# Citadel Servicing Corporation

> **Canonical URL:** https://saferate.com/lenders/citadel-servicing


> **📋 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 Servicing Corporation is a independent mortgage company, headquartered in SACRAMENTO, CA, serving borrowers nationwide, with 2,430 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 95% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 50% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 254900E6AIE4Z8YQM970
- **Headquarters:** SACRAMENTO, CA
- **Geographic Reach:** National
- **States Served:** 41
- **State List:** AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, ID, IL, IN, KS, KY, LA, MD, ME, MI, MN, MO, MT, NC, NE, NH, NJ, NM, NV, OH, OK, OR, PA, SC, TN, TX, UT, VA, WA, WI, WY
- **Markets (MSAs):** 50
- **Primary Channel:** wholesale
- **Direct Origination:** 2.6%
- **Brokered/Wholesale:** 97.4%

## Safe Rate Ratings

### Pricing: Mediocre 😐
- Score: 5/100
- Rating: ●○○○○ (1/5)

### Pull Through: Sound ☺️
- Score: 50/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +1.472%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $5,161
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 2,430
- **Dollar Volume:** $1.4 billion
- **Applications Received:** 4,443
- **Market Share:** 7.00%

## Typical Borrower Profile

- **Average Loan Amount:** $580,650
- **Average Borrower Income:** $409,409
- **Average Property Value:** $854,251

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 68/100 | 2,003 | +1.476% | $5,697 | Strong 😀 |
| Jumbo | 85/100 | 427 | +1.450% | $2,032 | Exceptional 🤩 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 1,320 loans, Score: 65/100 (Strong)
- Refinance: 683 loans, Score: 77/100 (Strong)

**Jumbo:**
- Purchase: 250 loans, Score: 84/100 (Exceptional)
- Refinance: 177 loans, Score: 89/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 63/100 | 1,570 | $892M | +1.587% | Strong 😀 |
| Refinance | 77/100 | 860 | $519M | +1.303% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CA | 594 | 0.21% | 73/100 |
| FL | 509 | 0.17% | 72/100 |
| TX | 216 | 0.06% | 63/100 |
| AZ | 98 | 0.10% | 60/100 |
| NV | 84 | 0.21% | 63/100 |
| WA | 84 | 0.10% | 60/100 |
| NC | 77 | 0.05% | 55/100 |
| GA | 70 | 0.05% | 55/100 |
| HI | 67 | 0.74% | 66/100 |
| NJ | 63 | 0.07% | 57/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Los Angeles | CA | 145 | 68/100 |
| Miami | FL | 128 | 69/100 |
| Non |  | 120 | 50/100 |
| Riverside | CA | 95 | 62/100 |
| Fort Lauderdale | FL | 81 | 64/100 |
| Phoenix | AZ | 78 | 58/100 |
| Houston | TX | 71 | 57/100 |
| Las Vegas | NV | 71 | 63/100 |
| Anaheim | CA | 68 | 63/100 |
| Dallas | TX | 60 | 56/100 |
| San Diego | CA | 60 | 59/100 |
| West Palm Beach | FL | 60 | 62/100 |
| Orlando | FL | 57 | 58/100 |
| Chicago | IL | 50 | 54/100 |
| Urban Honolulu, HI | HI | 50 | 64/100 |

## Where This Lender Ranks

Citadel Servicing Corporation appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#6** in Hawaii for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/hawaii/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🏆 **#13** in Bridgeport for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/bridgeport/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🏆 **#15** in Miami for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/miami/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🏆 **#15** in Las Vegas for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/las-vegas/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🏆 **#15** in West Palm Beach for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/west-palm-beach/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🏆 **#16** in Hawaii for Jumbo Loans
  - [View Full Rankings](https://saferate.com/hawaii/best-mortgage-lenders/jumbo-loans)
- 🏆 **#18** in Nevada for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/nevada/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🏆 **#20** in Fort Lauderdale for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/fort-lauderdale/best-mortgage-lenders/mortgage-companies/jumbo-loans)

## Frequently Asked Questions

### What loan types does Citadel Servicing Corporation offer?

Citadel Servicing Corporation offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Citadel Servicing Corporation offer mortgages?

Citadel Servicing Corporation is a national lender offering mortgages in all 50 states plus Washington D.C.

### How competitive are Citadel Servicing Corporation's mortgage rates?

Citadel Servicing Corporation has a pricing score of 5/100 (Mediocre), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 1.472% above market average.

### What type of lender is Citadel Servicing Corporation?

Citadel Servicing Corporation is a non-depository lender that specializes in mortgage origination, headquartered in SACRAMENTO, CA.

### What is Citadel Servicing Corporation's loan approval success rate?

Citadel Servicing Corporation has a pull-through score of 50/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

---

## 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-servicing

### How to Cite

> "Citadel Servicing Corporation Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/citadel-servicing

---

**[View Interactive Profile →](https://saferate.com/lenders/citadel-servicing)**