We analyzed every closed loan from City Bank — 900 loans across 1k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · Jumbo
Place
Strong
4/5
Multi-Region · 10 mkts
Awards
FHA
Superstar
VA
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo loans
Things to Think About
- Pricing may be below industry average
Explore another lender or local market
Report Card
City Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+37.4 bps above market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
FHA
Strong
Top 40% of lenders
VA
Strong
Top 40% of lenders
Jumbo
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 11 markets
Strong
Top 40% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 565 | 62.8% | +0.418%Above | $2,413Fees | ||||
FHA Loans | 177 | 19.7% | +0.612%Above | $2,219Fees | ||||
VA Loans | 112 | 12.4% | -0.502%Below | $2,762Fees | ||||
Jumbo Loans | 43 | 4.8% | +0.651%Above | $3,377Fees |
Conventional
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughSound
Volume565
Mix62.8%
Spread
+0.418%Above
Fees
$2,413Fees
FHA Loans
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume177
Mix19.7%
Spread
+0.612%Above
Fees
$2,219Fees
VA Loans
OverallStrong
ProductStrong
PricingSound
Pull ThroughExceptional
Volume112
Mix12.4%
Spread
-0.502%Below
Fees
$2,762Fees
Jumbo Loans
OverallSound
ProductStrong
PricingMediocre
Pull ThroughSound
Volume43
Mix4.8%
Spread
+0.651%Above
Fees
$3,377Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 839 | 93.2% | +0.377%Above | $2,440Fees | ||||
Refinance | 61 | 6.8% | +0.337%Above | $2,625Fees |
Purchase
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume839
Mix93.2%
Spread
+0.377%Above
Fees
$2,440Fees
Refinance
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughSound
Volume61
Mix6.8%
Spread
+0.337%Above
Fees
$2,625Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
900
Applications
1,341
Volume
$305 million
Pricing & Closing
Avg Rate Spread
+0.374%
vs. market APOR
Avg Net Fees
$2,453
Origination − Credits
Pullthrough Rate
67.1%
Applications → Closed
Typical Borrower
Avg Loan Amount
$339,478
Avg Borrower Income
$177,572
Avg Property Value
$451,144
Geographic Coverage
Geographic Performance
Metro Areas
10
markets with activity
States Served
17
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
17Midwest4
INKSMOOH
South8
ARFLLAOKSCTXVAWV
West5
AZCONMNVOR
Top Metro Areas by Place Specialization Score
Volume 69Mix 7.67% of portfolio
84/100
Exceptional
Volume 158Mix 17.56% of portfolio
80/100
Exceptional
Volume 119Mix 13.22% of portfolio
77/100
Strong
Volume 80Mix 8.89% of portfolio
74/100
Strong
5© No machine-readable author provided. Billy Hathorn assumed (based on copyright claims). · CC BY-SA 3.0Fort Worth, TXMetro
Volume 123Mix 13.67% of portfolio
73/100
Strong
Volume 105Mix 11.67% of portfolio
66/100
Strong
Volume 31Mix 3.44% of portfolio
64/100
Strong
Volume 24Mix 2.67% of portfolio
57/100
Sound
Volume 23Mix 2.56% of portfolio
50/100
Sound
Volume 21Mix 2.33% of portfolio
45/100
SoundTop States by Place Specialization Score
1
TexasState
Volume 855Mix 95.00% of portfolio
82/100
Exceptional2
New MexicoState
Volume 25Mix 2.78% of portfolio
51/100
SoundHow We Rank Lenders
Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.
Our Point System (Max 30 Points)
10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.