Citadel Servicing in California vs the state
2.8%Denial rate-14.60 pts vs state
3.0%Decision denial rate-19.37 pts vs state
64.8%Origination rate+8.64 pts vs state
7.13%Median rate+0.50 pts vs state
0.71Rate spread (pts)+0.43 pts vs state
$276kMedian applicant income
1,470Loans originated
64Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,371 | 719 | 4.7% | 8.50% | #109 |
| 2024 | 1,919 | 1,026 | 4.7% | 8.00% | #90 |
| 2025 | 2,267 | 1,470 | 2.8% | 7.13% | #94 |
What Citadel Servicing lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Citadel Servicing applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 640 | 418 | 15 | 2.3% |
| San Diego County | 202 | 126 | 9 | 4.5% |
| Orange County | 181 | 125 | 4 | 2.2% |
| Riverside County | 176 | 104 | 6 | 3.4% |
| San Bernardino County | 117 | 75 | 3 | 2.6% |
| Ventura County | 110 | 87 | 2 | 1.8% |
| Alameda County | 78 | 49 | 3 | 3.8% |
| Santa Clara County | 71 | 50 | 2 | 2.8% |
| Contra Costa County | 69 | 48 | 3 | 4.3% |
| San Mateo County | 52 | 39 | 0 | 0.0% |
Other large lenders in California
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 79,261 | 12.6% | 6.49% |
| Rocket Mortgage | C | 58,925 | 17.6% | 6.75% |
| Bank of America | F | 40,190 | 30.8% | 5.99% |
| U.S. Bank | D | 32,493 | 31.6% | 6.50% |
| JPMorgan Chase Bank | B | 22,048 | 9.7% | 6.13% |
| Spring Eq | D | 21,601 | 50.8% | 8.88% |
| Schoolsfirst | A | 19,086 | 10.0% | 6.25% |
| Pennymac Loan Services | C | 18,754 | 13.5% | 6.50% |
| Newrez | D | 17,000 | 19.3% | 6.63% |
| Loandepot.Com | D | 16,645 | 18.7% | 6.63% |
Frequently asked questions
California: 2,267 applications in 2025, of which 1,470 were originated and 64 denied.
2.8% of all applications, or 3.0% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Citadel Servicing originated in California in 2025 was 7.13%, against a statewide median of 6.63%.
About this data. Figures are Citadel Servicing's own HMDA filing for properties located in California, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology