Citadel Servicing in Virginia vs the state
4.9%Denial rate-11.06 pts vs state
5.5%Decision denial rate-14.80 pts vs state
56.1%Origination rate-3.42 pts vs state
7.50%Median rate+0.88 pts vs state
1.56Rate spread (pts)+1.34 pts vs state
$209kMedian applicant income
69Loans originated
6Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 76 | 44 | 6.6% | 8.75% | #299 |
| 2024 | 134 | 69 | 6.0% | 8.50% | #242 |
| 2025 | 123 | 69 | 4.9% | 7.50% | #267 |
What Citadel Servicing lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most Citadel Servicing applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fairfax County | 23 | 14 | 0 | 0.0% |
| Richmond city | 12 | 4 | 0 | 0.0% |
| Norfolk city | 10 | 3 | 1 | 10.0% |
| Prince William County | 8 | 5 | 1 | 12.5% |
| Newport News city | 8 | 5 | 0 | 0.0% |
| Loudoun County | 6 | 4 | 0 | 0.0% |
| Bedford County | 3 | 2 | 0 | 0.0% |
| Roanoke city | 3 | 1 | 0 | 0.0% |
| York County | 3 | 1 | 0 | 0.0% |
| Arlington County | 3 | 3 | 0 | 0.0% |
Other large lenders in Virginia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Navy Federal Credit Union | D | 19,395 | 19.3% | 7.75% |
| Rocket Mortgage | C | 19,274 | 14.8% | 6.63% |
| United Shore Financial Services | B | 13,994 | 10.4% | 6.12% |
| Truist Bank | C | 11,838 | 31.6% | 6.49% |
| Mortgage Research Center | C | 9,000 | 16.7% | 6.25% |
| Pennymac Loan Services | C | 8,334 | 10.7% | 6.38% |
| Freedom Mortgage | B | 8,029 | 6.5% | 6.25% |
| Bank of America | F | 6,584 | 31.9% | 6.24% |
| Newrez | D | 6,390 | 16.4% | 6.38% |
| Movement Mortgage | A | 6,126 | 4.3% | 6.56% |
Frequently asked questions
Virginia: 123 applications in 2025, of which 69 were originated and 6 denied.
4.9% of all applications, or 5.5% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans Citadel Servicing originated in Virginia in 2025 was 7.50%, against a statewide median of 6.63%.
About this data. Figures are Citadel Servicing's own HMDA filing for properties located in Virginia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology