City First Mortgage Services Rates, Fees & Info
BOUNTIFUL, UTLEI: 549300YPBBHUEKV1YC68
Tax ID: 87-0515745
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Mortgage Data
Review & Overview
City First Mortgage Services is a smaller mortgage company specializing in Home Purchase and Refi loans. City First Mortgage Services 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: Miami, Austin, Houston, Charleston, and Los Angeles among others. We have data for 123 markets. (Some data included below & more in-depth data is available with an active subscription.)City First Mortgage Services 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. City First Mortgage Services 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 | 7.25% | 12/4/22 |
| 30 Year Conventional Refi | 7.01% | 12/4/22 |
| 30 Year Cash-out Refi | 7.14% | 12/4/22 |
| 30 Year FHA Purchase | 8.05% | 12/4/22 |
| 30 Year FHA Refi | 7.62% | 12/4/22 |
| 30 Year VA Purchase | 6.93% | 12/4/22 |
| 30 Year VA Refi | 6.45% | 12/4/22 |
| 30 Year USDA Purchase | 7.14% | 12/4/22 |
| 30 Year USDA Refi | 7.20% | 12/4/22 |
| 15 Year Conventional Purchase | 6.62% | 12/4/22 |
| 15 Year Conventional Refi | 6.25% | 12/4/22 |
| 15 Year Cash-out Refi | 6.25% | 12/4/22 |
| 15 Year FHA Refi | 7.80% | 12/4/22 |
| 15 Year VA Refi | 6.16% | 12/4/22 |
| 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
2,052Origination Dollar Volume (All Markets)
$550,960,000Awards
CITY FIRST MORTGAGE SERVICES - 2021
CITY FIRST MORTGAGE SERVICES is a 2021 , due to their low .
For 2021, less than of lenders were eligible for this award.
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Relative Rate
City First Mortgage Services's average 30 year fixed mortgage rate was
3.3%.
The 2021 average 30 year fixed rate mortgage across all markets and lenders was 3.15%.
This yields a difference of 0.15%.
Relative Fees (Closing Costs)
City First Mortgage Services's average total fees/closing costs for a 30 year fixed rate
mortgage were $6,552.
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 |
|---|---|---|---|---|---|
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 214 | $69,550,000 | $325,000 | $6,962 | 3.29% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 218 | $66,740,000 | $306,147 | $7,630 | 3.19% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 213 | $48,005,000 | $225,376 | $8,272 | 3.39% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 125 | $35,045,000 | $280,360 | $5,376 | 3.19% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 56 | $25,070,000 | $447,679 | $5,688 | 2.97% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 84 | $24,260,000 | $288,810 | $4,371 | 2.90% |
| LUBBOCK, TX (FHA|USDA|VA) | 130 | $23,000,000 | $176,923 | $5,691 | 3.45% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 86 | $20,700,000 | $240,698 | $4,915 | 3.34% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 79 | $20,535,000 | $259,937 | $6,942 | 3.37% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 54 | $15,270,000 | $282,778 | $5,535 | 3.35% |
| Outside of Metro Areas | 71 | $13,875,000 | $195,423 | $5,844 | 3.20% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 56 | $13,870,000 | $247,679 | $4,841 | 2.92% |
| ST. GEORGE, UT (FHA|USDA|VA) | 40 | $13,290,000 | $332,250 | $4,512 | 2.88% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 52 | $11,840,000 | $227,692 | $7,547 | 3.38% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 36 | $11,170,000 | $310,278 | $7,138 | 3.29% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 46 | $11,080,000 | $240,870 | $7,961 | 3.23% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 21 | $7,625,000 | $363,095 | $7,136 | 3.11% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 34 | $7,120,000 | $209,412 | $5,458 | 3.08% |
| PROVO-OREM, UT (FHA|USDA|VA) | 20 | $6,900,000 | $345,000 | $3,947 | 2.92% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 21 | $6,895,000 | $328,333 | $5,424 | 3.10% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 24 | $6,300,000 | $262,500 | $4,534 | 3.02% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 11 | $6,005,000 | $545,909 | $9,994 | 3.64% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 42 | $4,670,000 | $111,190 | $4,230 | 4.04% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 16 | $4,080,000 | $255,000 | $6,056 | 3.41% |
| BILLINGS, MT (FHA|USDA|VA) | 15 | $3,675,000 | $245,000 | $7,219 | 3.08% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 14 | $3,140,000 | $224,286 | $7,201 | 3.59% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 6 | $3,020,000 | $503,333 | $12,519 | 2.67% |
| MIDLAND, TX (FHA|USDA|VA) | 10 | $2,910,000 | $291,000 | $7,242 | 3.19% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 14 | $2,660,000 | $190,000 | $4,859 | 3.21% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 10 | $2,390,000 | $239,000 | $7,691 | 3.41% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 4 | $2,140,000 | $535,000 | $13,973 | 2.84% |
| Huntsville, TX (FHA|USDA|VA) | 9 | $2,065,000 | $229,444 | $5,890 | 3.13% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 5 | $2,005,000 | $401,000 | $5,680 | 3.05% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 10 | $1,960,000 | $196,000 | $6,872 | 3.35% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 4 | $1,960,000 | $490,000 | $9,402 | 2.91% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 4 | $1,760,000 | $440,000 | $4,995 | 3.44% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 10 | $1,730,000 | $173,000 | $7,249 | 3.66% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 5 | $1,695,000 | $339,000 | $6,047 | 3.05% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 3 | $1,655,000 | $551,667 | $6,016 | 3.04% |
| Pahrump, NV (FHA|USDA|VA) | 8 | $1,570,000 | $196,250 | $6,112 | 3.81% |
| Bozeman, MT (FHA|USDA|VA) | 4 | $1,500,000 | $375,000 | $11,876 | 2.97% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 12 | $1,440,000 | $120,000 | $4,830 | 3.69% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 6 | $1,360,000 | $226,667 | $8,515 | 3.33% |
| TULSA, OK (FHA|USDA|VA) | 7 | $1,295,000 | $185,000 | $5,174 | 3.43% |
| COLUMBIA, SC (FHA|USDA|VA) | 5 | $1,295,000 | $259,000 | $4,011 | 2.80% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 3 | $1,255,000 | $418,333 | $6,484 | 3.04% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 3 | $1,075,000 | $358,333 | $4,311 | 3.04% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 3 | $1,055,000 | $351,667 | $6,247 | 3.67% |
| LONGVIEW, TX (FHA|USDA|VA) | 5 | $1,045,000 | $209,000 | $8,866 | 3.10% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 3 | $1,045,000 | $348,333 | $5,143 | 3.13% |
| Key West, FL (FHA|USDA|VA) | 2 | $1,020,000 | $510,000 | $6,884 | 3.63% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 3 | $995,000 | $331,667 | $2,831 | 2.58% |
| Glenwood Springs, CO (FHA|USDA|VA) | 4 | $980,000 | $245,000 | $5,867 | 3.06% |
| WENATCHEE, WA (FHA|USDA|VA) | 3 | $955,000 | $318,333 | $7,764 | 3.25% |
| TUCSON, AZ (FHA|USDA|VA) | 3 | $935,000 | $311,667 | $6,105 | 4.17% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 2 | $850,000 | $425,000 | $5,952 | 2.88% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 2 | $800,000 | $400,000 | $4,879 | 3.38% |
| Georgetown, SC (FHA|USDA|VA) | 4 | $800,000 | $200,000 | $5,665 | 3.16% |
| Cedar City, UT (FHA|USDA|VA) | 3 | $785,000 | $261,667 | $8,847 | 3.17% |
| STOCKTON, CA (FHA|USDA|VA) | 2 | $740,000 | $370,000 | $13,570 | 3.06% |
| Kalispell, MT (FHA|USDA|VA) | 1 | $705,000 | $705,000 | $16,322 | 3.63% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 2 | $690,000 | $345,000 | $8,250 | 3.06% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 6 | $660,000 | $110,000 | $3,128 | 4.02% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 3 | $655,000 | $218,333 | $6,374 | 3.58% |
| ODESSA, TX (FHA|USDA|VA) | 3 | $575,000 | $191,667 | $7,817 | 3.67% |
| BOISE CITY, ID (FHA|USDA|VA) | 1 | $565,000 | $565,000 | $25,267 | 2.25% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $3,950 | 3.06% |
| Granbury, TX (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $6,084 | 2.88% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 3 | $495,000 | $165,000 | $6,972 | 3.75% |
| KNOXVILLE, TN (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $4,595 | 3.25% |
| Helena, MT (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $15,549 | 2.88% |
| Price, UT (FHA|USDA|VA) | 3 | $465,000 | $155,000 | $3,131 | 3.54% |
| MISSOULA, MT (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $5,509 | 2.75% |
| YAKIMA, WA (FHA|USDA|VA) | 3 | $435,000 | $145,000 | $3,209 | 2.92% |
| Levelland, TX (FHA|USDA|VA) | 3 | $425,000 | $141,667 | $5,889 | 3.42% |
| FRESNO, CA (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $6,953 | 4.13% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $5,082 | 3.25% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 4 | $410,000 | $102,500 | $4,917 | 3.78% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $5,472 | 3.19% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $3,751 | 3.13% |
| TYLER, TX (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $5,795 | 2.88% |
| PANAMA CITY, FL (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $6,795 | 3.56% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $4,959 | 3.38% |
| OCALA, FL (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $3,735 | 2.88% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $4,571 | 2.38% |
| Cullowhee, NC (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $4,974 | 3.63% |
| AMES, IA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $14,457 | 3.25% |
| RICHMOND, VA (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $4,430 | 4.13% |
| Centralia, WA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $4,138 | 4.13% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $9,202 | 2.63% |
| SAN ANGELO, TX (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $5,391 | 2.88% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $5,961 | 3.31% |
| Plainview, TX (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $5,543 | 3.25% |
| MONTGOMERY, AL (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $14,711 | 3.13% |
| WACO, TX (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $6,855 | 2.88% |
| Gillette, WY (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $3,810 | 3.13% |
| Lufkin, TX (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $5,322 | 3.38% |
| CEDAR RAPIDS, IA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $6,390 | 3.25% |
| Andrews, TX (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $7,456 | 3.00% |
| Boone, NC (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $4,392 | 2.75% |
| IDAHO FALLS, ID (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $6,948 | 3.00% |
| AMARILLO, TX (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $4,646 | 3.38% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $4,443 | 3.13% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $6,468 | 3.13% |
| RENO, NV (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,340 | 3.00% |
| Corsicana, TX (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $7,124 | 3.25% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $4,551 | 3.25% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $2,821 | 2.75% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $6,060 | 3.50% |
| Mason City, IA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,962 | 3.25% |
| Show Low, AZ (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $5,209 | 3.88% |
| SUMTER, SC (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,074 | 2.25% |
| Marion, NC (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $4,120 | 3.50% |
| JACKSON, TN (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,750 | 3.75% |
| LANCASTER, PA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $5,125 | 4.13% |
| BELLINGHAM, WA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $7,031 | 3.75% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $6,953 | 3.00% |
| Sonora, CA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,368 | 2.88% |
| LINCOLN, NE (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,009 | 3.38% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $6,832 | 3.50% |
| MOBILE, AL (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,593 | 3.13% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,426 | 4.00% |
| Carroll, IA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $3,670 | 3.25% |
Similar Lenders
We use machine learning to identify the top lenders compared against CITY FIRST MORTGAGE SERVICES 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 2021, City First Mortgage Services's most frequently originated type of loan was Conventional, with 1,511 originations. Their 2nd most popular type was FHA, with 420 originations.
Loan Reason
For 2021, City First Mortgage Services's most frequently cited loan purpose was Home Purchase, with 1,217 originations. The 2nd most popular reason was Refi, with 789 originations.
Loan Duration/Length
For 2021, City First Mortgage Services's most frequently cited loan duration was 30 Year, with 1,919 originations. The 2nd most popular length was 15 Year, with 88 originations.
Origination Fees/Closing Costs
City First Mortgage Services's average total fees were $6,552, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 1,030 originations.
Interest Rates
During 2021, City First Mortgage Services's average interest rate for loans was 3.30%, while their most frequently originated rate bucket for loans was 3-4%, with 1,200 originations.
Loan Sizing
2021 saw City First Mortgage Services place emphasis on $200k-400k loans with 1,035 originations, totaling $291,315,000 in origination value.
Applicant Income
City First Mortgage Services lent most frequently to those with incomes in the $50k-75k range, with 559 originations. The second most popular income band? $50k or less, with 420 originations.
Applicant Debt to Income Ratio
City First Mortgage Services lent most frequently to those with DTI ratios of 30-36%, with 353 originations. The next most common DTI ratio? 20-30%, with 314 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications96.75%
City First Mortgage Services has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination73.39%
City First Mortgage Services has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 2,052 | $550,960,000 | $268,499 |
