Citadel Servicing in Indiana vs the state
6.1%Denial rate-10.51 pts vs state
6.4%Decision denial rate-13.76 pts vs state
48.5%Origination rate-13.77 pts vs state
8.44%Median rate+1.69 pts vs state
2.42Rate spread (pts)+2.05 pts vs state
$104kMedian applicant income
48Loans originated
6Denied
Trend in Indiana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 60 | 34 | 5.0% | 9.13% | #305 |
| 2024 | 62 | 24 | 9.7% | 9.81% | #314 |
| 2025 | 99 | 48 | 6.1% | 8.44% | #270 |
What Citadel Servicing lends in Indiana
By loan purpose
By loan type
Why it denied Indiana applicants
Where in Indiana
Counties with the most Citadel Servicing applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Delaware County | 33 | 13 | 6 | 18.2% |
| Marion County | 24 | 15 | 0 | 0.0% |
| Lake County | 10 | 7 | 0 | 0.0% |
| St. Joseph County | 6 | 0 | 0 | 0.0% |
| Tippecanoe County | 5 | 5 | 0 | 0.0% |
| Hamilton County | 3 | 0 | 0 | 0.0% |
| Hendricks County | 3 | 1 | 0 | 0.0% |
| Noble County | 2 | 0 | 0 | 0.0% |
| DeKalb County | 2 | 1 | 0 | 0.0% |
| Brown County | 2 | 1 | 0 | 0.0% |
Other large lenders in Indiana
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 13,503 | 18.6% | 6.75% |
| Ruoff Mortgage Company | A | 8,860 | 4.0% | 6.75% |
| Fifth Third Bank | D | 8,693 | 27.6% | 7.75% |
| United Shore Financial Services | B | 8,659 | 12.2% | 6.38% |
| Freedom Mortgage | B | 5,454 | 8.9% | 6.25% |
| Newrez | D | 5,421 | 18.2% | 6.63% |
| First Merchants Bank | C | 5,114 | 19.9% | 6.76% |
| Fairway Independent Mortgage | B | 4,813 | 7.4% | 6.75% |
| Mortgage Research Center | C | 4,791 | 19.0% | 6.25% |
| PNC Bank | D | 4,724 | 25.1% | 7.55% |
Frequently asked questions
Indiana: 99 applications in 2025, of which 48 were originated and 6 denied.
6.1% of all applications, or 6.4% of the applications it actually decided on. The Indiana statewide average across all lenders was 16.6%.
The median rate on loans Citadel Servicing originated in Indiana in 2025 was 8.44%, against a statewide median of 6.75%.
About this data. Figures are Citadel Servicing's own HMDA filing for properties located in Indiana, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology