Aberdeen, WA (FHA\|USDA\|VA)	3	$745,000	$248,333	$7,948	7.25%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA\|USDA\|VA)	4	$730,000	$182,500	$5,769	7.47%
Torrington, CT (FHA\|USDA\|VA)	2	$720,000	$360,000	$11,587	6.50%
CHARLESTON-NORTH CHARLESTON, SC (FHA\|USDA\|VA)	3	$695,000	$231,667	$7,868	6.50%
REDDING, CA (FHA\|USDA\|VA)	4	$690,000	$172,500	$7,125	6.22%
AMARILLO, TX (FHA\|USDA\|VA)	1	$675,000	$675,000	$23,479	5.62%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA\|USDA\|VA)	2	$660,000	$330,000	$7,745	6.37%
GREENVILLE-ANDERSON, SC (FHA\|USDA\|VA)	2	$650,000	$325,000	$9,487	5.75%
SCRANTON--WILKES-BARRE, PA (FHA\|USDA\|VA)	1	$645,000	$645,000	$19,078	5.25%
PUNTA GORDA, FL (FHA\|USDA\|VA)	3	$645,000	$215,000	$6,923	6.67%
JACKSONVILLE, NC (FHA\|USDA\|VA)	1	$645,000	$645,000	$0	7.13%
MEMPHIS, TN-MS-AR (FHA\|USDA\|VA)	5	$625,000	$125,000	$6,654	6.52%
MILWAUKEE-WAUKESHA, WI (FHA\|USDA\|VA)	3	$605,000	$201,667	$6,071	6.58%
SPOKANE-SPOKANE VALLEY, WA (FHA\|USDA\|VA)	3	$605,000	$201,667	$5,668	6.50%
LAFAYETTE, LA (FHA\|USDA\|VA)	2	$600,000	$300,000	$10,867	6.50%
FAYETTEVILLE, NC (FHA\|USDA\|VA)	3	$595,000	$198,333	$6,344	6.50%
Kearney, NE (FHA\|USDA\|VA)	1	$595,000	$595,000	$12,039	6.13%
GRANTS PASS, OR (FHA\|USDA\|VA)	2	$570,000	$285,000	$0	6.56%
Ontario, OR-ID (FHA\|USDA\|VA)	1	$565,000	$565,000	$8,563	5.50%
KENNEWICK-RICHLAND, WA (FHA\|USDA\|VA)	2	$560,000	$280,000	$8,469	7.06%
LEBANON, PA (FHA\|USDA\|VA)	3	$555,000	$185,000	$2,697	6.50%
Coos Bay, OR (FHA\|USDA\|VA)	2	$540,000	$270,000	$4,388	7.44%
FLAGSTAFF, AZ (FHA\|USDA\|VA)	3	$525,000	$175,000	$5,442	6.58%
Sonora, CA (FHA\|USDA\|VA)	3	$515,000	$171,667	$9,197	6.71%
GRAND JUNCTION, CO (FHA\|USDA\|VA)	2	$500,000	$250,000	$7,094	7.06%
LOUISVILLE, KY (FHA\|USDA\|VA)	2	$490,000	$245,000	$4,515	7.00%
MADISON, WI (FHA\|USDA\|VA)	1	$485,000	$485,000	$12,514	5.50%
GREENSBORO-HIGH POINT, NC (FHA\|USDA\|VA)	2	$460,000	$230,000	$7,071	7.56%
Astoria, OR (FHA\|USDA\|VA)	2	$460,000	$230,000	$10,210	7.31%
OCALA, FL (FHA\|USDA\|VA)	3	$455,000	$151,667	$7,076	6.83%
Bennington, VT (FHA\|USDA\|VA)	1	$455,000	$455,000	$0	8.12%
DURHAM-CHAPEL HILL, NC (FHA\|USDA\|VA)	2	$450,000	$225,000	$6,918	6.31%
Steamboat Springs, CO (FHA\|USDA\|VA)	1	$445,000	$445,000	$7,575	6.88%
Brainerd, MN (FHA\|USDA\|VA)	2	$440,000	$220,000	$6,997	6.69%
Montrose, CO (FHA\|USDA\|VA)	1	$395,000	$395,000	$0	0.00%
ASHEVILLE, NC (FHA\|USDA\|VA)	2	$370,000	$185,000	$3,988	6.69%
LEXINGTON-FAYETTE, KY (FHA\|USDA\|VA)	2	$370,000	$185,000	$3,969	7.62%
Whitewater, WI (FHA\|USDA\|VA)	1	$365,000	$365,000	$6,600	5.88%
KNOXVILLE, TN (FHA\|USDA\|VA)	2	$360,000	$180,000	$3,171	6.88%
Newport, OR (FHA\|USDA\|VA)	2	$360,000	$180,000	$8,505	5.69%
VINELAND-BRIDGETON, NJ (FHA\|USDA\|VA)	1	$355,000	$355,000	$11,922	6.13%
Clearlake, CA (FHA\|USDA\|VA)	1	$345,000	$345,000	$11,808	7.38%
Brookings, OR (FHA\|USDA\|VA)	1	$345,000	$345,000	$3,981	7.25%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA\|USDA\|VA)	1	$335,000	$335,000	$3,720	6.25%
GAINESVILLE, GA (FHA\|USDA\|VA)	1	$315,000	$315,000	$6,378	5.50%
HOT SPRINGS, AR (FHA\|USDA\|VA)	2	$310,000	$155,000	$4,540	5.31%
SHERMAN-DENISON, TX (FHA\|USDA\|VA)	1	$305,000	$305,000	$9,045	5.50%
NORWICH-NEW LONDON, CT (FHA\|USDA\|VA)	1	$305,000	$305,000	$4,218	6.13%
ST. CLOUD, MN (FHA\|USDA\|VA)	1	$295,000	$295,000	$10,826	5.25%
Oil City, PA (FHA\|USDA\|VA)	1	$295,000	$295,000	$9,731	7.75%
READING, PA (FHA\|USDA\|VA)	1	$285,000	$285,000	$4,089	8.38%
Payson, AZ (FHA\|USDA\|VA)	1	$285,000	$285,000	$10,517	5.25%
CHEYENNE, WY (FHA\|USDA\|VA)	1	$275,000	$275,000	$1,953	7.75%
Shelton, WA (FHA\|USDA\|VA)	2	$270,000	$135,000	$4,647	7.06%
JONESBORO, AR (FHA\|USDA\|VA)	1	$265,000	$265,000	$3,142	7.00%
Nogales, AZ (FHA\|USDA\|VA)	1	$255,000	$255,000	$0	5.75%
IDAHO FALLS, ID (FHA\|USDA\|VA)	2	$250,000	$125,000	$5,539	7.19%
Show Low, AZ (FHA\|USDA\|VA)	1	$245,000	$245,000	$6,621	5.38%
MOBILE, AL (FHA\|USDA\|VA)	1	$235,000	$235,000	$3,157	7.25%
Pahrump, NV (FHA\|USDA\|VA)	1	$235,000	$235,000	$0	7.25%
HANFORD-CORCORAN, CA (FHA\|USDA\|VA)	1	$235,000	$235,000	$11,958	5.75%
LANSING-EAST LANSING, MI (FHA\|USDA\|VA)	1	$235,000	$235,000	$6,392	5.75%
CORVALLIS, OR (FHA\|USDA\|VA)	1	$235,000	$235,000	$6,725	5.25%
Lebanon, NH-VT (FHA\|USDA\|VA)	1	$225,000	$225,000	$2,520	7.13%
Sebastian-Vero Beach, FL (FHA\|USDA\|VA)	2	$220,000	$110,000	$5,627	4.88%
SEBRING-AVON PARK, FL (FHA\|USDA\|VA)	1	$215,000	$215,000	$3,475	8.13%
MIDLAND, TX (FHA\|USDA\|VA)	1	$215,000	$215,000	$10,196	6.38%
OSHKOSH-NEENAH, WI (FHA\|USDA\|VA)	1	$215,000	$215,000	$7,300	7.63%
AUBURN-OPELIKA, AL (FHA\|USDA\|VA)	1	$215,000	$215,000	$3,175	5.50%
Jefferson, GA (FHA\|USDA\|VA)	1	$215,000	$215,000	$2,958	5.63%
ODESSA, TX (FHA\|USDA\|VA)	1	$205,000	$205,000	$9,947	6.00%
Sevierville, TN (FHA\|USDA\|VA)	2	$200,000	$100,000	$5,027	6.63%
Traverse City, MI (FHA\|USDA\|VA)	1	$195,000	$195,000	$7,996	7.63%
GRAND RAPIDS-KENTWOOD, MI (FHA\|USDA\|VA)	1	$195,000	$195,000	$4,532	6.00%
COLUMBUS, IN (FHA\|USDA\|VA)	1	$185,000	$185,000	$4,745	6.13%
CHATTANOOGA, TN-GA (FHA\|USDA\|VA)	1	$185,000	$185,000	$3,901	7.50%
NILES, MI (FHA\|USDA\|VA)	1	$185,000	$185,000	$8,639	6.25%
Rochelle, IL (FHA\|USDA\|VA)	1	$175,000	$175,000	$7,789	4.88%
DECATUR, AL (FHA\|USDA\|VA)	1	$175,000	$175,000	$5,121	6.50%
CALIFORNIA-LEXINGTON PARK, MD (FHA\|USDA\|VA)	1	$175,000	$175,000	$8,646	7.38%
HARRISONBURG, VA (FHA\|USDA\|VA)	1	$165,000	$165,000	$2,333	6.13%
BURLINGTON, NC (FHA\|USDA\|VA)	1	$165,000	$165,000	$3,130	6.50%
KILLEEN-TEMPLE, TX (FHA\|USDA\|VA)	1	$155,000	$155,000	$5,552	8.13%
ST. LOUIS, MO-IL (FHA\|USDA\|VA)	1	$155,000	$155,000	$4,573	7.00%
COLUMBUS, GA-AL (FHA\|USDA\|VA)	1	$155,000	$155,000	$4,515	6.75%
ERIE, PA (FHA\|USDA\|VA)	1	$155,000	$155,000	$8,243	7.63%
CASPER, WY (FHA\|USDA\|VA)	1	$155,000	$155,000	$4,171	6.00%
Athens, TX (FHA\|USDA\|VA)	1	$155,000	$155,000	$3,642	6.13%
Red Bluff, CA (FHA\|USDA\|VA)	1	$155,000	$155,000	$0	6.88%
Alma, MI (FHA\|USDA\|VA)	1	$145,000	$145,000	$0	7.75%
Lewisburg, TN (FHA\|USDA\|VA)	1	$145,000	$145,000	$6,170	6.38%
HOUMA-THIBODAUX, LA (FHA\|USDA\|VA)	1	$145,000	$145,000	$4,446	7.25%
FORT WAYNE, IN (FHA\|USDA\|VA)	1	$145,000	$145,000	$3,853	7.38%
THE VILLAGES, FL (FHA\|USDA\|VA)	1	$145,000	$145,000	$4,833	6.00%
TUSCALOOSA, AL (FHA\|USDA\|VA)	1	$145,000	$145,000	$5,846	8.38%
YORK-HANOVER, PA (FHA\|USDA\|VA)	1	$145,000	$145,000	$0	6.88%
WALLA WALLA, WA (FHA\|USDA\|VA)	1	$135,000	$135,000	$3,892	5.88%
Fernley, NV (FHA\|USDA\|VA)	1	$135,000	$135,000	$5,463	7.13%
Vernal, UT (FHA\|USDA\|VA)	1	$135,000	$135,000	$4,203	6.88%
GETTYSBURG, PA (FHA\|USDA\|VA)	1	$125,000	$125,000	$4,853	7.88%
Morehead City, NC (FHA\|USDA\|VA)	1	$125,000	$125,000	$4,427	7.13%
ROANOKE, VA (FHA\|USDA\|VA)	1	$115,000	$115,000	$5,063	5.75%
HARRISBURG-CARLISLE, PA (FHA\|USDA\|VA)	1	$115,000	$115,000	$6,508	7.50%
Gardnerville Ranchos, NV (FHA\|USDA\|VA)	1	$115,000	$115,000	$5,675	8.13%
BILLINGS, MT (FHA\|USDA\|VA)	1	$115,000	$115,000	$5,541	7.88%
COLUMBIA, SC (FHA\|USDA\|VA)	1	$115,000	$115,000	$2,832	8.75%
DOVER, DE (FHA\|USDA\|VA)	1	$115,000	$115,000	$5,195	7.13%
MICHIGAN CITY-LA PORTE, IN (FHA\|USDA\|VA)	1	$115,000	$115,000	$2,754	7.38%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA\|USDA\|VA)	1	$105,000	$105,000	$2,821	6.75%
Ellensburg, WA (FHA\|USDA\|VA)	1	$105,000	$105,000	$6,437	5.87%
CARSON CITY, NV (FHA\|USDA\|VA)	1	$105,000	$105,000	$5,105	6.00%
PUEBLO, CO (FHA\|USDA\|VA)	1	$105,000	$105,000	$6,001	6.13%
Klamath Falls, OR (FHA\|USDA\|VA)	1	$95,000	$95,000	$6,317	6.38%
Ottawa, IL (FHA\|USDA\|VA)	1	$95,000	$95,000	$5,854	6.50%
Okeechobee, FL (FHA\|USDA\|VA)	1	$95,000	$95,000	$5,999	8.38%
FLINT, MI (FHA\|USDA\|VA)	1	$95,000	$95,000	$5,926	5.75%
Cornelia, GA (FHA\|USDA\|VA)	1	$85,000	$85,000	$4,840	8.88%
New Castle, PA (FHA\|USDA\|VA)	1	$75,000	$75,000	$5,797	8.13%
Pinehurst-Southern Pines, NC (FHA\|USDA\|VA)	1	$75,000	$75,000	$4,861	6.75%
WILLIAMSPORT, PA (FHA\|USDA\|VA)	1	$75,000	$75,000	$4,144	6.88%

Citadel Servicing Corporation's top markets include Los Angeles, San Francisco, Miami, Orlando, and San Diego among others.

Their top states include:

California (FHA|USDA|VA)

Florida (FHA|USDA|VA)

Texas (FHA|USDA|VA)

New Jersey (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	4,397	$1,814,775,000	$412,730	$9,771	6.30%

For 2019, Citadel Servicing Corporation's most frequently originated type of loan was Conventional, with 4,397 originations.

Loan Reason

Loan Reason	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Home Purchase	2,217	$823,905,000	$371,631	$9,606	6.40%
Cash Out Refi	1,492	$667,950,000	$447,688	$9,943	6.34%
Refi	687	$322,425,000	$469,323	$9,847	5.89%
Home Improvement	1	$495,000	$495,000	$4,431	8.75%

For 2019, Citadel Servicing Corporation's most frequently cited loan purpose was Home Purchase, with 2,217 originations. The 2nd most popular reason was Cash Out Refi, with 1,492 originations.

Loan Duration/Length

Loan Length	Originations	Total Value	Average Loan	Average Fees	Average Rate
30 Year	4,367	$1,793,885,000	$410,782	$9,750	6.30%
30+ year	29	$20,385,000	$702,931	$12,474	5.59%
5 Year	1	$505,000	$505,000	$8,110	6.99%

For 2019, Citadel Servicing Corporation's most frequently cited loan duration was 30 Year, with 4,367 originations. The 2nd most popular length was 30+ year, with 29 originations.

Origination Fees/Closing Costs

Origination Fee/Closing Cost	Originations	Total Value	Average Loan
$5k+	2,229	$1,060,225,000	$475,651
$1k-2k	566	$289,990,000	$512,350
$4k-5k	362	$68,920,000	$190,387
$<1k	278	$114,220,000	$410,863
$3k-4k	261	$45,405,000	$173,966
$2k-3k	140	$50,780,000	$362,714

Citadel Servicing Corporation's average total fees were $9,750, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 2,229 originations.

Interest Rates

Loan Rate	Originations	Total Value	Average Loan
6-7%	1,719	$667,505,000	$388,310
5-6%	1,474	$679,590,000	$461,052
7-8%	751	$257,405,000	$342,750
4-5%	321	$171,865,000	$535,405
Over 8%	126	$35,430,000	$281,190
3-4%	3	$2,235,000	$745,000

During 2019, Citadel Servicing Corporation's average interest rate for loans was 6.30%, while their most frequently originated rate bucket for loans was 6-7%, with 1,719 originations.

Loan Sizing

Loan Size	Originations	Total Value	Average Loan	Average Fees	Average Rate
$200k-400k	1,681	$483,115,000	$287,397	$8,532	6.31%
$100k-200k	1,118	$168,890,000	$151,064	$6,237	6.53%
$400k-600k	698	$338,780,000	$485,358	$10,818	6.18%
$600k-1MM	597	$462,765,000	$775,151	$13,200	5.98%
$1MM+	214	$353,430,000	$1,651,542	$24,197	6.02%
$100,000 or less	89	$7,795,000	$87,584	$5,135	6.94%

2019 saw Citadel Servicing Corporation place emphasis on $200k-400k loans with 1,681 originations, totaling $483,115,000 in origination value.

Applicant Income

Applicant Income	Originations	Total Value	Average Loan	Average Fees	Average Rate
$250k+	1,222	$813,080,000	$665,368	$12,753	6.21%
$150k-250k	1,023	$405,555,000	$396,437	$9,781	6.26%
$100k-150k	829	$250,795,000	$302,527	$8,524	6.33%
$50k or less	454	$110,090,000	$242,489	$7,118	6.21%
$75k-100k	388	$96,950,000	$249,871	$7,899	6.32%
$50k-75k	363	$70,825,000	$195,110	$7,034	6.49%

Citadel Servicing Corporation lent most frequently to those with incomes in the $250k+ range, with 1,222 originations. The second most popular income band? $150k-250k, with 1,023 originations.

Applicant Debt to Income Ratio

DTI Ratio	Originations	Total Value	Average Loan	Average Fees	Average Rate
<20%	1,166	$388,920,000	$333,551	$9,444	6.33%
20-30%	722	$296,780,000	$411,053	$9,805	6.35%
30-36%	575	$241,785,000	$420,496	$10,095	6.22%
49%	140	$58,410,000	$417,214	$8,753	6.28%
42%	134	$67,430,000	$503,209	$10,776	6.22%
48%	129	$52,975,000	$410,659	$9,008	6.41%
38%	129	$54,875,000	$425,388	$9,595	6.24%
36%	127	$61,325,000	$482,874	$10,053	6.13%
47%	125	$60,505,000	$484,040	$11,084	6.31%
40%	122	$63,350,000	$519,262	$10,396	6.31%
39%	122	$52,950,000	$434,016	$9,296	6.38%
44%	117	$57,185,000	$488,761	$10,431	6.20%
50-60%	115	$58,385,000	$507,696	$9,408	6.34%
45%	114	$52,220,000	$458,070	$8,812	6.30%
37%	113	$48,985,000	$433,496	$10,135	6.32%
46%	109	$51,655,000	$473,899	$9,535	6.30%
41%	109	$47,305,000	$433,991	$9,544	6.17%
43%	107	$48,625,000	$454,439	$8,779	6.21%
>60%	61	$13,685,000	$224,344	$7,634	5.91%

Citadel Servicing Corporation lent most frequently to those with DTI ratios of <20%, with 1,166 originations. The next most common DTI ratio? 20-30%, with 722 originations.

Ethnicity Mix

Applicant Ethnicity	Originations	Total Value	Average Loan	Average Fees	Average Rate
White	2,784	$1,145,760,000	$411,552	$9,749	6.32%
Asian	701	$305,965,000	$436,469	$9,433	6.08%
Not provided	516	$232,870,000	$451,298	$10,393	6.18%
Black	294	$88,020,000	$299,388	$9,422	6.62%
Not applicable	55	$25,785,000	$468,818	$16,894	7.04%
Native Hawaiian or Islander	20	$7,690,000	$384,500	$7,480	6.64%
American Indian	20	$5,180,000	$259,000	$7,943	6.55%
Korean	1	$1,405,000	$1,405,000	$31,224	5.25%
Filipino	2	$1,050,000	$525,000	$8,325	6.00%
Asian Indian	2	$540,000	$270,000	$5,518	7.00%
Other Asian	1	$345,000	$345,000	$7,196	8.38%
	1	$165,000	$165,000	$8,360	6.88%

Approval Rates

Total approvals of all applications
94.46%

Citadel Servicing Corporation has an average approval rate.

Pick Rate

Approvals leading to origination
33.70%

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
12157.5	1	$225,000	$225,000
128795.0	1	$3,005,000	$3,005,000
28511.0	1	$455,000	$455,000
76582.5	1	$1,475,000	$1,475,000
9695.0	1	$425,000	$425,000
NA	4,392	$1,809,190,000	$411,929

Occupancy Type Mix

Dwelling Type	Originations	Total Value	Average Loan
Multifamily:Site-Built	57	$36,005,000	$631,667
Single Family (1-4 Units):Manufactured	1	$245,000	$245,000
Single Family (1-4 Units):Site-Built	4,339	$1,778,525,000	$409,893

LTV Distribution

Loan to Value	Originations	Total Value	Average Loan	Average Fees	Average Rate
20-40%	198	$76,110,000	$384,394	$9,120	5.90%
40-60%	826	$363,480,000	$440,048	$10,310	5.92%
60-80%	3,016	$1,231,820,000	$408,428	$9,833	6.38%
80-100%	334	$136,870,000	$409,790	$8,609	6.84%
Under 20%	22	$6,260,000	$284,545	$7,392	5.61%