The Mortgage Record
Lender report card · New Jersey

Citadel Servicing Corporation

Irvine, CA · What the federal mortgage record shows about how Citadel Servicing Corporation treated New Jersey applicants, 2018–2025 — 1,038 reported decisions. This is historical behavior, not a prediction about your loan.

Approval rate
92.3%
958 approved
Denial rate
7.7%
80 denied
Decisions
1,038
2018–2025
Avg. rate spread
+2.32 pp
vs. market benchmark
92.3% approved
7.7% denied

Share of 1,038 New Jersey applications Citadel Servicing Corporation approved vs. denied. Excludes loans it merely purchased on the secondary market, and applications withdrawn or left incomplete.

Approval rate by loan type

Conventional92.3% of 1,038 · NJ 87%

“NJ” = the statewide average approval rate for that loan type, for comparison.

Approval rate over time

67%75%83%91%99%95%91%71%92%97%94%94%96%20182019202020212022202320242025

Pricing

Adjusting for its loan-type mix, Citadel Servicing Corporation’s rates ran +2.10 pp higher than the typical New Jersey lender (average rate spread +2.32 pp above the market benchmark). Rate spread is APR minus the average prime offer rate; positive means costlier than the low-risk benchmark.

Who Citadel Servicing Corporation approves

By income
Under $50k83.8% · 68$50–75k90.8% · 87$75–100k94.9% · 98$100–150k91.5% · 176$150–250k91.9% · 211$250k+93.9% · 391
By debt-to-income
Under 36%93.1% · 53736–43%94.0% · 18343–50%93.0% · 243Over 50%78.6% · 70
By down payment (LTV)
20%+ down90.0% · 57010–20% down90.0% · 40

Why Citadel Servicing Corporation denied applications

Other78% of denialsCredit history18% of denialsCollateral (value/type)16% of denialsUnverifiable information9% of denialsDebt-to-income ratio9% of denialsIncomplete application1% of denials

Where Citadel Servicing Corporation lends in NJ

CountyDecisionsApproval
Bergen County14796.6%
Monmouth County13291.7%
Ocean County9693.8%
Essex County9094.4%
Middlesex County7989.9%
Hudson County6195.1%
Passaic County6088.3%
Union County5891.4%

Fees & closing costs

Median total loan costs
$11,817
home purchase
As % of loan
3.67%
NJ median 1.93%
Priced originations
384
with fee data

Median lender and third-party costs (the Loan Estimate’s “total loan costs”) on Citadel Servicing Corporation’s home-purchase originations — 1.74 points higher than the 1.93% New Jersey median. Typical lender credit toward costs: $250. Excludes prepaid taxes/insurance and escrow deposits. Fees are reported on roughly two-thirds of originations (small lenders are exempt). Methodology →

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Source: CFPB HMDA loan-level data, 2018–2025 · first-lien, closed-end mortgages on 1–4 family homes in New Jersey reported by Citadel Servicing Corporation (LEI 254900E6AIE4Z8YQM970). Rates describe past reported outcomes for the lender’s applicant pool and are not a prediction for any individual. Methodology →