# CITYWIDE HOME LOANS, LLC

> **Canonical URL:** https://saferate.com/lenders/citywide-home-loans


> **📋 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


CITYWIDE HOME LOANS, LLC is a independent mortgage company, headquartered in SALT LAKE CITY, UT, serving borrowers across 13 states, with 307 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 76% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 73% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300Q1WJSOIS2FON98
- **Headquarters:** SALT LAKE CITY, UT
- **Geographic Reach:** Multi-Region
- **States Served:** 13
- **State List:** AL, AZ, CA, CO, FL, ID, IL, LA, NV, OR, TX, UT, WA
- **Markets (MSAs):** 9
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 24/100
- Rating: ●●○○○ (2/5)

### Pull Through: Acceptable 🙂
- Score: 27/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** +0.271%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $4,090
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 307
- **Dollar Volume:** $137 million
- **Applications Received:** 528
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $445,586
- **Average Borrower Income:** $152,381
- **Average Property Value:** $580,570

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 43/100 | 199 | +0.276% | $3,869 | Sound ☺️ |
| FHA | 62/100 | 80 | +0.434% | $5,253 | Strong 😀 |
| VA | 42/100 | 21 | -0.341% | $3,897 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 177 loans, Score: 44/100 (Sound)
- Refinance: 22 loans, Score: 28/100 (Acceptable)

**FHA:**
- Purchase: 71 loans, Score: 61/100 (Strong)

**VA:**
- Purchase: 21 loans, Score: 41/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 49/100 | 275 | $124M | +0.287% | Sound ☺️ |
| Refinance | 33/100 | 32 | $12M | +0.152% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| UT | 95 | 0.21% | 68/100 |
| CO | 63 | 0.08% | 61/100 |
| CA | 59 | 0.02% | 55/100 |
| AZ | 48 | 0.05% | 58/100 |
| NV | 17 | 0.04% | 48/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Salt Lake City | UT | 59 | 67/100 |
| Denver | CO | 43 | 59/100 |
| Phoenix | AZ | 35 | 55/100 |
| Riverside | CA | 29 | 54/100 |
| Las Vegas | NV | 17 | 49/100 |
| Non |  | 17 | 28/100 |
| Fresno, CA | CA | 12 | 46/100 |
| Provo | UT | 12 | 46/100 |
| Ogden, UT | UT | 11 | 45/100 |

## Frequently Asked Questions

### What loan types does CITYWIDE HOME LOANS, LLC offer?

CITYWIDE HOME LOANS, LLC offers the following mortgage loan types: FHA, Conventional, VA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does CITYWIDE HOME LOANS, LLC offer mortgages?

CITYWIDE HOME LOANS, LLC offers mortgages in 13 states: AL, AZ, CA, CO, FL, ID, IL, LA, NV, OR, TX, UT, WA.

### How competitive are CITYWIDE HOME LOANS, LLC's mortgage rates?

CITYWIDE HOME LOANS, LLC has a pricing score of 24/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.271% above market average.

### What type of lender is CITYWIDE HOME LOANS, LLC?

CITYWIDE HOME LOANS, LLC is a non-depository lender that specializes in mortgage origination, headquartered in SALT LAKE CITY, UT.

### What is CITYWIDE HOME LOANS, LLC's loan approval success rate?

CITYWIDE HOME LOANS, LLC has a pull-through score of 27/100 (Acceptable). 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/citywide-home-loans

### How to Cite

> "CITYWIDE HOME LOANS, LLC Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/citywide-home-loans

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