Citadel Servicing in Wisconsin vs the state
7.1%Denial rate-6.87 pts vs state
8.1%Decision denial rate-8.25 pts vs state
33.3%Origination rate-34.82 pts vs state
8.00%Median rate+1.38 pts vs state
1.29Rate spread (pts)+1.17 pts vs state
$128kMedian applicant income
14Loans originated
3Denied
Trend in Wisconsin
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 38 | 20 | 13.2% | 9.13% | #330 |
| 2024 | 57 | 23 | 10.5% | 9.38% | #307 |
| 2025 | 42 | 14 | 7.1% | 8.00% | #353 |
What Citadel Servicing lends in Wisconsin
By loan purpose
By loan type
Why it denied Wisconsin applicants
Where in Wisconsin
Counties with the most Citadel Servicing applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Milwaukee County | 22 | 5 | 1 | 4.5% |
| Kenosha County | 3 | 2 | 0 | 0.0% |
| Waukesha County | 3 | 2 | 0 | 0.0% |
| Washington County | 3 | 1 | 1 | 33.3% |
| Rock County | 2 | 0 | 1 | 50.0% |
| Jefferson County | 2 | 0 | 0 | 0.0% |
| Dodge County | 1 | 1 | 0 | 0.0% |
| Walworth County | 1 | 0 | 0 | 0.0% |
| Barron County | 1 | 0 | 0 | 0.0% |
| Racine County | 1 | 1 | 0 | 0.0% |
Other large lenders in Wisconsin
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Summit Credit Union | A | 15,483 | 13.8% | 6.75% |
| University of Wisconsin Credit Union | A | 11,781 | 13.8% | 6.50% |
| Landmark Credit Union | A | 9,393 | 17.7% | 6.50% |
| Rocket Mortgage | C | 7,819 | 18.0% | 6.63% |
| Associated Bank | B | 7,451 | 23.7% | 6.88% |
| BMO Bank | F | 5,202 | 25.3% | 8.23% |
| Educators Credit Union | B | 4,930 | 24.3% | 6.95% |
| U.S. Bank | D | 4,710 | 26.0% | 6.88% |
| Covantage Credit Union | B | 4,581 | 7.7% | 6.50% |
| United Shore Financial Services | B | 4,421 | 11.8% | 6.38% |
Frequently asked questions
Wisconsin: 42 applications in 2025, of which 14 were originated and 3 denied.
7.1% of all applications, or 8.1% of the applications it actually decided on. The Wisconsin statewide average across all lenders was 14.0%.
The median rate on loans Citadel Servicing originated in Wisconsin in 2025 was 8.00%, against a statewide median of 6.63%.
About this data. Figures are Citadel Servicing's own HMDA filing for properties located in Wisconsin, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology