Citadel FCU — Branch Pricing Worksheet

Loan Inputs

Loan amount

Product family

Term / type

Rate offered

Lock period

Borrower-paid points

Property / Loan Add-ons

Condo (+12.5 bps cost) Non-Citadel sub financing (+25 bps) Escrow waiver (+25 bps) ARM w/ MI (+0.125% rate) Investment property (+1.5% rate) 90-day extended lock (+50 bps fee)

Extension days (max 30): → 25 bps per 15 days

Below-par buy-down

Rate reduction

Conforming limit: (1-unit, edit constant in source). Below par max rate cut is 0.25%. Loans > $2M get +0.25% to rate before add-ons.

Pricing

VP Locked Price

—

Rebate

—

Final note rate

—

Citadel underwriting fee

$1,195

Full rate ladder

Rate	15 day	30 day	45 day	60 day

Prices reflect current add-on toggles. — means Citadel doesn't publish that rate/lock combo.

Daily Rate Update — paste from Citadel xlsx admin only

In the Citadel First Mortgage sheet, select the block from 30 yr fixed down through the last row of 7/6 ARM (all 6 product ladders, including the rate & price-adj columns). Copy. Paste below. Hit Apply. Jumbo rates are auto-derived (+0.125%). One paste = every LO on the team sees the new ladder on next page load (synced via Cloudflare KV). Reset clears it for everyone.

Effective date