What loan types does City First Mortgage Services offer?

City First Mortgage Services 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 offer mortgages?

City First Mortgage Services 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's mortgage rates?

City First Mortgage Services 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?

City First Mortgage Services is a Independent Mortgage Company headquartered in BOUNTIFUL, UT.

Unclaimed

City First Mortgage Services

Independent Mortgage Company•Bountiful, UTHQ•Direct•Reviews near you on Google

We analyzed every closed loan from City First Mortgage Services — 1.3k loans across 2k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Mediocre

1/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Strong

4/5

FHA · Conventional · VA · Jumbo · USDA

Place

Sound

3/5

Near-National · 23 mkts

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)

Explore another lender or local market

Report Card

City First Mortgage Services performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Mediocre

+47.9 bps above market avg

Pull Through

Closing strength

Sound

Top 60% of lenders

By Loan Product· Specialization by type

Conventional

Sound

Top 60% of lenders

FHA

Strong

Top 40% of lenders

Strong

Top 40% of lenders

Jumbo

Sound

Top 60% of lenders

USDA

Sound

Top 60% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Strong

Top 40% of lenders

Refinance

Sound

Top 60% of lenders

By Location· Geographic coverage

Geographic Reach

Near-National · 24 markets

Sound

Top 60% of lenders

Loan Product Performance

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%Above	$4,061Fees
FHA Loans	Sound	Strong	Mediocre	Strong	356	28.1%	+0.769%Above	$4,405Fees
VA Loans	Sound	Strong	Acceptable	Strong	190	15.0%	-0.142%Below	$2,730Fees
Jumbo Loans	Acceptable	Sound	—	Acceptable	12	0.9%	+0.275%Above	$3,646Fees
USDA Loans	Acceptable	Sound	—	Acceptable	16	1.3%	+0.283%Above	$4,435Fees

Conventional

Overall

Acceptable

Product

Sound

Pricing

Mediocre

Pull Through

Sound

Volume692

Mix54.7%

Spread

+0.424%Above

Fees

$4,061Fees

FHA Loans

Overall

Sound

Product

Strong

Pricing

Mediocre

Pull Through

Strong

Volume356

Mix28.1%

Spread

+0.769%Above

Fees

$4,405Fees

VA Loans

Overall

Sound

Product

Strong

Pricing

Acceptable

Pull Through

Strong

Volume190

Mix15.0%

Spread

-0.142%Below

Fees

$2,730Fees

Jumbo Loans

Overall

Acceptable

Product

Sound

Pricing—

Pull Through

Acceptable

Volume12

Mix0.9%

Spread

+0.275%Above

Fees

$3,646Fees

USDA Loans

Overall

Acceptable

Product

Sound

Pricing—

Pull Through

Acceptable

Volume16

Mix1.3%

Spread

+0.283%Above

Fees

$4,435Fees

Loan Purpose Performance

Performance by Loan Purpose

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

Purchase

Overall

Sound

Product

Strong

Pricing

Mediocre

Pull Through

Sound

Volume1,161

Mix91.7%

Spread

+0.493%Above

Fees

$4,033Fees

Refinance

Overall

Acceptable

Product

Sound

Pricing

Mediocre

Pull Through

Acceptable

Volume105

Mix8.3%

Spread

+0.349%Above

Fees

$4,312Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

1,266

Applications

1,834

Volume

$470 million

Pricing & Closing

Avg Rate Spread

+0.479%

vs. market APOR

Avg Net Fees

$4,061

Origination − Credits

Pullthrough Rate

69.0%

Applications → Closed

Typical Borrower

Avg Loan Amount

$371,367

Avg Borrower Income

$140,613

Avg Property Value

$453,144

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

Northeast2

NJPA

Midwest8

IAILINMIMNMOOHWI

South13

ALARFLGAKYMDMSNCOKSCTNTXVA

West13

AKAZCACOHIIDMTNMNVORUTWAWY

Top Metro Areas by Place Specialization Score

1© Quintin Soloviev · CC BY 4.0

Sacramento, CAMetro

Volume 119Mix 9.40% of portfolio

69/100

Strong

2© Catherine from Brooklyn, NY · CC BY 2.0

Raleigh, NCMetro

Volume 78Mix 6.16% of portfolio

66/100

Strong

3© DPPed · CC BY-SA 3.0

Phoenix, AZMetro

Volume 112Mix 8.85% of portfolio

64/100

Strong

4© David Daniel Turner · CC BY 4.0

Houston, TXMetro

Volume 95Mix 7.50% of portfolio

63/100

Strong

Virginia Beach, VA-NCMetro

Volume 66Mix 5.21% of portfolio

63/100

Strong

Urban Honolulu, HIMetro

Volume 28Mix 2.21% of portfolio

56/100

Sound

Myrtle Beach, SCMetro

Volume 29Mix 2.29% of portfolio

55/100

Sound

Atlanta, GAMetro

Volume 46Mix 3.63% of portfolio

55/100

Sound

St. Louis, MO, MO-ILMetro

Volume 37Mix 2.92% of portfolio

55/100

Sound

Minneapolis, MN-WIMetro

Volume 45Mix 3.55% of portfolio

55/100

Sound

Showing 10 of 23 metro areas

Top States by Place Specialization Score

TexasState

Volume 248Mix 19.59% of portfolio

67/100

Strong

ArizonaState

Volume 118Mix 9.32% of portfolio

64/100

Strong

North CarolinaState

Volume 134Mix 10.58% of portfolio

62/100

Strong

CaliforniaState

Volume 171Mix 13.51% of portfolio

62/100

Strong

VirginiaState

Volume 72Mix 5.69% of portfolio

59/100

Sound

South CarolinaState

Volume 62Mix 4.90% of portfolio

59/100

Sound

GeorgiaState

Volume 77Mix 6.08% of portfolio

58/100

Sound

MinnesotaState

Volume 51Mix 4.03% of portfolio

55/100

Sound

HawaiiState

Volume 28Mix 2.21% of portfolio

55/100

Sound

MissouriState

Volume 43Mix 3.40% of portfolio

52/100

Sound

Showing 10 of 18 states

How 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.