Applications / Mortgage Analytics / Lenders / California / Citadel Servicing
Irvine, CA · Non-bank lender · CFPB · 7,003 loans in 2025
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7,003
loans originated, 2025
11,548
applications, 2025
48
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Citadel Servicing makes only conventional loans, with far more jumbo lending than similar lenders, and grew 19% in 2025 to 7,003 loans, its fifth straight yearly rise.
All its loans were conventional, against 58.7% at similar lenders (non-bank lenders making between half and twice as many loans), so it differs in kind from most of them. Its typical loan was $345,000, against $295,000, and 10.7% were jumbo (larger than the conforming limit), against 1.0%. Its lending was 56.0% purchase and 44.0% refinance.
Originations rose 19% from 5,894, against 18% for similar lenders and 10% for the whole market, and have risen each year since 1,321 in 2020. It also bought 2,272 loans from other lenders, after buying none in 2024.
It made 28.1% of its loans in LMI (low- and moderate-income) areas, against 20.3%, and 47.4% in majority-minority areas, against 28.0%, higher than nearly nine in ten similar lenders on both. Only 12.2% went to LMI borrowers, against 36.0%; its larger loans may go to higher-income borrowers even where they buy in LMI areas.
It ranked 28 of 937 in Miami-Fort Lauderdale-West Palm Beach, 41 of 757 in Los Angeles-Long Beach-Anaheim and 58 of 606 in San Francisco-Oakland-Fremont. In San Diego-Chula Vista-Carlsbad its share held at 0.3%.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Citadel Servicing took 11,548 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 56.0% · Refinance 44.0% · Home improvement 0.0%
Conventional 100.0% · of 7,003 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| California | 1,474 | 21.0% |
| Florida | 1,225 | 17.5% |
| Texas | 653 | 9.3% |
| New York | 359 | 5.1% |
| New Jersey | 278 | 4.0% |
| Arizona | 268 | 3.8% |
| Georgia | 252 | 3.6% |
| Hawaii | 244 | 3.5% |
| South Carolina | 197 | 2.8% |
| North Carolina | 181 | 2.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Los Angeles-Long Beach-Glendale | 419 |
| Houston-Pasadena-The Woodlands | 287 |
| Miami-Miami Beach-Kendall | 272 |
| New York-Jersey City-White Plains | 227 |
| Riverside-San Bernardino-Ontario | 180 |
| Phoenix-Mesa-Chandler | 175 |
| Urban Honolulu | 175 |
| Fort Lauderdale-Pompano Beach-Sunrise | 163 |
| Las Vegas-Henderson-North Las Vegas | 153 |
| Orlando-Kissimmee-Sanford | 151 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900E6AIE4Z8YQM970 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 4877581 | 2015–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7208006279 |
Established 2 September 2003. Reported under HMDA 2014-2025.
Mergers, name changes, data editions and corrections: Citadel Servicing's data.
Citadel Servicing's data
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Citadel Servicing and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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