# CITADEL FEDERAL CREDIT UNION

> **Canonical URL:** https://saferate.com/lenders/citadel-federal-credit-union


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


CITADEL FEDERAL CREDIT UNION is a credit union, headquartered in Exton, PA, serving borrowers across 6 states, with 183 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 15% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 58% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300XOOL3OJTITCV30
- **Headquarters:** Exton, PA
- **Geographic Reach:** Multi-Region
- **States Served:** 6
- **State List:** DE, FL, MD, NJ, PA, SC
- **Markets (MSAs):** 5
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 85/100
- Rating: ●●●●● (5/5)

### Pull Through: Sound ☺️
- Score: 42/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.111%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $639
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 183
- **Dollar Volume:** $56 million
- **Applications Received:** 308
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $306,585
- **Average Borrower Income:** $157,109
- **Average Property Value:** $499,699

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 43/100 | 179 | +0.119% | $630 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 117 loans, Score: 39/100 (Acceptable)
- Refinance: 62 loans, Score: 56/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 39/100 | 121 | $43M | +0.045% | Acceptable 🙂 |
| Refinance | 54/100 | 62 | $13M | +0.251% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| PA | 147 | 0.12% | 73/100 |
| NJ | 16 | 0.02% | 47/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Montgomery County | PA | 93 | 78/100 |
| Philadelphia, PA | PA | 20 | 54/100 |
| Lancaster, PA | PA | 14 | 52/100 |
| Atlantic City | NJ | 10 | 46/100 |
| Non |  | 10 | 23/100 |

## Where This Lender Ranks

CITADEL FEDERAL CREDIT UNION appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#4** in Montgomery County Credit Unions
  - [View Full Rankings](https://saferate.com/montgomery-county/best-mortgage-lenders/credit-unions)
- 🏆 **#4** in Montgomery County for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/montgomery-county/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#4** in Lancaster, PA for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/lancaster-pa/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#4** in Atlantic City for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/atlantic-city/best-mortgage-lenders/credit-unions/conventional-loans)

## Frequently Asked Questions

### What loan types does CITADEL FEDERAL CREDIT UNION offer?

CITADEL FEDERAL CREDIT UNION offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does CITADEL FEDERAL CREDIT UNION offer mortgages?

CITADEL FEDERAL CREDIT UNION offers mortgages in 6 states: DE, FL, MD, NJ, PA, SC.

### How competitive are CITADEL FEDERAL CREDIT UNION's mortgage rates?

CITADEL FEDERAL CREDIT UNION has a pricing score of 85/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.111% above market average.

### What type of lender is CITADEL FEDERAL CREDIT UNION?

CITADEL FEDERAL CREDIT UNION is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Exton, PA.

### What is CITADEL FEDERAL CREDIT UNION's loan approval success rate?

CITADEL FEDERAL CREDIT UNION has a pull-through score of 42/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/citadel-federal-credit-union

### How to Cite

> "CITADEL FEDERAL CREDIT UNION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/citadel-federal-credit-union

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