Citadel Federal Credit Union
Exton, PA · What the federal mortgage record shows about how Citadel Federal Credit Union treated New Jersey applicants, 2018–2025 — 338 reported decisions. This is historical behavior, not a prediction about your loan.
Share of 338 New Jersey applications Citadel Federal Credit Union approved vs. denied. Excludes loans it merely purchased on the secondary market, and applications withdrawn or left incomplete.
Approval rate by loan type
“NJ” = the statewide average approval rate for that loan type, for comparison.
Approval rate over time
Pricing
Adjusting for its loan-type mix, Citadel Federal Credit Union’s rates ran -0.01 pp in line with than the typical New Jersey lender (average rate spread +0.21 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 Federal Credit Union approves
Why Citadel Federal Credit Union denied applications
Where Citadel Federal Credit Union lends in NJ
| County | Decisions | Approval |
|---|---|---|
| Cape May County | 120 | 83.3% |
| Gloucester County | 43 | 62.8% |
| Burlington County | 42 | 71.4% |
| Camden County | 40 | 70.0% |
| Atlantic County | 39 | 84.6% |
Fees & closing costs
Median lender and third-party costs (the Loan Estimate’s “total loan costs”) on Citadel Federal Credit Union’s home-purchase originations — 0.86 points lower than the 1.93% New Jersey median. Excludes prepaid taxes/insurance and escrow deposits. Fees are reported on roughly two-thirds of originations (small lenders are exempt). Methodology →
Compare Citadel Federal Credit Union to other lenders for your profile
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Open the approval tool →Source: CFPB HMDA loan-level data, 2018–2025 · first-lien, closed-end mortgages on 1–4 family homes in New Jersey reported by Citadel Federal Credit Union (LEI 549300XOOL3OJTITCV30). Rates describe past reported outcomes for the lender’s applicant pool and are not a prediction for any individual. Methodology →