Effective as of July 28, 2021

Citadel Servicing Corporation (“Company”, “we”, “us”, “our” or “CSC”) respects your privacy and are committed to protecting personal information. This Privacy Policy along with our Website Terms of Use describes the types of information we may collect from you or that you may provide to us when you visit the website www.citadelservicing.com (our “Website”), how we use cookies and our practices for using, maintaining, protecting, and disclosing that information.

This policy applies to information we collect:

  • On this Website.
  • In email, text, and other electronic messages between you and this Website.

It does not apply to information collected by:

  • Us offline or through any other means, including but not limited to paper; or
  • Any third party (including our affiliates and subsidiaries), including through any application or content (including advertising) that may link to or be accessible from or on the Website.

Please read this policy carefully to understand our policies and practices regarding your information and how we will treat it. If you do not agree with our policies and practices, your choice is not to use our Website. By accessing or using this Website, you agree to this Privacy Policy. This policy may change from time to time at CSC’s discretion. Your continued use of this Website after we make changes is deemed to be acceptance of those changes, so please check the policy periodically for updates.


When you engage with us or use our products and services, we collect a variety of information from and about you. The kind of data we collect about you depends on how you interact with us, what you share, who you are (broker, borrower, applicant, etc.) and how you use our services. If you are a prospective consumer who did not complete an application, we will have less information about than if you are an existing borrower for whom we service a loan. Even if you don’t have a loan with us, we may still collect some data about you if you engage us in your professional capacity for information about our products and services.

Generally, we collect information that identifies, relates to, describes, references, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or household (“Personal Information”). We obtain your Personal Information from the following categories of sources:

  • Directly from you and your authorized agents. For example, from documents you provide to us related to the services for which you have engaged us.
  • Indirectly from you and your authorized agents or representatives. For example, through information we collect from our clients in the course of providing services to you.
  • Directly from your activity on our website excluding Unique Identifiers. For example, from submissions through our website or Borrower Portal, or online form.
  • From service providers that help us perform the services we provide. For example, from title and escrow companies.
  • From third-parties that interact with us in connection with the services we perform. For example, from lead generation companies.
  • From Cookies (or browser cookies). Please see our Cookie Policy for more information.

We carefully evaluate how we use data to make sure that we are using your information to personalize our services and provide value for you. We may use or disclose the Personal Information we collect for one or more of the following business purposes:

      • To fulfill or meet the reason for which the information is provided. For example, if you provide us with Personal Information in order for us to provide a loan estimate, we will use that information to prepare loan estimates and submit it for an application.
      • To provide you with information, products or services that you request from us.
      • To provide you with email alerts and other notices concerning our products or services, or events or news, that may be of interest to you.
      • To carry out our obligations and enforce our rights arising from any contracts entered into between you and us, including for billing and collections.
      • To improve our website and present its contents to you.
      • For testing, research, analysis and product development.
      • As necessary or appropriate to protect the rights, property or safety of us, our clients or others.
      • To respond to law enforcement requests and as required by applicable law, court order, or governmental regulations.
      • To market our products and services to you.

      We will not collect additional categories of Personal Information or use the Personal Information we collected for materially different, unrelated, or incompatible purposes without providing you notice. In the event we would like to use your Personal Information in a way that is not described here, we will let you know in advance so you can decide if you are comfortable with that use.


We do not sell your Personal Information.

We understand that sharing information with third parties is big responsibility. We are committed to only sharing information when needed for a legitimate business or legal purpose, and then only with recipients who will protect the data. When we disclose Personal Information for a business purpose to offer products and services, we enter a written agreement that describes the purpose and requires the recipient to keep that Personal Information confidential and not use it for any purpose except as need to provide those products and services and only subject to the terms of this privacy policy. When we need to disclose Personal Information to satisfy a legal or regulatory requirement, including responding to a subpoena or other lawful government request, we will share only information as necessary to comply with that requirement. We may also share information if needed to enforce our legal rights, detect or prevent fraud or security concerns and protect public safety. We may share your Personal Information incidental to the sale or securitization of loans. If we are involved in a merger, acquisition or any form of transfer or sale of some or all of our business, whether as a going concern or as part of bankruptcy, liquidation or similar proceeding we may share your information in connection with that transaction.

We disclose your Personal Information for a business purpose to the following categories of third parties:

  • Our partners.
  • Service providers.
  • Third parties to whom you or your agents authorize us to disclose your Personal Information in connection with products or services we provide to you.

If you are a California resident, please review our California Consumer Privacy Notice available at www.citadelservicing.com/CCPA.


We have implemented measures designed to secure your personal information from accidental loss and from unauthorized access, use, alteration, and disclosure. All information you provide to us is stored on our secure servers behind firewalls.

The safety and security of your information also depends on you. We urge you to be careful about giving out information in public areas of the Website. The information you share in public areas may be viewed by any user of the Website.

Unfortunately, the transmission of information via the internet is not completely secure. Although we do our best to protect your personal information, we cannot guarantee the security of your personal information transmitted to our Website. Any transmission of personal information is at your own risk. We are not responsible for circumvention of any privacy settings or security measures contained on the Website.


This Website and the nature of our services are not intended for children under 13 years of age. No one under age 13 may provide any personal information to or on the Website. If you are under 13, do not attempt to register on the Website or send any personal information about yourself to us, including your name, address, telephone number or email address.


Links to websites that are owned and controlled by third-parties may be provided on our website from time to time. This includes links contained in advertisements, including banner advertisements and sponsored links. These links navigate off the website are provided for your convenience only and are beyond our control. Third-party websites you may be linked to have their own separate terms of use, and although we seek to protect the integrity of our website, we are not responsible and cannot be held liable for the content and activities of external web destinations. Such links do not imply our endorsement or guarantee of the products, services, information, or recommendations provided by any third-party website.

The third-party websites may have a privacy policy different from ours and may provide less security. The third-party websites may send their own cookies to users, collect data, or solicit personal information, and therefore, you are advised to check the terms of use and / or privacy policies on those websites prior to using them. If you follow links to these websites or services, any information you contribute will be governed by the terms of use or privacy policies for those third-party websites, and may be visible to others. You should never share or post personal, financial or sensitive information or any information you expect to be treated confidentially through those websites. CSC expressly disclaims any and all liability, including but not limited to any loss or damage, with regard to your access to or use of such linked websites. Your visit, access or use of third-party websites is entirely at your own discretion and risk.


The owner of the Website is based in the State of California in the United States. We provide this Website for use only by persons located in the United States. We make no claims that the Website or any of its content is accessible or appropriate outside of the United States. Access to the Website may not be legal by certain persons or in certain countries. If you access the Website from outside the United States, you do so on your own initiative and are responsible for compliance with local laws.

If you reside outside the United States, any information you provide to us on this Website will be transferred out of your country and into the United States. If you do not want your personal information to leave your country, please do not provide such information to CSC and do not use our Website. By providing personal information to CSC, you explicitly consent to the transfer of your information to the United States and/or other countries.


We reserve the right to amend this Privacy Policy at our discretion and at any time. When we make changes to this Privacy Policy, we will notify you through a notice on our website or other direct communications like email or mail. We encourage you to periodically review our Privacy Policy to stay informed about our data protection practices and the ways you can help protect your privacy.


If you have any questions or comments about our privacy practices, including any disclosures for direct marketing purposes, please contact us at marketing@citadelservicing.com, or

Phone: (949) 900-6630 or (888) 800-7661

Postal Address:
Citadel Servicing Corporation
25531 Commercentre Drive, Suite 160
Lake Forest, CA 92630

Non-QM Mortgages
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    You have clicked on a link which leaves Citadel Servicing website, and you will be redirected to the Acra Lending website which is the origination channel of
    Citadel Servicing Corporation.


    You have clicked on a link which leaves Citadel Servicing website, and you will be redirected to the Acra Lending website which is the origination channel of
    Citadel Servicing Corporation.