City 1st Mortgage Services, Lc Mortgage Lending & HMDA Data, 2025
In 2025, City 1st Mortgage Services, Lc of Bountiful, UT reported 1,114 mortgage applications totaling $366.3 million, down 45% from 2024. The average application was for $328,833, and applicants reported an average income of $137,982. 63% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Houston-The Woodlands-Sugar Land, TX (117), Virginia Beach-Norfolk-Newport News, VA-NC (67) and St. Louis, MO-IL (48) (applications in parentheses).
| Mortgage Company & Address | City 1st Mortgage Services, Lc 750 S. Main Suite 104 Bountiful, UT 84010 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,114 |
| Total Mortgage Loan Application Amount | $366,320,000 |
| Average Mortgage Loan Application Amount | $328,833 |
| Highest Mortgage Loan Application Amount | $1,795,000 |
| Average Applicant Income | $137,982 |
| Highest Applicant Income | $2,579,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records City 1st Mortgage Services, Lc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Outside any metro area | 124 | $ 33,410,000 | $ 269,435 | $ 101,604 |
| Houston-The Woodlands-Sugar Land, TX | 117 | $ 38,425,000 | $ 328,418 | $ 152,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 67 | $ 21,365,000 | $ 318,880 | $ 112,611 |
| St. Louis, MO-IL | 48 | $ 12,690,000 | $ 264,375 | $ 106,000 |
| Phoenix-Mesa-Scottsdale, AZ | 43 | $ 16,725,000 | $ 388,953 | $ 131,000 |
| Atlanta-Sandy Springs-Roswell, GA | 30 | $ 10,100,000 | $ 336,666 | $ 139,000 |
| Austin-Round Rock, TX | 28 | $ 8,990,000 | $ 321,071 | $ 131,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 28 | $ 8,150,000 | $ 291,071 | $ 129,000 |
| Anchorage, AK | 26 | $ 9,250,000 | $ 355,769 | $ 147,000 |
| Cincinnati, OH-KY-IN | 23 | $ 4,195,000 | $ 182,391 | $ 191,000 |
| El Paso, TX | 22 | $ 4,320,000 | $ 196,363 | $ 106,000 |
| Spartanburg, SC | 22 | $ 4,410,000 | $ 200,454 | $ 72,000 |
| Dallas-Plano-Irving, TX | 21 | $ 7,945,000 | $ 378,333 | $ 143,000 |
| McAllen-Edinburg-Mission, TX | 20 | $ 6,020,000 | $ 301,000 | $ 104,000 |
| Charlotte-Concord-Gastonia, NC-SC | 19 | $ 5,475,000 | $ 288,157 | $ 142,631 |
| Charleston-North Charleston, SC | 18 | $ 6,060,000 | $ 336,666 | $ 123,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 18 | $ 6,380,000 | $ 354,444 | $ 127,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 17 | $ 8,445,000 | $ 496,764 | $ 207,000 |
| North Port-Sarasota-Bradenton, FL | 16 | $ 5,500,000 | $ 343,750 | $ 105,000 |
| San Antonio-New Braunfels, TX | 15 | $ 4,465,000 | $ 297,666 | $ 173,000 |
| Camden, NJ | 14 | $ 3,380,000 | $ 241,428 | $ 103,000 |
| St. George, UT | 14 | $ 6,110,000 | $ 436,428 | $ 167,000 |
| Baltimore-Columbia-Towson, MD | 13 | $ 3,245,000 | $ 249,615 | $ 114,000 |
| Greenville-Anderson-Mauldin, SC | 12 | $ 2,170,000 | $ 180,833 | $ 80,000 |
| Lake County-Porter County-Jasper County, IN | 12 | $ 3,220,000 | $ 268,333 | $ 85,000 |
| Lexington-Fayette, KY | 12 | $ 3,390,000 | $ 282,500 | $ 141,000 |
| Urban Honolulu, HI | 12 | $ 8,010,000 | $ 667,500 | $ 206,000 |
| Marietta, GA | 11 | $ 2,745,000 | $ 249,545 | $ 84,000 |
| Tampa, FL | 11 | $ 4,435,000 | $ 403,181 | $ 123,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 10 | $ 3,640,000 | $ 364,000 | $ 112,000 |
| Boise City, ID | 9 | $ 3,115,000 | $ 346,111 | $ 133,000 |
| Fort Worth-Arlington, TX | 8 | $ 3,480,000 | $ 435,000 | $ 309,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 8 | $ 1,680,000 | $ 210,000 | $ 95,000 |
| Crestview-Fort Walton Beach-Destin, FL | 7 | $ 5,185,000 | $ 740,714 | $ 302,000 |
| Las Vegas-Henderson-Paradise, NV | 7 | $ 4,345,000 | $ 620,714 | $ 196,000 |
| Palm Bay-Melbourne-Titusville, FL | 7 | $ 1,615,000 | $ 230,714 | $ 108,000 |
| Raleigh, NC | 7 | $ 3,065,000 | $ 437,857 | $ 192,000 |
| St. Petersburg-Clearwater-Largo, FL | 7 | $ 2,145,000 | $ 306,428 | $ 93,000 |
| Beaumont-Port Arthur, TX | 6 | $ 900,000 | $ 150,000 | $ 123,000 |
| Des Moines-West Des Moines, IA | 5 | $ 1,305,000 | $ 261,000 | $ 159,000 |
| Iowa City, IA | 5 | $ 805,000 | $ 161,000 | $ 995,000 |
| Merced, CA | 5 | $ 1,955,000 | $ 391,000 | $ 136,000 |
| Newark, NJ-PA | 5 | $ 1,965,000 | $ 393,000 | $ 130,000 |
| Ogden-Clearfield, UT | 5 | $ 2,565,000 | $ 513,000 | $ 148,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 5 | $ 2,465,000 | $ 493,000 | $ 173,400 |
| Tucson, AZ | 5 | $ 1,385,000 | $ 277,000 | $ 108,000 |
| Anaheim-Santa Ana-Irvine, CA | 4 | $ 4,130,000 | $ 1,032,500 | $ 245,000 |
| Columbus, OH | 4 | $ 1,650,000 | $ 412,500 | $ 67,000 |
| Huntsville, AL | 4 | $ 1,480,000 | $ 370,000 | $ 257,000 |
| Killeen-Temple, TX | 4 | $ 1,190,000 | $ 297,500 | $ 758,000 |
| New York-Jersey City-White Plains, NY-NJ | 4 | $ 1,380,000 | $ 345,000 | $ 304,000 |
| Philadelphia, PA | 4 | $ 980,000 | $ 245,000 | $ 84,000 |
| Richmond, VA | 4 | $ 1,630,000 | $ 407,500 | $ 125,000 |
| Seattle-Bellevue-Everett, WA | 4 | $ 2,420,000 | $ 605,000 | $ 317,000 |
| South Bend-Mishawaka, IN-MI | 4 | $ 800,000 | $ 200,000 | $ 70,750 |
| Stockton-Lodi, CA | 4 | $ 1,960,000 | $ 490,000 | $ 148,000 |
| Washington-Baltimore-Arlington, DC | 4 | $ 1,410,000 | $ 352,500 | $ 84,000 |
| Birmingham-Hoover, AL | 3 | $ 895,000 | $ 298,333 | $ 100,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 3 | $ 725,000 | $ 241,666 | $ 52,000 |
| Jackson, MS | 3 | $ 265,000 | $ 88,333 | $ 82,000 |
| Kalamazoo-Portage, MI | 3 | $ 555,000 | $ 185,000 | $ 52,000 |
| Macon-Bibb County, GA | 3 | $ 435,000 | $ 145,000 | $ 40,000 |
| Miami-Miami Beach-Kendall, FL | 3 | $ 1,405,000 | $ 468,333 | $ 115,000 |
| Orlando-Kissimmee-Sanford, FL | 3 | $ 545,000 | $ 181,666 | $ 120,000 |
| Punta Gorda, FL | 3 | $ 1,015,000 | $ 338,333 | $ 114,000 |
| Riverside-San Bernardino-Ontario, CA | 3 | $ 1,865,000 | $ 621,666 | $ 195,000 |
| Tacoma-Lakewood, WA | 3 | $ 1,915,000 | $ 638,333 | $ 78,000 |
| Wilmington, NC | 3 | $ 2,175,000 | $ 725,000 | $ 282,000 |
| Arlington-Alexandria-Reston, VA-WV | 2 | $ 1,490,000 | $ 745,000 | $ 297,000 |
| Cape Coral-Fort Myers, FL | 2 | $ 500,000 | $ 250,000 | $ 74,000 |
| Columbia, SC | 2 | $ 390,000 | $ 195,000 | $ 136,000 |
| Corpus Christi, TX | 2 | $ 570,000 | $ 285,000 | $ 144,000 |
| Fayetteville, NC | 2 | $ 740,000 | $ 370,000 | $ 129,000 |
| Flint, MI | 2 | $ 410,000 | $ 205,000 | $ 68,000 |
| Greensboro-High Point, NC | 2 | $ 200,000 | $ 100,000 | $ 56,000 |
| Indianapolis-Carmel-Anderson, IN | 2 | $ 550,000 | $ 275,000 | $ 68,000 |
| Lakeland-Winter Haven, FL | 2 | $ 600,000 | $ 300,000 | $ 82,000 |
| Los Angeles-Long Beach-Glendale, CA | 2 | $ 2,150,000 | $ 1,075,000 | $ 62,000 |
| Memphis, TN-MS-AR | 2 | $ 1,070,000 | $ 535,000 | $ 190,000 |
| Michigan City-La Porte, IN | 2 | $ 620,000 | $ 310,000 | $ 103,000 |
| Oakland-Hayward-Berkeley, CA | 2 | $ 540,000 | $ 270,000 | $ 127,000 |
| Ocala, FL | 2 | $ 550,000 | $ 275,000 | $ 71,000 |
| Provo-Orem, UT | 2 | $ 1,090,000 | $ 545,000 | $ 137,000 |
| Racine, WI | 2 | $ 470,000 | $ 235,000 | $ 101,000 |
| Tulsa, OK | 2 | $ 650,000 | $ 325,000 | $ 150,000 |
| Warren-Troy-Farmington Hills, MI | 2 | $ 520,000 | $ 260,000 | $ 151,000 |
| Washington, DC-MD | 2 | $ 1,030,000 | $ 515,000 | $ 149,000 |
| Abilene, TX | 1 | $ 325,000 | $ 325,000 | $ 160,000 |
| Albuquerque, NM | 1 | $ 305,000 | $ 305,000 | $ 130,000 |
| Ann Arbor, MI | 1 | $ 1,055,000 | $ 1,055,000 | $ 0 |
| Asheville, NC | 1 | $ 715,000 | $ 715,000 | $ 273,000 |
| Bend-Redmond, OR | 1 | $ 575,000 | $ 575,000 | $ 146,000 |
| Billings, MT | 1 | $ 85,000 | $ 85,000 | $ 98,000 |
| Bremerton-Silverdale, WA | 1 | $ 585,000 | $ 585,000 | $ 130,000 |
| Brownsville-Harlingen, TX | 1 | $ 145,000 | $ 145,000 | $ 56,000 |
| Brunswick, GA | 1 | $ 455,000 | $ 455,000 | $ 256,000 |
| Cleveland, OH | 1 | $ 325,000 | $ 325,000 | $ 102,000 |
| Coeur D'Alene, ID | 1 | $ 245,000 | $ 245,000 | $ 236,000 |
| Colorado Springs, CO | 1 | $ 475,000 | $ 475,000 | $ 124,000 |
| Daphne-Fairhope-Foley, AL | 1 | $ 305,000 | $ 305,000 | $ 279,000 |
| Dayton-Springfield-Kettering, OH | 1 | $ 245,000 | $ 245,000 | $ 131,000 |
| Dothan, AL | 1 | $ 165,000 | $ 165,000 | $ 148,000 |
| Duluth, MN-WI | 1 | $ 285,000 | $ 285,000 | $ 101,000 |
| Elizabethtown-Fort Knox, KY | 1 | $ 315,000 | $ 315,000 | $ 278,000 |
| Fargo, ND-MN | 1 | $ 125,000 | $ 125,000 | $ 52,000 |
| Fresno, CA | 1 | $ 525,000 | $ 525,000 | $ 127,000 |
| Gainesville, GA | 1 | $ 245,000 | $ 245,000 | $ 59,000 |
| Hickory-Lenoir-Morganton, NC | 1 | $ 275,000 | $ 275,000 | $ 237,000 |
| Huntington-Ashland, WV-KY-OH | 1 | $ 165,000 | $ 165,000 | $ 42,000 |
| Jacksonville, FL | 1 | $ 175,000 | $ 175,000 | $ 64,000 |
| Kahului-Wailuku-Lahaina, HI | 1 | $ 355,000 | $ 355,000 | $ 315,000 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 205,000 | $ 205,000 | $ 100,000 |
| Knoxville, TN | 1 | $ 355,000 | $ 355,000 | $ 60,000 |
| Lake Havasu City-Kingman, AZ | 1 | $ 325,000 | $ 325,000 | $ 83,000 |
| Lakewood-New Brunswick, NJ | 1 | $ 1,125,000 | $ 1,125,000 | $ 309,000 |
| Las Cruces, NM | 1 | $ 255,000 | $ 255,000 | $ 67,000 |
| Lexington Park, MD | 1 | $ 395,000 | $ 395,000 | $ 121,000 |
| Longview, TX | 1 | $ 185,000 | $ 185,000 | $ 105,000 |
| Midland, TX | 1 | $ 275,000 | $ 275,000 | $ 0 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 255,000 | $ 255,000 | $ 90,000 |
| Mobile, AL | 1 | $ 145,000 | $ 145,000 | $ 36,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 815,000 | $ 815,000 | $ 126,000 |
| New Orleans-Metairie, LA | 1 | $ 225,000 | $ 225,000 | $ 129,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 1 | $ 435,000 | $ 435,000 | $ 110,000 |
| Panama City, FL | 1 | $ 265,000 | $ 265,000 | $ 50,000 |
| Redding, CA | 1 | $ 505,000 | $ 505,000 | $ 224,000 |
| Rochester, MN | 1 | $ 275,000 | $ 275,000 | $ 92,000 |
| Salinas, CA | 1 | $ 355,000 | $ 355,000 | $ 103,000 |
| San Diego-Carlsbad, CA | 1 | $ 935,000 | $ 935,000 | $ 153,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 1 | $ 1,005,000 | $ 1,005,000 | $ 0 |
| Santa Cruz-Watsonville, CA | 1 | $ 835,000 | $ 835,000 | $ 255,000 |
| Santa Fe, NM | 1 | $ 575,000 | $ 575,000 | $ 466,000 |
| Savannah, GA | 1 | $ 385,000 | $ 385,000 | $ 255,000 |
| Sebastian-Vero Beach, FL | 1 | $ 305,000 | $ 305,000 | $ 196,000 |
| Sherman-Denison, TX | 1 | $ 205,000 | $ 205,000 | $ 74,000 |
| Shreveport-Bossier City, LA | 1 | $ 215,000 | $ 215,000 | $ 80,000 |
| Spokane-Spokane Valley, WA | 1 | $ 235,000 | $ 235,000 | $ 53,000 |
| Tallahassee, FL | 1 | $ 205,000 | $ 205,000 | $ 198,000 |
| Vineland-Bridgeton, NJ | 1 | $ 235,000 | $ 235,000 | $ 79,000 |
| Warner Robins, GA | 1 | $ 245,000 | $ 245,000 | $ 101,000 |
| Wheeling, WV-OH | 1 | $ 225,000 | $ 225,000 | $ 71,000 |
| Yuba City, CA | 1 | $ 245,000 | $ 245,000 | $ 69,000 |
Mortgage Loan Application Detail Totals for City 1st Mortgage Services, Lc in 2025
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 877 | $281,045,000 | $320,000 | $1,795,000 | $133,000 | $1,250,000 |
| Refinancing | 122 | $46,380,000 | $380,000 | $1,055,000 | $177,000 | $2,579,000 |
| Cash-out Refinancing | 109 | $35,085,000 | $321,000 | $965,000 | $142,000 | $489,000 |
| Other Purpose | 6 | $3,810,000 | $635,000 | $1,565,000 | $0 | $0 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 595 | $201,265,000 | $338,000 | $1,795,000 | $135,000 | $2,579,000 |
| Hispanic | 176 | $55,480,000 | $315,000 | $1,505,000 | $121,000 | $588,000 |
| Not Provided | 145 | $49,355,000 | $340,000 | $1,125,000 | $148,000 | $2,460,000 |
| Black or African American | 142 | $36,820,000 | $259,000 | $935,000 | $142,000 | $1,250,000 |
| Asian | 46 | $20,350,000 | $442,000 | $1,055,000 | $190,000 | $1,068,000 |
| American Indian or Alaskan Native | 7 | $1,835,000 | $262,000 | $385,000 | $117,000 | $247,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $1,215,000 | $405,000 | $635,000 | $177,000 | $238,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 585 | $188,465,000 | $322,000 | $1,795,000 | $162,000 | $2,579,000 |
| FHA-insured (Federal Housing Administration) | 345 | $101,205,000 | $293,000 | $635,000 | $101,000 | $400,000 |
| VA-guaranteed (Veterans Administration) | 170 | $73,670,000 | $433,000 | $1,055,000 | $134,000 | $1,068,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 14 | $2,980,000 | $212,000 | $295,000 | $71,000 | $110,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 706 | $236,450,000 | $334,000 | $1,795,000 | $138,000 | $2,579,000 |
| Application Withdrawn By Applicant | 340 | $109,000,000 | $320,000 | $1,125,000 | $146,000 | $2,460,000 |
| Application Denied By Financial Institution | 44 | $10,570,000 | $240,000 | $735,000 | $83,000 | $271,000 |
| File Closed For Incompleteness | 16 | $6,170,000 | $385,000 | $815,000 | $112,000 | $286,000 |
| Application Approved But Not Accepted | 8 | $4,130,000 | $516,000 | $955,000 | $138,000 | $322,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 1,070 | $355,750,000 | $332,000 | $1,795,000 | $140,000 | $2,579,000 |
| Collateral | 17 | $3,735,000 | $219,000 | $735,000 | $82,000 | $271,000 |
| Debt-To-Income Ratio | 16 | $4,480,000 | $280,000 | $465,000 | $82,000 | $225,000 |
| Credit History | 5 | $845,000 | $169,000 | $365,000 | $107,000 | $119,000 |
| Employment History | 3 | $805,000 | $268,000 | $405,000 | $64,000 | $65,000 |
| Other | 2 | $500,000 | $250,000 | $485,000 | $84,000 | $94,000 |
| Unverifiable Information | 1 | $205,000 | $205,000 | $205,000 | $55,000 | $55,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into City 1st Mortgage Services, Lc's 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess City 1st Mortgage Services, Lc's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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