Citywide Home Loans
Citywide Home Loans has 307 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Acceptable
2/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA
Place
Sound
3/5
Multi-Region · 8 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Summary
Things to Think About
- Pricing may be below industry average
- Higher than average fees ($4,090)
- Pull through efficiency is below industry average
Explore another lender or local market
Report Card
Citywide Home Loans performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+27.1 bps above market avg
2/5
Pull Through
Closing strength
Acceptable
Bottom 40% of lenders
2/5
By Loan Product· Specialization by type
Conventional
199 loans · 0.28% above market
Sound
Top 60% of lenders
3/5
FHA
80 loans · 0.43% above market
Strong
Top 40% of lenders
4/5
VA
21 loans · 0.34% below market
Sound
Top 60% of lenders
3/5
By Loan Purpose· Transaction purpose mix
Purchase
275 loans · 0.29% above market
Sound
Top 60% of lenders
3/5
Refinance
32 loans · 0.15% above market
Acceptable
Bottom 40% of lenders
2/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 9 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 | 199 | 64.8% | +0.276%Above | $3,869Fees | ||||
FHA Loans | 80 | 26.1% | +0.434%Above | $5,253Fees | ||||
VA Loans | — | 21 | 6.8% | -0.341%Below | $3,897Fees |
Conventional
OverallAcceptable
ProductSound
PricingAcceptable
Pull ThroughAcceptable
Volume199
Mix64.8%
Spread
+0.276%Above
Fees
$3,869Fees
FHA Loans
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughSound
Volume80
Mix26.1%
Spread
+0.434%Above
Fees
$5,253Fees
VA Loans
OverallAcceptable
ProductSound
Pricing—
Pull ThroughAcceptable
Volume21
Mix6.8%
Spread
-0.341%Below
Fees
$3,897Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 275 | 89.6% | +0.287%Above | $4,038Fees | ||||
Refinance | 32 | 10.4% | +0.152%Above | $4,466Fees |
Purchase
OverallAcceptable
ProductSound
PricingAcceptable
Pull ThroughAcceptable
Volume275
Mix89.6%
Spread
+0.287%Above
Fees
$4,038Fees
Refinance
OverallAcceptable
ProductAcceptable
PricingAcceptable
Pull ThroughMediocre
Volume32
Mix10.4%
Spread
+0.152%Above
Fees
$4,466Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
307
Applications
528
Volume
$136 million
Pricing & Closing
Avg Rate Spread
+0.271%
vs. market APOR
Avg Net Fees
$4,090
Origination − Credits
Pullthrough Rate
58.1%
Applications → Closed
Typical Borrower
Avg Loan Amount
$445,586
Avg Borrower Income
$152,381
Avg Property Value
$580,570
Geographic Coverage
Geographic Performance
Metro Areas
8
markets with activity
States Served
13
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
13Full-year 2024 · HMDALoans originated
< 2020–5050+None
Midwest1
IL
South4
ALFLLATX
West8
AZCACOIDNVORUTWA
Top Metro Areas by Place Specialization Score
Top States by Place Specialization Score
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.