Citadel Servicing in Oregon vs the state
4.6%Denial rate-10.74 pts vs state
5.1%Decision denial rate-14.06 pts vs state
62.3%Origination rate+1.67 pts vs state
7.63%Median rate+0.88 pts vs state
1.13Rate spread (pts)+0.85 pts vs state
$194kMedian applicant income
109Loans originated
8Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 138 | 81 | 5.8% | 8.88% | #132 |
| 2024 | 170 | 103 | 6.5% | 8.38% | #117 |
| 2025 | 175 | 109 | 4.6% | 7.63% | #131 |
What Citadel Servicing lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most Citadel Servicing applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Clackamas County | 29 | 16 | 4 | 13.8% |
| Deschutes County | 23 | 12 | 1 | 4.3% |
| Multnomah County | 19 | 14 | 0 | 0.0% |
| Marion County | 17 | 12 | 0 | 0.0% |
| Lane County | 16 | 11 | 1 | 6.3% |
| Washington County | 11 | 8 | 0 | 0.0% |
| Jackson County | 8 | 5 | 2 | 25.0% |
| Linn County | 7 | 4 | 0 | 0.0% |
| Benton County | 7 | 6 | 0 | 0.0% |
| Lincoln County | 6 | 6 | 0 | 0.0% |
Other large lenders in Oregon
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Onpoint Community Credit Union | B | 10,710 | 15.7% | 7.50% |
| Rocket Mortgage | C | 6,649 | 16.3% | 6.75% |
| United Shore Financial Services | B | 6,600 | 10.4% | 6.25% |
| Guild Mortgage | A | 6,034 | 2.6% | 6.55% |
| U.S. Bank | D | 4,875 | 31.6% | 7.85% |
| Umpqua Bank | C | 3,155 | 23.0% | 7.50% |
| Newrez | D | 2,945 | 12.9% | 6.63% |
| CMG Mortgage | A | 2,702 | 2.9% | 6.50% |
| Pennymac Loan Services | C | 2,642 | 10.2% | 6.62% |
| Rogue Credit Union | C | 2,511 | 10.2% | 7.49% |
Frequently asked questions
Oregon: 175 applications in 2025, of which 109 were originated and 8 denied.
4.6% of all applications, or 5.1% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans Citadel Servicing originated in Oregon 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 Oregon, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology