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  • Monday, 23 March 2020 13:30

Box Portal Disclosure

In response to the COVID-19 pandemic, Citadel Servicing Corporation (“CSC”) is temporarily pausing this application review for 30 days or until market conditions permit. This is a temporary suspension of the application process and not a final disposition. Effective immediately, CSC is not accepting or reviewing any further conditions. We appreciate your business and look forward to continuing your application review at a later date.

  • Monday, 23 March 2020 10:10

Citadel Consumers and Business Partners COVID-19 Update (05/12/2020)

Dear Valued Clients and Business Partners,

As a valued client and business partner of Citadel Servicing Corporation (“CSC”), we are writing to inform you of the latest developments in light of COVID-19, the recent announcement of California’s Stay at Home Order, as well as rapidly changing conditions in the financial markets.

To protect the health and safety of our employees, our customers, and to maintain CSC’s position as the Non-QM market leader, we have decided to continue with our stay-at-home policy for many of our departments, and we are also continuing the temporary pause in loan originations. This decision was made with great deliberation, taking into consideration Federal, State, and local officials’ guidance, your health and safety, and the health and future of CSC.

We are making this business decision out of an abundance of caution, in order to comply with the continuation of California Governor Newsom’s Executive Order, and recognizing the in-person interactions at loan closings and in the origination process. Current conditions require reconsidering these interactions.

Importantly, CSC is not terminating or shutting its operations.

Our servicing department is fully operational and ready to address borrower questions and concerns. Our dedicated customer service representatives are available at (888) 800-7661 during normal business hours from 8 a.m. to 5 p.m. (PDT). Borrowers may also utilize our online portal (www.citadelservicing.com) to access their accounts, make payments, and get up to date information. Borrowers in need of assistance can call the same number to receive our loss mitigation department.

We value our relationships and regret that this may be a burden in this difficult time for all of us. CSC plans to fully resume normal operations as soon as conditions permit. We will be back, and with your continued support, stronger and better than ever.

We will continue to evaluate how to best devote our resources to serve the needs of our employees, clients, and our partners and keep you informed accordingly.

  • Wednesday, 18 March 2020 14:23

COVID-19 (Coronavirus) Update

Like you, we are closely monitoring the latest news about COVID-19 (Coronavirus) and taking necessary steps to help protect the safety of our customers and employees. That’s why we’re doing all we can to make sure our service is uninterrupted.


What We Are Doing and How We Can Help:

  • We are closely monitoring the COVID-19 (coronavirus) situation and taking necessary steps to keep our employees and customers safe.

  • Providing safe working environments for our employees and sharing regular updates as new information becomes available.

  • Our online Payment Portal makes it easier for customers to check the status of their loan, find answers to any questions they have, and to make payments.

  • We have staff on hand who are monitoring emails and are available via phone to answer any questions. Email us at This email address is being protected from spambots. You need JavaScript enabled to view it.

  • You can get prevention updates from the Centers for Disease Control and Prevention (CDC) website to help keep you and your family safe.

  • Beware of scams and fraud as criminals may use situations like this to impersonate companies, charities and government agencies. Read our Fraud FAQs for further information.

  • Please note that due to higher than normal call volumes, our response time may be delayed.
  • Tuesday, 07 January 2020 09:00

Thank you for submitting the form

A member of our team will be in touch shortly.

If you would like to start your loan application, click here

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  • Friday, 02 August 2019 13:24
 Return to Main Page

Refinance

Qualify with your most recent bank statement!*

Apply Now

We Accept

  • Bank Statements for self-employed & 1099
  • Asset Depletion
  • Trad. W2s, paystubs or tax returns
  • 2 years from Credit Event
  • Credit scores down to 500

Loan Amounts

  • Min. $150,000
  • Max. $5,000,000

Property Types

  • Owner or 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, Michigan, Minnesota, Montana, New Jersey, North Carolina, Oregon, Pennsylvania, South Carolina, Tennessee, Utah, Virginia, Washington, Wisconsin

*Rates, terms, and programs are subject to change without notice. This is not a commitment to make a loan or approval of particular loan terms. Offer of credit subject to credit approval per applicable underwriting and program guidelines, applicant eligibility and market conditions. Not all applicants may qualify.

 
  • Friday, 02 August 2019 13:23
 Return to Main Page

Purchase

Qualify with your most recent bank statement!*

Apply Now

We Accept

  • Bank Statements for self-employed & 1099
  • Asset Depletion
  • Trad. W2s, paystubs or tax returns
  • 2 years from Credit Event
  • Credit scores down to 500

Loan Amounts

  • Min. $150,000
  • Max. $5,000,000

Property Types

  • Owner or 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, Michigan, Minnesota, Montana, New Jersey, North Carolina, Oregon, Pennsylvania, South Carolina, Tennessee, Utah, Virginia, Washington, Wisconsin

*Rates, terms, and programs are subject to change without notice. This is not a commitment to make a loan or approval of particular loan terms. Offer of credit subject to credit approval per applicable underwriting and program guidelines, applicant eligibility and market conditions. Not all applicants may qualify.

 
  • Friday, 02 August 2019 13:18

Citadel ServicingNon-Prime Lending Done Right


Qualify for a loan with your most recent bank statement!

Are you looking to:


Woman in empty room with moving boxes

Qualify simply with great rates and better service, plus*:

  • No Reserves
  • No Tax Returns
  • Interest Only Option Available

*Rates, terms, and programs are subject to change without notice. This is not a commitment to make a loan or approval of particular loan terms. Offer of credit subject to credit approval per applicable underwriting and program guidelines, applicant eligibility and market conditions. Not all applicants may qualify.

  • Wednesday, 27 February 2019 10:38

ODF Plus Broker Licensing Requirements - Commercial

THIS INFORMATION IS CURRENT AS OF SEPTEMBER 2018 AND IS PROVIDED FOR INFORMATIONAL PURPOSES ONLY. IT IS NOT INTENDED AS LEGAL ADVICE BY CSC ON ANY MATTER. CSC DOES NOT REPRESENT AND HEREYBY DISCLAIMS ANY AND ALL WARRANTY OR GUARANTEE, WHETHER EXPRESS OR IMPLIED, THAT THIS INFORMATION IS ACCURATE, COMPLETE OR FIT FOR ANY PARTICULAR PURPOSE. CSC SHALL NOT BE LIABLE IN ANY WAY FOR THE INFORMATION CONTAINED HEREIN. Any and all information regarding state licensing statutes and qualification requirements should be performed by you and you should seek appropriate professional advise before taking any actions based on the information contained herein, including without limitation, attempting to qualify a borrower or take a mortgage application. The information below is specific and limited to qualification for brokering a loan to CSC’s Outside Dodd-Frank Plus product only. The copying, disclosure, reproduction, dissemination, or distribution of this information is strictly prohibited.

State Licensing Requirement License Type
Alabama None None
Arizona Yes Commercial Mortgage Broker License; AZ NMLS
Arkansas None None
California Yes CFL, DRE/BRE, NMLS
Colorado None None
Connecticut None None
Delaware None None
District of Columbia None None
Florida Yes Mortgage Lender License or Broker; Fla. NMLS
Georgia None None
Idaho None None
Illinois None None
Indiana None None
Kansas None None
Kentucky None None
Louisiana None None
Maine None None
Maryland None None
Michigan None None
Minnesota Yes Mortgage Lender or Broker License; Minn. NMLS
Montana None None
Nebraska None None
North Carolina None None
New Hampshire None None
New Jersey None None
Nevada Yes Mortgage Bankers License; Must have in-state office, foreign corporation not doing business in the state can make an occasional unsolicited loan or attain an Exemption of License Certificate (commercial only brokers)
Oklahoma None None
Oregon Yes Mortgage Lender License; NMLS
Pennsylvania None None
South Carolina None None
Tennessee None None
Texas None None
Utah None None
Vermont Yes Commercial Lender License, if loan amount under $1mil
Virginia None None
Washington None None
Wisconsin None None
Wyoming None None
  • Wednesday, 20 February 2019 09:46

Citadel Servicing Corporation Licensing Information

Citadel Servicing Corporation (CSC) headquarted at 15707 Rockfield Boulevard, Suite 320, Irvine, CA 92618

NMLS ID #144549

Nationwide Mortgage Licensing System (NMLS) Consumer Access Web Site:

Nationwide Mortgage Licensing System (NMLS) Consumer Access Web Site - http://www.nmlsconsumeraccess.org/
Alabama Alabama Consumer Credit License #22078
California
  • Licensed under Division of Business Oversight Under the California Residential Mortgage Lending Act License# 41DBO-74196
  • Department of Real Estate (DRE) ID #: 01799059
  • Finance Lenders Law License (DBO) ID #: 60DBO94450
Colorado Colorado Mortgage Company Registration ML-144549
Connecticut Connecticut Mortgage Lender License# ML-144549
D.C. D.C. Mortgage Lender License #MLB144549 and #MLO273860
Florida Florida Mortgage Lender Servicer License #MLD523
Georgia Georgia Mortgage Lender License/Registration #23462
Illinois
  • Illinois Residential Mortgage License #MB.6761204
  • Licensed by the Department of Financial and Professional Regulation, Mortgage Banking Division, James R. Thompson Center,IDFPR-Residential Mortgage Banking,

    100 W. Randolph, 9th Floor,
    Chicago, Illinois, 60601
    Tel: (844) 768-1713

Indiana Indiana Mortgage Lending License #30531
Maryland Maryland Mortgage Lender License #18483
Michigan Michigan 1st Mortgage Broker/Lender/Servicer License #FL00206854
Minnesota Minnesota Residential Mortgage Originator License #MN-MO-144549
Montana Montana Mortgage Lender License #144549
Nebraska Nebraska Mortgage Broker License #L-160722
New Jersey
  • New Jersey Residential Mortgage Lender License #L-160722
  • Licensed by the N.J. Department of Banking and Insurance
New York
  • Citadel Servicing Corporation dba Citadel Mortgage Services.
  • This site is not authorized by the New York State Department of Financial Services. No mortgage solicitation activity or loan applications for properties located in the State of New York can be facilitated through this site.
North Carolina North Carolina Mortgage Lender License #L-160722
Oklahoma Oklahoma Mortgage Lender License #MLO10720
Oregon Oregon Mortgage Lending License #ML-5599
Pennsylvania Pennsylvania Mortgage Lending License #51804
South Carolina South Carolina Mortgage Lender/Servicer License #MLS-144549
Tennessee Tennessee Mortgage License #125315
Texas
  • SML Mortgage Company License and SML Residential Mortgage Loan Servicer Registration
  • Consumers wishing to file a complaint against a mortgage banker or a licensed mortgage banker residential mortgage loan originator should complete and send a complaint form to the Texas Department of Savings and Mortgage Lending, 2601 North Lamar, Suite 201, Austin Texas 78705. Complaint forms and instructions may be obtained from the department’s website at www.sml.texas.gov. A toll-free consumer hotline is available at 1-877-276-5550.
  • The department maintains a recovery fund to make payments of a certain actual out of pocket damages sustained by borrowers caused by acts of licensed mortgage banker residential mortgage loan originator. A written application for reimbursement from the recovery fund must be filed with and investigated by the department prior to the payment of a claim. For more information about the recovery fund. Please consult the department’s website at www.sml.texas.gov.
Utah Utah Mortgage Entity License #6573920
Virginia Virginia Lender License #MC-5845
Washington Washington Consumer Loan Company License #CL-144549
Wisconsin Wisconsin Mortgage Banker License #144549BA
  • Monday, 28 January 2019 08:39
CSC: Best Non-QM Lender in 2019

The Best Non-QM Lender in 2019

With rising interest rates and intense competition for borrowers, it’s essential to be ahead of the competition. By working with a leading non-QM lender, you can ensure a smoother transaction and more satisfied borrowers.

Citadel Servicing was the first to re-introduce non-prime/non-QM to the market and our experience is reflected in our underwriting expertise and innovative lending products, including:

  • VOE Only
  • The ONE Month Bank Statement Program
  • Jumbo Loans to $5 Million
  • ATR in Full
  • Asset Depletion
  • Outside Dodd-Frank® Plus for 5-35 Unit Properties