City First Mortgage Services
We analyzed every closed loan from City First Mortgage Services — 1.3k loans across 2k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Mediocre
1/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · Jumbo · USDA
Place
Sound
3/5
Near-National · 23 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Summary
What They Do Well
- Particularly strong in FHA and VA loans
- Nationwide availability with consistent service
Things to Think About
- Pricing may be below industry average
- Higher than average fees ($4,061)
Explore another lender or local market
Report Card
City First Mortgage Services performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
+47.9 bps above market avg
1/5
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
692 loans · 0.42% above market
Sound
Top 60% of lenders
3/5
FHA
356 loans · 0.77% above market
Strong
Top 40% of lenders
4/5
VA
190 loans · 0.14% below market
Strong
Top 40% of lenders
4/5
Jumbo
12 loans · 0.28% above market
Sound
Top 60% of lenders
3/5
USDA
16 loans · 0.28% above market
Sound
Top 60% of lenders
3/5
By Loan Purpose· Transaction purpose mix
Purchase
1,161 loans · 0.49% above market
Strong
Top 40% of lenders
4/5
Refinance
105 loans · 0.35% above market
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
Near-National · 24 markets
Sound
Top 60% of lenders
3/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 692 | 54.7% | +0.424%Above | $4,061Fees | ||||
FHA Loans | 356 | 28.1% | +0.769%Above | $4,405Fees | ||||
VA Loans | 190 | 15.0% | -0.142%Below | $2,730Fees | ||||
Jumbo Loans | — | 12 | 0.9% | +0.275%Above | $3,646Fees | |||
USDA Loans | — | 16 | 1.3% | +0.283%Above | $4,435Fees |
Conventional
OverallAcceptable
ProductSound
PricingMediocre
Pull ThroughSound
Volume692
Mix54.7%
Spread
+0.424%Above
Fees
$4,061Fees
FHA Loans
OverallSound
ProductStrong
PricingMediocre
Pull ThroughStrong
Volume356
Mix28.1%
Spread
+0.769%Above
Fees
$4,405Fees
VA Loans
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume190
Mix15.0%
Spread
-0.142%Below
Fees
$2,730Fees
Jumbo Loans
OverallAcceptable
ProductSound
Pricing—
Pull ThroughAcceptable
Volume12
Mix0.9%
Spread
+0.275%Above
Fees
$3,646Fees
USDA Loans
OverallAcceptable
ProductSound
Pricing—
Pull ThroughAcceptable
Volume16
Mix1.3%
Spread
+0.283%Above
Fees
$4,435Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 1,161 | 91.7% | +0.493%Above | $4,033Fees | ||||
Refinance | 105 | 8.3% | +0.349%Above | $4,312Fees |
Purchase
OverallSound
ProductStrong
PricingMediocre
Pull ThroughSound
Volume1,161
Mix91.7%
Spread
+0.493%Above
Fees
$4,033Fees
Refinance
OverallAcceptable
ProductSound
PricingMediocre
Pull ThroughAcceptable
Volume105
Mix8.3%
Spread
+0.349%Above
Fees
$4,312Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
1,266
Applications
1,834
Volume
$470 million
Pricing & Closing
Avg Rate Spread
+0.479%
vs. market APOR
Avg Net Fees
$4,061
Origination − Credits
Pullthrough Rate
69.0%
Applications → Closed
Typical Borrower
Avg Loan Amount
$371,367
Avg Borrower Income
$140,613
Avg Property Value
$453,144
Geographic Coverage
Geographic Performance
Metro Areas
23
markets with activity
States Served
36
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
36Full-year 2024 · HMDALoans originated
< 2020–5050–100100+None
Northeast2
NJPA
Midwest8
IAILINMIMNMOOHWI
South13
ALARFLGAKYMDMSNCOKSCTNTXVA
West13
AKAZCACOHIIDMTNMNVORUTWAWY
Top Metro Areas by Place Specialization Score
Showing 10 of 23 metro areas
Top States by Place Specialization Score
Showing 10 of 18 states
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.