Do you have a loan with Citadel Servicing Corporation?

  • Your Loan with CSC
  • Click Here for a Home Loan
  • Order a Payoff Demand or VOM
  • Loan Servicing FAQ

Access the CSS (Customer Self Service) Portal

Several tools are available on the CSS portal: General loan and property information, rate and payment transaction history, tax and insurance information, scheduling one-time or recurring payments, viewing and specifying (paper/electronic) monthly statements, and requesting a payoff.

If this is your first time requiring set up, please be prepared with the following:

  • Your Loan Number
  • First and Last Name on the loan (primary or coborrower)
  • TaxID/SSN (Please call if you do not have a TaxID/SSN on file to receive your uniqueID)
  • Property Zip Code
  • Email Address to attach to your new login

Once you have set up your CSS profile, you will be presented with and prompted to accept the CSC CSS Terms and Conditions, after which you will be able to access all the CSS menus.

Please go to the following link to access your loan in CSC’s servicing system.

Contact CSC

Please direct any inquiries regarding your loan to customer service:

This email address is being protected from spambots. You need JavaScript enabled to view it.
+1 (888) 800-7661
Citadel Servicing Corp
15707 Rockfield Blvd.
Ste. 320
Irvine, CA 92618

ACH Instructions & Forms

Automatic Debit from your Bank Account to pay your Mortgage

ACH Forms


ACH Form (English)


ACH Form (Spanish)


ACH Form (Chinese)


ACH Form (Portugeuse)

We Accept:

  • Bank statements for self-employed and 1099 borrowers who aren't able to provide tax returns
  • Asset depletion: if you have a large savings balance, it can qualify as income
  • Traditional W2s, paystubs or tax returns
  • Recent bankruptcies, foreclosures, short sales, deed-in-lieu and mortgage late payments
  • Credit scores down to 500

Minimum Loan:

  • $150,000

Maximum Loan:

  • $5,000,000

Property Types:

  • Owner occupied 1-4 residential units
  • Non-owner occupied 1-4 residential units

States We Lend In:

Alabama, California, Colorado, Conneticut, District of Columbia, Florida, Georgia, Illinois, Indiana, Kansas, Louisiana, Maine, Maryland, Michigan, Minnesota, Montana, New Jersey, North Carolina, Oregon, Pennsylvania, South Carolina, Tennessee, Utah, Virginia, Washington, Wisconsin


How to order a Payoff Demand or VOM from CSC

Please submit a written request containing the following information:

  • Loan Number
  • Name of Borrower
  • Property Address
  • Estimated Date of Closing or date payoff good thru (cannot exceed 30 days)
  • Written authorization from borrower

Complete contact information of requesting party including:

  • Company Name
  • Mailing Address
  • Phone Number
  • Name and Title
  • Reference Number 

If request is coming from closing agent, we also require the following information regarding title:

  • Title Company
  • Address
  • Name of Title Officer
  • Title Order Number

Email or Fax Requests to:

This email address is being protected from spambots. You need JavaScript enabled to view it.
+1 (949) 538-1001

Frequently Asked Questions

What is included in the loan servicing process?

    • The latest in software and technology

      CSC employs the latest innovations in loan servicing software and technology to manage loan collections. When combined with our high touch “Asset Management” resolution team, CSC provides an unbeatable solution to your loan servicing needs.

    • Lender distributions and reporting

      Lender distributions are paid by the 5th business day of each month via either ACH or check disbursement. Monthly account reports that detail all account activity are mailed out concurrently as a part of each packet to explain all cash flow activities. Of course, on a daily basis, Investors can keep track of their portfolios via access to CSC’s secure internet portal for real-time loan data. At year-end, CSC provides detailed reports that summarize all loan and/or payment activity.

    • Borrower welcome letter and Monthly Statements

      Shortly after their loan funds, borrowers will receive a welcome letter from CSC explaining all of the salient points of the loan servicing process. Thereafter, on a monthly basis, borrowers will receive a statement notifying them of the next payment due and other pertinent data regarding the loan.

    • When a borrower pays late or does not pay

      CSC’s skilled Asset Managers become ever more valuable when a borrower does not pay. Our experienced team knows exactly how to handle collection efforts… Starting with the 10th day of each month, a series of telephone calls supplemented with the appropriate letter are initiated. Since time is of the essence, and once a borrower has failed to pay, a notice of intent to foreclose is prepared in compliance with state legal requirements and sent to the borrower providing for a thirty-day time period to bring the loan current. With your approval, once the thirty-day notice has matured, and if the borrower is still delinquent, a notice of default will be recorded. CSC handles all aspects of the foreclosure process, keeping you informed every step of the way. Click here for options to avoid foreclosure.

    • Impounding property tax and property insurance payments

      CSC generally mandates mortgage loan impounds for taxes and insurance on first liens. Making sure the borrower creates reserve accounts with CSC for these critical obligations, which can affect your lien, further insures your peace of mind.

    • Junior Trust Deed Servicing

      In the instance of junior liens, such as a second trust deed, CSC will always attempt to impound for taxes and insurance if the senior lien has not already done so. If this is not possible, CSC will endeavor to confirm the status of taxes and insurance in addition to mortgage payments to the senior lien by requesting a notice of delinquency and/or foreclosure where available or applicable. It is critical to do this, as a foreclosure by the senior lien can render a second trust deed worthless.

    • IRS 1098 and 1099 reporting

      CSC prepares and delivers IRS 1098 and 1099 interest reporting forms in a timely manner, complying with all government rules and regulations.

  • Payoff Demands and Reconveyance of a Paid Mortgage

    When a loan comes due or a borrower wishes to pay off his or her mortgage, CSC prepares and provides a payoff demand that calculates the exact payoff amount, including outstanding interest and fees. You will also receive a copy of this paperwork. When the loan is paid in full, CSC also provides a recorded reconveyance, removing the lien from the chain of title.