Citadel Servicing in Oklahoma vs the state
7.4%Denial rate-10.51 pts vs state
8.7%Decision denial rate-14.17 pts vs state
59.3%Origination rate+3.16 pts vs state
7.12%Median rate+0.50 pts vs state
0.66Rate spread (pts)+0.31 pts vs state
$84kMedian applicant income
16Loans originated
2Denied
Trend in Oklahoma
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 39 | 19 | 10.3% | 8.38% | #245 |
| 2024 | 50 | 19 | 6.0% | 8.13% | #236 |
| 2025 | 27 | 16 | 7.4% | 7.12% | #312 |
What Citadel Servicing lends in Oklahoma
By loan purpose
By loan type
Why it denied Oklahoma applicants
Where in Oklahoma
Counties with the most Citadel Servicing applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Tulsa County | 9 | 6 | 1 | 11.1% |
| Oklahoma County | 7 | 5 | 0 | 0.0% |
| McCurtain County | 2 | 0 | 0 | 0.0% |
| Wagoner County | 2 | 1 | 1 | 50.0% |
| Canadian County | 2 | 2 | 0 | 0.0% |
| McClain County | 1 | 0 | 0 | 0.0% |
| Washington County | 1 | 0 | 0 | 0.0% |
| Rogers County | 1 | 1 | 0 | 0.0% |
| Nowata County | 1 | 0 | 0 | 0.0% |
| Grady County | 1 | 1 | 0 | 0.0% |
Other large lenders in Oklahoma
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 6,990 | 24.0% | 6.75% |
| First United Bank and Trust | C | 5,630 | 5.9% | 6.88% |
| Arvest Bank | C | 5,387 | 17.6% | 7.00% |
| 21st Mortgage | F | 5,217 | 46.8% | 9.83% |
| BancFirst | C | 4,799 | 10.0% | 7.38% |
| BOKF | D | 4,227 | 20.2% | 6.63% |
| Mortgage Research Center | C | 4,012 | 18.8% | 6.25% |
| United Shore Financial Services | B | 3,735 | 13.8% | 6.13% |
| Associated Mortgage | A | 3,213 | 0.7% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 2,610 | 38.3% | 9.75% |
Frequently asked questions
Oklahoma: 27 applications in 2025, of which 16 were originated and 2 denied.
7.4% of all applications, or 8.7% of the applications it actually decided on. The Oklahoma statewide average across all lenders was 17.9%.
The median rate on loans Citadel Servicing originated in Oklahoma in 2025 was 7.12%, against a statewide median of 6.63%.
About this data. Figures are Citadel Servicing's own HMDA filing for properties located in Oklahoma, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology