Citywide Home Loans Mortgage Rates, Fees & Info

Salt Lake City, UT

LEI: 549300Q1WJSOIS2FON98

Tax ID: 87-0623581

3.5 stars - out of 5 stars, based on 79 reviews

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

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Mortgage Data

  • SimulatedRates™
  • Originations
  • Relative Rates
  • Relative Fees
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Review & Overview

    Citywide Home Loans is a small mortgage company specializing in Home Purchase, Refi, and Cash Out Refi 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, Ogden, Phoenix, Denver, and Provo among others. We have data for 134 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Citywide Home Loans has an 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 6.66% 10/3/22
    30 Year Conventional Refi 6.55% 10/3/22
    30 Year Cash-out Refi 6.76% 10/3/22
    30 Year FHA Purchase 7.52% 10/3/22
    30 Year FHA Refi 7.08% 10/3/22
    30 Year VA Purchase 6.44% 10/3/22
    30 Year VA Refi 5.94% 10/3/22
    30 Year USDA Purchase 6.99% 10/3/22
    30 Year USDA Refi 6.69% 10/3/22
    15 Year Conventional Purchase 6.28% 10/3/22
    15 Year Conventional Refi 6.25% 10/3/22
    15 Year Cash-out Refi 6.25% 10/3/22
    15 Year FHA Refi 5.96% 10/3/22
    15 Year VA Refi 5.97% 10/3/22
    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.


    Originations

    6,276

    Origination Dollar Volume (All Markets)

    $2,034,510,000

    Awards

    CITYWIDE HOME LOANS VA Loans silver CITYWIDE HOME LOANS 30 Year Conventional Loans silver CITYWIDE HOME LOANS 30 Year Conventional Loans gold
    Show all (3) awards

    Relative Rate

    Citywide Home Loans 's average 30 year fixed mortgage rate was 3.16%.

    The 2021 average 30 year fixed rate mortgage across all markets and lenders was 3.15%.

    This yields a difference of 0.01%.

    Relative Fees (Closing Costs)

    Citywide Home Loans 's average total fees/closing costs for a 30 year fixed rate mortgage were $6,221.

    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 $4,750.

    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) 1,522 $489,050,000 $321,321 $5,765 3.21%
    OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 1,091 $343,915,000 $315,229 $6,521 3.24%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 874 $279,470,000 $319,760 $5,512 3.10%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 597 $181,865,000 $304,631 $6,695 2.68%
    PROVO-OREM, UT (FHA|USDA|VA) 501 $171,305,000 $341,926 $6,365 3.19%
    Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 258 $107,820,000 $417,907 $6,429 2.92%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 146 $72,520,000 $496,712 $5,596 3.06%
    ST. GEORGE, UT (FHA|USDA|VA) 136 $48,980,000 $360,147 $5,751 3.09%
    LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 95 $37,315,000 $392,789 $4,885 3.16%
    Outside of Metro Areas 137 $30,655,000 $223,759 $5,098 3.13%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 135 $26,045,000 $192,926 $5,523 2.80%
    Heber, UT (FHA|USDA|VA) 50 $24,950,000 $499,000 $5,165 3.04%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 65 $22,245,000 $342,231 $5,059 3.06%
    Hilo, HI (FHA|USDA|VA) 36 $16,950,000 $470,833 $5,961 3.09%
    GREELEY, CO (FHA|USDA|VA) 59 $15,715,000 $266,356 $7,987 2.52%
    FRESNO, CA (FHA|USDA|VA) 54 $15,500,000 $287,037 $4,808 3.21%
    BOISE CITY, ID (FHA|USDA|VA) 38 $11,600,000 $305,263 $6,310 2.99%
    Elko, NV (FHA|USDA|VA) 36 $9,630,000 $267,500 $6,115 3.01%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 14 $7,260,000 $518,571 $4,249 2.95%
    PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 26 $7,250,000 $278,846 $5,196 3.27%
    LOGAN, UT-ID (FHA|USDA|VA) 24 $6,440,000 $268,333 $5,298 3.20%
    COLORADO SPRINGS, CO (FHA|USDA|VA) 18 $4,860,000 $270,000 $6,621 2.61%
    BOULDER, CO (FHA|USDA|VA) 15 $4,735,000 $315,667 $5,522 2.66%
    San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 8 $4,390,000 $548,750 $5,451 2.86%
    Evanston, WY (FHA|USDA|VA) 19 $4,215,000 $221,842 $4,497 2.80%
    MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 14 $4,030,000 $287,857 $5,776 2.77%
    VISALIA, CA (FHA|USDA|VA) 22 $3,640,000 $165,455 $5,284 2.54%
    FLAGSTAFF, AZ (FHA|USDA|VA) 14 $3,620,000 $258,571 $6,635 2.95%
    Show Low, AZ (FHA|USDA|VA) 11 $3,225,000 $293,182 $3,867 3.23%
    BAKERSFIELD, CA (FHA|USDA|VA) 13 $3,195,000 $245,769 $4,065 2.90%
    FORT COLLINS, CO (FHA|USDA|VA) 11 $3,085,000 $280,455 $5,901 2.64%
    PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 9 $2,925,000 $325,000 $5,230 2.79%
    SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 5 $2,745,000 $549,000 $7,251 3.25%
    Moses Lake, WA (FHA|USDA|VA) 9 $2,375,000 $263,889 $6,076 2.99%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 7 $2,365,000 $337,857 $5,699 2.79%
    TUCSON, AZ (FHA|USDA|VA) 7 $2,255,000 $322,143 $4,019 2.95%
    OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 5 $2,055,000 $411,000 $4,233 2.70%
    Oak Harbor, WA (FHA|USDA|VA) 5 $2,015,000 $403,000 $7,340 2.90%
    URBAN HONOLULU, HI (FHA|USDA|VA) 3 $1,875,000 $625,000 $12,351 3.04%
    Rexburg, ID (FHA|USDA|VA) 5 $1,715,000 $343,000 $6,676 3.18%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 4 $1,580,000 $395,000 $5,348 3.28%
    Breckenridge, CO (FHA|USDA|VA) 2 $1,570,000 $785,000 $3,636 3.44%
    IDAHO FALLS, ID (FHA|USDA|VA) 7 $1,555,000 $222,143 $6,002 3.14%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 5 $1,475,000 $295,000 $4,362 3.75%
    Cedar City, UT (FHA|USDA|VA) 6 $1,470,000 $245,000 $6,303 3.25%
    Outside of Metro Areas 1 $1,345,000 $1,345,000 $67,246 2.75%
    BELLINGHAM, WA (FHA|USDA|VA) 5 $1,315,000 $263,000 $2,974 2.78%
    Vernal, UT (FHA|USDA|VA) 7 $1,275,000 $182,143 $7,419 3.52%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 6 $1,200,000 $200,000 $2,991 3.37%
    OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 4 $1,190,000 $297,500 $4,289 2.84%
    WENATCHEE, WA (FHA|USDA|VA) 4 $1,150,000 $287,500 $5,496 3.03%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 6 $1,130,000 $188,333 $7,287 3.50%
    Newport, OR (FHA|USDA|VA) 2 $1,040,000 $520,000 $13,182 2.50%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 3 $1,015,000 $338,333 $6,428 2.96%
    Whitewater, WI (FHA|USDA|VA) 2 $1,000,000 $500,000 $2,242 2.56%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 3 $935,000 $311,667 $4,871 3.87%
    BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 3 $915,000 $305,000 $4,087 3.33%
    TWIN FALLS, ID (FHA|USDA|VA) 3 $825,000 $275,000 $5,292 2.83%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 3 $745,000 $248,333 $5,271 3.16%
    YUMA, AZ (FHA|USDA|VA) 3 $735,000 $245,000 $6,695 3.38%
    HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 4 $690,000 $172,500 $7,896 3.91%
    PUEBLO, CO (FHA|USDA|VA) 2 $660,000 $330,000 $2,760 2.75%
    Mountain Home, ID (FHA|USDA|VA) 3 $645,000 $215,000 $7,616 3.00%
    Ellensburg, WA (FHA|USDA|VA) 2 $640,000 $320,000 $3,839 3.44%
    SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 2 $640,000 $320,000 $3,534 2.81%
    LEWISTON, ID-WA (FHA|USDA|VA) 2 $620,000 $310,000 $5,910 2.81%
    Hailey, ID (FHA|USDA|VA) 2 $590,000 $295,000 $7,550 3.31%
    GRAND JUNCTION, CO (FHA|USDA|VA) 2 $580,000 $290,000 $3,471 3.25%
    TYLER, TX (FHA|USDA|VA) 1 $545,000 $545,000 $9,652 2.88%
    CARSON CITY, NV (FHA|USDA|VA) 1 $545,000 $545,000 $7,089 3.13%
    WICHITA, KS (FHA|USDA|VA) 1 $535,000 $535,000 $3,303 2.75%
    KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) 1 $525,000 $525,000 $3,502 2.25%
    SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 1 $505,000 $505,000 $4,508 3.25%
    Blackfoot, ID (FHA|USDA|VA) 2 $500,000 $250,000 $6,240 2.63%
    SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 1 $495,000 $495,000 $5,118 2.88%
    HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 4 $490,000 $122,500 $4,407 3.25%
    VALLEJO, CA (FHA|USDA|VA) 2 $480,000 $240,000 $3,571 2.31%
    Price, UT (FHA|USDA|VA) 4 $480,000 $120,000 $6,880 3.56%
    Othello, WA (FHA|USDA|VA) 2 $460,000 $230,000 $4,513 3.75%
    KILLEEN-TEMPLE, TX (FHA|USDA|VA) 3 $455,000 $151,667 $2,606 3.54%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 1 $455,000 $455,000 $6,038 3.25%
    CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 3 $445,000 $148,333 $4,551 3.00%
    YAKIMA, WA (FHA|USDA|VA) 2 $440,000 $220,000 $6,024 3.69%
    WAUSAU-WESTON, WI (FHA|USDA|VA) 1 $435,000 $435,000 $2,666 3.13%
    Gardnerville Ranchos, NV (FHA|USDA|VA) 1 $435,000 $435,000 $3,462 3.25%
    RENO, NV (FHA|USDA|VA) 2 $430,000 $215,000 $4,827 3.50%
    KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 1 $415,000 $415,000 $4,575 2.25%
    LUBBOCK, TX (FHA|USDA|VA) 1 $405,000 $405,000 $5,318 3.25%
    Ukiah, CA (FHA|USDA|VA) 1 $385,000 $385,000 $4,036 2.99%
    MOBILE, AL (FHA|USDA|VA) 1 $375,000 $375,000 $246 2.38%
    NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) 1 $365,000 $365,000 $4,546 3.63%
    Winnemucca, NV (FHA|USDA|VA) 1 $345,000 $345,000 $9,740 3.50%
    Brookings, OR (FHA|USDA|VA) 1 $345,000 $345,000 $3,986 2.99%
    STOCKTON, CA (FHA|USDA|VA) 1 $345,000 $345,000 $5,028 3.38%
    YUBA CITY, CA (FHA|USDA|VA) 1 $335,000 $335,000 $3,219 2.50%
    CHICO, CA (FHA|USDA|VA) 1 $335,000 $335,000 $6,098 3.38%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 1 $325,000 $325,000 $3,255 2.88%
    LONGVIEW, WA (FHA|USDA|VA) 1 $325,000 $325,000 $3,709 2.88%
    LAS CRUCES, NM (FHA|USDA|VA) 1 $325,000 $325,000 $6,117 3.25%
    FORT SMITH, AR-OK (FHA|USDA|VA) 1 $315,000 $315,000 $3,041 3.25%
    MODESTO, CA (FHA|USDA|VA) 1 $305,000 $305,000 $7,938 2.88%
    Sandpoint, ID (FHA|USDA|VA) 1 $295,000 $295,000 $6,604 2.88%
    JACKSONVILLE, FL (FHA|USDA|VA) 1 $295,000 $295,000 $4,746 2.25%
    LINCOLN, NE (FHA|USDA|VA) 1 $285,000 $285,000 $6,381 2.99%
    AMARILLO, TX (FHA|USDA|VA) 1 $275,000 $275,000 $6,406 3.25%
    Pullman, WA (FHA|USDA|VA) 1 $265,000 $265,000 $2,340 2.63%
    Shelton, WA (FHA|USDA|VA) 1 $265,000 $265,000 $2,684 2.38%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 1 $255,000 $255,000 $4,551 3.25%
    ABILENE, TX (FHA|USDA|VA) 1 $245,000 $245,000 $4,520 3.25%
    YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 1 $235,000 $235,000 $3,545 2.63%
    HANFORD-CORCORAN, CA (FHA|USDA|VA) 1 $225,000 $225,000 $3,881 3.13%
    EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 1 $225,000 $225,000 $2,652 2.25%
    LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 1 $225,000 $225,000 $6,926 2.99%
    Fort Morgan, CO (FHA|USDA|VA) 1 $215,000 $215,000 $7,572 3.13%
    RACINE, WI (FHA|USDA|VA) 2 $210,000 $105,000 $0 3.88%
    MERCED, CA (FHA|USDA|VA) 1 $205,000 $205,000 $3,451 3.13%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 1 $195,000 $195,000 $7,139 2.00%
    Jefferson, GA (FHA|USDA|VA) 1 $185,000 $185,000 $3,472 2.63%
    Coos Bay, OR (FHA|USDA|VA) 1 $185,000 $185,000 $3,824 2.25%
    Butte-Silver Bow, MT (FHA|USDA|VA) 1 $185,000 $185,000 $4,118 3.25%
    FORT WAYNE, IN (FHA|USDA|VA) 1 $175,000 $175,000 $2,570 3.38%
    EAU CLAIRE, WI (FHA|USDA|VA) 1 $175,000 $175,000 $2,367 3.13%
    ROCKFORD, IL (FHA|USDA|VA) 2 $170,000 $85,000 $8,664 1.75%
    Pontiac, IL (FHA|USDA|VA) 2 $160,000 $80,000 $6,116 1.88%
    MEMPHIS, TN-MS-AR (FHA|USDA|VA) 1 $155,000 $155,000 $3,166 2.75%
    Logansport, IN (FHA|USDA|VA) 1 $145,000 $145,000 $2,295 3.13%
    BRUNSWICK, GA (FHA|USDA|VA) 1 $125,000 $125,000 $4,319 3.38%
    LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 1 $125,000 $125,000 $7,175 3.13%
    EL PASO, TX (FHA|USDA|VA) 1 $115,000 $115,000 $8,003 2.99%
    TULSA, OK (FHA|USDA|VA) 1 $105,000 $105,000 $0 3.63%
    SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 1 $105,000 $105,000 $0 4.38%
    Stevens Point, WI (FHA|USDA|VA) 1 $95,000 $95,000 $0 3.50%
    POCATELLO, ID (FHA|USDA|VA) 1 $85,000 $85,000 $3,577 2.88%
    Burlington, IA-IL (FHA|USDA|VA) 1 $75,000 $75,000 $0 4.50%

    Citywide Home Loans 's top markets include Salt Lake City, Ogden, Phoenix, Denver, and Provo among others.

    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.

    SAFE 1 CREDIT UNION
    Similarity Rank: 228
    HORIZON UTAH Federal Credit Union
    Similarity Rank: 350
    Christian Community Credit Union
    Similarity Rank: 354
    First Credit Union
    Similarity Rank: 378
    WEBER STATE FEDERAL CREDIT UNION
    Similarity Rank: 384
    Credence Funding Corporation
    Similarity Rank: 404
    State Bank of Southern Utah
    Similarity Rank: 432
    LONG BEACH CITY EMPLOYEES Federal Credit Union
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    MYPOINT Credit Union
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    Chaffey Federal Credit Union
    Similarity Rank: 966

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 5,196 $1,650,160,000 $317,583 $4,745 3.10%
    FHA 746 $253,850,000 $340,282 $12,038 3.13%
    VA 291 $119,045,000 $409,089 $9,019 2.78%
    USDA 43 $11,455,000 $266,395 $7,685 3.12%

    For 2021, Citywide Home Loans 's most frequently originated type of loan was Conventional, with 5,196 originations. Their 2nd most popular type was FHA, with 746 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 3,175 $1,079,005,000 $339,844 $7,376 3.13%
    Refi 1,654 $496,210,000 $300,006 $4,284 2.91%
    Cash Out Refi 1,447 $459,295,000 $317,412 $5,119 3.21%

    For 2021, Citywide Home Loans 's most frequently cited loan purpose was Home Purchase, with 3,175 originations. The 2nd most popular reason was Refi, with 1,654 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 5,609 $1,875,295,000 $334,337 $6,221 3.16%
    15 Year 429 $107,255,000 $250,012 $3,828 2.48%
    20 Year 143 $35,865,000 $250,804 $3,771 2.89%
    Other 40 $11,740,000 $293,500 $4,097 3.23%
    10 Year 33 $4,175,000 $126,515 $3,175 2.01%
    3 Year 13 $135,000 $10,385 $0 0.00%
    5 Year 9 $45,000 $5,000 $0 0.00%

    For 2021, Citywide Home Loans 's most frequently cited loan duration was 30 Year, with 5,609 originations. The 2nd most popular length was 15 Year, with 429 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 3,089 $1,070,625,000 $346,593
    $2k-3k 855 $255,385,000 $298,696
    $5k+ 641 $277,825,000 $433,424
    $3k-4k 529 $177,215,000 $335,000
    $<1k 441 $30,455,000 $69,059
    $4k-5k 395 $138,345,000 $350,241

    Citywide Home Loans 's average total fees were $6,221, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 3,089 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 2,971 $1,056,845,000 $355,720
    2.5-3% 2,262 $776,350,000 $343,214
    <2.5% 697 $163,615,000 $234,742
    4-5% 263 $35,995,000 $136,863
    5-6% 83 $1,705,000 $20,542

    During 2021, Citywide Home Loans 's average interest rate for loans was 3.16%, while their most frequently originated rate bucket for loans was 3-4%, with 2,971 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 3,215 $966,335,000 $300,571 $5,817 3.11%
    $400k-600k 1,472 $705,390,000 $479,205 $6,989 3.12%
    $100k-200k 825 $131,505,000 $159,400 $3,971 3.02%
    $100,000 or less 474 $12,850,000 $27,110 $3,364 2.96%
    $600k-1MM 260 $180,700,000 $695,000 $7,493 3.05%
    $1MM+ 30 $37,730,000 $1,257,667 $12,956 3.17%

    2021 saw Citywide Home Loans place emphasis on $200k-400k loans with 3,215 originations, totaling $966,335,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 1,780 $455,050,000 $255,646 $6,263 3.11%
    $75k-100k 1,375 $428,905,000 $311,931 $6,429 3.10%
    $100k-150k 1,337 $510,555,000 $381,866 $5,776 3.07%
    $150k-250k 726 $324,690,000 $447,231 $5,414 3.08%
    $50k or less 671 $125,985,000 $187,757 $5,224 3.13%
    $250k+ 300 $160,000,000 $533,333 $6,445 3.11%

    Citywide Home Loans lent most frequently to those with incomes in the $50k-75k range, with 1,780 originations. The second most popular income band? $75k-100k, with 1,375 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 1,131 $371,425,000 $328,404 $4,834 3.03%
    30-36% 1,048 $343,680,000 $327,939 $5,405 3.10%
    <20% 549 $124,155,000 $226,148 $4,654 2.47%
    44% 324 $113,170,000 $349,290 $6,233 3.21%
    43% 291 $101,895,000 $350,155 $6,082 3.27%
    41% 265 $93,105,000 $351,340 $6,012 3.23%
    50-60% 262 $85,850,000 $327,672 $11,319 3.22%
    40% 253 $84,445,000 $333,775 $6,177 3.24%
    42% 235 $81,515,000 $346,872 $6,225 3.19%
    39% 235 $73,145,000 $311,255 $5,312 3.20%
    37% 233 $74,365,000 $319,163 $5,753 3.21%
    45% 221 $75,165,000 $340,113 $6,594 3.23%
    38% 215 $71,495,000 $332,535 $5,508 3.17%
    36% 200 $66,160,000 $330,800 $5,756 3.16%
    49% 188 $63,150,000 $335,904 $6,996 3.28%
    46% 175 $58,995,000 $337,114 $7,460 3.18%
    47% 168 $55,340,000 $329,405 $7,568 3.24%
    48% 162 $57,960,000 $357,778 $7,659 3.24%
    >60% 10 $3,530,000 $353,000 $9,144 3.68%

    Citywide Home Loans lent most frequently to those with DTI ratios of 20-30%, with 1,131 originations. The next most common DTI ratio? 30-36%, with 1,048 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 5,108 $1,643,710,000 $321,791 $5,909 3.09%
    Not provided 724 $239,280,000 $330,497 $5,954 3.14%
    Asian 202 $77,060,000 $381,485 $6,018 3.06%
    Black 147 $42,365,000 $288,197 $7,319 2.90%
    Native Hawaiian or Islander 34 $10,530,000 $309,706 $8,627 3.14%
    American Indian 24 $7,970,000 $332,083 $6,741 3.25%
    Asian Indian 10 $4,170,000 $417,000 $4,352 2.95%
    Filipino 7 $2,235,000 $319,286 $7,692 3.59%
    Other Asian 5 $1,715,000 $343,000 $6,791 2.85%
    Japanese 5 $1,685,000 $337,000 $6,285 2.68%
    Other Pacific Islander 4 $1,570,000 $392,500 $5,023 3.53%
    Korean 3 $1,045,000 $348,333 $3,426 2.66%
    Native Hawaiian 1 $545,000 $545,000 $4,667 2.99%
    Samoan 1 $485,000 $485,000 $4,200 3.50%
    Vietnamese 1 $145,000 $145,000 $3,152 3.25%

    Approval Rates

    Total approvals of all applications
    86.43%

    Citywide Home Loans has an average approval rate.

    Pick Rate

    Approvals leading to origination
    80.66%

    Citywide Home Loans has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 6,276 $2,034,510,000 $324,173

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    6,276 $2,034,510,000 $324,173

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 301 $61,505,000 $204,336 $3,646 2.82%
    40-60% 983 $281,985,000 $286,862 $4,122 2.95%
    60-80% 2,222 $797,510,000 $358,915 $5,061 3.17%
    80-100% 2,260 $845,190,000 $373,978 $7,542 3.14%
    Over 100% 88 $38,970,000 $442,841 $13,608 2.99%
    Under 20% 422 $9,350,000 $22,156 $3,368 2.94%

    Complaints

    Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
    CITYWIDE HOME LOANS Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 1 50.0%
    CITYWIDE HOME LOANS FHA mortgage Applying for a mortgage or refinancing an existing mortgage 1 50.0%