CityWorth Mortgage
CityWorth Mortgage has 97 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
Mediocre
1/5
vs. all lenders
Pull-through
Acceptable
2/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA
Place
Sound
3/5
Multi-Region · 1 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 ($5,359)
- Pull through efficiency is below industry average
Explore another lender or local market
Report Card
CityWorth Mortgage performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
+21.5 bps above market avg
1/5
Pull Through
Closing strength
Acceptable
Bottom 40% of lenders
2/5
By Loan Product· Specialization by type
Conventional
20 loans · 0.24% above market
Mediocre
Bottom 20% of lenders
1/5
FHA
34 loans · 0.59% above market
Sound
Top 60% of lenders
3/5
VA
40 loans · 0.10% below market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
87 loans · 0.27% above market
Acceptable
Bottom 40% of lenders
2/5
Refinance
10 loans · 0.13% below market
Mediocre
Bottom 20% of lenders
1/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 2 markets
Acceptable
Bottom 40% of lenders
2/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | — | 20 | 20.6% | +0.238%Above | $5,202Fees | |||
FHA Loans | — | 34 | 35.1% | +0.588%Above | $6,373Fees | |||
VA Loans | 40 | 41.2% | -0.097%Below | $4,727Fees |
Conventional
OverallMediocre
ProductMediocre
Pricing—
Pull ThroughAcceptable
Volume20
Mix20.6%
Spread
+0.238%Above
Fees
$5,202Fees
FHA Loans
OverallAcceptable
ProductSound
Pricing—
Pull ThroughAcceptable
Volume34
Mix35.1%
Spread
+0.588%Above
Fees
$6,373Fees
VA Loans
OverallSound
ProductStrong
PricingMediocre
Pull ThroughStrong
Volume40
Mix41.2%
Spread
-0.097%Below
Fees
$4,727Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 87 | 89.7% | +0.267%Above | $5,313Fees | ||||
Refinance | — | 10 | 10.3% | -0.130%Below | $5,661Fees |
Purchase
OverallAcceptable
ProductAcceptable
PricingMediocre
Pull ThroughAcceptable
Volume87
Mix89.7%
Spread
+0.267%Above
Fees
$5,313Fees
Refinance
OverallAcceptable
ProductMediocre
Pricing—
Pull ThroughAcceptable
Volume10
Mix10.3%
Spread
-0.130%Below
Fees
$5,661Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
97
Applications
159
Volume
$34 million
Pricing & Closing
Avg Rate Spread
+0.215%
vs. market APOR
Avg Net Fees
$5,359
Origination − Credits
Pullthrough Rate
61.0%
Applications → Closed
Typical Borrower
Avg Loan Amount
$358,814
Avg Borrower Income
$111,536
Avg Property Value
$385,928
Geographic Coverage
Geographic Performance
Metro Areas
1
markets with activity
States Served
9
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
9Full-year 2024 · HMDALoans originated
< 2020+None
Northeast1
PA
South8
FLGAMDNCSCTNTXVA
Top Metro Areas 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.