Citadel Servicing in Colorado vs the state
3.3%Denial rate-12.30 pts vs state
3.6%Decision denial rate-16.06 pts vs state
61.3%Origination rate+1.31 pts vs state
7.38%Median rate+0.75 pts vs state
0.98Rate spread (pts)+0.83 pts vs state
$165kMedian applicant income
92Loans originated
5Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 104 | 59 | 4.8% | 8.63% | #208 |
| 2024 | 154 | 72 | 4.6% | 8.38% | #186 |
| 2025 | 150 | 92 | 3.3% | 7.38% | #201 |
What Citadel Servicing lends in Colorado
By loan purpose
By loan type
Why it denied Colorado applicants
Where in Colorado
Counties with the most Citadel Servicing applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Arapahoe County | 24 | 13 | 0 | 0.0% |
| El Paso County | 23 | 14 | 0 | 0.0% |
| Boulder County | 16 | 12 | 0 | 0.0% |
| Adams County | 15 | 8 | 0 | 0.0% |
| Denver County | 13 | 6 | 2 | 15.4% |
| Douglas County | 11 | 7 | 0 | 0.0% |
| Jefferson County | 9 | 7 | 0 | 0.0% |
| Eagle County | 5 | 2 | 0 | 0.0% |
| Weld County | 4 | 4 | 0 | 0.0% |
| Pueblo County | 4 | 3 | 0 | 0.0% |
Other large lenders in Colorado
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 23,111 | 8.8% | 6.13% |
| ENT Credit Union | B | 13,238 | 20.9% | 7.50% |
| Rocket Mortgage | C | 11,486 | 15.7% | 6.61% |
| Guild Mortgage | A | 6,232 | 3.1% | 6.62% |
| Bellco Credit Union | F | 5,863 | 40.9% | 8.00% |
| U.S. Bank | D | 4,978 | 36.0% | 7.95% |
| American Financing | D | 4,937 | 41.3% | 6.38% |
| FirstBank | C | 4,929 | 15.6% | 7.00% |
| Canvas Credit Union | C | 4,889 | 13.7% | 7.89% |
| Elevations | C | 4,426 | 10.8% | 6.88% |
Frequently asked questions
Colorado: 150 applications in 2025, of which 92 were originated and 5 denied.
3.3% of all applications, or 3.6% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
The median rate on loans Citadel Servicing originated in Colorado in 2025 was 7.38%, against a statewide median of 6.63%.
About this data. Figures are Citadel Servicing's own HMDA filing for properties located in Colorado, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology