Make Your Move with Citadel

At Citadel, we offer a quick, easy, and secure mortgage process with products that are tailored to your needs.

Citadel Mortgages

Citadel offers competitive mortgage products and rates. Contact a Mortgage Loan Originator today and we’ll walk you through the lending process to help you decide which product is best for you.

Loan Features Traditional Loan   Adjustable Rate Mortgage (ARM) Loan Jumbo Loan 
10, 15, 20, 30 Year Terms  ✔    ✔
Standard Underwriting  ✔  ✔  ✔
Maximum 95% Loan to Value  ✔  ✔  
Mortgage Loan Originators available  ✔  ✔  ✔
Loan Amounts up to $2,500,000      ✔


Ready to speak with a representative about a Citadel mortgage?

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Contact a Consultant

Not sure yet? No problem. Our Loan Specialists will help answer your questions and walk you through every step of the loan process.

citadel-financial-credit-union-matt-keuhn
Matt Kuehn
Mortgage Loan Originator - NMLS#1312273
Serving Bucks, Chester, Delaware, Lancaster, Montgomery & Philadelphia Counties
mortgage loan originator
Lisa J. Nelson
Mortgage Loan Originator - NMLS #616730
Serving Bucks, Chester, Delaware, Lancaster, Montgomery & Philadelphia Counties
mortgage loan originator
John A. Alberici
Mortgage Loan Originator- NMLS#28194
Serving Bucks, Chester, Delaware, Lancaster, Montgomery & Philadelphia Counties

Hear From Our Customers

Featured Mortgage Rates

*Offers are subject to credit approval. REG = Regular Rate. APR = Annual Percentage Rate. Read Full Disclosures.

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Introducing Citadel Video Connect

We've introduced a new way to bank, making it easier than ever to chat face-to-face with a local Citadel team member. The best part? You can connect with us safely and securely from anywhere — with just a few clicks on your laptop, desktop computer, or your mobile device. Learn more.

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Title and Settlement Services

Take the stress out of the mortgage loan process with exclusive title and settlement services from Citadel. Citadel has partnered with Entrust Services Group, LLC to offer title and loan closing services for both lenders and borrowers. Enjoy complete support through the entire title process, from application to closing.

Complete Support and Servicing

Entrust Services Group offers industry expertise and convenient services to help you streamline the loan process from start to finish.

Member Benefits:

  • Title search and insurance services
  • Flexible settlement options
  • Complete settlement services

Please fill out the request form below to learn more about Entrust Services Group or email us at title@enstrustsg.com for a free comparative rate quote and an estimate of closing costs.

*Agreements and Disclosures

View *Agreements and Disclosures

Citadel is an Equal Housing Lender.

Easy Refinance Program

Rate expressed as Annual Percentage Rate (APR), and is subject to change without notice. Offer can be withdrawn at any time. APR shown is for first-lien position loans up to 90% Loan-To-Value (LTV) on single-family owner-occupied properties in PA, NJ, MD, and DE. Various APRs and terms are available. Loans above $500,000 will require borrower to purchase title insurance. Loans above $400,000 will require an appraisal. Fees from current mortgage lender may apply. LTVs above 80% must escrow taxes. LTVs below 80% may escrow taxes at request of homeowner. Offer is subject to credit approval, income verification and market value assessment. Existing mortgage loans must be current and have no late payments in the last 12 consecutive months. Property insurance is required. If the collateral is determined to be in an area that has special flood areas, flood insurance will be required as well. Properties currently listed for sale are not eligible for this promotion. Property cannot be a co-op or mobile home. Minimum $50,000 in non-Citadel mortgage balances. Not available for purchasing new property. *Rate as of

Traditional Mortgage

Fixed Rate Mortgage Terms

Rate expressed as Annual Percentage Rate (APR), and is subject to change without notice. Offer can be withdrawn at any time. APR shown is for first-lien position loans up to 95% Loan-To-Value (LTV) on single-family owner-occupied properties in PA, NJ, MD, and DE. Various APRs and terms are available. Loans will require borrower to purchase title insurance and appraisal. Lender fees will apply. LTVs above 80% must escrow taxes. LTVs below 80% may escrow taxes at request of homeowner. Offer is subject to credit approval, income verification and appraisal. Existing mortgage loans must be current and have no late payments in the last 12 consecutive months. Property insurance is required. If the collateral is determined to be in an area that has special flood areas, flood insurance will be required as well. Properties currently listed for sale are not eligible. Property cannot be a co-op or mobile home. Other restrictions apply on cash-out mortgage loans. Rate as of .

Adjustable Rate Mortgage (ARM)

An Adjustable Rate Mortgage (ARM) means that your payment may change in the future. Citadel ARM mortgages have a fixed rate for a period of time, then rates can adjust annually. The fixed rate period varies based on the ARM loan you select and is shown right in the name of the ARM loan. Citadel offers three ARM loans: a 5/1 ARM, 7/1 ARM, and 10/1 ARM. The ARM numbers, “5/1”, show how long the initial fixed rate lasts and how often the rate can change afterward.

For Example:

• A 5/1 ARM has a fixed interest rate until the 60th month (5 years) and can change every 12 months (1 year) after.

• A 7/1 ARM has a fixed interest rate until the 84th month (7 years) and can change every 12 months (1 year) after.

• A 10/1 ARM has a fixed interest rate until the 120th month (10 years) and can change every 12 months (1 year) after.

How is my rate calculated?

The initial fixed interest rate is based on interest rate, loan amount, and total term of the loan when your loan is closed. This is the discounted rate and lasts for 5, 7, or 10 years depending on the ARM loan selected. The Adjustable Interest Rate is based on an interest rate index plus a margin. All of our Citadel ARM mortgage interest rates are based on the 1 Year UST CM (weekly), rounded to the nearest 0.125% (currently 0.08). More information about this index is available at www.federalreserve.gov/releases/h15. Our current margin is 2.5%.

How can my Interest Rate change?

Your interest rate can adjust when the initial fixed interest rate period ends, and every 12 months thereafter. Your interest rate will never increase or decrease more than 2 percentage points at any rate adjustment or 5% over the life of the loan. Your interest rate will never increase more than 5 percentage points over the initial discounted rate or be lower than 2.500%.