Citadel Servicing Corporation
6,979 mortgages originated in 2025 across 23 states, and what they cost borrowers.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 6,979
- Median rate
- 7.500%
- Median lender fees
- $12,729
- Median loan amount
- $345,000
- Median spread over APOR
- 0.962
- Paid discount points
- 8.3%
- Received lender credits
- 28.4%
- Purchases / refinances
- 56% / 44%
- Conventional / FHA / VA
- 100% / 0% / 0%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 40.9% of loans here — see methodology.
Where Citadel Servicing Corporation lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| California | 1,470 | $13,787 | 7.125% |
| Florida | 1,222 | $14,643 | 7.375% |
| Texas | 651 | $12,212 | 7.625% |
| New York | 358 | — | 7.250% |
| New Jersey | 278 | $12,932 | 7.625% |
| Arizona | 267 | $10,499 | 7.500% |
| Georgia | 252 | $12,435 | 7.750% |
| Hawaii | 244 | $13,096 | 7.250% |
| South Carolina | 197 | — | 9.125% |
| North Carolina | 181 | $12,179 | 7.875% |
| Pennsylvania | 173 | — | 7.875% |
| Nevada | 170 | $14,043 | 7.375% |
| Illinois | 147 | $10,453 | 7.875% |
| Washington | 146 | $12,553 | 7.500% |
| Connecticut | 123 | — | 7.500% |
| Utah | 119 | $15,766 | 7.000% |
| Oregon | 109 | $11,241 | 7.625% |
| Maryland | 105 | — | 7.750% |
| Colorado | 92 | $11,787 | 7.375% |
| Virginia | 69 | — | 7.500% |
| Ohio | 67 | — | 8.125% |
| Tennessee | 63 | — | 7.500% |
| Alabama | 52 | — | 7.250% |