Citadel Servicing in Alabama vs the state
1.4%Denial rate-18.44 pts vs state
1.4%Decision denial rate-23.57 pts vs state
73.2%Origination rate+17.85 pts vs state
7.25%Median rate+0.75 pts vs state
0.87Rate spread (pts)+0.58 pts vs state
$191kMedian applicant income
52Loans originated
1Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 68 | 30 | 5.9% | 9.31% | #250 |
| 2024 | 77 | 47 | 9.1% | 9.50% | #248 |
| 2025 | 71 | 52 | 1.4% | 7.25% | #265 |
What Citadel Servicing lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most Citadel Servicing applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Baldwin County | 18 | 13 | 0 | 0.0% |
| Jefferson County | 14 | 8 | 0 | 0.0% |
| Tuscaloosa County | 5 | 5 | 0 | 0.0% |
| Madison County | 5 | 4 | 0 | 0.0% |
| Shelby County | 5 | 5 | 0 | 0.0% |
| Mobile County | 4 | 2 | 0 | 0.0% |
| Coffee County | 3 | 3 | 0 | 0.0% |
| Montgomery County | 3 | 1 | 0 | 0.0% |
| Lee County | 2 | 2 | 0 | 0.0% |
| St. Clair County | 2 | 2 | 0 | 0.0% |
Other large lenders in Alabama
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Regions Bank | C | 11,871 | 37.2% | 4.99% |
| Rocket Mortgage | C | 9,941 | 20.5% | 6.63% |
| Vanderbilt Mortgage and Finance | F | 8,461 | 41.4% | 9.50% |
| United Shore Financial Services | B | 7,689 | 12.0% | 6.13% |
| 21st Mortgage | F | 6,507 | 46.0% | 9.98% |
| Mortgage Research Center | C | 5,107 | 18.4% | 6.25% |
| REDSTONE Federal Credit Union | C | 4,548 | 18.9% | 8.13% |
| Dhi Mortgage Company | B | 3,909 | 17.5% | 4.99% |
| Freedom Mortgage | B | 3,725 | 8.7% | 6.25% |
| Pennymac Loan Services | C | 3,611 | 11.6% | 6.25% |
Frequently asked questions
Alabama: 71 applications in 2025, of which 52 were originated and 1 denied.
1.4% of all applications, or 1.4% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans Citadel Servicing originated in Alabama in 2025 was 7.25%, against a statewide median of 6.50%.
About this data. Figures are Citadel Servicing's own HMDA filing for properties located in Alabama, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology