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Citywide Home Loans

Independent Mortgage Company•Salt Lake City, UTHQ•Direct•Reviews near you on Google

Citywide Home Loans has 307 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Acceptable
2/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA
Place
Sound
3/5
Multi-Region · 8 mkts

Safe Rate Summary

Things to Think About

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

Explore another lender or local market

Report Card

Citywide Home Loans performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+27.1 bps above market avg
Pull Through
Closing strength
Acceptable
Bottom 40% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
FHA
Strong
Top 40% of lenders
VA
Sound
Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
Refinance
Acceptable
Bottom 40% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 9 markets
Sound
Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Acceptable
Product
Sound
Pricing
Acceptable
Pull Through
Acceptable
Volume199
Mix64.8%
Spread
+0.276%Above
Fees
$3,869Fees
FHA Loans
Overall
Sound
Product
Strong
Pricing
Acceptable
Pull Through
Sound
Volume80
Mix26.1%
Spread
+0.434%Above
Fees
$5,253Fees
VA Loans
Overall
Acceptable
Product
Sound
Pricing—
Pull Through
Acceptable
Volume21
Mix6.8%
Spread
-0.341%Below
Fees
$3,897Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Acceptable
Product
Sound
Pricing
Acceptable
Pull Through
Acceptable
Volume275
Mix89.6%
Spread
+0.287%Above
Fees
$4,038Fees
Refinance
Overall
Acceptable
Product
Acceptable
Pricing
Acceptable
Pull Through
Mediocre
Volume32
Mix10.4%
Spread
+0.152%Above
Fees
$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
markets with activity
States Served
13
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

13
13 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Midwest1
IL
South4
ALFLLATX
West8
AZCACOIDNVORUTWA

Top Metro Areas by Place Specialization Score

1© Garrett from Salt Lake City · CC BY 2.0
Salt Lake City, UTMetro
Volume 59Mix 19.22% of portfolio
67/100
Strong
2© Quintin Soloviev · CC BY 4.0
Denver, COMetro
Volume 43Mix 14.01% of portfolio
59/100
Sound
3© DPPed · CC BY-SA 3.0
Phoenix, AZMetro
Volume 35Mix 11.40% of portfolio
55/100
Sound
4© Johnwayne Stroud · CC BY-SA 3.0
Riverside, CAMetro
Volume 29Mix 9.45% of portfolio
54/100
Sound
5© Roman Eugeniusz · CC BY-SA 3.0
Las Vegas, NVMetro
Volume 17Mix 5.54% of portfolio
49/100
Sound
6© Ken Lund from Reno, Nevada, USA · CC BY-SA 2.0
Fresno, CAMetro
Volume 12Mix 3.91% of portfolio
46/100
Sound
7© Benjam63 · CC BY-SA 4.0
Provo, UTMetro
Volume 12Mix 3.91% of portfolio
46/100
Sound
8© Ntsimp · Public domain
Ogden, UTMetro
Volume 11Mix 3.58% of portfolio
45/100
Sound

Top States by Place Specialization Score

Utah
Utah
1
UtahState
Volume 95Mix 30.94% of portfolio
68/100
Strong
Colorado
Colorado
2
ColoradoState
Volume 63Mix 20.52% of portfolio
61/100
Strong
Arizona
Arizona
3
ArizonaState
Volume 48Mix 15.64% of portfolio
58/100
Sound
California
California
4
CaliforniaState
Volume 59Mix 19.22% of portfolio
55/100
Sound
Nevada
Nevada
5
NevadaState
Volume 17Mix 5.54% of portfolio
48/100
Sound

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.