Purchase Originations
526
Ranked #607 nationally
Median Total Costs
$8,800
+31.7% vs national ($6,680)
↓ $482 vs prior year
Median Rate
6.750%
+4.0% vs national (6.490%)
↑ 0.125% vs prior year
Median Origination
$3,117
Median Lender Credits
$150
Cost Rank (500+ vol.)
#488
among lenders with 500+ originations
Denial Rate
3.7%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 236 | 6.875% | $6,702 | $3,608 |
| fha | 184 | 6.625% | $12,204 | $3,741 |
| va | 100 | 6.625% | $6,727 | $1,206 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Texas | 121 | 6.625% | $11,383 | #258 |
| Florida | 54 | 6.500% | $9,197 | #313 |
| South Carolina | 43 | 6.750% | $6,679 | — |
| Virginia | 43 | 6.750% | $9,087 | — |
| Missouri | 35 | 6.750% | $7,550 | — |
| Arizona | 31 | 6.750% | $10,384 | — |
| Georgia | 25 | 6.625% | $9,866 | — |
| California | 22 | 6.990% | $8,382 | — |
| Alaska | 21 | 6.750% | $6,825 | — |
| Oregon | 15 | 6.625% | $7,990 | — |
| Michigan | 14 | 6.750% | $6,618 | — |
| Kentucky | 12 | 6.750% | $7,935 | — |
| Minnesota | 12 | 6.933% | $7,847 | — |
| Utah | 11 | 6.500% | $9,243 | — |
| Indiana | 10 | 7.125% | $6,071 | — |
| North Carolina | 8 | 6.808% | $4,881 | — |
| New Jersey | 7 | 6.875% | $12,979 | — |
| Ohio | 7 | 6.990% | $5,620 | — |
| Maryland | 5 | 6.500% | $14,169 | — |
| Alabama | 4 | 6.870% | $4,830 | — |
| Idaho | 4 | 6.188% | $20,009 | — |
| Nevada | 4 | 6.625% | $6,952 | — |
| Hawaii | 3 | 6.875% | $7,504 | — |
| Tennessee | 3 | 6.750% | $10,010 | — |
| Iowa | 2 | 6.740% | $8,326 | — |
| Pennsylvania | 2 | 6.375% | $11,140 | — |
| Washington | 2 | 6.812% | $12,965 | — |
| Colorado | 1 | 6.125% | $9,881 | — |
| Louisiana | 1 | 6.500% | $13,907 | — |
| Mississippi | 1 | 7.125% | $5,061 | — |
| New Mexico | 1 | 6.750% | $8,433 | — |
| Oklahoma | 1 | 6.625% | $12,899 | — |
| Wisconsin | 1 | 7.375% | $3,710 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,838 | 6.875% | — | 7 | −$3,962 | |
| 2 | $5,951 | 6.312% | — | 8 | −$2,849 | |
| 3 | $6,272 | 6.875% | — | 6 | −$2,528 | |
| 4 | $6,618 | 7.058% | — | 6 | −$2,182 | |
| 5 | $6,896 | 6.688% | — | 12 | −$1,904 | |
| 6 | $7,000 | 6.990% | — | 17 | −$1,800 | |
| 7 | $7,923 | 6.750% | — | 19 | −$877 | |
| 8 | $7,990 | 6.625% | — | 9 | −$810 | |
| 9 | $9,409 | 6.495% | — | 8 | +$609 | |
| 10 | $9,541 | 5.990% | — | 7 | +$741 | |
| 11 | $9,572 | 6.625% | — | 22 | +$772 | |
| 12 | $9,693 | 6.624% | — | 7 | +$893 | |
| 13 | $10,000 | 6.625% | — | 9 | +$1,200 | |
| 14 | $11,190 | 6.312% | — | 6 | +$2,390 | |
| 15 | $11,744 | 6.625% | — | 29 | +$2,944 | |
| 16 | $11,815 | 6.125% | — | 7 | +$3,015 | |
| 17 | $12,329 | 6.625% | — | 7 | +$3,529 | |
| 18 | $13,615 | 6.750% | — | 7 | +$4,815 | |
| 19 | $14,956 | 6.875% | — | 13 | +$6,156 | |
| 20 | $15,266 | 6.750% | — | 8 | +$6,466 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | City First Mortgage Services, L.L.C. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $310,000 | $335,000 | −$25,000 (−7.5%) |
| Median total closing costs | $8,800 | $7,127 | +$1,673 (+23.5%) |
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.