Citadel Servicing in Arizona vs the state
4.1%Denial rate-12.14 pts vs state
4.3%Decision denial rate-16.07 pts vs state
64.2%Origination rate+4.70 pts vs state
7.50%Median rate+1.00 pts vs state
1.06Rate spread (pts)+0.84 pts vs state
$187kMedian applicant income
267Loans originated
17Denied
Trend in Arizona
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 320 | 176 | 2.5% | 8.75% | #125 |
| 2024 | 357 | 204 | 2.5% | 8.50% | #117 |
| 2025 | 416 | 267 | 4.1% | 7.50% | #126 |
What Citadel Servicing lends in Arizona
By loan purpose
By loan type
Why it denied Arizona applicants
Where in Arizona
Counties with the most Citadel Servicing applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Maricopa County | 259 | 166 | 8 | 3.1% |
| Pima County | 63 | 46 | 3 | 4.8% |
| Yavapai County | 19 | 13 | 1 | 5.3% |
| Mohave County | 17 | 10 | 1 | 5.9% |
| Pinal County | 16 | 8 | 1 | 6.3% |
| Coconino County | 10 | 6 | 1 | 10.0% |
| Navajo County | 7 | 2 | 0 | 0.0% |
| Gila County | 7 | 6 | 0 | 0.0% |
| Yuma County | 7 | 4 | 0 | 0.0% |
| Santa Cruz County | 6 | 3 | 0 | 0.0% |
Other large lenders in Arizona
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 25,383 | 10.2% | 6.25% |
| Rocket Mortgage | C | 17,947 | 15.6% | 6.75% |
| Desert Financial Credit Union | B | 16,970 | 24.3% | 6.49% |
| Crosscountry Mortgage | B | 7,570 | 3.8% | 6.58% |
| Fairway Independent Mortgage | B | 6,729 | 5.6% | 6.63% |
| Bank of America | F | 6,229 | 32.2% | 6.24% |
| Loandepot.Com | D | 6,180 | 16.1% | 5.99% |
| Pennymac Loan Services | C | 5,838 | 11.7% | 6.62% |
| Nova Financial & Investment | C | 5,380 | 16.2% | 6.49% |
| Freedom Mortgage | B | 4,991 | 7.0% | 6.00% |
Frequently asked questions
Arizona: 416 applications in 2025, of which 267 were originated and 17 denied.
4.1% of all applications, or 4.3% of the applications it actually decided on. The Arizona statewide average across all lenders was 16.2%.
The median rate on loans Citadel Servicing originated in Arizona in 2025 was 7.50%, against a statewide median of 6.50%.
About this data. Figures are Citadel Servicing's own HMDA filing for properties located in Arizona, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology