Citadel Servicing in Tennessee vs the state
4.8%Denial rate-12.38 pts vs state
5.1%Decision denial rate-16.63 pts vs state
60.0%Origination rate+1.92 pts vs state
7.50%Median rate+0.88 pts vs state
1.45Rate spread (pts)+1.22 pts vs state
$194kMedian applicant income
63Loans originated
5Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 88 | 56 | 3.4% | 9.13% | #314 |
| 2024 | 145 | 70 | 4.8% | 8.75% | #249 |
| 2025 | 105 | 63 | 4.8% | 7.50% | #318 |
What Citadel Servicing lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most Citadel Servicing applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Davidson County | 16 | 10 | 1 | 6.3% |
| Shelby County | 10 | 6 | 0 | 0.0% |
| Knox County | 10 | 3 | 0 | 0.0% |
| Rutherford County | 8 | 6 | 0 | 0.0% |
| Polk County | 6 | 6 | 0 | 0.0% |
| Sumner County | 6 | 3 | 0 | 0.0% |
| Williamson County | 5 | 1 | 0 | 0.0% |
| Hamilton County | 5 | 4 | 0 | 0.0% |
| Sevier County | 5 | 3 | 2 | 40.0% |
| Montgomery County | 3 | 1 | 1 | 33.3% |
Other large lenders in Tennessee
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 16,503 | 17.3% | 6.50% |
| United Shore Financial Services | B | 12,458 | 10.9% | 6.12% |
| Regions Bank | C | 11,247 | 36.5% | 4.99% |
| Vanderbilt Mortgage and Finance | F | 9,649 | 35.8% | 8.75% |
| Mortgage Research Center | C | 6,568 | 17.3% | 6.25% |
| FirstBank | C | 5,677 | 14.5% | 6.88% |
| CMG Mortgage | A | 5,643 | 2.9% | 6.50% |
| Freedom Mortgage | B | 5,493 | 8.0% | 6.25% |
| Pennymac Loan Services | C | 5,331 | 11.2% | 6.00% |
| Mortgage Investors Group | B | 4,454 | 3.5% | 6.50% |
Frequently asked questions
Tennessee: 105 applications in 2025, of which 63 were originated and 5 denied.
4.8% of all applications, or 5.1% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans Citadel Servicing originated in Tennessee in 2025 was 7.50%, against a statewide median of 6.62%.
About this data. Figures are Citadel Servicing's own HMDA filing for properties located in Tennessee, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology