Cityworth Mortgage Rates, Fees & Info
FAIRFAX, VALEI: 549300FCPKXI75DX5M03
Tax ID: 45-5349650
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Mortgage Data
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, Virginia Beach, and Raleigh among others. We have data for 131 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 an average 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.
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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
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
706Origination Dollar Volume (All Markets)
$193,670,000Awards
CityWorth Mortgage - 2021
CityWorth Mortgage is a 2021 , due to their low .
For 2021, less than of lenders were eligible for this award.
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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) | 178 | $68,860,000 | $386,854 | $5,685 | 2.69% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 34 | $7,450,000 | $219,118 | $4,964 | 2.76% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 20 | $7,010,000 | $350,500 | $6,336 | 2.86% |
| Outside of Metro Areas | 28 | $6,460,000 | $230,714 | $4,350 | 2.77% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 16 | $4,430,000 | $276,875 | $5,327 | 2.66% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 16 | $3,900,000 | $243,750 | $4,764 | 2.69% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 15 | $3,675,000 | $245,000 | $5,634 | 2.71% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 12 | $3,270,000 | $272,500 | $6,913 | 2.49% |
| RICHMOND, VA (FHA|USDA|VA) | 14 | $3,260,000 | $232,857 | $4,213 | 3.01% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 10 | $3,140,000 | $314,000 | $3,533 | 2.68% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 12 | $3,110,000 | $259,167 | $6,063 | 2.57% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 8 | $2,970,000 | $371,250 | $7,667 | 2.89% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 13 | $2,855,000 | $219,615 | $4,289 | 2.63% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 12 | $2,830,000 | $235,833 | $5,505 | 2.77% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 10 | $2,680,000 | $268,000 | $5,696 | 2.66% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 10 | $2,580,000 | $258,000 | $6,446 | 2.89% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 10 | $2,480,000 | $248,000 | $5,010 | 2.46% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 12 | $2,440,000 | $203,333 | $4,734 | 2.58% |
| PITTSBURGH, PA (FHA|USDA|VA) | 6 | $2,090,000 | $348,333 | $5,115 | 2.67% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 7 | $2,085,000 | $297,857 | $8,280 | 2.82% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 5 | $1,875,000 | $375,000 | $5,585 | 2.98% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 8 | $1,850,000 | $231,250 | $5,715 | 2.56% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 6 | $1,800,000 | $300,000 | $5,617 | 2.90% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 7 | $1,645,000 | $235,000 | $8,449 | 2.80% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 7 | $1,645,000 | $235,000 | $8,368 | 3.21% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 10 | $1,640,000 | $164,000 | $4,861 | 2.58% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 7 | $1,505,000 | $215,000 | $7,470 | 3.02% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 6 | $1,380,000 | $230,000 | $5,235 | 2.71% |
| MOBILE, AL (FHA|USDA|VA) | 3 | $1,195,000 | $398,333 | $10,642 | 2.38% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 5 | $1,135,000 | $227,000 | $3,427 | 2.25% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 5 | $1,105,000 | $221,000 | $3,314 | 2.45% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 6 | $1,080,000 | $180,000 | $4,631 | 3.04% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 6 | $1,030,000 | $171,667 | $2,392 | 2.29% |
| COLUMBUS, OH (FHA|USDA|VA) | 5 | $1,025,000 | $205,000 | $4,989 | 2.78% |
| ASHEVILLE, NC (FHA|USDA|VA) | 4 | $970,000 | $242,500 | $5,180 | 3.09% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 5 | $965,000 | $193,000 | $4,886 | 2.73% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 3 | $945,000 | $315,000 | $7,602 | 2.71% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 4 | $940,000 | $235,000 | $5,089 | 2.63% |
| SPARTANBURG, SC (FHA|USDA|VA) | 4 | $890,000 | $222,500 | $6,313 | 2.69% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 3 | $875,000 | $291,667 | $8,203 | 2.71% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 4 | $820,000 | $205,000 | $3,201 | 3.03% |
| LYNCHBURG, VA (FHA|USDA|VA) | 3 | $785,000 | $261,667 | $7,035 | 2.75% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 3 | $735,000 | $245,000 | $3,435 | 2.54% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 4 | $730,000 | $182,500 | $4,993 | 2.72% |
| PANAMA CITY, FL (FHA|USDA|VA) | 4 | $730,000 | $182,500 | $5,037 | 2.78% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 4 | $710,000 | $177,500 | $3,633 | 3.13% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 4 | $690,000 | $172,500 | $2,868 | 2.75% |
| STAUNTON, VA (FHA|USDA|VA) | 3 | $685,000 | $228,333 | $2,578 | 2.92% |
| ROCKY MOUNT, NC (FHA|USDA|VA) | 2 | $660,000 | $330,000 | $4,654 | 3.38% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 3 | $645,000 | $215,000 | $6,806 | 2.71% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 4 | $640,000 | $160,000 | $2,678 | 2.59% |
| HINESVILLE, GA (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $9,535 | 2.75% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 2 | $630,000 | $315,000 | $9,693 | 2.31% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 5 | $625,000 | $125,000 | $5,450 | 3.20% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 3 | $615,000 | $205,000 | $5,468 | 2.17% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $8,306 | 2.63% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $7,773 | 3.38% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 3 | $545,000 | $181,667 | $3,364 | 3.00% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 4 | $540,000 | $135,000 | $3,081 | 2.44% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $4,510 | 3.44% |
| CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $2,890 | 2.25% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $3,146 | 3.00% |
| Granbury, TX (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $2,766 | 2.38% |
| GAINESVILLE, FL (FHA|USDA|VA) | 3 | $475,000 | $158,333 | $7,372 | 3.25% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 3 | $455,000 | $151,667 | $2,217 | 2.50% |
| LANCASTER, PA (FHA|USDA|VA) | 3 | $445,000 | $148,333 | $4,051 | 2.08% |
| DALTON, GA (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $3,868 | 2.81% |
| COLUMBIA, SC (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $7,635 | 3.31% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $5,777 | 2.13% |
| FORT WAYNE, IN (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $563 | 2.25% |
| AKRON, OH (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $4,101 | 2.75% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $7,805 | 3.31% |
| Cambridge, OH (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $10,710 | 2.75% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $4,655 | 2.63% |
| Tullahoma-Manchester, TN (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $12,319 | 2.75% |
| OCALA, FL (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $7,075 | 2.94% |
| WINCHESTER, VA-WV (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $2,699 | 3.25% |
| SAVANNAH, GA (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $2,881 | 3.13% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $1,158 | 3.06% |
| KNOXVILLE, TN (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $3,410 | 2.06% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $7,494 | 3.00% |
| THE VILLAGES, FL (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $1,467 | 2.25% |
| Huntingdon, PA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $3,245 | 2.25% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $6,670 | 2.25% |
| MIDLAND, TX (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $6,976 | 2.63% |
| LOUISVILLE, KY (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $2,335 | 2.25% |
| VICTORIA, TX (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $7,809 | 2.75% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $6,378 | 3.50% |
| GREENVILLE, NC (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $1,900 | 2.25% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $1,715 | 2.25% |
| Dublin, GA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $10,432 | 4.13% |
| BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $5,919 | 2.63% |
| Elizabeth City, NC (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $5,170 | 1.75% |
| Talladega-Sylacauga, AL (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $6,896 | 2.50% |
| Enterprise, AL (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $1,925 | 3.25% |
| Orangeburg, SC (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $4,650 | 3.25% |
| LaGrange, GA-AL (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $6,868 | 3.25% |
| KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $4,092 | 3.06% |
| GAINESVILLE, GA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $5,752 | 2.50% |
| Sandusky, OH (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $8,433 | 2.88% |
| ROME, GA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $5,517 | 3.25% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,406 | 2.25% |
| Athens, OH (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $6,789 | 2.75% |
| Pottsville, PA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,354 | 2.25% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,206 | 2.88% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $1,958 | 2.25% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $7,835 | 3.75% |
| MORRISTOWN, TN (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $4,284 | 2.25% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,964 | 2.63% |
| HOT SPRINGS, AR (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $6,246 | 2.88% |
| DECATUR, AL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $5,733 | 3.38% |
| CANTON-MASSILLON, OH (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,830 | 2.75% |
| LONGVIEW, TX (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $6,133 | 2.88% |
| ROANOKE, VA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $5,835 | 3.38% |
| Jacksonville, TX (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,634 | 3.63% |
| Jesup, GA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $5,153 | 3.50% |
| Clewiston, FL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $6,162 | 2.75% |
| Boone, NC (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $725 | 2.50% |
| FLORENCE, SC (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,030 | 2.50% |
| HARRISONBURG, VA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,351 | 2.75% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $12,130 | 2.88% |
| Hope, AR (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $6,585 | 3.50% |
| MONTGOMERY, AL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $5,908 | 2.88% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $6,745 | 2.00% |
| Point Pleasant, WV-OH (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $1,270 | 4.13% |
| GADSDEN, AL (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,706 | 2.00% |
| LUBBOCK, TX (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,343 | 2.75% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $4,445 | 3.50% |
| OSHKOSH-NEENAH, WI (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $8,435 | 3.25% |
| Findlay, OH (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $7,442 | 2.75% |
| WILMINGTON, NC (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $3,493 | 2.88% |
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 445 | $119,435,000 | $268,393 | $4,589 | 2.69% |
| VA | 178 | $55,220,000 | $310,225 | $5,711 | 2.65% |
| FHA | 83 | $19,015,000 | $229,096 | $8,834 | 3.16% |
For 2021, Cityworth Mortgage's most frequently originated type of loan was Conventional, with 445 originations. Their 2nd most popular type was VA, with 178 originations.
Loan Reason
For 2021, Cityworth Mortgage's most frequently cited loan purpose was Refi, with 293 originations. The 2nd most popular reason was Home Purchase, with 259 originations.
Loan Duration/Length
For 2021, Cityworth Mortgage's most frequently cited loan duration was 30 Year, with 524 originations. The 2nd most popular length was 15 Year, with 136 originations.
Origination Fees/Closing Costs
Cityworth Mortgage's average total fees were $5,968, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 265 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| <2.5% | 289 | $78,005,000 | $269,913 |
| 2.5-3% | 252 | $71,680,000 | $284,444 |
| 3-4% | 157 | $42,355,000 | $269,777 |
| 4-5% | 8 | $1,630,000 | $203,750 |
During 2021, Cityworth Mortgage's average interest rate for loans was 2.88%, while their most frequently originated rate bucket for loans was <2.5%, with 289 originations.
Loan Sizing
2021 saw Cityworth Mortgage place emphasis on $200k-400k loans with 330 originations, totaling $93,770,000 in origination value.
Applicant Income
Cityworth Mortgage lent most frequently to those with incomes in the $50k-75k range, with 178 originations. The second most popular income band? $100k-150k, with 151 originations.
Applicant Debt to Income Ratio
Cityworth Mortgage lent most frequently to those with DTI ratios of 20-30%, with 118 originations. The next most common DTI ratio? 30-36%, with 107 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications99.09%
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 origination32.44%
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 | 706 | $193,670,000 | $274,320 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2021 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| CITYWORTH MORTGAGE LLC | FHA mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 100.0% |