Citadel Servicing in Florida vs the state
4.0%Denial rate-17.03 pts vs state
4.3%Decision denial rate-22.95 pts vs state
57.9%Origination rate+5.22 pts vs state
7.38%Median rate+0.75 pts vs state
1.01Rate spread (pts)+0.74 pts vs state
$235kMedian applicant income
1,222Loans originated
85Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,122 | 1,141 | 4.1% | 8.87% | #81 |
| 2024 | 2,435 | 1,346 | 4.1% | 8.25% | #76 |
| 2025 | 2,110 | 1,222 | 4.0% | 7.38% | #90 |
What Citadel Servicing lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Citadel Servicing applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Miami-Dade County | 491 | 272 | 16 | 3.3% |
| Broward County | 293 | 162 | 19 | 6.5% |
| Palm Beach County | 194 | 134 | 3 | 1.5% |
| Orange County | 138 | 82 | 8 | 5.8% |
| Lee County | 110 | 65 | 3 | 2.7% |
| Pinellas County | 77 | 41 | 0 | 0.0% |
| Hillsborough County | 76 | 42 | 4 | 5.3% |
| Osceola County | 64 | 41 | 2 | 3.1% |
| Polk County | 56 | 35 | 4 | 7.1% |
| Duval County | 44 | 28 | 1 | 2.3% |
Other large lenders in Florida
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 71,405 | 15.3% | 6.44% |
| Rocket Mortgage | C | 46,611 | 21.0% | 6.63% |
| Bank of America | F | 23,634 | 37.7% | 6.24% |
| Pennymac Loan Services | C | 19,516 | 14.1% | 6.50% |
| Navy Federal Credit Union | D | 19,452 | 23.2% | 7.59% |
| Crosscountry Mortgage | B | 19,103 | 5.2% | 6.75% |
| Newrez | D | 17,519 | 22.4% | 6.75% |
| Dhi Mortgage Company | B | 16,661 | 14.5% | 4.88% |
| Lennar Mortgage | A | 14,984 | 21.0% | 4.75% |
| Truist Bank | C | 14,140 | 41.5% | 6.60% |
Frequently asked questions
Florida: 2,110 applications in 2025, of which 1,222 were originated and 85 denied.
4.0% of all applications, or 4.3% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Citadel Servicing originated in Florida 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 Florida, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology