Applications / Mortgage Analytics / Lenders / Virginia / CityWorth Mortgage
Fairfax, VA · Non-bank lender · CFPB · 80 loans in 2025
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80
loans originated, 2025
107
applications, 2025
9
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
CityWorth Mortgage, a Virginia non-bank, makes mostly government-backed home-purchase loans, and its volume has shrunk from 1,504 loans in 2018 to 80 in 2025.
Only 27.5% of its loans were conventional, against 85.1% at similar lenders, non-banks making between half and twice as many loans; none of the 11 had a lower share. Loans insured by the Federal Housing Administration (FHA) made up 42.5%, against 14.0%. Loans guaranteed by the Department of Veterans Affairs (VA) made up 27.5%, where the typical similar lender made none. Purchases were 92.5% of its lending.
It made 1,504 loans in 2018, 706 in 2021 and 279 in 2022, and has made about a hundred or fewer a year since. Last year its loans fell 20%, from 100 to 80, a little faster than the 14% fall at similar lenders, while the whole market grew 10%.
None of its loans was higher-priced, meaning a rate well above the average for similar loans, against 2.5% at similar lenders. Its typical rate, 6.44%, was lower than their 6.62%.
Majority-minority neighborhoods took 41.2% of its loans, against 11.2% at similar lenders. Low- and moderate-income neighborhoods took 25.6%, a higher share than at nine in ten of them. It lends in 9 states, with Virginia and the Washington area at its center.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. CityWorth Mortgage took 107 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 92.5% · Refinance 7.5%
FHA 42.5% · Conventional 27.5% · VA 27.5% · USDA (RHS or FSA) 2.5% · of 80 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Virginia | 15 | 18.8% |
| North Carolina | 14 | 17.5% |
| Georgia | 11 | 13.8% |
| Maryland | 11 | 13.8% |
| Pennsylvania | 10 | 12.5% |
| Texas | 9 | 11.2% |
| Florida | 6 | 7.5% |
| South Carolina | 3 | 3.8% |
| District of Columbia | 1 | 1.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Arlington-Alexandria-Reston | 6 |
| Washington | 5 |
| Atlanta-Sandy Springs-Roswell | 4 |
| Baltimore-Columbia-Towson | 4 |
| Raleigh-Cary | 4 |
| Virginia Beach-Chesapeake-Norfolk | 4 |
| Dallas-Plano-Irving | 3 |
| Houston-Pasadena-The Woodlands | 3 |
| Montgomery County-Bucks County-Chester County | 3 |
| Columbia | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300FCPKXI75DX5M03 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 4741570 | 2014–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7455349650 |
Established 23 May 2012. Reported under HMDA 2013-2025.
Mergers, name changes, data editions and corrections: CityWorth Mortgage's data.
CityWorth Mortgage's data
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