Citadel Servicing in New York vs the state
3.6%Denial rate-16.17 pts vs state
3.8%Decision denial rate-20.29 pts vs state
64.0%Origination rate+4.45 pts vs state
7.25%Median rate+0.63 pts vs state
—Rate spread (pts)
$472kMedian applicant income
358Loans originated
20Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 195 | 98 | 7.2% | 9.00% | #202 |
| 2024 | 353 | 180 | 4.5% | 8.25% | #152 |
| 2025 | 559 | 358 | 3.6% | 7.25% | #125 |
What Citadel Servicing lends in New York
By loan purpose
By loan type
Why it denied New York applicants
Where in New York
Counties with the most Citadel Servicing applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Suffolk County | 108 | 83 | 2 | 1.9% |
| Kings County | 76 | 43 | 3 | 3.9% |
| Orange County | 51 | 27 | 4 | 7.8% |
| Nassau County | 45 | 30 | 1 | 2.2% |
| Queens County | 43 | 30 | 2 | 4.7% |
| Rockland County | 42 | 25 | 0 | 0.0% |
| Bronx County | 32 | 21 | 1 | 3.1% |
| Erie County | 28 | 12 | 1 | 3.6% |
| Westchester County | 19 | 15 | 0 | 0.0% |
| Albany County | 14 | 12 | 0 | 0.0% |
Other large lenders in New York
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Citizens Bank | C | 20,315 | 32.7% | 7.97% |
| Rocket Mortgage | C | 19,924 | 22.0% | 6.88% |
| United Shore Financial Services | B | 14,777 | 11.2% | 6.50% |
| JPMorgan Chase Bank | B | 14,735 | 11.7% | 6.38% |
| Manufacturers and Traders Trust | C | 12,335 | 31.3% | 5.99% |
| Bank of America | F | 10,193 | 35.7% | 5.99% |
| Bethpage Federal Credit Union | C | 9,736 | 47.2% | 6.49% |
| TD Bank | D | 9,239 | 30.2% | 7.69% |
| Newrez | D | 8,654 | 24.2% | 6.75% |
| ESL Federal Credit Union | B | 7,817 | 17.6% | 4.50% |
Frequently asked questions
New York: 559 applications in 2025, of which 358 were originated and 20 denied.
3.6% of all applications, or 3.8% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans Citadel Servicing originated in New York in 2025 was 7.25%, against a statewide median of 6.63%.
About this data. Figures are Citadel Servicing's own HMDA filing for properties located in New York, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology