Applying online is as easy as 1-2-3. You can apply now in as little as 20 minutes.

  1. Apply Now and complete the application.
  2. When you have completed the application, click submit and your information will be reviewed for instant online approval.
  3. A Citadel Mortgage and Home Equity Specialist will follow up to answer your questions.

Our goal is provide the highest level of service at competitive rates. Our Mortgage and Home Equity Specialists are only a phone call away if you need help. Contact us at 800-666-0191 .

Rate Watch

Keep an eye on first mortgage rates via email. Sign up for Rate Watch.

Mortgage Calculators

How much would my monthly payment be?

How much can I save with a 15 year mortgage?

Can I save money by refinancing now?

How quickly can I pay off my mortgage by making additional payments?

Please note: Since Citadel is a community credit union, you can apply for a mortgage or home equity loan with us if you live, work, worship, or study in the following Pennsylvania counties: Bucks, Chester, Delaware, Lancaster*, Montgomery, or Philadelphia. You can also become a Citadel customer if a member of your family or household is eligible to be a customer, no matter where you live.

* People who do any of the following in the City of Lancaster: work, worship, perform volunteer services, and participate in programs to alleviate poverty or participate in associations headquartered in the city.