Cityworth Mortgage Rates, Fees & Info

FAIRFAX, VA

LEI: 549300FCPKXI75DX5M03

Tax ID: 45-5349650

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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    • Review & Overview

    Cityworth Mortgage is a smaller mortgage company specializing in Refi and Home Purchase loans. Cityworth Mortgage has a high proportion of conventional loans. They have an average proportion of FHA loans. Their top markets by origination volume include: Washington, Atlanta, Baltimore, Charlotte, and Miami among others. We have data for 171 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Cityworth Mortgage has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Cityworth Mortgage is typically a high fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    30 Year Conventional Purchase 6.80% 4/21/24
    30 Year Conventional Refi 6.41% 4/21/24
    30 Year Cash-out Refi 6.79% 4/21/24
    30 Year FHA Purchase 7.35% 4/21/24
    30 Year FHA Refi 6.78% 4/21/24
    30 Year VA Purchase 6.32% 4/21/24
    30 Year VA Refi 6.55% 4/21/24
    15 Year Conventional Purchase 6.05% 4/21/24
    15 Year Conventional Refi 5.99% 4/21/24
    15 Year Cash-out Refi 5.99% 4/21/24
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

    Cityworth Mortgage Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from Cityworth Mortgage. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    907

    Origination Dollar Volume (All Markets)

    $231,645,000
    Show all (8) awards

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 143 $53,815,000 $376,329 $4,981 2.69%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 60 $16,850,000 $280,833 $3,623 2.93%
    Outside of Metro Areas 37 $7,525,000 $203,378 $4,301 3.00%
    BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 20 $6,280,000 $314,000 $4,288 2.47%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 26 $6,050,000 $232,692 $5,523 2.98%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 17 $5,765,000 $339,118 $7,165 2.93%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 21 $5,395,000 $256,905 $6,203 2.89%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 20 $4,420,000 $221,000 $7,043 3.00%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 19 $4,355,000 $229,211 $5,831 2.83%
    RICHMOND, VA (FHA|USDA|VA) 14 $3,940,000 $281,429 $3,509 2.41%
    JACKSONVILLE, FL (FHA|USDA|VA) 15 $3,675,000 $245,000 $5,914 3.00%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 13 $3,495,000 $268,846 $7,684 3.11%
    RALEIGH-CARY, NC (FHA|USDA|VA) 13 $3,395,000 $261,154 $3,919 2.96%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 14 $3,350,000 $239,286 $4,554 2.56%
    NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 10 $3,110,000 $311,000 $3,867 2.53%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 10 $3,040,000 $304,000 $6,008 2.85%
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 14 $2,930,000 $209,286 $3,833 2.87%
    AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 11 $2,895,000 $263,182 $5,257 2.89%
    WINCHESTER, VA-WV (FHA|USDA|VA) 9 $2,805,000 $311,667 $5,344 3.25%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 10 $2,700,000 $270,000 $8,160 2.90%
    FAYETTEVILLE, NC (FHA|USDA|VA) 13 $2,475,000 $190,385 $2,919 3.15%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 12 $2,450,000 $204,167 $6,969 3.45%
    CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 9 $2,445,000 $271,667 $8,325 2.64%
    GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 12 $2,330,000 $194,167 $5,895 3.10%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 9 $2,285,000 $253,889 $6,152 2.65%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 10 $2,210,000 $221,000 $7,043 3.35%
    SAVANNAH, GA (FHA|USDA|VA) 7 $2,085,000 $297,857 $6,896 2.79%
    COLUMBUS, OH (FHA|USDA|VA) 11 $1,825,000 $165,909 $5,288 3.69%
    MEMPHIS, TN-MS-AR (FHA|USDA|VA) 7 $1,775,000 $253,571 $6,953 2.98%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 6 $1,700,000 $283,333 $13,485 3.25%
    BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 7 $1,695,000 $242,143 $7,092 3.29%
    CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 9 $1,515,000 $168,333 $7,017 2.88%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 5 $1,465,000 $293,000 $9,568 3.48%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 9 $1,415,000 $157,222 $4,520 2.88%
    COLUMBIA, SC (FHA|USDA|VA) 8 $1,410,000 $176,250 $6,686 3.13%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 6 $1,310,000 $218,333 $2,931 2.42%
    PITTSBURGH, PA (FHA|USDA|VA) 5 $1,305,000 $261,000 $5,523 2.43%
    SPARTANBURG, SC (FHA|USDA|VA) 4 $1,300,000 $325,000 $2,500 2.78%
    LUBBOCK, TX (FHA|USDA|VA) 6 $1,290,000 $215,000 $7,360 4.44%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 6 $1,230,000 $205,000 $7,149 3.98%
    HUNTSVILLE, AL (FHA|USDA|VA) 5 $1,195,000 $239,000 $1,016,103 2.90%
    LEBANON, PA (FHA|USDA|VA) 5 $1,175,000 $235,000 $5,255 2.58%
    FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 4 $1,120,000 $280,000 $8,685 2.66%
    PORT ST. LUCIE, FL (FHA|USDA|VA) 5 $1,105,000 $221,000 $6,230 2.70%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 6 $1,090,000 $181,667 $5,195 2.44%
    HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 4 $1,080,000 $270,000 $4,259 2.19%
    DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 5 $1,075,000 $215,000 $3,855 3.08%
    GREENVILLE, NC (FHA|USDA|VA) 5 $1,035,000 $207,000 $2,496 2.93%
    BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) 3 $975,000 $325,000 $3,468 3.08%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 3 $905,000 $301,667 $9,464 3.29%
    CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) 3 $895,000 $298,333 $4,385 2.38%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 3 $875,000 $291,667 $3,722 3.38%
    CHATTANOOGA, TN-GA (FHA|USDA|VA) 5 $855,000 $171,000 $4,438 2.75%
    YORK-HANOVER, PA (FHA|USDA|VA) 4 $830,000 $207,500 $2,588 3.25%
    ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 4 $790,000 $197,500 $6,349 2.59%
    CINCINNATI, OH-KY-IN (FHA|USDA|VA) 5 $765,000 $153,000 $4,200 2.90%
    MOBILE, AL (FHA|USDA|VA) 5 $725,000 $145,000 $5,135 3.75%
    HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 3 $715,000 $238,333 $9,793 3.96%
    CORPUS CHRISTI, TX (FHA|USDA|VA) 2 $710,000 $355,000 $3,576 3.00%
    OCALA, FL (FHA|USDA|VA) 5 $705,000 $141,000 $5,275 2.73%
    VALDOSTA, GA (FHA|USDA|VA) 3 $705,000 $235,000 $2,405 3.71%
    WILMINGTON, NC (FHA|USDA|VA) 3 $685,000 $228,333 $1,823 3.13%
    WINSTON-SALEM, NC (FHA|USDA|VA) 3 $675,000 $225,000 $6,906 3.42%
    FLORENCE, SC (FHA|USDA|VA) 3 $625,000 $208,333 $2,960 3.13%
    GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 4 $620,000 $155,000 $3,825 3.00%
    Athens, TX (FHA|USDA|VA) 2 $600,000 $300,000 $11,956 2.63%
    HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 2 $570,000 $285,000 $10,562 2.63%
    CLARKSVILLE, TN-KY (FHA|USDA|VA) 3 $555,000 $185,000 $5,806 2.92%
    ROANOKE, VA (FHA|USDA|VA) 3 $555,000 $185,000 $2,580 3.04%
    CHARLOTTESVILLE, VA (FHA|USDA|VA) 2 $540,000 $270,000 $3,326 2.44%
    Jefferson, GA (FHA|USDA|VA) 1 $535,000 $535,000 $7,245 2.25%
    LANCASTER, PA (FHA|USDA|VA) 2 $510,000 $255,000 $4,698 2.44%
    MONTGOMERY, AL (FHA|USDA|VA) 2 $500,000 $250,000 $11,210 3.88%
    COLUMBUS, GA-AL (FHA|USDA|VA) 2 $480,000 $240,000 $5,088 2.63%
    GADSDEN, AL (FHA|USDA|VA) 2 $470,000 $235,000 $6,834 2.25%
    Pottsville, PA (FHA|USDA|VA) 3 $465,000 $155,000 $5,564 2.29%
    DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 2 $450,000 $225,000 $7,506 2.88%
    ALBANY, GA (FHA|USDA|VA) 2 $450,000 $225,000 $1,837 2.50%
    Palatka, FL (FHA|USDA|VA) 3 $435,000 $145,000 $3,258 3.38%
    JACKSONVILLE, NC (FHA|USDA|VA) 2 $430,000 $215,000 $5,729 2.88%
    BURLINGTON, NC (FHA|USDA|VA) 2 $430,000 $215,000 $1,808 3.50%
    GAINESVILLE, FL (FHA|USDA|VA) 2 $430,000 $215,000 $2,471 3.44%
    MIDLAND, TX (FHA|USDA|VA) 2 $420,000 $210,000 $9,235 2.81%
    SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 3 $415,000 $138,333 $3,603 3.13%
    LONGVIEW, TX (FHA|USDA|VA) 2 $400,000 $200,000 $7,291 2.88%
    MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 2 $390,000 $195,000 $7,838 3.06%
    LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 2 $390,000 $195,000 $8,556 2.69%
    PANAMA CITY, FL (FHA|USDA|VA) 2 $390,000 $195,000 $5,377 3.50%
    ERIE, PA (FHA|USDA|VA) 2 $390,000 $195,000 $1,972 2.25%
    CANTON-MASSILLON, OH (FHA|USDA|VA) 3 $385,000 $128,333 $6,347 2.92%
    BRUNSWICK, GA (FHA|USDA|VA) 2 $380,000 $190,000 $8,750 3.25%
    Sevierville, TN (FHA|USDA|VA) 2 $380,000 $190,000 $2,153 2.44%
    AKRON, OH (FHA|USDA|VA) 2 $380,000 $190,000 $12,498 4.06%
    Wilson, NC (FHA|USDA|VA) 2 $360,000 $180,000 $615 4.31%
    Lake City, FL (FHA|USDA|VA) 2 $350,000 $175,000 $6,056 3.19%
    Cullman, AL (FHA|USDA|VA) 2 $350,000 $175,000 $5,624 3.88%
    Alexander City, AL (FHA|USDA|VA) 2 $350,000 $175,000 $3,163 3.19%
    CLEVELAND, TN (FHA|USDA|VA) 2 $340,000 $170,000 $5,551 4.19%
    SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 1 $335,000 $335,000 $4,552 2.50%
    Lewisburg, PA (FHA|USDA|VA) 1 $335,000 $335,000 $4,603 2.63%
    GAINESVILLE, GA (FHA|USDA|VA) 1 $305,000 $305,000 $450 4.25%
    HARRISONBURG, VA (FHA|USDA|VA) 1 $305,000 $305,000 $3,524 2.25%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 1 $305,000 $305,000 $13,440 2.75%
    Ashtabula, OH (FHA|USDA|VA) 2 $300,000 $150,000 $6,728 3.50%
    BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) 1 $295,000 $295,000 $4,696 2.25%
    JOHNSON CITY, TN (FHA|USDA|VA) 2 $290,000 $145,000 $7,133 3.38%
    HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 1 $285,000 $285,000 $2,806 2.25%
    THE VILLAGES, FL (FHA|USDA|VA) 1 $285,000 $285,000 $9,171 2.25%
    EAST STROUDSBURG, PA (FHA|USDA|VA) 1 $285,000 $285,000 $8,458 2.50%
    LYNCHBURG, VA (FHA|USDA|VA) 1 $275,000 $275,000 $7,485 3.00%
    Seneca, SC (FHA|USDA|VA) 1 $265,000 $265,000 $425 5.00%
    GOLDSBORO, NC (FHA|USDA|VA) 1 $265,000 $265,000 $1,866 2.25%
    Arkadelphia, AR (FHA|USDA|VA) 2 $260,000 $130,000 $1,286 3.75%
    Sunbury, PA (FHA|USDA|VA) 1 $255,000 $255,000 $9,029 3.25%
    Defiance, OH (FHA|USDA|VA) 2 $250,000 $125,000 $5,797 3.63%
    DOTHAN, AL (FHA|USDA|VA) 1 $245,000 $245,000 $550 2.25%
    LOUISVILLE, KY (FHA|USDA|VA) 1 $235,000 $235,000 $525 4.13%
    ROCHESTER, MN (FHA|USDA|VA) 1 $235,000 $235,000 $12,733 3.88%
    BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 2 $230,000 $115,000 $5,905 3.88%
    Greeneville, TN (FHA|USDA|VA) 1 $225,000 $225,000 $2,207 2.25%
    Holland, MI (FHA|USDA|VA) 1 $225,000 $225,000 $1,500 2.25%
    DAYTON-KETTERING, OH (FHA|USDA|VA) 2 $220,000 $110,000 $7,947 3.38%
    Angola, IN (FHA|USDA|VA) 1 $215,000 $215,000 $6,020 2.75%
    Toccoa, GA (FHA|USDA|VA) 1 $215,000 $215,000 $8,066 2.63%
    Orangeburg, SC (FHA|USDA|VA) 1 $215,000 $215,000 $425 4.75%
    Albemarle, NC (FHA|USDA|VA) 1 $215,000 $215,000 $525 3.63%
    ODESSA, TX (FHA|USDA|VA) 1 $205,000 $205,000 $2,934 2.13%
    SUMTER, SC (FHA|USDA|VA) 1 $195,000 $195,000 $475 2.88%
    TUSCALOOSA, AL (FHA|USDA|VA) 1 $195,000 $195,000 $450 4.63%
    Worthington, MN (FHA|USDA|VA) 1 $195,000 $195,000 $11,457 2.75%
    FORT SMITH, AR-OK (FHA|USDA|VA) 1 $185,000 $185,000 $2,180 2.25%
    Findlay, OH (FHA|USDA|VA) 1 $185,000 $185,000 $8,069 2.25%
    Sandusky, OH (FHA|USDA|VA) 1 $185,000 $185,000 $7,812 2.75%
    EVANSVILLE, IN-KY (FHA|USDA|VA) 1 $185,000 $185,000 $4,905 3.00%
    Decatur, IN (FHA|USDA|VA) 1 $185,000 $185,000 $9,145 2.88%
    Fort Payne, AL (FHA|USDA|VA) 1 $185,000 $185,000 $1,535 2.25%
    Americus, GA (FHA|USDA|VA) 1 $185,000 $185,000 $2,676 2.25%
    TEXARKANA, TX-AR (FHA|USDA|VA) 1 $185,000 $185,000 $10,654 4.75%
    Chillicothe, OH (FHA|USDA|VA) 1 $185,000 $185,000 $4,137 4.88%
    VICTORIA, TX (FHA|USDA|VA) 1 $175,000 $175,000 $500 3.63%
    Morehead City, NC (FHA|USDA|VA) 1 $175,000 $175,000 $1,671 2.25%
    MACON-BIBB COUNTY, GA (FHA|USDA|VA) 1 $175,000 $175,000 $2,758 2.25%
    FORT WAYNE, IN (FHA|USDA|VA) 1 $175,000 $175,000 $8,664 3.63%
    KNOXVILLE, TN (FHA|USDA|VA) 1 $165,000 $165,000 $2,061 2.25%
    DECATUR, AL (FHA|USDA|VA) 1 $165,000 $165,000 $1,038 2.25%
    Elizabeth City, NC (FHA|USDA|VA) 1 $165,000 $165,000 $525 4.88%
    Gaffney, SC (FHA|USDA|VA) 1 $165,000 $165,000 $9,828 3.88%
    Brownsville, TN (FHA|USDA|VA) 1 $155,000 $155,000 $9,177 2.25%
    Talladega-Sylacauga, AL (FHA|USDA|VA) 1 $155,000 $155,000 $10,081 3.13%
    LANSING-EAST LANSING, MI (FHA|USDA|VA) 1 $145,000 $145,000 $2,169 2.75%
    HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 1 $145,000 $145,000 $1,220 2.63%
    SHERMAN-DENISON, TX (FHA|USDA|VA) 1 $145,000 $145,000 $9,826 4.63%
    ANNISTON-OXFORD, AL (FHA|USDA|VA) 1 $145,000 $145,000 $8,381 4.63%
    Zanesville, OH (FHA|USDA|VA) 1 $145,000 $145,000 $8,255 4.25%
    SPRINGFIELD, OH (FHA|USDA|VA) 1 $125,000 $125,000 $5,769 3.25%
    Ozark, AL (FHA|USDA|VA) 1 $125,000 $125,000 $925 2.75%
    MORRISTOWN, TN (FHA|USDA|VA) 1 $125,000 $125,000 $1,588 2.25%
    FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) 1 $115,000 $115,000 $1,708 2.25%
    Bluefield, WV-VA (FHA|USDA|VA) 1 $115,000 $115,000 $5,341 2.38%
    KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 1 $105,000 $105,000 $5,000 2.38%
    YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 1 $105,000 $105,000 $6,149 3.63%
    Newberry, SC (FHA|USDA|VA) 1 $105,000 $105,000 $6,168 3.50%
    TALLAHASSEE, FL (FHA|USDA|VA) 1 $95,000 $95,000 $5,132 2.63%
    NEW BERN, NC (FHA|USDA|VA) 1 $95,000 $95,000 $5,198 2.25%
    Wooster, OH (FHA|USDA|VA) 1 $95,000 $95,000 $6,538 2.38%
    Marietta, OH (FHA|USDA|VA) 1 $95,000 $95,000 $675 4.63%
    Hope, AR (FHA|USDA|VA) 1 $85,000 $85,000 $4,553 4.13%
    El Campo, TX (FHA|USDA|VA) 1 $85,000 $85,000 $6,505 2.38%
    WACO, TX (FHA|USDA|VA) 1 $85,000 $85,000 $5,409 4.13%
    TERRE HAUTE, IN (FHA|USDA|VA) 1 $85,000 $85,000 $5,200 2.75%
    Vernon, TX (FHA|USDA|VA) 1 $75,000 $75,000 $6,892 5.13%
    Cityworth Mortgage's top markets include Washington, Atlanta, Baltimore, Charlotte, and Miami among others.

    Their top states include:
  • Virginia (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Georgia (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
  • North Carolina (FHA|USDA|VA)

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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 372 $108,400,000 $291,398 $4,528 2.55%
    VA 355 $88,115,000 $248,211 $3,853 3.04%
    FHA 180 $35,130,000 $195,167 $38,118 3.54%

    For 2020, Cityworth Mortgage's most frequently originated type of loan was Conventional, with 372 originations. Their 2nd most popular type was VA, with 355 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 437 $119,595,000 $273,673 $15,334 2.49%
    Home Purchase 371 $86,925,000 $234,299 $7,128 3.57%
    Cash Out Refi 98 $24,860,000 $253,673 $5,541 2.54%
    Home Improvement 1 $265,000 $265,000 $7,085 3.25%

    For 2020, Cityworth Mortgage's most frequently cited loan purpose was Refi, with 437 originations. The 2nd most popular reason was Home Purchase, with 371 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 745 $192,325,000 $258,154 $12,548 3.09%
    15 Year 133 $32,225,000 $242,293 $3,481 2.23%
    20 Year 19 $4,665,000 $245,526 $3,766 2.53%
    Other 8 $2,010,000 $251,250 $4,079 2.42%
    10 Year 2 $420,000 $210,000 $3,490 2.13%

    For 2020, Cityworth Mortgage's most frequently cited loan duration was 30 Year, with 745 originations. The 2nd most popular length was 15 Year, with 133 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 404 $107,650,000 $266,460
    $1k-2k 134 $31,580,000 $235,672
    $5k+ 124 $38,280,000 $308,710
    $2k-3k 99 $21,945,000 $221,667
    $3k-4k 79 $16,375,000 $207,278
    $4k-5k 67 $15,815,000 $236,045

    Cityworth Mortgage's average total fees were $12,548, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 404 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    <2.5% 383 $98,915,000 $258,264
    2.5-3% 254 $73,810,000 $290,591
    3-4% 156 $36,200,000 $232,051
    4-5% 89 $18,095,000 $203,315
    5-6% 25 $4,625,000 $185,000

    During 2020, Cityworth Mortgage's average interest rate for loans was 3.09%, while their most frequently originated rate bucket for loans was <2.5%, with 383 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 463 $130,125,000 $281,048 $16,682 2.90%
    $100k-200k 301 $46,945,000 $155,963 $4,784 3.04%
    $400k-600k 96 $45,340,000 $472,292 $5,400 2.64%
    $100,000 or less 38 $3,270,000 $86,053 $4,381 3.46%
    $600k-1MM 9 $5,965,000 $662,778 $7,807 2.85%

    2020 saw Cityworth Mortgage place emphasis on $200k-400k loans with 463 originations, totaling $130,125,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 182 $37,640,000 $206,813 $5,645 3.27%
    $100k-150k 169 $51,215,000 $303,047 $5,779 2.86%
    $75k-100k 141 $37,795,000 $268,050 $6,614 3.09%
    $50k or less 131 $20,465,000 $156,221 $5,415 3.21%
    $150k-250k 91 $31,825,000 $349,725 $4,807 2.68%
    $250k+ 22 $9,030,000 $410,455 $6,766 2.81%

    Cityworth Mortgage lent most frequently to those with incomes in the $50k-75k range, with 182 originations. The second most popular income band? $100k-150k, with 169 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 148 $41,240,000 $278,649 $5,653 2.81%
    30-36% 146 $36,810,000 $252,123 $5,528 3.18%
    <20% 61 $15,365,000 $251,885 $3,811 2.53%
    42% 46 $10,540,000 $229,130 $6,088 3.58%
    41% 37 $9,025,000 $243,919 $6,845 3.42%
    50-60% 33 $7,835,000 $237,424 $9,586 2.90%
    38% 31 $9,465,000 $305,323 $4,430 2.91%
    36% 31 $6,855,000 $221,129 $3,333 3.30%
    37% 26 $6,710,000 $258,077 $5,983 3.11%
    40% 25 $5,625,000 $225,000 $5,911 3.42%
    39% 24 $5,750,000 $239,583 $6,612 3.32%
    43% 23 $5,975,000 $259,783 $4,790 3.03%
    48% 23 $5,115,000 $222,391 $6,692 2.88%
    49% 22 $7,100,000 $322,727 $6,055 2.86%
    44% 19 $4,605,000 $242,368 $4,782 3.11%
    45% 16 $4,020,000 $251,250 $6,728 3.11%
    47% 13 $3,605,000 $277,308 $9,305 2.80%
    46% 12 $2,330,000 $194,167 $7,312 3.00%

    Cityworth Mortgage lent most frequently to those with DTI ratios of 20-30%, with 148 originations. The next most common DTI ratio? 30-36%, with 146 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 538 $135,560,000 $251,970 $14,869 2.95%
    Black 189 $47,115,000 $249,286 $5,994 3.29%
    Asian 94 $27,900,000 $296,809 $4,267 2.52%
    Not provided 71 $17,205,000 $242,324 $4,531 2.59%
    American Indian 6 $1,510,000 $251,667 $2,621 2.42%
    Native Hawaiian or Islander 6 $1,370,000 $228,333 $4,927 2.60%
    Asian Indian 3 $985,000 $328,333 $2,482 2.25%

    Approval Rates

    Total approvals of all applications
    98.32%

    Cityworth Mortgage has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

    Pick Rate

    Approvals leading to origination
    1.76%

    Cityworth Mortgage has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 907 $231,645,000 $255,397

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Manufactured 27 $3,705,000 $137,222
    Single Family (1-4 Units):Site-Built 880 $227,940,000 $259,023

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 22 $4,090,000 $185,909 $2,849 2.41%
    40-60% 74 $17,790,000 $240,405 $3,828 2.40%
    60-80% 216 $64,180,000 $297,130 $4,867 2.54%
    80-100% 393 $93,045,000 $236,756 $6,455 3.45%
    Over 100% 31 $9,185,000 $296,290 $9,901 3.30%
    Under 20% 3 $425,000 $141,667 $3,436 2.50%

    Complaints

    Bank Name Product Issue 2020 CPFB Complaints % of Total Issues
    CITYWORTH MORTGAGE LLC FHA mortgage Applying for a mortgage or refinancing an existing mortgage 1 33.3%
    CITYWORTH MORTGAGE LLC VA mortgage Closing on a mortgage 1 33.3%
    CITYWORTH MORTGAGE LLC VA mortgage Trouble during payment process 1 33.3%