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 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. 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: Sacramento, Phoenix, Raleigh, Houston, and Virginia Beach among others. We have data for 159 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 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 | 7.14% | 6/22/25 |
| 30 Year Conventional Refi | 7.05% | 6/22/25 |
| 30 Year Cash-out Refi | 7.41% | 6/22/25 |
| 30 Year FHA Purchase | 7.51% | 6/22/25 |
| 30 Year FHA Refi | 7.30% | 6/22/25 |
| 30 Year VA Purchase | 6.63% | 6/22/25 |
| 30 Year VA Refi | 6.53% | 6/22/25 |
| 30 Year USDA Purchase | 7.00% | 6/22/25 |
| 15 Year Conventional Purchase | 6.25% | 6/22/25 |
| 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. | ||
City First Mortgage Services Mortgage Calculator
Your Estimates
Estimated Loan Payment: Update the calculator values and click calculate payment!
This is not an official calculator from City First Mortgage Services. 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
1,385Origination Dollar Volume (All Markets)
$511,745,000Awards
CITY FIRST MORTGAGE SERVICES - 2024
CITY FIRST MORTGAGE SERVICES is a 2024 , due to their low .
For 2024, 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
6.72%.
The 2024 average 30 year fixed rate mortgage across all markets and lenders was 6.55%.
This yields a difference of 0.17%.
Relative Fees (Closing Costs)
City First Mortgage Services's average total fees/closing costs for a 30 year fixed rate
mortgage were $10,077.
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 |
|---|---|---|---|---|---|
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 129 | $59,465,000 | $460,969 | $8,298 | 6.70% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 122 | $51,080,000 | $418,689 | $12,195 | 6.58% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 83 | $33,815,000 | $407,410 | $8,209 | 6.66% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 100 | $31,300,000 | $313,000 | $11,116 | 6.84% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 76 | $23,550,000 | $309,868 | $9,603 | 6.85% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 56 | $20,440,000 | $365,000 | $12,519 | 6.76% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 50 | $18,130,000 | $362,600 | $12,131 | 6.64% |
| URBAN HONOLULU, HI (FHA|USDA|VA) | 29 | $17,605,000 | $607,069 | $12,232 | 6.64% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 39 | $15,095,000 | $387,051 | $13,029 | 6.73% |
| Outside of Metro Areas | 53 | $14,595,000 | $275,377 | $9,163 | 6.65% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 46 | $14,580,000 | $316,957 | $8,753 | 6.97% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 42 | $13,150,000 | $313,095 | $9,277 | 6.93% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 38 | $9,870,000 | $259,737 | $8,518 | 6.62% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 22 | $8,500,000 | $386,364 | $9,540 | 6.74% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 15 | $7,865,000 | $524,333 | $12,051 | 7.58% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 10 | $7,480,000 | $748,000 | $12,845 | 7.39% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 13 | $6,985,000 | $537,308 | $11,083 | 6.71% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 19 | $5,775,000 | $303,947 | $13,237 | 6.48% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 16 | $5,670,000 | $354,375 | $9,168 | 6.58% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 13 | $5,555,000 | $427,308 | $9,162 | 6.65% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 18 | $5,530,000 | $307,222 | $10,999 | 6.72% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 17 | $4,715,000 | $277,353 | $9,380 | 6.73% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 7 | $4,675,000 | $667,857 | $16,878 | 6.27% |
| STOCKTON, CA (FHA|USDA|VA) | 9 | $4,255,000 | $472,778 | $8,896 | 6.48% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 11 | $3,695,000 | $335,909 | $8,790 | 6.91% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 7 | $3,695,000 | $527,857 | $8,149 | 6.66% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 10 | $3,680,000 | $368,000 | $4,932 | 6.97% |
| ANCHORAGE, AK (FHA|USDA|VA) | 10 | $3,380,000 | $338,000 | $10,544 | 6.39% |
| BOISE CITY, ID (FHA|USDA|VA) | 9 | $3,375,000 | $375,000 | $10,657 | 6.65% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 14 | $3,170,000 | $226,429 | $6,555 | 6.76% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 3 | $3,145,000 | $1,048,333 | $12,842 | 8.91% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 12 | $3,090,000 | $257,500 | $10,561 | 6.68% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 9 | $3,035,000 | $337,222 | $10,412 | 7.15% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 11 | $2,845,000 | $258,636 | $5,871 | 6.68% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 3 | $2,835,000 | $945,000 | $10,109 | 8.12% |
| WILMINGTON, NC (FHA|USDA|VA) | 6 | $2,750,000 | $458,333 | $8,050 | 6.71% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 6 | $2,740,000 | $456,667 | $15,591 | 7.08% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 10 | $2,700,000 | $270,000 | $7,920 | 6.69% |
| GAINESVILLE, GA (FHA|USDA|VA) | 8 | $2,660,000 | $332,500 | $10,355 | 6.87% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 4 | $2,470,000 | $617,500 | $8,943 | 6.19% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 5 | $2,375,000 | $475,000 | $17,819 | 6.23% |
| YUBA CITY, CA (FHA|USDA|VA) | 6 | $2,300,000 | $383,333 | $14,359 | 6.58% |
| SALINAS, CA (FHA|USDA|VA) | 2 | $2,080,000 | $1,040,000 | $6,335 | 6.50% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 7 | $2,065,000 | $295,000 | $8,776 | 6.82% |
| VALLEJO, CA (FHA|USDA|VA) | 5 | $2,045,000 | $409,000 | $9,045 | 6.80% |
| ST. GEORGE, UT (FHA|USDA|VA) | 4 | $1,970,000 | $492,500 | $8,170 | 6.75% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 2 | $1,540,000 | $770,000 | $33,056 | 5.81% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 6 | $1,500,000 | $250,000 | $8,068 | 6.69% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 3 | $1,455,000 | $485,000 | $5,637 | 6.50% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 5 | $1,455,000 | $291,000 | $9,473 | 6.92% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 2 | $1,420,000 | $710,000 | $5,677 | 7.06% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 3 | $1,335,000 | $445,000 | $7,837 | 7.08% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 4 | $1,300,000 | $325,000 | $9,535 | 6.56% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 2 | $1,300,000 | $650,000 | $8,133 | 6.94% |
| ASHEVILLE, NC (FHA|USDA|VA) | 3 | $1,295,000 | $431,667 | $9,708 | 7.04% |
| EL PASO, TX (FHA|USDA|VA) | 6 | $1,250,000 | $208,333 | $7,577 | 6.42% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 3 | $1,105,000 | $368,333 | $5,111 | 7.17% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 4 | $1,070,000 | $267,500 | $8,999 | 6.90% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 3 | $1,055,000 | $351,667 | $12,742 | 6.75% |
| ANN ARBOR, MI (FHA|USDA|VA) | 1 | $1,045,000 | $1,045,000 | $4,405 | 6.75% |
| Ontario, OR-ID (FHA|USDA|VA) | 3 | $965,000 | $321,667 | $10,941 | 6.33% |
| Jefferson, GA (FHA|USDA|VA) | 4 | $940,000 | $235,000 | $10,870 | 7.09% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 3 | $915,000 | $305,000 | $10,821 | 6.66% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 5 | $905,000 | $181,000 | $7,369 | 7.08% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 2 | $900,000 | $450,000 | $15,066 | 6.63% |
| BURLINGTON, NC (FHA|USDA|VA) | 2 | $900,000 | $450,000 | $8,027 | 6.75% |
| KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) | 4 | $890,000 | $222,500 | $8,363 | 6.91% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 2 | $860,000 | $430,000 | $18,049 | 6.25% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 3 | $825,000 | $275,000 | $11,212 | 6.92% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 4 | $810,000 | $202,500 | $5,329 | 6.66% |
| Del Rio, TX (FHA|USDA|VA) | 2 | $810,000 | $405,000 | $11,776 | 6.06% |
| Portsmouth, OH (FHA|USDA|VA) | 2 | $810,000 | $405,000 | $2,573 | 6.75% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 2 | $780,000 | $390,000 | $14,677 | 6.37% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 2 | $760,000 | $380,000 | $2,473 | 6.31% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 2 | $750,000 | $375,000 | $18,432 | 7.00% |
| Payson, AZ (FHA|USDA|VA) | 1 | $745,000 | $745,000 | $0 | 7.63% |
| CHICO, CA (FHA|USDA|VA) | 3 | $735,000 | $245,000 | $7,587 | 6.75% |
| SAVANNAH, GA (FHA|USDA|VA) | 2 | $690,000 | $345,000 | $9,273 | 6.75% |
| MERCED, CA (FHA|USDA|VA) | 2 | $680,000 | $340,000 | $9,564 | 7.18% |
| COLUMBUS, OH (FHA|USDA|VA) | 2 | $670,000 | $335,000 | $8,841 | 6.88% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 2 | $670,000 | $335,000 | $8,195 | 7.13% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 3 | $645,000 | $215,000 | $8,488 | 6.63% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 3 | $595,000 | $198,333 | $5,265 | 6.71% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 1 | $575,000 | $575,000 | $10,490 | 7.00% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $11,609 | 6.19% |
| VISALIA, CA (FHA|USDA|VA) | 1 | $565,000 | $565,000 | $11,432 | 7.00% |
| ROCHESTER, MN (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $9,406 | 6.37% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $3,960 | 6.49% |
| Farmington, MO (FHA|USDA|VA) | 3 | $545,000 | $181,667 | $6,070 | 6.83% |
| Sturgis, MI (FHA|USDA|VA) | 4 | $530,000 | $132,500 | $5,782 | 7.09% |
| Show Low, AZ (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $7,575 | 7.44% |
| Eagle Pass, TX (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $10,410 | 7.25% |
| RENO, NV (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $5,532 | 6.63% |
| Cornelia, GA (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $14,069 | 7.00% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $0 | 6.13% |
| CLEVELAND, TN (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $14,183 | 6.13% |
| SUMTER, SC (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $27,067 | 5.38% |
| KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $4,274 | 6.63% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $7,023 | 6.50% |
| Athens, OH (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $10,890 | 6.75% |
| MIDLAND, TX (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $8,865 | 6.63% |
| ROANOKE, VA (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $0 | 7.42% |
| Morehead City, NC (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $11,246 | 7.00% |
| Columbus, MS (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $4,064 | 6.63% |
| WACO, TX (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $9,282 | 6.50% |
| SALEM, OR (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $20,268 | 6.63% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $8,198 | 5.88% |
| Arcadia, FL (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $12,387 | 7.63% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $11,631 | 7.13% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $4,604 | 7.12% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $10,720 | 6.13% |
| Henderson, NC (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $14,171 | 5.99% |
| ROCKY MOUNT, NC (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $10,227 | 6.63% |
| ST. CLOUD, MN (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $14,263 | 6.63% |
| DULUTH, MN-WI (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $14,399 | 6.75% |
| TUCSON, AZ (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $14,936 | 5.63% |
| Danville, KY (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $0 | 5.75% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $0 | 7.81% |
| Bay City, TX (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $7,111 | 7.63% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $4,507 | 7.63% |
| LaGrange, GA-AL (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $7,613 | 7.38% |
| RICHMOND, VA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $13,065 | 6.63% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $7,746 | 7.69% |
| MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $4,428 | 6.06% |
| Sanford, NC (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $13,852 | 6.63% |
| CEDAR RAPIDS, IA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $2,526 | 7.00% |
| COLUMBIA, SC (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $5,308 | 6.88% |
| Nogales, AZ (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $9,396 | 7.13% |
| REDDING, CA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $9,861 | 6.63% |
| FAIRBANKS, AK (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $4,537 | 6.00% |
| BILLINGS, MT (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $11,790 | 5.50% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $8,853 | 5.88% |
| ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $4,838 | 7.25% |
| BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $10,539 | 6.88% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $7,877 | 6.25% |
| Brainerd, MN (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $8,288 | 7.13% |
| Raymondville, TX (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $9,984 | 5.88% |
| Elko, NV (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $6,337 | 7.99% |
| Enterprise, AL (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $6,985 | 6.75% |
| LUBBOCK, TX (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $10,672 | 6.25% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,081 | 7.99% |
| Toccoa, GA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $9,829 | 7.75% |
| Kerrville, TX (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $8,332 | 7.38% |
| Cedartown, GA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $8,597 | 6.75% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $7,310 | 6.88% |
| JOHNSON CITY, TN (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $4,358 | 6.63% |
| Bardstown, KY (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $9,387 | 7.88% |
| ENID, OK (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,386 | 7.25% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $7,220 | 7.75% |
| Greenwood, SC (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $6,663 | 5.99% |
| BRUNSWICK, GA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $5,862 | 7.13% |
| Marinette, WI-MI (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $5,936 | 6.13% |
| Price, UT (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $6,595 | 7.38% |
| Frankfort, KY (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,617 | 6.38% |
| Poplar Bluff, MO (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $4,044 | 6.75% |
| Sikeston, MO (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $4,649 | 6.75% |
| Mount Sterling, KY (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $4,372 | 6.38% |
| CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $3,450 | 6.25% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 7.35% |
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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 2024, City First Mortgage Services's most frequently originated type of loan was Conventional, with 772 originations. Their 2nd most popular type was FHA, with 377 originations.
Loan Reason
For 2024, City First Mortgage Services's most frequently cited loan purpose was Home Purchase, with 1,243 originations. The 2nd most popular reason was Refi, with 117 originations.
Loan Duration/Length
For 2024, City First Mortgage Services's most frequently cited loan duration was 30 Year, with 1,353 originations. The 2nd most popular length was Other, with 21 originations.
Origination Fees/Closing Costs
City First Mortgage Services's average total fees were $10,077, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 506 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 874 | $320,800,000 | $367,048 |
| 7-8% | 338 | $110,910,000 | $328,136 |
| 5-6% | 150 | $61,640,000 | $410,933 |
| Over 8% | 21 | $17,505,000 | $833,571 |
| 4-5% | 2 | $890,000 | $445,000 |
During 2024, City First Mortgage Services's average interest rate for loans was 6.72%, while their most frequently originated rate bucket for loans was 6-7%, with 874 originations.
Loan Sizing
2024 saw City First Mortgage Services place emphasis on $200k-400k loans with 714 originations, totaling $210,460,000 in origination value.
Applicant Income
City First Mortgage Services lent most frequently to those with incomes in the $100k-150k range, with 370 originations. The second most popular income band? $150k-250k, with 286 originations.
Applicant Debt to Income Ratio
City First Mortgage Services lent most frequently to those with DTI ratios of 50-60%, with 195 originations. The next most common DTI ratio? 30-36%, with 163 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications96.37%
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 origination60.87%
City First Mortgage Services 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 | 1,385 | $511,745,000 | $369,491 |