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 small 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. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: Salt Lake City, Denver, Ogden, Las Vegas, and Provo among others. We have data for 147 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.58% | 4/18/24 |
| 30 Year Conventional Refi | 6.63% | 4/18/24 |
| 30 Year Cash-out Refi | 6.87% | 4/18/24 |
| 30 Year FHA Purchase | 7.60% | 4/18/24 |
| 30 Year FHA Refi | 6.79% | 4/18/24 |
| 30 Year VA Purchase | 6.27% | 4/18/24 |
| 30 Year VA Refi | 6.23% | 4/18/24 |
| 30 Year USDA Purchase | 6.73% | 4/18/24 |
| 30 Year USDA Refi | 6.27% | 4/18/24 |
| 15 Year Conventional Purchase | 6.21% | 4/18/24 |
| 15 Year Conventional Refi | 6.14% | 4/18/24 |
| 15 Year Cash-out Refi | 6.14% | 4/18/24 |
| 15 Year FHA Refi | 5.68% | 4/18/24 |
| 15 Year VA Purchase | 5.68% | 4/18/24 |
| 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
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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
11,665Origination Dollar Volume (All Markets)
$2,890,985,000Awards
CITYWIDE HOME LOANS - 2018
CITYWIDE HOME LOANS is a 2018 , due to their low .
For 2018, 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 |
|---|---|---|---|---|---|
| SALT LAKE CITY, UT (FHA|USDA|VA) | 2,470 | $623,750,000 | $252,530 | $6,086 | 5.07% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 1,312 | $390,300,000 | $297,485 | $5,361 | 4.40% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 1,490 | $339,360,000 | $227,758 | $6,183 | 5.17% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 1,058 | $268,670,000 | $253,941 | $6,080 | 5.07% |
| PROVO-OREM, UT (FHA|USDA|VA) | 737 | $191,595,000 | $259,966 | $5,931 | 5.06% |
| VISALIA, CA (FHA|USDA|VA) | 810 | $116,320,000 | $143,605 | $6,374 | 4.26% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 406 | $101,760,000 | $250,640 | $5,608 | 4.98% |
| FRESNO, CA (FHA|USDA|VA) | 369 | $98,515,000 | $266,978 | $5,684 | 4.73% |
| BOULDER, CO (FHA|USDA|VA) | 176 | $74,660,000 | $424,205 | $4,617 | 4.55% |
| BOISE CITY, ID (FHA|USDA|VA) | 367 | $74,565,000 | $203,174 | $5,677 | 4.88% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 103 | $48,095,000 | $466,942 | $9,153 | 4.76% |
| ST. GEORGE, UT (FHA|USDA|VA) | 187 | $45,755,000 | $244,679 | $5,150 | 5.11% |
| GREELEY, CO (FHA|USDA|VA) | 156 | $42,630,000 | $273,269 | $5,490 | 4.55% |
| Outside of Metro Areas | 211 | $41,025,000 | $194,431 | $5,361 | 5.05% |
| Cedar City, UT (FHA|USDA|VA) | 205 | $39,135,000 | $190,902 | $5,296 | 5.04% |
| FORT COLLINS, CO (FHA|USDA|VA) | 107 | $32,795,000 | $306,495 | $5,100 | 4.64% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 115 | $32,235,000 | $280,304 | $7,064 | 4.50% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 72 | $32,090,000 | $445,694 | $9,297 | 4.82% |
| Heber, UT (FHA|USDA|VA) | 55 | $22,545,000 | $409,909 | $5,780 | 5.03% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 119 | $20,015,000 | $168,193 | $8,062 | 5.26% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 114 | $18,060,000 | $158,421 | $5,876 | 4.97% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 81 | $17,115,000 | $211,296 | $5,985 | 4.18% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 58 | $16,000,000 | $275,862 | $7,099 | 4.91% |
| LOGAN, UT-ID (FHA|USDA|VA) | 83 | $15,755,000 | $189,819 | $5,964 | 5.29% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 62 | $12,090,000 | $195,000 | $6,842 | 4.42% |
| Elko, NV (FHA|USDA|VA) | 49 | $11,765,000 | $240,102 | $8,218 | 4.77% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 66 | $11,400,000 | $172,727 | $5,023 | 4.88% |
| VALLEJO, CA (FHA|USDA|VA) | 28 | $10,410,000 | $371,786 | $9,283 | 4.86% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 30 | $10,280,000 | $342,667 | $7,480 | 4.79% |
| URBAN HONOLULU, HI (FHA|USDA|VA) | 16 | $9,460,000 | $591,250 | $14,477 | 4.92% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 33 | $9,055,000 | $274,394 | $8,946 | 4.65% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 44 | $8,870,000 | $201,591 | $6,344 | 4.55% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 26 | $8,490,000 | $326,538 | $10,049 | 4.51% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 32 | $7,830,000 | $244,688 | $7,793 | 4.92% |
| HANFORD-CORCORAN, CA (FHA|USDA|VA) | 48 | $5,900,000 | $122,917 | $6,158 | 4.39% |
| STOCKTON, CA (FHA|USDA|VA) | 16 | $5,170,000 | $323,125 | $6,785 | 4.98% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 12 | $4,460,000 | $371,667 | $6,701 | 4.35% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 6 | $4,140,000 | $690,000 | $7,661 | 5.48% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 38 | $4,090,000 | $107,632 | $5,345 | 4.60% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 17 | $3,805,000 | $223,824 | $6,213 | 4.94% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 27 | $3,215,000 | $119,074 | $5,345 | 4.37% |
| NAPA, CA (FHA|USDA|VA) | 5 | $2,905,000 | $581,000 | $9,923 | 5.13% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 9 | $2,865,000 | $318,333 | $7,297 | 4.88% |
| MERCED, CA (FHA|USDA|VA) | 7 | $1,895,000 | $270,714 | $4,933 | 5.05% |
| Breckenridge, CO (FHA|USDA|VA) | 4 | $1,880,000 | $470,000 | $3,656 | 5.50% |
| Vernal, UT (FHA|USDA|VA) | 9 | $1,705,000 | $189,444 | $5,156 | 4.97% |
| Edwards, CO (FHA|USDA|VA) | 4 | $1,630,000 | $407,500 | $5,723 | 3.50% |
| MADERA, CA (FHA|USDA|VA) | 8 | $1,580,000 | $197,500 | $5,534 | 4.70% |
| Pahrump, NV (FHA|USDA|VA) | 8 | $1,430,000 | $178,750 | $6,897 | 5.14% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 3 | $1,425,000 | $475,000 | $6,623 | 5.58% |
| Outside of Metro Areas | 4 | $1,200,000 | $300,000 | $6,096 | 5.16% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 3 | $1,195,000 | $398,333 | $8,779 | 4.83% |
| PUEBLO, CO (FHA|USDA|VA) | 7 | $1,185,000 | $169,286 | $3,964 | 5.00% |
| Ontario, OR-ID (FHA|USDA|VA) | 7 | $1,185,000 | $169,286 | $6,574 | 5.13% |
| Winnemucca, NV (FHA|USDA|VA) | 4 | $1,150,000 | $287,500 | $7,619 | 4.81% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 4 | $1,050,000 | $262,500 | $4,666 | 4.66% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 7 | $975,000 | $139,286 | $5,295 | 3.59% |
| Hailey, ID (FHA|USDA|VA) | 4 | $950,000 | $237,500 | $6,853 | 4.75% |
| Cañon City, CO (FHA|USDA|VA) | 5 | $945,000 | $189,000 | $4,509 | 5.08% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 7 | $895,000 | $127,857 | $4,230 | 5.23% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 6 | $890,000 | $148,333 | $5,071 | 4.85% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 1 | $885,000 | $885,000 | $5,425 | 4.63% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 5 | $845,000 | $169,000 | $4,422 | 5.90% |
| Fort Morgan, CO (FHA|USDA|VA) | 4 | $830,000 | $207,500 | $6,692 | 5.25% |
| MODESTO, CA (FHA|USDA|VA) | 6 | $820,000 | $136,667 | $4,198 | 3.63% |
| BEND, OR (FHA|USDA|VA) | 2 | $810,000 | $405,000 | $5,328 | 4.88% |
| IDAHO FALLS, ID (FHA|USDA|VA) | 4 | $730,000 | $182,500 | $5,082 | 4.75% |
| TULSA, OK (FHA|USDA|VA) | 3 | $725,000 | $241,667 | $7,583 | 4.21% |
| Williston, ND (FHA|USDA|VA) | 1 | $705,000 | $705,000 | $5,603 | 5.50% |
| Hereford, TX (FHA|USDA|VA) | 5 | $695,000 | $139,000 | $4,987 | 5.00% |
| POCATELLO, ID (FHA|USDA|VA) | 3 | $675,000 | $225,000 | $6,808 | 4.54% |
| Mountain Home, ID (FHA|USDA|VA) | 6 | $670,000 | $111,667 | $6,105 | 4.80% |
| TUCSON, AZ (FHA|USDA|VA) | 3 | $625,000 | $208,333 | $4,112 | 4.92% |
| MIDLAND, TX (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $9,718 | 5.81% |
| Ellensburg, WA (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $6,122 | 4.38% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $3,957 | 5.00% |
| KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) | 1 | $595,000 | $595,000 | $13,142 | 5.50% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 3 | $585,000 | $195,000 | $7,343 | 5.21% |
| YUBA CITY, CA (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $7,788 | 4.75% |
| Evanston, WY (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $5,284 | 4.81% |
| AMARILLO, TX (FHA|USDA|VA) | 3 | $525,000 | $175,000 | $5,780 | 4.75% |
| EL PASO, TX (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $5,563 | 4.88% |
| Oak Harbor, WA (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $7,539 | 4.75% |
| TWIN FALLS, ID (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $5,732 | 4.75% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $3,256 | 5.38% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $6,205 | 4.88% |
| BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) | 3 | $405,000 | $135,000 | $7,407 | 5.08% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $2,925 | 4.81% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $11,241 | 4.50% |
| Kerrville, TX (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $2,552 | 4.50% |
| KNOXVILLE, TN (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $7,383 | 4.88% |
| Clearlake, CA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $7,898 | 5.00% |
| GREAT FALLS, MT (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $7,009 | 5.13% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $9,874 | 4.38% |
| LEWISTON, ID-WA (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $4,769 | 5.25% |
| Durango, CO (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $3,047 | 4.13% |
| Sandpoint, ID (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $7,672 | 4.88% |
| Moscow, ID (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $2,651 | 5.00% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $3,552 | 4.63% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $6,403 | 5.13% |
| Greeneville, TN (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $5,558 | 4.75% |
| Price, UT (FHA|USDA|VA) | 4 | $310,000 | $77,500 | $4,862 | 5.08% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $5,128 | 4.63% |
| Bozeman, MT (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $10,902 | 4.75% |
| ODESSA, TX (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $10,450 | 5.00% |
| Ukiah, CA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $6,007 | 4.75% |
| COLUMBUS, OH (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $3,415 | 5.25% |
| LAS CRUCES, NM (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $12,364 | 5.00% |
| SALEM, OR (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $4,352 | 4.88% |
| MEDFORD, OR (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $8,034 | 4.13% |
| Key West, FL (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $4,425 | 5.50% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $8,143 | 4.75% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $4,998 | 5.63% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $4,791 | 5.25% |
| YAKIMA, WA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $4,977 | 4.75% |
| Kingsville, TX (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $10,704 | 5.00% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,289 | 5.38% |
| Logansport, IN (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $7,423 | 5.50% |
| Jefferson, GA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $6,083 | 4.63% |
| Pullman, WA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $5,621 | 4.50% |
| Othello, WA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,185 | 5.00% |
| Ashtabula, OH (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $5,748 | 4.75% |
| Blackfoot, ID (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $4,937 | 4.50% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 2 | $170,000 | $85,000 | $4,201 | 2.81% |
| Rio Grande City-Roma, TX (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $9,100 | 5.63% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $5,775 | 5.63% |
| Payson, AZ (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,888 | 4.75% |
| LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,244 | 5.25% |
| Rochelle, IL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $6,883 | 5.13% |
| KANKAKEE, IL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,850 | 4.75% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $5,181 | 4.88% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,802 | 7.75% |
| Findlay, OH (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,845 | 4.75% |
| Riverton, WY (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $5,585 | 4.75% |
| Aberdeen, WA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $4,148 | 5.50% |
| VICTORIA, TX (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $8,038 | 6.13% |
| Glenwood Springs, CO (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,706 | 5.13% |
| MOBILE, AL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,209 | 4.63% |
| Rexburg, ID (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,917 | 5.13% |
| El Campo, TX (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $5,352 | 5.25% |
| Levelland, TX (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $3,868 | 5.13% |
| EVANSVILLE, IN-KY (FHA|USDA|VA) | 2 | $80,000 | $40,000 | $2,417 | 6.13% |
| Nacogdoches, TX (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $5,970 | 5.25% |
| Mineral Wells, TX (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $4,094 | 5.38% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $2,799 | 4.75% |
| DOTHAN, AL (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $3,268 | 4.38% |
| NORWICH-NEW LONDON, CT (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $4,249 | 5.25% |
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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 2018, Citywide Home Loans's most frequently originated type of loan was Conventional, with 8,248 originations. Their 2nd most popular type was FHA, with 2,517 originations.
Loan Reason
For 2018, Citywide Home Loans's most frequently cited loan purpose was Home Purchase, with 10,078 originations. The 2nd most popular reason was Home Improvement, with 781 originations.
Loan Duration/Length
For 2018, Citywide Home Loans's most frequently cited loan duration was 30 Year, with 11,276 originations. The 2nd most popular length was 15 Year, with 174 originations.
Origination Fees/Closing Costs
Citywide Home Loans's average total fees were $6,077, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 4,964 originations.
Interest Rates
During 2018, Citywide Home Loans's average interest rate for loans was 4.89%, while their most frequently originated rate bucket for loans was 4-5%, with 6,463 originations.
Loan Sizing
2018 saw Citywide Home Loans place emphasis on $200k-400k loans with 6,225 originations, totaling $1,756,235,000 in origination value.
Applicant Income
Citywide Home Loans lent most frequently to those with incomes in the $50k-75k range, with 3,803 originations. The second most popular income band? $50k or less, with 2,591 originations.
Applicant Debt to Income Ratio
Citywide Home Loans lent most frequently to those with DTI ratios of 30-36%, with 1,613 originations. The next most common DTI ratio? 20-30%, with 1,282 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications99.04%
Citywide Home Loans has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination77.12%
Citywide Home Loans has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 11,665 | $2,890,985,000 | $247,834 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Manufactured | 180 | $29,080,000 | $161,556 |
| Single Family (1-4 Units):Site-Built | 11,485 | $2,861,905,000 | $249,186 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2018 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| CITYWIDE HOME LOANS A UTAH CORPORATION | Conventional home mortgage | Closing on a mortgage | 1 | 50.0% |
| CITYWIDE HOME LOANS A UTAH CORPORATION | FHA mortgage | Closing on a mortgage | 1 | 50.0% |