Citadel Servicing in Texas vs the state
3.9%Denial rate-15.51 pts vs state
4.2%Decision denial rate-20.69 pts vs state
58.0%Origination rate+3.14 pts vs state
7.63%Median rate+1.13 pts vs state
1.12Rate spread (pts)+0.93 pts vs state
$218kMedian applicant income
651Loans originated
44Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 866 | 408 | 6.8% | 9.00% | #172 |
| 2024 | 1,172 | 560 | 5.7% | 8.50% | #148 |
| 2025 | 1,122 | 651 | 3.9% | 7.63% | #162 |
What Citadel Servicing lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Citadel Servicing applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harris County | 245 | 154 | 5 | 2.0% |
| Fort Bend County | 128 | 80 | 5 | 3.9% |
| Dallas County | 88 | 51 | 3 | 3.4% |
| Tarrant County | 72 | 44 | 2 | 2.8% |
| Bexar County | 62 | 24 | 5 | 8.1% |
| Collin County | 59 | 32 | 2 | 3.4% |
| Travis County | 55 | 31 | 2 | 3.6% |
| Montgomery County | 49 | 25 | 1 | 2.0% |
| Denton County | 34 | 26 | 1 | 2.9% |
| Hidalgo County | 33 | 25 | 0 | 0.0% |
Other large lenders in Texas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 56,491 | 11.0% | 6.25% |
| Rocket Mortgage | C | 45,658 | 22.4% | 6.63% |
| 21st Mortgage | F | 37,961 | 45.9% | 9.94% |
| Dhi Mortgage Company | B | 26,348 | 13.5% | 4.50% |
| Lennar Mortgage | A | 21,959 | 20.5% | 4.50% |
| Bank of America | F | 18,008 | 43.0% | 6.24% |
| JPMorgan Chase Bank | B | 16,260 | 9.8% | 6.45% |
| CMG Mortgage | A | 15,978 | 3.9% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 15,683 | 44.7% | 10.50% |
| Triad Financial Services | D | 15,158 | 50.0% | 9.35% |
Frequently asked questions
Texas: 1,122 applications in 2025, of which 651 were originated and 44 denied.
3.9% of all applications, or 4.2% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Citadel Servicing originated in Texas in 2025 was 7.63%, against a statewide median of 6.50%.
About this data. Figures are Citadel Servicing's own HMDA filing for properties located in Texas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology