City Lending Inc.: 2025 mortgage rates, costs & approvals
How City Lending Inc. priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: City Lending Inc. · LEI 549300WHVRE44NRBU558
In 2025, City Lending Inc. originated 570 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 24 states — 677th by volume among the 2,017 lenders profiled here.
On conventional 30-year fixed purchase loans its median rate was 7.50% (all lenders: 6.625%); its median rate spread was 123 basis points above the national median. Median conventional loan costs were $10,930, 96% higher than the national median ($5,570).
It denied 21.9% of completed home-purchase applications (all lenders: 8.5%).
How City Lending Inc. priced home-purchase loans
| Purchase loans, 2025 | City Lending Inc. | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 7.500% | 6.625% |
| 30-year fixed rate · FHA | 6.625% | 6.250% |
| 30-year fixed rate · VA | — | 6.125% |
| 15-year fixed rate · conventional | — | 5.875% |
| Rate spread vs. APOR · conventional | +1.36 pts | +0.13 pts |
| Total loan costs · conventional | $10,930 | $5,570 |
| Total loan costs · FHA | $15,730 | $11,310 |
| Total loan costs · VA | — | $6,490 |
| Origination charges (all types) | $6,610 | $1,860 |
| Borrowers paying discount points | 85.1% | 51.3% |
| Points paid, when paid (% of loan) | 1.38% | 0.87% |
| Borrowers receiving lender credits | 38.9% | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Why City Lending Inc. denied purchase applications
First reason the lender reported for each denied home-purchase application.
Where City Lending Inc. lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| Maryland | 191 | 268 | 22.4% | 7.250% | $9,820 |
| Virginia | 158 | 223 | 23.7% | 7.250% | $11,460 |
| Florida | 84 | 106 | 18.8% | — | — |
| North Carolina | 46 | 65 | 27.0% | 9.000% | $10,520 |
| Texas | 20 | 29 | 25.0% | — | — |
| Oregon | 9 | 13 | — | — | — |
| Arizona | 9 | 12 | — | — | — |
| Tennessee | 8 | 12 | — | — | — |
| Indiana | 7 | 7 | — | — | — |
| South Carolina | 6 | 10 | — | — | — |
| Illinois | 5 | 6 | — | — | — |
| Pennsylvania | 5 | 6 | — | — | — |
| California | 4 | 7 | — | — | — |
| Connecticut | 4 | 4 | — | — | — |
| Michigan | 4 | 4 | — | — | — |
| West Virginia | 2 | 3 | — | — | — |
| District of Columbia | 2 | 2 | — | — | — |
| Delaware | 2 | 2 | — | — | — |
| New Jersey | 1 | 4 | — | — | — |
| Colorado | 1 | 1 | — | — | — |
| Missouri | 1 | 1 | — | — | — |
| Oklahoma | 1 | 1 | — | — | — |
| Washington | 0 | 3 | — | — | — |
| Utah | 0 | 1 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open City Lending Inc.'s page for that state.
Counties where City Lending Inc. is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Manassas Park city, VA | 24 | 3 | 1.2% |
| Winchester city, VA | 24 | 3 | 0.9% |
Check City Lending Inc. yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 549300WHVRE44NRBU558.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from City Lending Inc. with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology