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, Ogden, Phoenix, Denver, and Provo among others. We have data for 83 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 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 relatively high 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 | 6.58% | 4/25/24 |
| 30 Year Conventional Refi | 6.63% | 4/25/24 |
| 30 Year Cash-out Refi | 6.87% | 4/25/24 |
| 30 Year FHA Purchase | 7.60% | 4/25/24 |
| 30 Year FHA Refi | 6.79% | 4/25/24 |
| 30 Year VA Purchase | 6.27% | 4/25/24 |
| 30 Year VA Refi | 6.23% | 4/25/24 |
| 30 Year USDA Purchase | 6.73% | 4/25/24 |
| 30 Year USDA Refi | 6.27% | 4/25/24 |
| 15 Year Conventional Purchase | 6.21% | 4/25/24 |
| 15 Year Conventional Refi | 6.14% | 4/25/24 |
| 15 Year Cash-out Refi | 6.14% | 4/25/24 |
| 15 Year FHA Refi | 5.68% | 4/25/24 |
| 15 Year VA Purchase | 5.68% | 4/25/24 |
| 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. | ||
Citywide Home Loans Mortgage Calculator
Your Estimates
Estimated Loan Payment: Update the calculator values and click calculate payment!
This is not an official calculator from Citywide Home Loans. 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
1,243Origination Dollar Volume (All Markets)
$466,385,000Awards
CITYWIDE HOME LOANS - 2023
CITYWIDE HOME LOANS is a 2023 , due to their low .
For 2023, less than of lenders were eligible for this award.
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Relative Rate
Citywide Home Loans's average 30 year fixed mortgage rate was
6.27%.
The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.
This yields a difference of -0.21%.
Relative Fees (Closing Costs)
Citywide Home Loans's average total fees/closing costs for a 30 year fixed rate
mortgage were $10,465.
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 $9,089.
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) | 279 | $110,935,000 | $397,616 | $10,301 | 6.54% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 181 | $73,905,000 | $408,315 | $10,893 | 6.32% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 139 | $57,305,000 | $412,266 | $10,812 | 6.50% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 160 | $50,330,000 | $314,563 | $12,501 | 4.83% |
| PROVO-OREM, UT (FHA|USDA|VA) | 73 | $29,745,000 | $407,466 | $9,934 | 6.40% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 36 | $17,560,000 | $487,778 | $11,599 | 6.70% |
| FRESNO, CA (FHA|USDA|VA) | 43 | $15,345,000 | $356,860 | $8,935 | 6.71% |
| Outside of Metro Areas | 58 | $14,520,000 | $250,345 | $8,442 | 6.84% |
| ST. GEORGE, UT (FHA|USDA|VA) | 30 | $12,170,000 | $405,667 | $10,507 | 6.79% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 18 | $11,400,000 | $633,333 | $9,241 | 6.75% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 13 | $8,005,000 | $615,769 | $11,848 | 6.91% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 17 | $7,535,000 | $443,235 | $8,204 | 6.46% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 14 | $5,540,000 | $395,714 | $10,751 | 6.74% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 20 | $5,480,000 | $274,000 | $11,956 | 7.52% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 13 | $2,825,000 | $217,308 | $5,235 | 6.28% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 8 | $2,500,000 | $312,500 | $15,671 | 4.77% |
| BOISE CITY, ID (FHA|USDA|VA) | 11 | $2,465,000 | $224,091 | $8,689 | 6.44% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 2 | $2,040,000 | $1,020,000 | $23,846 | 6.69% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 3 | $1,815,000 | $605,000 | $15,179 | 7.33% |
| LOGAN, UT-ID (FHA|USDA|VA) | 6 | $1,810,000 | $301,667 | $6,160 | 6.42% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 7 | $1,735,000 | $247,857 | $6,888 | 5.75% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 5 | $1,705,000 | $341,000 | $12,595 | 6.29% |
| Heber, UT (FHA|USDA|VA) | 3 | $1,575,000 | $525,000 | $7,617 | 6.79% |
| Cedar City, UT (FHA|USDA|VA) | 5 | $1,565,000 | $313,000 | $7,933 | 6.15% |
| Edwards, CO (FHA|USDA|VA) | 2 | $1,380,000 | $690,000 | $17,623 | 7.63% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 5 | $1,375,000 | $275,000 | $9,689 | 6.85% |
| GREELEY, CO (FHA|USDA|VA) | 6 | $1,370,000 | $228,333 | $9,272 | 4.58% |
| IDAHO FALLS, ID (FHA|USDA|VA) | 4 | $1,200,000 | $300,000 | $8,649 | 6.87% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 6 | $1,090,000 | $181,667 | $9,778 | 6.15% |
| BATON ROUGE, LA (FHA|USDA|VA) | 5 | $995,000 | $199,000 | $9,473 | 7.10% |
| FORT COLLINS, CO (FHA|USDA|VA) | 3 | $925,000 | $308,333 | $4,144 | 4.50% |
| BOULDER, CO (FHA|USDA|VA) | 2 | $810,000 | $405,000 | $11,309 | 6.88% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 2 | $810,000 | $405,000 | $7,088 | 6.69% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 3 | $755,000 | $251,667 | $10,393 | 4.33% |
| KNOXVILLE, TN (FHA|USDA|VA) | 2 | $730,000 | $365,000 | $5,304 | 6.13% |
| VISALIA, CA (FHA|USDA|VA) | 3 | $655,000 | $218,333 | $5,586 | 6.63% |
| TWIN FALLS, ID (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $8,590 | 6.74% |
| TUCSON, AZ (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $9,625 | 6.87% |
| Elko, NV (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $10,520 | 6.75% |
| KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) | 1 | $555,000 | $555,000 | $13,389 | 7.00% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $0 | 8.25% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 3 | $455,000 | $151,667 | $5,942 | 4.83% |
| LAFAYETTE, LA (FHA|USDA|VA) | 3 | $445,000 | $148,333 | $7,097 | 6.65% |
| Payson, AZ (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $20,428 | 5.00% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $7,001 | 6.13% |
| MADISON, WI (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $8,639 | 6.13% |
| Winnemucca, NV (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $18,239 | 6.25% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $6,132 | 6.38% |
| MANHATTAN, KS (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $7,427 | 5.99% |
| LONGVIEW, WA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $15,858 | 5.75% |
| SAN ANGELO, TX (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $8,983 | 6.50% |
| Helena, MT (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $11,573 | 6.25% |
| Minot, ND (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $16,444 | 6.75% |
| HANFORD-CORCORAN, CA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $10,962 | 6.63% |
| MISSOULA, MT (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $4,511 | 6.63% |
| Wooster, OH (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $14,035 | 5.63% |
| POCATELLO, ID (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $6,539 | 6.99% |
| BILLINGS, MT (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $7,639 | 5.88% |
| EL PASO, TX (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $8,402 | 6.99% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $9,258 | 6.00% |
| YUMA, AZ (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $12,541 | 6.25% |
| LEWISTON, ID-WA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $6,040 | 6.13% |
| BEND, OR (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $8,544 | 5.63% |
| PUEBLO, CO (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 6.13% |
| Evanston, WY (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $0 | 7.63% |
| Pahrump, NV (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $7,597 | 7.38% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $5,668 | 6.88% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $3,771 | 7.25% |
| HINESVILLE, GA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $4,682 | 5.99% |
| Othello, WA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $0 | 7.00% |
| REDDING, CA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $7,199 | 6.38% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $8,970 | 6.75% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $7,305 | 5.75% |
| ST. CLOUD, MN (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $6,381 | 6.00% |
| ROCKFORD, IL (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $7,298 | 6.25% |
| LUBBOCK, TX (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $4,796 | 6.75% |
| AMARILLO, TX (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $0 | 7.63% |
| Sterling, CO (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $11,507 | 7.38% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $4,203 | 6.13% |
| Athens, TN (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $7,669 | 6.75% |
| TULSA, OK (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 7.13% |
| Huntsville, TX (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 9.00% |
| Stephenville, TX (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 9.00% |
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.
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Product Mix
For 2023, Citywide Home Loans's most frequently originated type of loan was Conventional, with 852 originations. Their 2nd most popular type was FHA, with 297 originations.
Loan Reason
For 2023, Citywide Home Loans's most frequently cited loan purpose was Home Purchase, with 1,151 originations. The 2nd most popular reason was Cash Out Refi, with 71 originations.
Loan Duration/Length
For 2023, Citywide Home Loans's most frequently cited loan duration was 30 Year, with 1,206 originations. The 2nd most popular length was 15 Year, with 29 originations.
Origination Fees/Closing Costs
Citywide Home Loans's average total fees were $10,465, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 529 originations.
Interest Rates
During 2023, Citywide Home Loans's average interest rate for loans was 6.27%, while their most frequently originated rate bucket for loans was 6-7%, with 642 originations.
Loan Sizing
2023 saw Citywide Home Loans place emphasis on $200k-400k loans with 486 originations, totaling $152,370,000 in origination value.
Applicant Income
Citywide Home Loans lent most frequently to those with incomes in the $100k-150k range, with 392 originations. The second most popular income band? $75k-100k, with 295 originations.
Applicant Debt to Income Ratio
Citywide Home Loans lent most frequently to those with DTI ratios of 50-60%, with 204 originations. The next most common DTI ratio? 30-36%, with 140 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications94.52%
Citywide Home Loans has an average approval rate.
Pick Rate
Approvals leading to origination63.31%
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 | 1,243 | $466,385,000 | $375,209 |