Citywide Home Loans Mortgage Rates, Fees & Info
Salt Lake City, UTLEI: 549300Q1WJSOIS2FON98
Tax ID: 87-0623581
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Mortgage Data
Review & Overview
Citywide Home Loans is a smaller mortgage company specializing in Home Purchase loans. Citywide Home Loans 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: Salt Lake City, Denver, Phoenix, Riverside, and Las Vegas among others. We have data for 44 markets. (Some data included below & more in-depth data is available with an active subscription.)Citywide Home Loans 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. Citywide Home Loans 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.
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 | 5.94% | 7/7/25 |
| 30 Year Conventional Refi | 6.40% | 7/7/25 |
| 30 Year Cash-out Refi | 6.96% | 7/7/25 |
| 30 Year FHA Purchase | 7.37% | 7/7/25 |
| 30 Year FHA Refi | 7.04% | 7/7/25 |
| 30 Year VA Purchase | 6.31% | 7/7/25 |
| 30 Year USDA Purchase | 6.61% | 7/7/25 |
| 15 Year Conventional Purchase | 6.06% | 7/7/25 |
| 15 Year Conventional Refi | 6.00% | 7/7/25 |
| 15 Year Cash-out Refi | 6.00% | 7/7/25 |
| 15 Year VA Purchase | 5.32% | 7/7/25 |
| 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. | ||
Citywide Home Loans Mortgage Calculator
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This is not an official calculator from Citywide Home Loans. It uses our SimulatedRate™
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
404Origination Dollar Volume (All Markets)
$149,250,000Relative Rate
Citywide Home Loans's average 30 year fixed mortgage rate was
6.21%.
The 2024 average 30 year fixed rate mortgage across all markets and lenders was 6.55%.
This yields a difference of -0.34%.
Relative Fees (Closing Costs)
Citywide Home Loans's average total fees/closing costs for a 30 year fixed rate
mortgage were $10,336.
The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including
both points & up-front fees in addition to origination fees) were $8,356.
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 |
|---|---|---|---|---|---|
| SALT LAKE CITY, UT (FHA|USDA|VA) | 73 | $27,795,000 | $380,753 | $9,113 | 6.82% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 68 | $20,980,000 | $308,529 | $11,985 | 4.73% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 43 | $16,625,000 | $386,628 | $8,301 | 7.09% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 39 | $15,855,000 | $406,538 | $11,873 | 6.51% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 17 | $7,755,000 | $456,176 | $9,266 | 6.74% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 18 | $7,030,000 | $390,556 | $11,032 | 6.60% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 13 | $6,835,000 | $525,769 | $12,200 | 6.82% |
| PROVO-OREM, UT (FHA|USDA|VA) | 14 | $6,650,000 | $475,000 | $9,867 | 6.52% |
| FRESNO, CA (FHA|USDA|VA) | 12 | $4,840,000 | $403,333 | $11,505 | 6.45% |
| GREELEY, CO (FHA|USDA|VA) | 17 | $3,955,000 | $232,647 | $11,162 | 3.97% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 10 | $3,770,000 | $377,000 | $8,398 | 7.10% |
| Outside of Metro Areas | 14 | $3,520,000 | $251,429 | $10,187 | 7.91% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 9 | $3,215,000 | $357,222 | $12,532 | 6.05% |
| Heber, UT (FHA|USDA|VA) | 2 | $2,430,000 | $1,215,000 | $19,427 | 7.00% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 8 | $2,130,000 | $266,250 | $8,227 | 7.40% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 4 | $2,060,000 | $515,000 | $12,575 | 6.59% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 3 | $1,985,000 | $661,667 | $10,392 | 7.16% |
| WENATCHEE, WA (FHA|USDA|VA) | 4 | $1,260,000 | $315,000 | $15,396 | 6.48% |
| LONGVIEW, WA (FHA|USDA|VA) | 3 | $775,000 | $258,333 | $14,995 | 4.33% |
| Payson, AZ (FHA|USDA|VA) | 2 | $660,000 | $330,000 | $14,271 | 7.25% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 1 | $625,000 | $625,000 | $13,438 | 6.63% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 1 | $595,000 | $595,000 | $23,289 | 6.50% |
| BATON ROUGE, LA (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $8,094 | 6.63% |
| LOGAN, UT-ID (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $20,346 | 8.43% |
| ST. GEORGE, UT (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $6,983 | 6.13% |
| THE VILLAGES, FL (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $7,738 | 6.75% |
| FORT COLLINS, CO (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $4,367 | 8.25% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $9,569 | 7.13% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $18,445 | 6.60% |
| Jacksonville, TX (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $5,215 | 6.08% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $0 | 3.56% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $11,221 | 6.63% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $5,393 | 7.88% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $9,860 | 7.25% |
| Cedar City, UT (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $9,410 | 6.99% |
| BOULDER, CO (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $0 | 3.31% |
| PUEBLO, CO (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $6,774 | 6.38% |
| SALEM, OR (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $15,756 | 5.88% |
| SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $7,359 | 6.75% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $8,751 | 7.50% |
| FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $14,241 | 5.75% |
| Moscow, ID (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $4,621 | 5.88% |
| IDAHO FALLS, ID (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 7.38% |
| Stephenville, TX (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 9.50% |
Similar Lenders
We use machine learning to identify the top lenders compared against CITYWIDE HOME LOANS based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
Similarity Rank: 42
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Product Mix
For 2024, Citywide Home Loans's most frequently originated type of loan was Conventional, with 284 originations. Their 2nd most popular type was FHA, with 86 originations.
Loan Reason
For 2024, Citywide Home Loans's most frequently cited loan purpose was Home Purchase, with 350 originations. The 2nd most popular reason was Cash Out Refi, with 32 originations.
Loan Duration/Length
For 2024, Citywide Home Loans's most frequently cited loan duration was 30 Year, with 389 originations. The 2nd most popular length was 15 Year, with 11 originations.
Origination Fees/Closing Costs
Citywide Home Loans's average total fees were $10,336, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 174 originations.
Interest Rates
During 2024, Citywide Home Loans's average interest rate for loans was 6.21%, while their most frequently originated rate bucket for loans was 6-7%, with 232 originations.
Loan Sizing
2024 saw Citywide Home Loans place emphasis on $400k-600k loans with 148 originations, totaling $70,870,000 in origination value.
Applicant Income
Citywide Home Loans lent most frequently to those with incomes in the $100k-150k range, with 141 originations. The second most popular income band? $75k-100k, with 93 originations.
Applicant Debt to Income Ratio
Citywide Home Loans lent most frequently to those with DTI ratios of 50-60%, with 54 originations. The next most common DTI ratio? 30-36%, with 43 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications94.84%
Citywide Home Loans has an average approval rate.
Pick Rate
Approvals leading to origination49.26%
Citywide Home Loans 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 | 404 | $149,250,000 | $369,431 |