Citadel Servicing Corporation
We analyzed every closed loan from Citadel Servicing Corporation — 2.4k loans across 4k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Mediocre
1/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Exceptional
5/5
Conventional · Jumbo
Place
Sound
3/5
National · 49 mkts
Summary
What They Do Well
- Particularly strong in Conventional and Jumbo loans
- Nationwide availability with consistent service
Things to Think About
- Rates typically 147 basis points above market average
- Higher than average fees ($5,161)
Explore another lender or local market
Report Card
Citadel Servicing Corporation performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
+147.2 bps above market avg
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
Jumbo
Exceptional
Top 20% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
National · 50 markets
Sound
Top 60% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 2,003 | 82.4% | +1.476%Above | $5,697Fees | ||||
Jumbo Loans | — | 427 | 17.6% | +1.450%Above | $2,032Fees |
Conventional
OverallAcceptable
ProductStrong
PricingMediocre
Pull ThroughSound
Volume2,003
Mix82.4%
Spread
+1.476%Above
Fees
$5,697Fees
Jumbo Loans
OverallStrong
ProductExceptional
Pricing—
Pull ThroughStrong
Volume427
Mix17.6%
Spread
+1.450%Above
Fees
$2,032Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 1,570 | 64.6% | +1.587%Above | $5,831Fees | ||||
Refinance | 860 | 35.4% | +1.303%Above | $4,176Fees |
Purchase
OverallAcceptable
ProductStrong
PricingMediocre
Pull ThroughAcceptable
Volume1,570
Mix64.6%
Spread
+1.587%Above
Fees
$5,831Fees
Refinance
OverallSound
ProductStrong
PricingMediocre
Pull ThroughSound
Volume860
Mix35.4%
Spread
+1.303%Above
Fees
$4,176Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
2,430
Applications
4,443
Volume
$1 billion
Pricing & Closing
Avg Rate Spread
+1.472%
vs. market APOR
Avg Net Fees
$5,161
Origination − Credits
Pullthrough Rate
54.7%
Applications → Closed
Typical Borrower
Avg Loan Amount
$580,650
Avg Borrower Income
$409,409
Avg Property Value
$854,251
Geographic Coverage
Geographic Performance
Metro Areas
49
markets with activity
States Served
41
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
41Northeast5
CTMENHNJPA
Midwest9
ILINKSMIMNMONEOHWI
South15
ALARDCDEFLGAKYLAMDNCOKSCTNTXVA
West12
AZCACOHIIDMTNMNVORUTWAWY
Top Metro Areas by Place Specialization Score
Volume 128Mix 5.27% of portfolio
69/100
Strong
Volume 145Mix 5.97% of portfolio
68/100
Strong
Volume 50Mix 2.06% of portfolio
64/100
Strong
Volume 81Mix 3.33% of portfolio
64/100
Strong
Volume 68Mix 2.80% of portfolio
63/100
Strong
Volume 71Mix 2.92% of portfolio
63/100
Strong
Volume 60Mix 2.47% of portfolio
62/100
Strong
Volume 95Mix 3.91% of portfolio
62/100
Strong
Volume 60Mix 2.47% of portfolio
59/100
Sound
Volume 78Mix 3.21% of portfolio
58/100
SoundShowing 10 of 49 metro areas
Top States by Place Specialization Score
1
CaliforniaState
Volume 594Mix 24.44% of portfolio
73/100
Strong2
FloridaState
Volume 509Mix 20.95% of portfolio
72/100
Strong3
HawaiiState
Volume 67Mix 2.76% of portfolio
66/100
Strong4
NevadaState
Volume 84Mix 3.46% of portfolio
63/100
Strong5
TexasState
Volume 216Mix 8.89% of portfolio
63/100
Strong6
WashingtonState
Volume 84Mix 3.46% of portfolio
60/100
Strong7
ArizonaState
Volume 98Mix 4.03% of portfolio
60/100
Sound8
New JerseyState
Volume 63Mix 2.59% of portfolio
57/100
Sound9
OregonState
Volume 53Mix 2.18% of portfolio
56/100
Sound10
UtahState
Volume 52Mix 2.14% of portfolio
55/100
SoundShowing 10 of 24 states
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.