Citadel Servicing in Pennsylvania vs the state
4.3%Denial rate-14.03 pts vs state
4.4%Decision denial rate-17.78 pts vs state
61.4%Origination rate+0.39 pts vs state
7.88%Median rate+1.25 pts vs state
1.49Rate spread (pts)+1.25 pts vs state
$142kMedian applicant income
173Loans originated
12Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 279 | 143 | 8.2% | 9.38% | #222 |
| 2024 | 314 | 152 | 6.4% | 9.00% | #204 |
| 2025 | 282 | 173 | 4.3% | 7.88% | #233 |
What Citadel Servicing lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Citadel Servicing applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Philadelphia County | 79 | 49 | 3 | 3.8% |
| Allegheny County | 30 | 21 | 1 | 3.3% |
| Lackawanna County | 20 | 9 | 0 | 0.0% |
| Berks County | 19 | 10 | 2 | 10.5% |
| Luzerne County | 18 | 12 | 0 | 0.0% |
| Bucks County | 15 | 13 | 1 | 6.7% |
| Chester County | 15 | 11 | 0 | 0.0% |
| Montgomery County | 14 | 10 | 1 | 7.1% |
| Delaware County | 12 | 7 | 0 | 0.0% |
| Lehigh County | 9 | 7 | 0 | 0.0% |
Other large lenders in Pennsylvania
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 22,411 | 18.6% | 6.75% |
| Citizens Bank | C | 18,256 | 28.1% | 7.65% |
| PNC Bank | D | 18,031 | 20.6% | 6.88% |
| United Shore Financial Services | B | 13,178 | 13.4% | 6.47% |
| Crosscountry Mortgage | B | 11,615 | 3.3% | 6.63% |
| Members 1st | B | 10,863 | 30.9% | 1.99% |
| First National Bank of Pennsylvania | B | 9,542 | 27.8% | 6.49% |
| Police & Fire | C | 8,460 | 34.6% | 6.25% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | C | 8,308 | 13.7% | 6.64% |
| Pennymac Loan Services | C | 7,900 | 12.6% | 6.50% |
Frequently asked questions
Pennsylvania: 282 applications in 2025, of which 173 were originated and 12 denied.
4.3% of all applications, or 4.4% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Citadel Servicing originated in Pennsylvania in 2025 was 7.88%, against a statewide median of 6.63%.
About this data. Figures are Citadel Servicing's own HMDA filing for properties located in Pennsylvania, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology