Citadel Servicing in New Jersey vs the state
2.9%Denial rate-14.80 pts vs state
3.3%Decision denial rate-19.79 pts vs state
57.3%Origination rate+1.64 pts vs state
7.63%Median rate+0.88 pts vs state
1.15Rate spread (pts)+0.86 pts vs state
$237kMedian applicant income
278Loans originated
14Denied
Trend in New Jersey
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 254 | 147 | 4.3% | 9.00% | #155 |
| 2024 | 305 | 166 | 5.6% | 8.50% | #146 |
| 2025 | 485 | 278 | 2.9% | 7.63% | #121 |
What Citadel Servicing lends in New Jersey
By loan purpose
By loan type
Why it denied New Jersey applicants
Where in New Jersey
Counties with the most Citadel Servicing applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Essex County | 72 | 34 | 1 | 1.4% |
| Ocean County | 64 | 43 | 0 | 0.0% |
| Monmouth County | 60 | 35 | 0 | 0.0% |
| Bergen County | 59 | 37 | 2 | 3.4% |
| Hudson County | 36 | 19 | 0 | 0.0% |
| Passaic County | 31 | 16 | 2 | 6.5% |
| Union County | 23 | 12 | 0 | 0.0% |
| Mercer County | 18 | 14 | 0 | 0.0% |
| Middlesex County | 17 | 15 | 0 | 0.0% |
| Burlington County | 16 | 6 | 0 | 0.0% |
Other large lenders in New Jersey
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 16,339 | 16.1% | 6.75% |
| TD Bank | D | 12,532 | 26.2% | 7.49% |
| Bank of America | F | 12,142 | 30.6% | 6.00% |
| Citizens Bank | C | 12,113 | 28.9% | 7.40% |
| Crosscountry Mortgage | B | 12,042 | 5.3% | 6.75% |
| PNC Bank | D | 10,815 | 27.8% | 7.75% |
| United Shore Financial Services | B | 10,552 | 15.3% | 6.38% |
| Guaranteed Rate | B | 8,643 | 5.5% | 6.58% |
| Newrez | D | 6,535 | 22.5% | 6.99% |
| Loandepot.Com | D | 6,491 | 15.3% | 6.63% |
Frequently asked questions
New Jersey: 485 applications in 2025, of which 278 were originated and 14 denied.
2.9% of all applications, or 3.3% of the applications it actually decided on. The New Jersey statewide average across all lenders was 17.7%.
The median rate on loans Citadel Servicing originated in New Jersey in 2025 was 7.63%, against a statewide median of 6.75%.
About this data. Figures are Citadel Servicing's own HMDA filing for properties located in New Jersey, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology