# CITY LENDING INC.

> **Canonical URL:** https://saferate.com/lenders/city-lending


> **📋 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 LENDING INC. is a independent mortgage company, headquartered in Vienna, VA, serving borrowers across 19 states, with 1,004 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 91% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 29% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300WHVRE44NRBU558
- **Headquarters:** Vienna, VA
- **Geographic Reach:** Multi-Region
- **States Served:** 19
- **State List:** CA, CT, DC, DE, FL, IL, IN, LA, MD, MO, NC, NJ, OR, PA, TN, TX, VA, WA, WV
- **Markets (MSAs):** 12
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Mediocre 😐
- Score: 9/100
- Rating: ●○○○○ (1/5)

### Pull Through: Strong 😀
- Score: 71/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.877%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $5,139
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 1,004
- **Dollar Volume:** $372 million
- **Applications Received:** 1,375
- **Market Share:** 3.00%

## Typical Borrower Profile

- **Average Loan Amount:** $370,129
- **Average Borrower Income:** $106,933
- **Average Property Value:** $418,516

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 57/100 | 487 | +0.797% | $5,309 | Sound ☺️ |
| FHA | 78/100 | 504 | +0.928% | $5,048 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 439 loans, Score: 58/100 (Sound)
- Refinance: 48 loans, Score: 47/100 (Sound)

**FHA:**
- Purchase: 473 loans, Score: 78/100 (Strong)
- Refinance: 31 loans, Score: 73/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 65/100 | 925 | $346M | +0.914% | Strong 😀 |
| Refinance | 53/100 | 79 | $25M | +0.434% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MD | 408 | 0.58% | 80/100 |
| VA | 378 | 0.35% | 80/100 |
| FL | 83 | 0.03% | 55/100 |
| WA | 29 | 0.03% | 50/100 |
| NC | 22 | 0.01% | 43/100 |
| TX | 18 | 0.01% | 38/100 |
| WV | 18 | 0.12% | 48/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Arlington | VA-WV | 301 | 82/100 |
| Washington, DC | DC-MD | 172 | 84/100 |
| Baltimore | MD | 155 | 74/100 |
| Frederick | MD | 55 | 67/100 |
| Orlando | FL | 29 | 52/100 |
| Richmond, VA | VA | 29 | 54/100 |
| Winchester, VA | VA-WV | 28 | 66/100 |
| Hagerstown | MD-WV | 27 | 58/100 |
| Non |  | 25 | 29/100 |
| Jacksonville, FL | FL | 17 | 46/100 |
| Tacoma | WA | 11 | 42/100 |
| Raleigh | NC | 10 | 39/100 |

## Where This Lender Ranks

CITY LENDING INC. appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#19** in Winchester, VA Mortgage Companies
  - [View Full Rankings](https://saferate.com/winchester-va/best-mortgage-lenders/mortgage-companies)

## Frequently Asked Questions

### What loan types does CITY LENDING INC. offer?

CITY LENDING INC. offers the following mortgage loan types: FHA, Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does CITY LENDING INC. offer mortgages?

CITY LENDING INC. offers mortgages in 19 states: CA, CT, DC, DE, FL, IL, IN, LA, MD, MO, NC, NJ, OR, PA, TN, TX, VA, WA, WV.

### How competitive are CITY LENDING INC.'s mortgage rates?

CITY LENDING INC. has a pricing score of 9/100 (Mediocre), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.877% above market average.

### What type of lender is CITY LENDING INC.?

CITY LENDING INC. is a non-depository lender that specializes in mortgage origination, headquartered in Vienna, VA.

### What is CITY LENDING INC.'s loan approval success rate?

CITY LENDING INC. has a pull-through score of 71/100 (Strong). 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-lending

### How to Cite

> "CITY LENDING INC. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/city-lending

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**[View Interactive Profile →](https://saferate.com/lenders/city-lending)**