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.

Unclaimed

City First Mortgage Services, L.l.c.

Independent Mortgage Company•BOUNTIFUL, UT•Direct to Consumer

We analyzed every closed loan from City First Mortgage Services — 1.3k loans across 2k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.

Pricing

Mediocre

vs. all lenders

Pull Through

Sound

closing strength

Products

Strong

FHA · Conventional · VA · Jumbo · USDA

Place

Sound

Near-National · 23 mkts

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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)

Explore another lender or local market

Report Card

City First Mortgage Services, L.l.c. performance at a glance

Category	Score	vs. Peers
Overall Performance· Pricing & closing strength
Pricing Rate competitiveness	Mediocre	Below peers +47.9 bps above market avg
Pull Through Closing strength	Sound	Industry Standard Top 60% of lenders
By Loan Product· Specialization by type
Conventional	Sound	Industry Standard Top 60% of lenders
FHA	Strong	Highly Competitive Top 40% of lenders
VA	Strong	Highly Competitive Top 40% of lenders
Jumbo	Sound	Industry Standard Top 60% of lenders
USDA	Sound	Industry Standard Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase	Strong	Highly Competitive Top 40% of lenders
Refinance	Sound	Industry Standard Top 60% of lenders
By Location· Geographic coverage
Geographic Reach Coverage footprint	Sound	Industry Standard Top 60% of lenders Near-National24 markets

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

Loan Purpose Performance

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%Above	$4,033Fees
Refinance	Acceptable	Sound	Mediocre	Acceptable	105	8.3%	+0.349%Above	$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

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%of portfolio

Place

Strong

Raleigh, NCMSA

Volume: 78Mix: 6.16%of portfolio

Place

Strong

Phoenix, AZMSA

Volume: 112Mix: 8.85%of portfolio

Place

Strong

Houston, TXMSA

Volume: 95Mix: 7.50%of portfolio

Place

Strong

Virginia Beach, VA-NCMSA

Volume: 66Mix: 5.21%of portfolio

Place

Strong

Urban Honolulu, HI, HIMSA

Volume: 28Mix: 2.21%of portfolio

Place

Sound

Myrtle Beach, SCMSA

Volume: 29Mix: 2.29%of portfolio

Place

Sound

Atlanta, GAMSA

Volume: 46Mix: 3.63%of portfolio

Place

Sound

St. Louis, MO, MO-ILMSA

Volume: 37Mix: 2.92%of portfolio

Place

Sound

Minneapolis, MN-WIMSA

Volume: 45Mix: 3.55%of portfolio

Place

Sound

Showing 10 of 23 metro areas

Top States by Place Specialization Score

TXState

Volume: 248Mix: 19.59%of portfolio

Place

Strong

AZState

Volume: 118Mix: 9.32%of portfolio

Place

Strong

NCState

Volume: 134Mix: 10.58%of portfolio

Place

Strong

CAState

Volume: 171Mix: 13.51%of portfolio

Place

Strong

VAState

Volume: 72Mix: 5.69%of portfolio

Place

Sound

SCState

Volume: 62Mix: 4.90%of portfolio

Place

Sound

GAState

Volume: 77Mix: 6.08%of portfolio

Place

Sound

MNState

Volume: 51Mix: 4.03%of portfolio

Place

Sound

HIState

Volume: 28Mix: 2.21%of portfolio

Place

Sound

MOState

Volume: 43Mix: 3.40%of portfolio

Place

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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The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

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.