Citadel Servicing in Kentucky vs the state
4.6%Denial rate-14.26 pts vs state
4.8%Decision denial rate-18.73 pts vs state
54.6%Origination rate-3.49 pts vs state
7.56%Median rate+0.81 pts vs state
2.03Rate spread (pts)+1.72 pts vs state
$200kMedian applicant income
24Loans originated
2Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 30 | 7 | 6.7% | 9.25% | #287 |
| 2024 | 20 | 10 | 0.0% | 8.88% | #335 |
| 2025 | 44 | 24 | 4.6% | 7.56% | #281 |
What Citadel Servicing lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Citadel Servicing applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 14 | 5 | 1 | 7.1% |
| Fayette County | 6 | 5 | 0 | 0.0% |
| Kenton County | 3 | 1 | 0 | 0.0% |
| Boone County | 2 | 2 | 0 | 0.0% |
| Pulaski County | 2 | 0 | 0 | 0.0% |
| Oldham County | 2 | 2 | 0 | 0.0% |
| Jessamine County | 2 | 1 | 0 | 0.0% |
| Robertson County | 1 | 0 | 0 | 0.0% |
| Montgomery County | 1 | 1 | 0 | 0.0% |
| Woodford County | 1 | 0 | 0 | 0.0% |
Other large lenders in Kentucky
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 8,420 | 18.1% | 6.75% |
| Vanderbilt Mortgage and Finance | F | 8,220 | 44.8% | 9.50% |
| United Shore Financial Services | B | 6,871 | 9.8% | 6.50% |
| Fifth Third Bank | D | 5,663 | 25.5% | 7.75% |
| U.S. Bank | D | 4,887 | 29.5% | 7.00% |
| Mortgage Research Center | C | 3,617 | 18.0% | 6.25% |
| PNC Bank | D | 3,585 | 23.7% | 7.40% |
| 21st Mortgage | F | 3,478 | 48.0% | 9.95% |
| Commonwealth | C | 3,270 | 24.9% | 7.25% |
| Stockton Mortgage | D | 3,255 | 6.1% | 6.63% |
Frequently asked questions
Kentucky: 44 applications in 2025, of which 24 were originated and 2 denied.
4.6% of all applications, or 4.8% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Citadel Servicing originated in Kentucky in 2025 was 7.56%, against a statewide median of 6.75%.
About this data. Figures are Citadel Servicing's own HMDA filing for properties located in Kentucky, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology