Purchase Originations
1,673
Ranked #261 nationally
Median Total Costs
$13,336
+99.6% vs national ($6,680)
↓ $1,009 vs prior year
Median Rate
7.375%
+13.6% vs national (6.490%)
↓ 1.000% vs prior year
Median Origination
$9,388
Median Lender Credits
$250
Cost Rank (500+ vol.)
#591
among lenders with 500+ originations
Denial Rate
2.3%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 1,673 | 7.375% | $13,336 | $9,388 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| California | 498 | 7.125% | $14,353 | #77 |
| Florida | 265 | 7.375% | $14,956 | #132 |
| Texas | 196 | 7.375% | $13,166 | #210 |
| Nevada | 63 | 7.375% | $14,730 | #82 |
| New Jersey | 57 | 7.875% | $12,922 | #146 |
| Georgia | 56 | 7.875% | $12,479 | #197 |
| Hawaii | 50 | 7.125% | $11,111 | #29 |
| Arizona | 46 | 7.312% | $14,799 | — |
| North Carolina | 42 | 8.437% | $12,329 | — |
| Utah | 38 | 6.999% | $16,024 | — |
| Washington | 36 | 7.438% | $13,446 | — |
| Illinois | 34 | 7.999% | $11,838 | — |
| Colorado | 32 | 7.438% | $12,548 | — |
| Oregon | 32 | 7.562% | $12,200 | — |
| South Carolina | 25 | 7.750% | $11,451 | — |
| Ohio | 22 | 7.562% | $8,679 | — |
| Pennsylvania | 22 | 8.124% | $9,076 | — |
| Virginia | 22 | 7.562% | $12,940 | — |
| Michigan | 14 | 8.625% | $11,395 | — |
| Connecticut | 13 | 7.375% | $16,836 | — |
| Maryland | 13 | 7.250% | $12,817 | — |
| Tennessee | 12 | 8.000% | $10,453 | — |
| Missouri | 10 | 7.812% | $6,698 | — |
| Alabama | 9 | 6.999% | $8,760 | — |
| Idaho | 7 | 7.375% | $12,005 | — |
| Kentucky | 7 | 7.500% | $17,023 | — |
| New Mexico | 7 | 7.500% | $11,744 | — |
| Kansas | 6 | 9.125% | $8,985 | — |
| Louisiana | 6 | 8.312% | $12,396 | — |
| Arkansas | 4 | 8.062% | $8,220 | — |
| Indiana | 4 | 8.625% | $6,563 | — |
| Minnesota | 4 | 8.625% | $13,806 | — |
| Montana | 4 | 7.375% | $8,656 | — |
| Nebraska | 4 | 7.438% | $9,226 | — |
| Delaware | 3 | 7.250% | $16,970 | — |
| Oklahoma | 3 | 6.750% | $8,548 | — |
| Wisconsin | 2 | 8.625% | $24,244 | — |
| Wyoming | 2 | 7.375% | $8,980 | — |
| District of Columbia | 1 | 9.375% | $11,504 | — |
| New Hampshire | 1 | 7.500% | $12,729 | — |
| Vermont | 1 | 7.500% | $12,203 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $8,926 | 6.999% | — | 20 | −$4,410 | |
| 2 | $10,735 | 7.999% | — | 21 | −$2,601 | |
| 3 | $10,772 | 7.688% | — | 38 | −$2,564 | |
| 4 | $11,729 | 7.000% | — | 21 | −$1,607 | |
| 5 | $12,500 | 7.062% | — | 38 | −$836 | |
| 6 | $12,865 | 8.437% | — | 16 | −$471 | |
| 7 | $13,119 | 7.562% | — | 18 | −$217 | |
| 8 | $13,286 | 7.125% | — | 23 | −$50 | |
| 9 | $13,728 | 6.999% | — | 37 | +$392 | |
| 10 | $13,785 | 6.875% | — | 28 | +$449 | |
| 11 | $13,789 | 7.250% | — | 47 | +$453 | |
| 12 | $13,941 | 7.375% | — | 21 | +$605 | |
| 13 | $14,648 | 6.875% | — | 36 | +$1,312 | |
| 14 | $14,663 | 7.375% | — | 54 | +$1,327 | |
| 15 | $14,760 | 7.250% | — | 29 | +$1,424 | |
| 16 | $15,703 | 7.125% | — | 154 | +$2,367 | |
| 17 | $15,713 | 7.188% | — | 30 | +$2,377 | |
| 18 | $17,568 | 7.312% | — | 38 | +$4,232 | |
| 19 | $18,155 | 6.999% | — | 46 | +$4,819 | |
| 20 | $20,566 | 7.500% | — | 62 | +$7,230 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Citadel Servicing Corporation | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $455,000 | $335,000 | +$120,000 (+35.8%) |
| Median total closing costs | $13,336 | $7,127 | +$6,209 (+87.1%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.