What loan types does Citadel Federal Credit Union offer?

Citadel Federal Credit Union offers the following mortgage loan types: Conventional. Each product has its own pricing score and performance metrics.

Where does Citadel Federal Credit Union offer mortgages?

Citadel Federal Credit Union offers mortgages in 6 states: DE, FL, MD, NJ, PA, SC.

How competitive are Citadel Federal Credit Union's mortgage rates?

Citadel Federal Credit Union has an overall pricing score of 85/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Citadel Federal Credit Union?

Citadel Federal Credit Union is a Credit Union headquartered in Exton, PA.

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Citadel Federal Credit Union

Credit Union•Exton, PAHQ•Direct•Reviews near you on Google

Citadel Federal Credit Union has 183 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Exceptional

5/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Sound

3/5

Conventional

Place

Sound

3/5

Multi-Region · 4 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

What They Do Well

Competitive pricing compared to the market
Lower than average lender fees

Explore another lender or local market

Report Card

Citadel Federal Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Exceptional

+11.1 bps above market avg

5/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

179 loans · 0.12% above market

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Purchase

121 loans · 0.04% above market

Acceptable

Bottom 40% of lenders

2/5

Refinance

62 loans · 0.25% above market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Multi-Regional · 5 markets

Sound

Top 60% of lenders

3/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Sound	Exceptional	Acceptable	179	97.8%	+0.119%Above	$630Fees

Conventional

Overall

Sound

Product

Sound

Pricing

Exceptional

Pull Through

Acceptable

Volume179

Mix97.8%

Spread

+0.119%Above

Fees

$630Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Acceptable	Exceptional	Sound	121	66.1%	+0.045%Above	$630Fees
Refinance	Sound	Sound	Strong	Acceptable	62	33.9%	+0.251%Above	$658Fees

Purchase

Overall

Sound

Product

Acceptable

Pricing

Exceptional

Pull Through

Sound

Volume121

Mix66.1%

Spread

+0.045%Above

Fees

$630Fees

Refinance

Overall

Sound

Product

Sound

Pricing

Strong

Pull Through

Acceptable

Volume62

Mix33.9%

Spread

+0.251%Above

Fees

$658Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

183

Applications

308

Volume

$56 million

Pricing & Closing

Avg Rate Spread

+0.111%

vs. market APOR

Avg Net Fees

$639

Origination − Credits

Pullthrough Rate

59.4%

Applications → Closed

Typical Borrower

Avg Loan Amount

$306,585

Avg Borrower Income

$157,109

Avg Property Value

$499,699

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

6Full-year 2024 · HMDA

Loans originated

< 2020+None

Northeast2

NJPA

South4

DEFLMDSC

Top Metro Areas by Place Specialization Score

Montgomery County, PAMetro

Volume 93Mix 50.82% of portfolio

78/100

Strong

Philadelphia, PAMetro

Volume 20Mix 10.93% of portfolio

54/100

Sound

Lancaster, PAMetro

Volume 14Mix 7.65% of portfolio

52/100

Sound

Atlantic City, NJMetro

Volume 10Mix 5.46% of portfolio

46/100

Sound

Top States by Place Specialization Score

PennsylvaniaState

Volume 147Mix 80.33% of portfolio

73/100

Strong

New JerseyState

Volume 16Mix 8.74% of portfolio

47/100

Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.