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Citywide Home Loans, LLC

Independent Mortgage CompanySALT LAKE CITY, UTDirect to Consumer

Citywide Home Loans has 307 closed loans in our dataset — fully analyzed and benchmarked against peers across the 4 Ps of Mortgage Shopping.

Pricing
Acceptable
vs. all lenders
Pull Through
Acceptable
closing strength
Products
Strong
FHA · Conventional · VA
Place
Sound
Multi-Region · 8 mkts

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Safe Rate's Summary

Things to Think About

  • Pricing may be below industry average
  • Higher than average fees ($4,090)
  • Pull through efficiency is below industry average

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Report Card

Citywide Home Loans, LLC performance at a glance

CategoryScorevs. Peers
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
Near industry average
+27.1 bps above market avg
Pull Through
Closing strength
Acceptable
Near industry average
Bottom 40% 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
Sound
Industry Standard
Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Industry Standard
Top 60% of lenders
Refinance
Acceptable
Near industry average
Bottom 40% of lenders
By Location· Geographic coverage
Geographic Reach
Coverage footprint
Sound
Industry Standard
Top 60% of lenders
Multi-Regional9 markets

Loan Product Performance

Performance by Loan Product

Loan TypeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Conventional
Acceptable
Sound
Acceptable
Acceptable
19964.8%
+0.276%Above
$3,869Fees
FHA Loans
Sound
Strong
Acceptable
Sound
8026.1%
+0.434%Above
$5,253Fees
VA Loans
Acceptable
Sound
Acceptable
216.8%
-0.341%Below
$3,897Fees

Loan Purpose Performance

Performance by Loan Purpose

PurposeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Purchase
Acceptable
Sound
Acceptable
Acceptable
27589.6%
+0.287%Above
$4,038Fees
Refinance
Acceptable
Acceptable
Acceptable
Mediocre
3210.4%
+0.152%Above
$4,466Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
307
Applications
528
Volume
$136 million
Pricing & Closing
Avg Rate Spread
+0.271%
vs. market APOR
Avg Net Fees
$4,090
Origination − Credits
Pullthrough Rate
58.1%
Applications → Closed
Typical Borrower
Avg Loan Amount
$445,586
Avg Borrower Income
$152,381
Avg Property Value
$580,570

Geographic Coverage

Geographic Performance

Metro Areas
8
States Served
13
We count Washington DC as a state
Avg Place Specialization
Sound

States with Loan Originations

ALAZCACOFLIDILLANVORTXUTWA

Top Metro Areas by Place Specialization Score

1
Salt Lake City, UTMSA
Volume: 59Mix: 19.22%of portfolio
Place
Strong
2
Denver, COMSA
Volume: 43Mix: 14.01%of portfolio
Place
Sound
3
Phoenix, AZMSA
Volume: 35Mix: 11.40%of portfolio
Place
Sound
4
Riverside, CAMSA
Volume: 29Mix: 9.45%of portfolio
Place
Sound
5
Las Vegas, NVMSA
Volume: 17Mix: 5.54%of portfolio
Place
Sound
6
Fresno, CA, CAMSA
Volume: 12Mix: 3.91%of portfolio
Place
Sound
7
Provo, UTMSA
Volume: 12Mix: 3.91%of portfolio
Place
Sound
8
Ogden, UT, UTMSA
Volume: 11Mix: 3.58%of portfolio
Place
Sound

Top States by Place Specialization Score

1
UTState
Volume: 95Mix: 30.94%of portfolio
Place
Strong
2
COState
Volume: 63Mix: 20.52%of portfolio
Place
Strong
3
AZState
Volume: 48Mix: 15.64%of portfolio
Place
Sound
4
CAState
Volume: 59Mix: 19.22%of portfolio
Place
Sound
5
NVState
Volume: 17Mix: 5.54%of portfolio
Place
Sound

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)

10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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.