Citadel Servicing in Illinois vs the state
4.1%Denial rate-13.06 pts vs state
4.4%Decision denial rate-17.30 pts vs state
54.2%Origination rate-4.50 pts vs state
7.88%Median rate+1.13 pts vs state
1.58Rate spread (pts)+1.20 pts vs state
$122kMedian applicant income
147Loans originated
11Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 258 | 135 | 7.8% | 9.25% | #181 |
| 2024 | 300 | 152 | 5.7% | 9.13% | #180 |
| 2025 | 271 | 147 | 4.1% | 7.88% | #207 |
What Citadel Servicing lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most Citadel Servicing applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cook County | 178 | 105 | 5 | 2.8% |
| Lake County | 20 | 8 | 2 | 10.0% |
| Winnebago County | 19 | 6 | 0 | 0.0% |
| DuPage County | 16 | 10 | 2 | 12.5% |
| Will County | 15 | 6 | 1 | 6.7% |
| Kane County | 10 | 5 | 0 | 0.0% |
| Kendall County | 3 | 2 | 0 | 0.0% |
| Kankakee County | 2 | 0 | 0 | 0.0% |
| Champaign County | 2 | 2 | 0 | 0.0% |
| Whiteside County | 1 | 0 | 1 | 100.0% |
Other large lenders in Illinois
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Guaranteed Rate | B | 17,479 | 4.9% | 6.63% |
| Rocket Mortgage | C | 16,971 | 19.7% | 6.75% |
| United Shore Financial Services | B | 15,644 | 13.0% | 6.50% |
| JPMorgan Chase Bank | B | 13,574 | 9.7% | 6.49% |
| U.S. Bank | D | 10,076 | 38.3% | 7.00% |
| Crosscountry Mortgage | B | 8,779 | 4.5% | 6.75% |
| Fifth Third Bank | D | 8,628 | 32.1% | 7.50% |
| The Huntington National Bank | D | 8,226 | 31.9% | 6.99% |
| BMO Bank | F | 8,007 | 32.7% | 8.33% |
| Loandepot.Com | D | 7,019 | 17.7% | 6.88% |
Frequently asked questions
Illinois: 271 applications in 2025, of which 147 were originated and 11 denied.
4.1% of all applications, or 4.4% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans Citadel Servicing originated in Illinois in 2025 was 7.88%, against a statewide median of 6.75%.
About this data. Figures are Citadel Servicing's own HMDA filing for properties located in Illinois, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology