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 score and performance metrics.

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 an overall pricing score of 17.3/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

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

CITY FIRST MORTGAGE SERVICES, L.L.C. is a Independent Mortgage Company headquartered in BOUNTIFUL, UT.

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CITY FIRST MORTGAGE SERVICES, L.L.C.

Independent Mortgage Company|BOUNTIFUL, UT|Near-National

Loans Originated

1,266

Applications

1,834

Volume

$470 million

Offers loans directly to consumersSources loans from independent brokers

Overall Pricing

Mediocre

Overall Pull Through

Sound

Pricing and Pullthrough Overview

Average Rate Spread

+0.479%

The average of the lender's APR minus the market's average APR (APOR)

Average Net Fees

$4,061

Borrower paid Origination Charges - Lender Credits

Pullthrough Rate

69.0%

Percentage of applications that result in closed loans

Safe Rate's Summary

What They Do Well

Particularly strong in FHA and VA loans
Nationwide availability with consistent service

Things to Think About

Pricing may be below industry average
Higher than average fees ($4,061)

Report Card

CITY FIRST MORTGAGE SERVICES, L.L.C. performance at a glance

Category	Grade	Details
Pricing Rate competitiveness	Mediocre	Below peers
Pull Through Closing Strength	Sound	Industry Standard
Products Loan Type Specialists		Specialization score by loan product
Conventional	Sound	Industry Standard
FHA	Strong	Highly Competitive
VA	Strong	Highly Competitive
Jumbo	Sound	Industry Standard
USDA	Sound	Industry Standard
Purpose Reason specialization		Specialization score by loan purpose
Purchase	Strong	Highly Competitive
Refinance	Sound	Industry Standard
Places Geographic coverage	Sound	Near-National · 24 metro areas · 36 states

Rating Scale:

Exceptional (80-100)

Strong (60-79)

Sound (40-59)

Acceptable (20-39)

Mediocre (0-19)

Typical Borrower Profile

Average Loan Amount

$371,367

Average Borrower Income

$140,613

Average Property Value

$453,144

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Acceptable	Sound	Mediocre	Sound	692	54.7%	+0.424%	$4,061
FHA Loans	Sound	Strong	Mediocre	Strong	356	28.1%	+0.769%	$4,405
VA Loans	Sound	Strong	Acceptable	Strong	190	15.0%	-0.142%	$2,730
Jumbo Loans	Acceptable	Sound	N/A	Acceptable	12	0.9%	+0.275%	$3,646
USDA Loans	Acceptable	Sound	N/A	Acceptable	16	1.3%	+0.283%	$4,435

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Acceptable	Strong	Mediocre	Sound	1,161	91.7%	+0.493%	$4,033
Refinance	Acceptable	Sound	Mediocre	Acceptable	105	8.3%	+0.349%	$4,312

Geographic Coverage

Metro Areas

States Served

We count Washington DC as a state

Avg Place Specialization

Sound

States with Loan Originations

AKALARAZCACOFLGAHIIAIDILINKYMDMIMNMOMSMTNCNJNMNVOHOKORPASCTNTXUTVAWAWIWY

Top Metro Areas by Place Specialization Score

Sacramento, CAMSA

Volume: 119Mix: 9.40%

Place Specialization

Strong

Raleigh, NCMSA

Volume: 78Mix: 6.16%

Place Specialization

Strong

Phoenix, AZMSA

Volume: 112Mix: 8.85%

Place Specialization

Strong

Houston, TXMSA

Volume: 95Mix: 7.50%

Place Specialization

Strong

Virginia Beach, VA-NCMSA

Volume: 66Mix: 5.21%

Place Specialization

Strong

Urban Honolulu, HI, HIMSA

Volume: 28Mix: 2.21%

Place Specialization

Sound

Myrtle Beach, SCMSA

Volume: 29Mix: 2.29%

Place Specialization

Sound

Atlanta, GAMSA

Volume: 46Mix: 3.63%

Place Specialization

Sound

St. Louis, MO, MO-ILMSA

Volume: 37Mix: 2.92%

Place Specialization

Sound

Minneapolis, MN-WIMSA

Volume: 45Mix: 3.55%

Place Specialization

Sound

Showing 10 of 23 metro areas

Top States by Place Specialization Score

TXState

Volume: 248Mix: 19.59%

Place Specialization

Strong

AZState

Volume: 118Mix: 9.32%

Place Specialization

Strong

NCState

Volume: 134Mix: 10.58%

Place Specialization

Strong

CAState

Volume: 171Mix: 13.51%

Place Specialization

Strong

VAState

Volume: 72Mix: 5.69%

Place Specialization

Sound

SCState

Volume: 62Mix: 4.90%

Place Specialization

Sound

GAState

Volume: 77Mix: 6.08%

Place Specialization

Sound

MNState

Volume: 51Mix: 4.03%

Place Specialization

Sound

HIState

Volume: 28Mix: 2.21%

Place Specialization

Sound

MOState

Volume: 43Mix: 3.40%

Place Specialization

Sound

Showing 10 of 18 states

How We Rank Lenders

Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.

Our Point System (Max 30 Points)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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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