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 Home Purchase and Cash Out Refi loans. Cityworth Mortgage has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Washington, Atlanta, Richmond, Virginia Beach, and Baltimore among others. We have data for 82 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.80% | 12/16/24 |
| 30 Year Conventional Refi | 6.41% | 12/16/24 |
| 30 Year Cash-out Refi | 6.79% | 12/16/24 |
| 30 Year FHA Purchase | 7.35% | 12/16/24 |
| 30 Year FHA Refi | 6.78% | 12/16/24 |
| 30 Year VA Purchase | 6.32% | 12/16/24 |
| 30 Year VA Refi | 6.55% | 12/16/24 |
| 15 Year Conventional Purchase | 6.05% | 12/16/24 |
| 15 Year Conventional Refi | 5.99% | 12/16/24 |
| 15 Year Cash-out Refi | 5.99% | 12/16/24 |
| 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. | ||
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
279Origination Dollar Volume (All Markets)
$91,425,000Awards
CityWorth Mortgage - 2022
CityWorth Mortgage is a 2022 , due to their low .
For 2022, 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) | 52 | $23,630,000 | $454,423 | $13,609 | 4.41% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 24 | $8,330,000 | $347,083 | $12,309 | 4.96% |
| Outside of Metro Areas | 20 | $5,640,000 | $282,000 | $9,176 | 4.75% |
| RICHMOND, VA (FHA|USDA|VA) | 16 | $4,490,000 | $280,625 | $9,815 | 4.91% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 13 | $4,215,000 | $324,231 | $12,015 | 5.27% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 6 | $3,120,000 | $520,000 | $23,213 | 4.60% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 9 | $2,515,000 | $279,444 | $11,575 | 4.58% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 6 | $2,320,000 | $386,667 | $10,717 | 4.44% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 4 | $1,930,000 | $482,500 | $24,474 | 3.69% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 7 | $1,765,000 | $252,143 | $9,389 | 4.39% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 5 | $1,765,000 | $353,000 | $10,194 | 4.23% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 4 | $1,520,000 | $380,000 | $11,159 | 4.19% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 4 | $1,510,000 | $377,500 | $15,221 | 4.16% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 5 | $1,405,000 | $281,000 | $8,843 | 4.08% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 4 | $1,390,000 | $347,500 | $13,709 | 4.59% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 3 | $1,185,000 | $395,000 | $8,818 | 3.58% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 3 | $1,035,000 | $345,000 | $16,608 | 3.92% |
| PITTSBURGH, PA (FHA|USDA|VA) | 4 | $900,000 | $225,000 | $11,199 | 5.28% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 4 | $820,000 | $205,000 | $11,072 | 4.41% |
| ROANOKE, VA (FHA|USDA|VA) | 2 | $730,000 | $365,000 | $10,736 | 4.38% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 3 | $685,000 | $228,333 | $9,408 | 3.33% |
| Morehead City, NC (FHA|USDA|VA) | 2 | $680,000 | $340,000 | $2,226 | 4.50% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 3 | $675,000 | $225,000 | $8,215 | 4.67% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 2 | $650,000 | $325,000 | $11,236 | 4.13% |
| ALBANY, GA (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $6,744 | 4.31% |
| SAVANNAH, GA (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $17,358 | 5.38% |
| GREENVILLE, NC (FHA|USDA|VA) | 2 | $620,000 | $310,000 | $6,666 | 3.69% |
| Martin, TN (FHA|USDA|VA) | 1 | $585,000 | $585,000 | $14,658 | 5.13% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $2,886 | 4.19% |
| Lake City, FL (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $12,045 | 5.00% |
| PANAMA CITY, FL (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $8,287 | 3.63% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $15,085 | 4.19% |
| HINESVILLE, GA (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $10,433 | 4.19% |
| BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $6,678 | 3.88% |
| LYNCHBURG, VA (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $10,266 | 4.75% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $11,596 | 4.31% |
| COLUMBIA, SC (FHA|USDA|VA) | 3 | $455,000 | $151,667 | $7,141 | 4.75% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $7,435 | 3.75% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $8,785 | 5.19% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $22,957 | 3.88% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $10,545 | 5.75% |
| GAINESVILLE, GA (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $11,345 | 5.63% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $4,451 | 3.50% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $8,434 | 4.75% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $16,545 | 6.75% |
| OCALA, FL (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $10,155 | 6.13% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $16,598 | 4.63% |
| Toccoa, GA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $14,825 | 6.25% |
| Bainbridge, GA (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $14,272 | 3.63% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $14,263 | 4.25% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $7,399 | 4.25% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $0 | 3.38% |
| MIDLAND, TX (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $14,567 | 4.75% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $0 | 5.25% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $11,144 | 4.25% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $10,311 | 3.75% |
| Kingsville, TX (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 6.50% |
| Georgetown, SC (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $7,714 | 2.50% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,240 | 2.88% |
| Urbana, OH (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $10,989 | 6.75% |
| VALDOSTA, GA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $0 | 5.75% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $4,216 | 2.75% |
| WINCHESTER, VA-WV (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $13,717 | 3.13% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $10,665 | 6.75% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $2,758 | 4.63% |
| Statesboro, GA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $12,196 | 5.25% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $725 | 4.00% |
| St. Marys, GA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $8,724 | 5.00% |
| LUBBOCK, TX (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $8,498 | 5.50% |
| ROCKY MOUNT, NC (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $8,600 | 3.75% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $9,095 | 3.88% |
| BURLINGTON, NC (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,257 | 4.25% |
| TERRE HAUTE, IN (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $9,567 | 4.75% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $6,483 | 4.25% |
| BRUNSWICK, GA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $8,158 | 8.25% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $5,047 | 3.00% |
| KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $8,225 | 5.63% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,626 | 3.75% |
| STAUNTON, VA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $7,879 | 4.25% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $5,885 | 6.00% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $5,726 | 3.38% |
| Lewistown, PA (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $7,067 | 5.88% |
Similar Lenders
We use machine learning to identify the top lenders compared against CityWorth Mortgage based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
For 2022, Cityworth Mortgage's most frequently originated type of loan was Conventional, with 107 originations. Their 2nd most popular type was VA, with 88 originations.
Loan Reason
For 2022, Cityworth Mortgage's most frequently cited loan purpose was Home Purchase, with 175 originations. The 2nd most popular reason was Cash Out Refi, with 85 originations.
Loan Duration/Length
For 2022, Cityworth Mortgage's most frequently cited loan duration was 30 Year, with 263 originations. The 2nd most popular length was 15 Year, with 10 originations.
Origination Fees/Closing Costs
Cityworth Mortgage's average total fees were $11,576, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 125 originations.
Interest Rates
During 2022, Cityworth Mortgage's average interest rate for loans was 4.63%, while their most frequently originated rate bucket for loans was 3-4%, with 84 originations.
Loan Sizing
2022 saw Cityworth Mortgage place emphasis on $200k-400k loans with 154 originations, totaling $44,970,000 in origination value.
Applicant Income
Cityworth Mortgage lent most frequently to those with incomes in the $50k-75k range, with 76 originations. The second most popular income band? $100k-150k, with 70 originations.
Applicant Debt to Income Ratio
Cityworth Mortgage lent most frequently to those with DTI ratios of 50-60%, with 43 originations. The next most common DTI ratio? 20-30%, with 26 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications98.50%
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 origination12.90%
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 |
|---|---|---|---|
| 11322.88 | 1 | $305,000 | $305,000 |
| NA | 278 | $91,120,000 | $327,770 |