Citadel Servicing in North Carolina vs the state
5.5%Denial rate-12.52 pts vs state
6.2%Decision denial rate-16.62 pts vs state
59.0%Origination rate+1.15 pts vs state
7.88%Median rate+1.38 pts vs state
2.09Rate spread (pts)+2.01 pts vs state
$200kMedian applicant income
181Loans originated
17Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 225 | 119 | 5.8% | 9.13% | #182 |
| 2024 | 358 | 181 | 4.8% | 9.00% | #157 |
| 2025 | 307 | 181 | 5.5% | 7.88% | #194 |
What Citadel Servicing lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most Citadel Servicing applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Mecklenburg County | 53 | 35 | 2 | 3.8% |
| Wake County | 34 | 18 | 1 | 2.9% |
| Buncombe County | 17 | 11 | 1 | 5.9% |
| Cumberland County | 16 | 5 | 2 | 12.5% |
| Gaston County | 13 | 6 | 0 | 0.0% |
| Guilford County | 12 | 10 | 0 | 0.0% |
| Durham County | 11 | 7 | 0 | 0.0% |
| Forsyth County | 10 | 9 | 0 | 0.0% |
| Harnett County | 9 | 7 | 0 | 0.0% |
| Union County | 8 | 4 | 1 | 12.5% |
Other large lenders in North Carolina
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| State Employees' | C | 47,893 | 25.2% | 6.25% |
| Rocket Mortgage | C | 25,109 | 16.0% | 6.63% |
| United Shore Financial Services | B | 18,884 | 11.4% | 6.13% |
| Vanderbilt Mortgage and Finance | F | 15,008 | 38.0% | 7.75% |
| Truist Bank | C | 14,364 | 30.3% | 6.50% |
| Movement Mortgage | A | 11,091 | 2.6% | 6.63% |
| Navy Federal Credit Union | D | 10,565 | 19.4% | 7.13% |
| First-Citizens Bank & Trust | B | 10,319 | 19.6% | 6.38% |
| Bank of America | F | 10,276 | 28.2% | 6.24% |
| Mortgage Research Center | C | 10,029 | 17.7% | 6.25% |
Frequently asked questions
North Carolina: 307 applications in 2025, of which 181 were originated and 17 denied.
5.5% of all applications, or 6.2% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Citadel Servicing originated in North Carolina in 2025 was 7.88%, against a statewide median of 6.50%.
About this data. Figures are Citadel Servicing's own HMDA filing for properties located in North Carolina, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology