# CITY FIRST MORTGAGE SERVICES, L.L.C.

> **Canonical URL:** https://saferate.com/lenders/city-first-mortgage-services


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


CITY FIRST MORTGAGE SERVICES, L.L.C. is a independent mortgage company, headquartered in BOUNTIFUL, UT, serving borrowers across 36 states, with 1,266 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 83% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 43% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300YPBBHUEKV1YC68
- **Headquarters:** BOUNTIFUL, UT
- **Geographic Reach:** Near-National
- **States Served:** 36
- **State List:** AK, AL, AR, AZ, CA, CO, FL, GA, HI, IA, ID, IL, IN, KY, MD, MI, MN, MO, MS, MT, NC, NJ, NM, NV, OH, OK, OR, PA, SC, TN, TX, UT, VA, WA, WI, WY
- **Markets (MSAs):** 24
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 99.8%
- **Brokered/Wholesale:** 0.2%

## Safe Rate Ratings

### Pricing: Mediocre 😐
- Score: 17/100
- Rating: ●○○○○ (1/5)

### Pull Through: Sound ☺️
- Score: 57/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.479%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $4,061
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 1,266
- **Dollar Volume:** $470 million
- **Applications Received:** 1,834
- **Market Share:** 4.00%

## Typical Borrower Profile

- **Average Loan Amount:** $371,367
- **Average Borrower Income:** $140,613
- **Average Property Value:** $453,144

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 56/100 | 692 | +0.424% | $4,061 | Sound ☺️ |
| FHA | 72/100 | 356 | +0.769% | $4,405 | Strong 😀 |
| VA | 73/100 | 190 | -0.142% | $2,730 | Strong 😀 |
| Jumbo | 42/100 | 12 | +0.275% | $3,646 | Sound ☺️ |
| USDA | 50/100 | 16 | +0.283% | $4,435 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 619 loans, Score: 57/100 (Sound)
- Refinance: 73 loans, Score: 51/100 (Sound)

**FHA:**
- Purchase: 336 loans, Score: 72/100 (Strong)
- Refinance: 20 loans, Score: 45/100 (Sound)

**VA:**
- Purchase: 181 loans, Score: 73/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 61/100 | 1,161 | $431M | +0.493% | Strong 😀 |
| Refinance | 52/100 | 105 | $39M | +0.349% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TX | 248 | 0.07% | 67/100 |
| CA | 171 | 0.06% | 62/100 |
| NC | 134 | 0.09% | 62/100 |
| AZ | 118 | 0.12% | 64/100 |
| GA | 77 | 0.06% | 58/100 |
| VA | 72 | 0.07% | 59/100 |
| FL | 62 | 0.02% | 51/100 |
| SC | 62 | 0.08% | 59/100 |
| MN | 51 | 0.08% | 55/100 |
| MO | 43 | 0.06% | 52/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Sacramento | CA | 119 | 69/100 |
| Phoenix | AZ | 112 | 64/100 |
| Non |  | 102 | 50/100 |
| Houston | TX | 95 | 63/100 |
| Raleigh | NC | 78 | 66/100 |
| Virginia Beach | VA-NC | 66 | 63/100 |
| Atlanta | GA | 46 | 55/100 |
| Minneapolis | MN-WI | 45 | 55/100 |
| Dallas | TX | 39 | 53/100 |
| St. Louis, MO | MO-IL | 37 | 55/100 |
| Austin | TX | 34 | 54/100 |
| Myrtle Beach | SC | 29 | 55/100 |
| Urban Honolulu, HI | HI | 28 | 56/100 |
| Charleston | SC | 19 | 49/100 |
| McAllen | TX | 18 | 50/100 |

## Frequently Asked Questions

### What loan types does CITY FIRST MORTGAGE SERVICES, L.L.C. offer?

CITY FIRST MORTGAGE SERVICES, L.L.C. offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does CITY FIRST MORTGAGE SERVICES, L.L.C. offer mortgages?

CITY FIRST MORTGAGE SERVICES, L.L.C. offers mortgages in 36 states: AK, AL, AR, AZ, CA, CO, FL, GA, HI, IA, ID, IL, IN, KY, MD, MI, MN, MO, MS, MT, NC, NJ, NM, NV, OH, OK, OR, PA, SC, TN, TX, UT, VA, WA, WI, WY.

### How competitive are CITY FIRST MORTGAGE SERVICES, L.L.C.'s mortgage rates?

CITY FIRST MORTGAGE SERVICES, L.L.C. has a pricing score of 17/100 (Mediocre), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.479% above market average.

### What type of lender is CITY FIRST MORTGAGE SERVICES, L.L.C.?

CITY FIRST MORTGAGE SERVICES, L.L.C. is a non-depository lender that specializes in mortgage origination, headquartered in BOUNTIFUL, UT.

### What is CITY FIRST MORTGAGE SERVICES, L.L.C.'s loan approval success rate?

CITY FIRST MORTGAGE SERVICES, L.L.C. has a pull-through score of 57/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/city-first-mortgage-services

### How to Cite

> "CITY FIRST MORTGAGE SERVICES, L.L.C. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/city-first-mortgage-services

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