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Citadel Federal Credit Union

Credit Union•Exton, PAHQ•Direct•Reviews near you on Google

Citadel Federal Credit Union has 183 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Exceptional
5/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Sound
3/5
Conventional
Place
Sound
3/5
Multi-Region · 4 mkts

Safe Rate Summary

What They Do Well

  • Competitive pricing compared to the market
  • Lower than average lender fees

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Report Card

Citadel Federal Credit Union performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
+11.1 bps above market avg
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Acceptable
Bottom 40% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 5 markets
Sound
Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Sound
Pricing
Exceptional
Pull Through
Acceptable
Volume179
Mix97.8%
Spread
+0.119%Above
Fees
$630Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Acceptable
Pricing
Exceptional
Pull Through
Sound
Volume121
Mix66.1%
Spread
+0.045%Above
Fees
$630Fees
Refinance
Overall
Sound
Product
Sound
Pricing
Strong
Pull Through
Acceptable
Volume62
Mix33.9%
Spread
+0.251%Above
Fees
$658Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
183
Applications
308
Volume
$56 million
Pricing & Closing
Avg Rate Spread
+0.111%
vs. market APOR
Avg Net Fees
$639
Origination − Credits
Pullthrough Rate
59.4%
Applications → Closed
Typical Borrower
Avg Loan Amount
$306,585
Avg Borrower Income
$157,109
Avg Property Value
$499,699

Geographic Coverage

Geographic Performance

Metro Areas
4
markets with activity
States Served
6
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

6
6 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Northeast2
NJPA
South4
DEFLMDSC

Top Metro Areas by Place Specialization Score

1© Dough4872 · Public domain
Montgomery County, PAMetro
Volume 93Mix 50.82% of portfolio
78/100
Strong
2© 颐园居 · CC BY-SA 4.0
Philadelphia, PAMetro
Volume 20Mix 10.93% of portfolio
54/100
Sound
3© Randolph Carney · CC BY-SA 3.0
Lancaster, PAMetro
Volume 14Mix 7.65% of portfolio
52/100
Sound
4© Smith, H. B. · Public domain
Atlantic City, NJMetro
Volume 10Mix 5.46% of portfolio
46/100
Sound

Top States by Place Specialization Score

Pennsylvania
Pennsylvania
1
PennsylvaniaState
Volume 147Mix 80.33% of portfolio
73/100
Strong
New Jersey
New Jersey
2
New JerseyState
Volume 16Mix 8.74% of portfolio
47/100
Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.