Citadel Servicing Corporation Mortgage Rates, Fees & Info

Irvine, CA

LEI: 254900E6AIE4Z8YQM970

Tax ID: 20-8006279

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Mortgage 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, Miami, Phoenix, San Francisco, and Riverside among others. We have data for 313 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% 12/17/24
30 Year Conventional Refi 8.42% 12/17/24
30 Year Cash-out Refi 8.86% 12/17/24
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






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

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

4,544

Origination Dollar Volume (All Markets)

$1,941,490,000

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) 285 $221,865,000 $778,474 $16,779 6.14%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 491 $217,385,000 $442,739 $18,077 6.91%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 194 $94,120,000 $485,155 $12,582 6.74%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 93 $78,675,000 $845,968 $20,210 5.87%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 160 $69,230,000 $432,688 $14,478 6.69%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 206 $60,730,000 $294,806 $13,619 6.95%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 76 $57,960,000 $762,632 $16,561 6.03%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 102 $55,000,000 $539,216 $16,011 7.14%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 185 $53,225,000 $287,703 $12,567 6.93%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 131 $47,265,000 $360,802 $12,235 7.24%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 92 $46,940,000 $510,217 $15,866 6.54%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 122 $45,530,000 $373,197 $12,194 6.82%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 92 $38,580,000 $419,348 $14,198 7.07%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 141 $38,525,000 $273,227 $10,921 7.12%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 75 $35,785,000 $477,133 $15,239 6.49%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 30 $32,790,000 $1,093,000 $21,754 6.19%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 49 $30,945,000 $631,531 $15,342 6.20%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 103 $29,905,000 $290,340 $12,138 7.36%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 53 $27,735,000 $523,302 $12,220 6.68%
JACKSONVILLE, FL (FHA|USDA|VA) 56 $18,660,000 $333,214 $13,195 7.57%
Outside of Metro Areas 56 $18,110,000 $323,393 $10,733 7.05%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 37 $17,915,000 $484,189 $12,355 6.87%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 17 $17,045,000 $1,002,647 $23,317 7.62%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 74 $15,220,000 $205,676 $10,639 7.11%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 26 $15,020,000 $577,692 $37,782 6.51%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 26 $14,490,000 $557,308 $25,405 7.00%
STOCKTON, CA (FHA|USDA|VA) 32 $14,480,000 $452,500 $12,930 6.54%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 43 $13,255,000 $308,256 $12,001 7.16%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 24 $13,230,000 $551,250 $15,336 7.17%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 45 $12,545,000 $278,778 $12,213 7.20%
PROVO-OREM, UT (FHA|USDA|VA) 21 $12,525,000 $596,429 $14,850 5.94%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 53 $12,085,000 $228,019 $10,867 7.27%
SALT LAKE CITY, UT (FHA|USDA|VA) 31 $11,675,000 $376,613 $11,694 6.71%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 43 $11,445,000 $266,163 $11,055 7.81%
TUCSON, AZ (FHA|USDA|VA) 39 $11,115,000 $285,000 $12,513 7.44%
Heber, UT (FHA|USDA|VA) 21 $10,315,000 $491,190 $21,964 5.25%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 31 $10,275,000 $331,452 $10,864 7.01%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 22 $9,920,000 $450,909 $14,616 7.37%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 18 $9,850,000 $547,222 $20,202 8.28%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 14 $9,150,000 $653,571 $16,499 6.65%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 14 $9,100,000 $650,000 $22,642 6.74%
MODESTO, CA (FHA|USDA|VA) 22 $9,050,000 $411,364 $12,934 7.10%
Hilo, HI (FHA|USDA|VA) 6 $7,950,000 $1,325,000 $0 6.31%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 18 $7,900,000 $438,889 $19,466 7.00%
ST. GEORGE, UT (FHA|USDA|VA) 12 $7,740,000 $645,000 $10,228 6.57%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 26 $7,540,000 $290,000 $14,413 7.96%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 21 $7,465,000 $355,476 $16,429 6.41%
PANAMA CITY, FL (FHA|USDA|VA) 25 $7,435,000 $297,400 $9,972 6.34%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 18 $7,340,000 $407,778 $10,950 6.85%
URBAN HONOLULU, HI (FHA|USDA|VA) 21 $7,055,000 $335,952 $0 7.99%
RALEIGH-CARY, NC (FHA|USDA|VA) 16 $6,890,000 $430,625 $12,824 7.52%
Key West, FL (FHA|USDA|VA) 12 $6,570,000 $547,500 $13,497 6.55%
NAPA, CA (FHA|USDA|VA) 6 $6,240,000 $1,040,000 $35,551 6.92%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 9 $5,915,000 $657,222 $18,415 7.11%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 20 $5,720,000 $286,000 $10,292 6.54%
PORT ST. LUCIE, FL (FHA|USDA|VA) 25 $5,495,000 $219,800 $8,443 6.81%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 8 $5,240,000 $655,000 $6,926 7.36%
OCALA, FL (FHA|USDA|VA) 21 $4,965,000 $236,429 $14,580 7.52%
SALINAS, CA (FHA|USDA|VA) 8 $4,520,000 $565,000 $14,737 6.22%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 10 $4,380,000 $438,000 $12,651 5.60%
Gardnerville Ranchos, NV (FHA|USDA|VA) 5 $4,375,000 $875,000 $9,694 6.40%
SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 6 $4,260,000 $710,000 $12,852 6.77%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 12 $4,220,000 $351,667 $12,056 7.10%
KANSAS CITY, MO-KS (FHA|USDA|VA) 17 $4,055,000 $238,529 $10,749 6.31%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 15 $3,995,000 $266,333 $10,774 6.90%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 17 $3,895,000 $229,118 $8,161 7.15%
PUNTA GORDA, FL (FHA|USDA|VA) 14 $3,860,000 $275,714 $14,274 7.49%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 10 $3,830,000 $383,000 $15,751 7.25%
BAKERSFIELD, CA (FHA|USDA|VA) 16 $3,790,000 $236,875 $10,860 6.70%
VALLEJO, CA (FHA|USDA|VA) 9 $3,755,000 $417,222 $15,678 6.71%
OKLAHOMA CITY, OK (FHA|USDA|VA) 15 $3,665,000 $244,333 $12,870 7.59%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 9 $3,585,000 $398,333 $6,832 7.25%
Truckee-Grass Valley, CA (FHA|USDA|VA) 7 $3,505,000 $500,714 $12,297 6.27%
FRESNO, CA (FHA|USDA|VA) 13 $3,445,000 $265,000 $8,702 6.94%
Astoria, OR (FHA|USDA|VA) 8 $3,440,000 $430,000 $16,382 7.52%
SAVANNAH, GA (FHA|USDA|VA) 9 $3,435,000 $381,667 $11,723 6.92%
Outside of Metro Areas 6 $3,430,000 $571,667 $14,641 6.19%
Jackson, WY-ID (FHA|USDA|VA) 2 $3,270,000 $1,635,000 $23,298 5.38%
KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) 7 $3,185,000 $455,000 $0 6.04%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 6 $3,060,000 $510,000 $7,927 5.62%
GREELEY, CO (FHA|USDA|VA) 7 $2,955,000 $422,143 $23,093 6.84%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 8 $2,780,000 $347,500 $13,651 7.97%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 12 $2,750,000 $229,167 $8,507 7.03%
COLORADO SPRINGS, CO (FHA|USDA|VA) 5 $2,685,000 $537,000 $12,406 8.37%
BOISE CITY, ID (FHA|USDA|VA) 7 $2,665,000 $380,714 $11,443 7.91%
FLAGSTAFF, AZ (FHA|USDA|VA) 5 $2,625,000 $525,000 $14,224 5.67%
MADERA, CA (FHA|USDA|VA) 5 $2,625,000 $525,000 $9,721 8.15%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 10 $2,440,000 $244,000 $7,801 7.24%
Show Low, AZ (FHA|USDA|VA) 6 $2,430,000 $405,000 $7,793 7.33%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 10 $2,370,000 $237,000 $9,291 7.75%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 9 $2,345,000 $260,556 $8,466 6.21%
WILMINGTON, NC (FHA|USDA|VA) 5 $2,325,000 $465,000 $0 7.60%
MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 10 $2,240,000 $224,000 $10,396 7.44%
CORPUS CHRISTI, TX (FHA|USDA|VA) 6 $2,200,000 $366,667 $17,074 5.67%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 7 $2,155,000 $307,857 $11,062 6.73%
RENO, NV (FHA|USDA|VA) 4 $2,110,000 $527,500 $9,036 6.66%
MEDFORD, OR (FHA|USDA|VA) 4 $2,090,000 $522,500 $15,529 6.37%
COLUMBUS, OH (FHA|USDA|VA) 8 $2,020,000 $252,500 $10,273 8.08%
Kapaa, HI (FHA|USDA|VA) 4 $1,940,000 $485,000 $0 6.50%
OCEAN CITY, NJ (FHA|USDA|VA) 2 $1,920,000 $960,000 $12,662 5.81%
Prineville, OR (FHA|USDA|VA) 2 $1,880,000 $940,000 $22,567 6.13%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 5 $1,825,000 $365,000 $9,237 7.65%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 6 $1,790,000 $298,333 $9,824 8.44%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 3 $1,765,000 $588,333 $0 8.38%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 9 $1,735,000 $192,778 $4,713 8.29%
PITTSBURGH, PA (FHA|USDA|VA) 7 $1,725,000 $246,429 $12,231 6.43%
DAYTON-KETTERING, OH (FHA|USDA|VA) 4 $1,720,000 $430,000 $11,011 7.59%
Glenwood Springs, CO (FHA|USDA|VA) 2 $1,710,000 $855,000 $19,430 8.06%
Edwards, CO (FHA|USDA|VA) 2 $1,680,000 $840,000 $19,975 7.13%
YUBA CITY, CA (FHA|USDA|VA) 5 $1,675,000 $335,000 $11,277 7.20%
ST. LOUIS, MO-IL (FHA|USDA|VA) 9 $1,675,000 $186,111 $10,925 7.40%
RICHMOND, VA (FHA|USDA|VA) 7 $1,645,000 $235,000 $6,660 6.18%
MERCED, CA (FHA|USDA|VA) 6 $1,630,000 $271,667 $12,339 6.25%
FORT COLLINS, CO (FHA|USDA|VA) 2 $1,630,000 $815,000 $23,095 6.69%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 7 $1,545,000 $220,714 $10,241 7.98%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 8 $1,530,000 $191,250 $9,777 7.75%
VISALIA, CA (FHA|USDA|VA) 5 $1,505,000 $301,000 $18,654 7.55%
EL CENTRO, CA (FHA|USDA|VA) 7 $1,475,000 $210,714 $0 7.46%
EL PASO, TX (FHA|USDA|VA) 6 $1,470,000 $245,000 $14,015 5.90%
CHICO, CA (FHA|USDA|VA) 4 $1,460,000 $365,000 $12,716 4.63%
ASHEVILLE, NC (FHA|USDA|VA) 5 $1,415,000 $283,000 $6,936 6.13%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 7 $1,395,000 $199,286 $7,526 8.52%
SALISBURY, MD-DE (FHA|USDA|VA) 5 $1,385,000 $277,000 $12,059 7.58%
SALEM, OR (FHA|USDA|VA) 6 $1,370,000 $228,333 $8,698 8.02%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 5 $1,335,000 $267,000 $9,379 7.60%
Clearlake, CA (FHA|USDA|VA) 6 $1,320,000 $220,000 $8,815 7.94%
Fredericksburg, TX (FHA|USDA|VA) 2 $1,310,000 $655,000 $11,305 6.38%
FAYETTEVILLE, NC (FHA|USDA|VA) 7 $1,285,000 $183,571 $0 8.70%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 6 $1,280,000 $213,333 $8,714 8.19%
Boone, NC (FHA|USDA|VA) 1 $1,195,000 $1,195,000 $22,386 4.62%
BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 5 $1,185,000 $237,000 $9,657 7.68%
WINSTON-SALEM, NC (FHA|USDA|VA) 2 $1,180,000 $590,000 $13,940 6.38%
MANCHESTER-NASHUA, NH (FHA|USDA|VA) 2 $1,160,000 $580,000 $6,415 5.25%
Sevierville, TN (FHA|USDA|VA) 3 $1,135,000 $378,333 $9,825 6.29%
Bozeman, MT (FHA|USDA|VA) 2 $1,120,000 $560,000 $18,037 5.69%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 6 $1,120,000 $186,667 $8,680 7.71%
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 2 $1,110,000 $555,000 $6,854 7.31%
Whitewater, WI (FHA|USDA|VA) 3 $1,105,000 $368,333 $4,066 6.54%
ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 4 $1,090,000 $272,500 $6,249 6.16%
LOUISVILLE, KY (FHA|USDA|VA) 2 $1,060,000 $530,000 $22,877 7.87%
BELLINGHAM, WA (FHA|USDA|VA) 2 $1,060,000 $530,000 $12,600 6.00%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 7 $1,055,000 $150,714 $8,250 8.23%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 4 $980,000 $245,000 $11,177 6.91%
Rockport, TX (FHA|USDA|VA) 3 $975,000 $325,000 $10,979 8.71%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 4 $960,000 $240,000 $0 6.56%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 2 $960,000 $480,000 $7,646 6.50%
YAKIMA, WA (FHA|USDA|VA) 6 $940,000 $156,667 $7,791 8.00%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 6 $940,000 $156,667 $8,124 7.85%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 4 $890,000 $222,500 $0 7.19%
ANN ARBOR, MI (FHA|USDA|VA) 3 $885,000 $295,000 $6,419 6.79%
READING, PA (FHA|USDA|VA) 5 $845,000 $169,000 $15,924 8.45%
Pinehurst-Southern Pines, NC (FHA|USDA|VA) 1 $825,000 $825,000 $12,347 7.38%
TULSA, OK (FHA|USDA|VA) 6 $820,000 $136,667 $0 5.69%
ST. CLOUD, MN (FHA|USDA|VA) 3 $815,000 $271,667 $16,021 6.17%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 4 $780,000 $195,000 $6,706 7.34%
MUSKEGON, MI (FHA|USDA|VA) 2 $780,000 $390,000 $11,965 8.31%
NORWICH-NEW LONDON, CT (FHA|USDA|VA) 3 $765,000 $255,000 $8,354 8.29%
BEND, OR (FHA|USDA|VA) 2 $760,000 $380,000 $15,686 9.00%
Breckenridge, CO (FHA|USDA|VA) 1 $755,000 $755,000 $0 8.88%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 2 $750,000 $375,000 $6,325 7.00%
MORRISTOWN, TN (FHA|USDA|VA) 2 $740,000 $370,000 $11,123 7.50%
Stephenville, TX (FHA|USDA|VA) 1 $715,000 $715,000 $19,398 8.62%
Frankfort, KY (FHA|USDA|VA) 2 $710,000 $355,000 $5,273 8.94%
HUNTSVILLE, AL (FHA|USDA|VA) 4 $710,000 $177,500 $5,698 6.75%
WORCESTER, MA-CT (FHA|USDA|VA) 2 $690,000 $345,000 $0 8.56%
HAMMOND, LA (FHA|USDA|VA) 1 $675,000 $675,000 $0 7.50%
CaƱon City, CO (FHA|USDA|VA) 2 $670,000 $335,000 $5,964 6.81%
Moses Lake, WA (FHA|USDA|VA) 3 $665,000 $221,667 $8,588 6.83%
Tullahoma-Manchester, TN (FHA|USDA|VA) 2 $650,000 $325,000 $7,505 6.83%
Payson, AZ (FHA|USDA|VA) 4 $650,000 $162,500 $8,013 6.75%
Hermiston-Pendleton, OR (FHA|USDA|VA) 4 $640,000 $160,000 $7,460 6.19%
LANCASTER, PA (FHA|USDA|VA) 2 $640,000 $320,000 $17,953 6.94%
BOULDER, CO (FHA|USDA|VA) 1 $635,000 $635,000 $3,308 8.38%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 3 $625,000 $208,333 $5,735 7.17%
LUBBOCK, TX (FHA|USDA|VA) 3 $625,000 $208,333 $11,313 6.67%
Hailey, ID (FHA|USDA|VA) 1 $625,000 $625,000 $15,494 7.88%
Granbury, TX (FHA|USDA|VA) 2 $620,000 $310,000 $17,507 8.56%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 3 $615,000 $205,000 $7,828 7.54%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 3 $605,000 $201,667 $0 8.00%
Othello, WA (FHA|USDA|VA) 2 $600,000 $300,000 $9,628 8.06%
GRAND JUNCTION, CO (FHA|USDA|VA) 1 $595,000 $595,000 $10,461 7.75%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 2 $580,000 $290,000 $0 9.31%
SPARTANBURG, SC (FHA|USDA|VA) 2 $580,000 $290,000 $11,327 7.00%
Lebanon, NH-VT (FHA|USDA|VA) 1 $565,000 $565,000 $0 7.63%
Ellensburg, WA (FHA|USDA|VA) 2 $560,000 $280,000 $0 4.50%
COLUMBUS, GA-AL (FHA|USDA|VA) 2 $540,000 $270,000 $11,575 6.13%
ROCKFORD, IL (FHA|USDA|VA) 4 $540,000 $135,000 $6,498 7.25%
Findlay, OH (FHA|USDA|VA) 1 $535,000 $535,000 $9,142 5.00%
Kalispell, MT (FHA|USDA|VA) 2 $520,000 $260,000 $8,531 5.50%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 2 $520,000 $260,000 $7,622 8.56%
CARSON CITY, NV (FHA|USDA|VA) 1 $515,000 $515,000 $0 6.63%
ALBANY-LEBANON, OR (FHA|USDA|VA) 3 $515,000 $171,667 $0 8.83%
Durant, OK (FHA|USDA|VA) 3 $485,000 $161,667 $0 5.00%
EAST STROUDSBURG, PA (FHA|USDA|VA) 3 $455,000 $151,667 $0 8.08%
Mineral Wells, TX (FHA|USDA|VA) 1 $455,000 $455,000 $14,739 5.00%
WENATCHEE, WA (FHA|USDA|VA) 2 $450,000 $225,000 $7,843 7.81%
CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) 2 $440,000 $220,000 $5,931 5.31%
Gaffney, SC (FHA|USDA|VA) 1 $435,000 $435,000 $16,791 10.38%
SHEBOYGAN, WI (FHA|USDA|VA) 3 $425,000 $141,667 $0 6.83%
Morehead City, NC (FHA|USDA|VA) 1 $425,000 $425,000 $3,972 6.38%
BARNSTABLE TOWN, MA (FHA|USDA|VA) 1 $425,000 $425,000 $0 12.00%
GREEN BAY, WI (FHA|USDA|VA) 3 $425,000 $141,667 $0 6.63%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 2 $420,000 $210,000 $3,128 7.94%
LAWTON, OK (FHA|USDA|VA) 1 $415,000 $415,000 $12,765 11.00%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 3 $405,000 $135,000 $0 9.37%
LONGVIEW, WA (FHA|USDA|VA) 1 $385,000 $385,000 $18,146 7.38%
Vernal, UT (FHA|USDA|VA) 1 $385,000 $385,000 $9,594 10.50%
SEBRING-AVON PARK, FL (FHA|USDA|VA) 2 $380,000 $190,000 $0 8.44%
Crossville, TN (FHA|USDA|VA) 1 $375,000 $375,000 $12,643 7.62%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 2 $370,000 $185,000 $7,482 8.44%
Susanville, CA (FHA|USDA|VA) 1 $365,000 $365,000 $10,971 8.00%
YORK-HANOVER, PA (FHA|USDA|VA) 1 $365,000 $365,000 $13,355 8.50%
Iron Mountain, MI-WI (FHA|USDA|VA) 1 $355,000 $355,000 $19,104 7.13%
Palatka, FL (FHA|USDA|VA) 1 $355,000 $355,000 $0 7.88%
ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 2 $350,000 $175,000 $0 9.81%
Cedar City, UT (FHA|USDA|VA) 1 $345,000 $345,000 $7,747 5.38%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 1 $345,000 $345,000 $0 9.25%
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 2 $340,000 $170,000 $10,151 5.00%
Laconia, NH (FHA|USDA|VA) 1 $335,000 $335,000 $3,514 6.75%
CANTON-MASSILLON, OH (FHA|USDA|VA) 3 $335,000 $111,667 $5,503 8.83%
Port Angeles, WA (FHA|USDA|VA) 1 $335,000 $335,000 $12,888 3.88%
La Grande, OR (FHA|USDA|VA) 1 $325,000 $325,000 $13,903 7.00%
TALLAHASSEE, FL (FHA|USDA|VA) 3 $325,000 $108,333 $0 8.92%
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 1 $325,000 $325,000 $13,813 9.63%
GAINESVILLE, GA (FHA|USDA|VA) 1 $315,000 $315,000 $0 7.88%
BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) 1 $315,000 $315,000 $14,586 4.38%
WICHITA, KS (FHA|USDA|VA) 2 $310,000 $155,000 $7,297 7.31%
SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) 1 $305,000 $305,000 $0 8.13%
Greeneville, TN (FHA|USDA|VA) 1 $305,000 $305,000 $7,108 5.50%
Talladega-Sylacauga, AL (FHA|USDA|VA) 2 $300,000 $150,000 $0 7.69%
Georgetown, SC (FHA|USDA|VA) 1 $295,000 $295,000 $0 7.25%
TOLEDO, OH (FHA|USDA|VA) 1 $295,000 $295,000 $11,633 6.25%
Nogales, AZ (FHA|USDA|VA) 1 $285,000 $285,000 $0 7.88%
Taos, NM (FHA|USDA|VA) 1 $285,000 $285,000 $0 8.25%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 1 $285,000 $285,000 $0 9.75%
MANSFIELD, OH (FHA|USDA|VA) 1 $285,000 $285,000 $3,371 9.00%
IDAHO FALLS, ID (FHA|USDA|VA) 1 $285,000 $285,000 $16,072 8.63%
VINELAND-BRIDGETON, NJ (FHA|USDA|VA) 2 $280,000 $140,000 $0 8.44%
BURLINGTON, NC (FHA|USDA|VA) 1 $275,000 $275,000 $0 7.38%
AUBURN-OPELIKA, AL (FHA|USDA|VA) 2 $270,000 $135,000 $4,964 9.06%
AMARILLO, TX (FHA|USDA|VA) 1 $265,000 $265,000 $0 7.88%
Brainerd, MN (FHA|USDA|VA) 1 $265,000 $265,000 $11,769 9.00%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 1 $265,000 $265,000 $0 7.13%
GAINESVILLE, FL (FHA|USDA|VA) 2 $260,000 $130,000 $4,625 7.25%
Ukiah, CA (FHA|USDA|VA) 1 $255,000 $255,000 $0 4.25%
Waycross, GA (FHA|USDA|VA) 1 $255,000 $255,000 $9,845 5.50%
LAKE CHARLES, LA (FHA|USDA|VA) 1 $255,000 $255,000 $4,448 9.75%
TWIN FALLS, ID (FHA|USDA|VA) 1 $255,000 $255,000 $8,420 6.13%
Meadville, PA (FHA|USDA|VA) 1 $255,000 $255,000 $14,002 8.38%
Pahrump, NV (FHA|USDA|VA) 2 $250,000 $125,000 $5,150 9.56%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 2 $250,000 $125,000 $0 5.25%
New Castle, PA (FHA|USDA|VA) 1 $245,000 $245,000 $10,011 5.50%
BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 2 $240,000 $120,000 $0 8.19%
London, KY (FHA|USDA|VA) 1 $235,000 $235,000 $7,728 9.63%
COLUMBIA, SC (FHA|USDA|VA) 2 $230,000 $115,000 $5,242 9.88%
ALTOONA, PA (FHA|USDA|VA) 2 $230,000 $115,000 $3,424 7.50%
ROANOKE, VA (FHA|USDA|VA) 1 $225,000 $225,000 $10,092 7.88%
Newport, OR (FHA|USDA|VA) 1 $225,000 $225,000 $0 7.88%
CHARLOTTESVILLE, VA (FHA|USDA|VA) 1 $215,000 $215,000 $0 5.13%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 2 $210,000 $105,000 $6,532 8.06%
MUNCIE, IN (FHA|USDA|VA) 1 $205,000 $205,000 $7,407 7.63%
LOGAN, UT-ID (FHA|USDA|VA) 1 $205,000 $205,000 $11,803 5.63%
Aberdeen, WA (FHA|USDA|VA) 1 $205,000 $205,000 $8,910 5.25%
MOBILE, AL (FHA|USDA|VA) 1 $195,000 $195,000 $9,459 5.25%
Roseburg, OR (FHA|USDA|VA) 1 $195,000 $195,000 $0 4.38%
CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 1 $195,000 $195,000 $8,030 10.13%
Elko, NV (FHA|USDA|VA) 1 $185,000 $185,000 $0 8.63%
JACKSON, MI (FHA|USDA|VA) 1 $185,000 $185,000 $7,763 4.62%
MACON-BIBB COUNTY, GA (FHA|USDA|VA) 1 $175,000 $175,000 $6,850 8.00%
FORT SMITH, AR-OK (FHA|USDA|VA) 1 $175,000 $175,000 $6,969 8.13%
WALLA WALLA, WA (FHA|USDA|VA) 1 $175,000 $175,000 $7,323 8.00%
SPRINGFIELD, IL (FHA|USDA|VA) 1 $175,000 $175,000 $4,519 9.00%
BATTLE CREEK, MI (FHA|USDA|VA) 1 $175,000 $175,000 $0 7.38%
MIDLAND, TX (FHA|USDA|VA) 1 $175,000 $175,000 $0 7.50%
Ottawa, IL (FHA|USDA|VA) 1 $175,000 $175,000 $0 7.50%
Paris, TN (FHA|USDA|VA) 1 $175,000 $175,000 $5,112 4.88%
LYNCHBURG, VA (FHA|USDA|VA) 1 $175,000 $175,000 $8,162 5.75%
Washington Court House, OH (FHA|USDA|VA) 1 $165,000 $165,000 $0 7.38%
Calhoun, GA (FHA|USDA|VA) 1 $165,000 $165,000 $4,167 8.75%
Richmond-Berea, KY (FHA|USDA|VA) 1 $165,000 $165,000 $7,044 7.75%
AKRON, OH (FHA|USDA|VA) 1 $165,000 $165,000 $0 7.50%
CUMBERLAND, MD-WV (FHA|USDA|VA) 1 $165,000 $165,000 $0 7.63%
MANHATTAN, KS (FHA|USDA|VA) 1 $165,000 $165,000 $6,717 7.75%
GREENVILLE, NC (FHA|USDA|VA) 1 $165,000 $165,000 $0 6.13%
Jamestown-Dunkirk-Fredonia, NY (FHA|USDA|VA) 1 $165,000 $165,000 $0 4.88%
DECATUR, AL (FHA|USDA|VA) 1 $155,000 $155,000 $0 4.75%
Pottsville, PA (FHA|USDA|VA) 1 $155,000 $155,000 $8,568 8.88%
LAFAYETTE, LA (FHA|USDA|VA) 1 $155,000 $155,000 $7,600 4.63%
POCATELLO, ID (FHA|USDA|VA) 1 $155,000 $155,000 $9,086 9.63%
Indiana, PA (FHA|USDA|VA) 1 $145,000 $145,000 $9,207 7.50%
Lufkin, TX (FHA|USDA|VA) 1 $145,000 $145,000 $3,732 9.75%
Bay City, TX (FHA|USDA|VA) 1 $135,000 $135,000 $7,395 10.37%
Albemarle, NC (FHA|USDA|VA) 1 $135,000 $135,000 $0 9.63%
Hood River, OR (FHA|USDA|VA) 1 $135,000 $135,000 $7,318 8.75%
Lake City, FL (FHA|USDA|VA) 1 $135,000 $135,000 $0 6.38%
FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) 1 $135,000 $135,000 $5,526 11.00%
LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 1 $125,000 $125,000 $0 5.75%
DALTON, GA (FHA|USDA|VA) 1 $125,000 $125,000 $8,141 10.75%
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 1 $125,000 $125,000 $0 5.88%
Torrington, CT (FHA|USDA|VA) 1 $125,000 $125,000 $7,070 4.50%
ERIE, PA (FHA|USDA|VA) 1 $125,000 $125,000 $8,343 7.13%
BATON ROUGE, LA (FHA|USDA|VA) 1 $125,000 $125,000 $0 8.00%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 1 $115,000 $115,000 $5,679 8.63%
Alma, MI (FHA|USDA|VA) 1 $115,000 $115,000 $0 4.75%
Mount Vernon, OH (FHA|USDA|VA) 1 $105,000 $105,000 $0 11.25%
ST. JOSEPH, MO-KS (FHA|USDA|VA) 1 $105,000 $105,000 $0 7.63%
Warsaw, IN (FHA|USDA|VA) 1 $105,000 $105,000 $5,225 7.63%
Fremont, OH (FHA|USDA|VA) 1 $105,000 $105,000 $5,699 11.25%
HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 1 $105,000 $105,000 $0 7.50%
Sanford, NC (FHA|USDA|VA) 1 $105,000 $105,000 $6,039 9.00%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 1 $105,000 $105,000 $0 7.88%
Ponca City, OK (FHA|USDA|VA) 1 $105,000 $105,000 $5,388 6.63%
MONTGOMERY, AL (FHA|USDA|VA) 1 $105,000 $105,000 $0 7.50%
Citadel Servicing Corporation's top markets include Los Angeles, Miami, Phoenix, San Francisco, and Riverside 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 4,544 $1,941,490,000 $427,265 $13,879 6.91%

    For 2022, Citadel Servicing Corporation's most frequently originated type of loan was Conventional, with 4,544 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 2,686 $1,105,310,000 $411,508 $13,951 7.06%
    Cash Out Refi 1,591 $713,715,000 $448,595 $13,957 6.77%
    Refi 266 $122,250,000 $459,586 $12,952 6.23%
    NA 1 $215,000 $215,000 $0 11.00%

    For 2022, Citadel Servicing Corporation's most frequently cited loan purpose was Home Purchase, with 2,686 originations. The 2nd most popular reason was Cash Out Refi, with 1,591 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 4,448 $1,863,860,000 $419,033 $13,776 6.90%
    30+ year 96 $77,630,000 $808,646 $21,201 7.50%

    For 2022, Citadel Servicing Corporation's most frequently cited loan duration was 30 Year, with 4,448 originations. The 2nd most popular length was 30+ year, with 96 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $5k+ 1,529 $839,275,000 $548,905
    $1k-2k 180 $116,340,000 $646,333
    $4k-5k 119 $24,075,000 $202,311
    $3k-4k 76 $14,240,000 $187,368
    $2k-3k 27 $4,875,000 $180,556
    $<1k 9 $5,695,000 $632,778

    Citadel Servicing Corporation's average total fees were $13,776, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 1,529 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    Over 8% 1,164 $422,700,000 $363,144
    7-8% 1,058 $438,290,000 $414,263
    6-7% 812 $371,880,000 $457,980
    5-6% 687 $297,975,000 $433,734
    4-5% 614 $291,990,000 $475,554
    3-4% 208 $118,540,000 $569,904

    During 2022, Citadel Servicing Corporation's average interest rate for loans was 6.90%, while their most frequently originated rate bucket for loans was Over 8%, with 1,164 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 1,810 $517,300,000 $285,801 $10,556 6.88%
    $100k-200k 1,165 $177,575,000 $152,425 $7,270 7.33%
    $400k-600k 691 $336,255,000 $486,621 $13,768 6.67%
    $600k-1MM 509 $389,755,000 $765,727 $18,010 6.56%
    $1MM+ 338 $517,660,000 $1,531,538 $30,294 6.47%
    $100,000 or less 31 $2,945,000 $95,000 $5,927 8.13%

    2022 saw Citadel Servicing Corporation place emphasis on $200k-400k loans with 1,810 originations, totaling $517,300,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 2,041 $662,035,000 $324,368 $9,476 6.76%
    $250k+ 719 $599,585,000 $833,915 $19,392 6.94%
    $150k-250k 416 $204,030,000 $490,457 $13,954 6.85%
    $100k-150k 394 $143,580,000 $364,416 $11,715 6.83%
    $50k-75k 272 $66,470,000 $244,375 $8,836 6.73%
    $75k-100k 238 $68,550,000 $288,025 $10,406 6.83%

    Citadel Servicing Corporation lent most frequently to those with incomes in the $50k or less range, with 2,041 originations. The second most popular income band? $250k+, with 719 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    <20% 2,258 $861,710,000 $381,625 $14,967 6.89%
    20-30% 397 $201,745,000 $508,174 $14,716 6.66%
    >60% 327 $91,195,000 $278,884 $0 6.49%
    30-36% 273 $127,385,000 $466,612 $13,438 6.83%
    49% 131 $67,885,000 $518,206 $13,841 7.36%
    48% 93 $53,535,000 $575,645 $14,419 7.00%
    47% 86 $45,960,000 $534,419 $13,945 6.87%
    45% 84 $44,470,000 $529,405 $13,834 6.93%
    44% 83 $43,555,000 $524,759 $13,736 6.75%
    50-60% 81 $37,745,000 $465,988 $12,609 7.39%
    41% 76 $35,770,000 $470,658 $13,938 7.02%
    43% 68 $33,830,000 $497,500 $13,214 6.86%
    46% 68 $33,830,000 $497,500 $11,949 6.93%
    42% 67 $29,715,000 $443,507 $12,706 6.62%
    40% 66 $31,410,000 $475,909 $13,372 6.95%
    39% 65 $26,785,000 $412,077 $11,920 6.78%
    36% 62 $28,880,000 $465,806 $13,031 6.84%
    37% 58 $26,960,000 $464,828 $12,144 6.78%
    38% 57 $33,745,000 $592,018 $14,722 7.33%

    Citadel Servicing Corporation lent most frequently to those with DTI ratios of <20%, with 2,258 originations. The next most common DTI ratio? 20-30%, with 397 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 2,548 $1,070,720,000 $420,220 $13,637 6.89%
    Not provided 1,106 $490,870,000 $443,825 $14,395 6.89%
    Asian 416 $201,810,000 $485,120 $15,420 6.09%
    Black 290 $102,110,000 $352,103 $13,321 7.51%
    Not applicable 102 $45,710,000 $448,137 $0 9.14%
    American Indian 36 $11,260,000 $312,778 $10,630 7.03%
    Native Hawaiian or Islander 15 $6,265,000 $417,667 $12,723 7.11%
    Asian Indian 10 $4,630,000 $463,000 $22,863 6.94%
    Vietnamese 5 $2,875,000 $575,000 $8,349 6.05%
    Chinese 7 $1,805,000 $257,857 $0 7.66%
    Korean 3 $1,595,000 $531,667 $10,478 7.42%
    Other Asian 3 $1,155,000 $385,000 $13,312 6.63%
    2 $430,000 $215,000 $0 6.81%
    Native Hawaiian 1 $255,000 $255,000 $0 5.38%

    Approval Rates

    Total approvals of all applications
    95.59%

    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
    14.81%

    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 4,544 $1,941,490,000 $427,265

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    4,544 $1,941,490,000 $427,265

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 193 $65,535,000 $339,560 $10,858 6.76%
    40-60% 740 $317,140,000 $428,568 $13,122 6.65%
    60-80% 3,113 $1,304,425,000 $419,025 $14,311 6.97%
    80-100% 477 $244,635,000 $512,862 $14,274 6.91%
    Over 100% 4 $5,660,000 $1,415,000 $0 11.25%
    Under 20% 17 $4,095,000 $240,882 $7,394 7.82%