Citadel Servicing in Maryland vs the state
3.1%Denial rate-15.72 pts vs state
3.3%Decision denial rate-20.81 pts vs state
46.3%Origination rate-9.45 pts vs state
7.75%Median rate+1.13 pts vs state
1.15Rate spread (pts)+0.90 pts vs state
$165kMedian applicant income
105Loans originated
7Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 177 | 93 | 7.9% | 9.13% | #150 |
| 2024 | 184 | 95 | 9.8% | 8.75% | #159 |
| 2025 | 227 | 105 | 3.1% | 7.75% | #147 |
What Citadel Servicing lends in Maryland
By loan purpose
By loan type
Why it denied Maryland applicants
Where in Maryland
Counties with the most Citadel Servicing applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Baltimore city | 117 | 48 | 4 | 3.4% |
| Prince George's County | 22 | 9 | 3 | 13.6% |
| Montgomery County | 22 | 13 | 0 | 0.0% |
| Baltimore County | 21 | 10 | 0 | 0.0% |
| Howard County | 8 | 4 | 0 | 0.0% |
| Frederick County | 8 | 7 | 0 | 0.0% |
| Anne Arundel County | 6 | 2 | 0 | 0.0% |
| St. Mary's County | 4 | 1 | 0 | 0.0% |
| Worcester County | 4 | 3 | 0 | 0.0% |
| Charles County | 4 | 3 | 0 | 0.0% |
Other large lenders in Maryland
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 12,806 | 16.8% | 6.63% |
| Navy Federal Credit Union | D | 11,436 | 23.0% | 8.00% |
| United Shore Financial Services | B | 9,307 | 16.0% | 6.13% |
| Truist Bank | C | 6,559 | 34.9% | 6.49% |
| Bank of America | F | 6,051 | 35.8% | 6.24% |
| Newrez | D | 5,739 | 21.0% | 6.63% |
| State Employees Credit Union of Maryland | D | 5,624 | 44.6% | 6.25% |
| PNC Bank | D | 5,582 | 28.0% | 7.41% |
| Manufacturers and Traders Trust | C | 5,497 | 32.0% | 5.99% |
| Pennymac Loan Services | C | 5,411 | 12.4% | 6.49% |
Frequently asked questions
Maryland: 227 applications in 2025, of which 105 were originated and 7 denied.
3.1% of all applications, or 3.3% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
The median rate on loans Citadel Servicing originated in Maryland 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 Maryland, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology