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CITYWIDE HOME LOANS, LLC
Independent Mortgage Company|SALT LAKE CITY, UT|Multi-Region
Loans Originated
307
Applications
528
Volume
$136 million
Offers loans directly to consumers
Overall Pricing
Acceptable
Overall Pull Through
Acceptable
Pricing and Pullthrough Overview
Average Rate Spread
+0.271%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$4,090
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
58.1%
Percentage of applications that result in closed loans
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
Report Card
CITYWIDE HOME LOANS, LLC performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Acceptable | Near industry average | |
Pull Through Closing Strength | Acceptable | Near industry average | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Sound | Industry Standard | |
FHA | Strong | Highly Competitive | |
VA | Sound | Industry Standard | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Sound | Industry Standard | |
Refinance | Acceptable | Near industry average | |
Places Geographic coverage | Sound | Multi-Regional · 9 metro areas · 13 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$445,586
Average Borrower Income
$152,381
Average Property Value
$580,570
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Acceptable | Sound | Acceptable | Acceptable | 199 | 64.8% | +0.276% | $3,869 |
FHA Loans | Sound | Strong | Acceptable | Sound | 80 | 26.1% | +0.434% | $5,253 |
VA Loans | Acceptable | Sound | N/A | Acceptable | 21 | 6.8% | -0.341% | $3,897 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Acceptable | Sound | Acceptable | Acceptable | 275 | 89.6% | +0.287% | $4,038 |
Refinance | Acceptable | Acceptable | Acceptable | Mediocre | 32 | 10.4% | +0.152% | $4,466 |
Geographic Coverage
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%
Place Specialization
Strong
2
Denver, COMSA
Volume: 43Mix: 14.01%
Place Specialization
Sound
3
Phoenix, AZMSA
Volume: 35Mix: 11.40%
Place Specialization
Sound
4
Riverside, CAMSA
Volume: 29Mix: 9.45%
Place Specialization
Sound
5
Las Vegas, NVMSA
Volume: 17Mix: 5.54%
Place Specialization
Sound
6
Fresno, CA, CAMSA
Volume: 12Mix: 3.91%
Place Specialization
Sound
7
Provo, UTMSA
Volume: 12Mix: 3.91%
Place Specialization
Sound
8
Ogden, UT, UTMSA
Volume: 11Mix: 3.58%
Place Specialization
Sound
Top States by Place Specialization Score
1
UTState
Volume: 95Mix: 30.94%
Place Specialization
Strong
2
COState
Volume: 63Mix: 20.52%
Place Specialization
Strong
3
AZState
Volume: 48Mix: 15.64%
Place Specialization
Sound
4
CAState
Volume: 59Mix: 19.22%
Place Specialization
Sound
5
NVState
Volume: 17Mix: 5.54%
Place Specialization
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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