Citadel Servicing in Georgia vs the state
3.3%Denial rate-15.94 pts vs state
3.5%Decision denial rate-21.60 pts vs state
59.0%Origination rate+4.93 pts vs state
7.75%Median rate+1.13 pts vs state
1.46Rate spread (pts)+1.19 pts vs state
$180kMedian applicant income
252Loans originated
14Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 258 | 136 | 5.8% | 9.13% | #190 |
| 2024 | 366 | 170 | 6.6% | 8.69% | #167 |
| 2025 | 427 | 252 | 3.3% | 7.75% | #165 |
What Citadel Servicing lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Citadel Servicing applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fulton County | 65 | 32 | 2 | 3.1% |
| Gwinnett County | 47 | 30 | 0 | 0.0% |
| DeKalb County | 46 | 27 | 1 | 2.2% |
| Cobb County | 45 | 24 | 2 | 4.4% |
| Liberty County | 24 | 24 | 0 | 0.0% |
| Hall County | 15 | 10 | 1 | 6.7% |
| Clayton County | 13 | 7 | 2 | 15.4% |
| Cherokee County | 10 | 5 | 0 | 0.0% |
| Henry County | 10 | 6 | 1 | 10.0% |
| Paulding County | 10 | 5 | 2 | 20.0% |
Other large lenders in Georgia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 29,845 | 18.2% | 6.63% |
| United Shore Financial Services | B | 23,784 | 12.6% | 6.25% |
| Navy Federal Credit Union | D | 12,388 | 26.4% | 7.95% |
| Truist Bank | C | 10,563 | 38.7% | 6.49% |
| Pennymac Loan Services | C | 10,273 | 11.6% | 6.49% |
| Broker Solutions | D | 9,709 | 8.6% | 6.63% |
| Mortgage Research Center | C | 9,443 | 19.8% | 6.25% |
| Freedom Mortgage | B | 9,293 | 9.1% | 6.25% |
| Bank of America | F | 9,168 | 36.5% | 6.24% |
| Ameris Bank | B | 8,065 | 10.1% | 6.50% |
Frequently asked questions
Georgia: 427 applications in 2025, of which 252 were originated and 14 denied.
3.3% of all applications, or 3.5% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Citadel Servicing originated in Georgia in 2025 was 7.75%, against a statewide median of 6.63%.
About this data. Figures are Citadel Servicing's own HMDA filing for properties located in Georgia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology