Find the New Home (and Rates) You Love
Fixed Rates for Mortgages
Enjoy low, fixed interest rates and fixed monthly payments on our fixed rate mortgage when borrowing with Citadel. Contact a Mortgage Loan Expert today, and we’ll walk you through the lending process and help you decide which fixed rate mortgage is best for you based on your needs.
Low, Fixed Rates
Your interest rate (and principal & interest payment) won’t change for the life of the loan.
Flexible Terms
You can lower your payments by spreading them out over a longer period of time. Choose the term that works with your budget.
Homeowner Education
From Saving Tips for New Homeowners to Homebuyer Terms to know, we’ve got you covered.
Featured Mortgage Rates
*Offers are subject to credit approval. REG = Regular Rate. APR = Annual Percentage Rate. Read Full Disclosures.
Additional Features
- Free pre-approval – Get your financing approved before you buy, so you know exactly how much you can spend. Get pre-qualified.
- Free prepayment – We do not charge penalties if you want to pay off your mortgage early.
- Servicing by Citadel – Citadel will be your mortgage servicer. You’ll make payments to Citadel, and we’ll be your point of contact for any questions you may have.
- Regional availability – Citadel mortgages are available in Pennsylvania, Delaware, Maryland, and New Jersey.
- Title insurance – Citadel can help you obtain title insurance and other title-related services. Learn more.
- Online & Mobile Banking – Make payments and manage your loan account. Learn More.
To learn more about Citadel's fixed rate mortgage product and our fixed interest rates contact us today!
Ready to speak with a representative about a Fixed-Rate Mortgage?
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Citadel's Video Specialists are just a few clicks away with Video Connect. Skip the trip to the branch office and video chat safely and securely from your preferred location. Learn More.
On your laptop, desktop, or mobile device, our Video Specialists can help you complete almost any banking-related task:
✔ Open a new account
✔ Add a product to a current account
✔ Apply for a loan
✔ Talk to a business banking expert
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.

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*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%.