Citizens Equity First Mortgage Rates, Fees & Info
Peoria, ILLEI: 549300YD7XJM19TH5O82
Tax ID: 37-6028123
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Mortgage Data
Review & Overview
Citizens Equity First is a smaller mortgage company specializing in Home Purchase loans. Citizens Equity First has a high proportion of conventional loans. Their top markets by origination volume include: Peoria, Bloomington, San Francisco, San Jose, and Springfield among others. We have data for 173 markets. (Some data included below & more in-depth data is available with an active subscription.)Citizens Equity First has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Citizens Equity First is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 6.72% | 4/5/25 |
| 30 Year Conventional Purchase | 6.74% | 4/5/25 |
| 30 Year Conventional Refi | 6.59% | 4/5/25 |
| 30 Year Cash-out Refi | 7.09% | 4/5/25 |
| 30 Year USDA Purchase | 6.72% | 4/5/25 |
| 15 Year Conventional Purchase | 5.89% | 4/5/25 |
| 15 Year Conventional Refi | 6.06% | 4/5/25 |
| 15 Year Cash-out Refi | 6.06% | 4/5/25 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Citizens Equity First Mortgage Calculator
Your Estimates
Estimated Loan Payment: Update the calculator values and click calculate payment!
This is not an official calculator from Citizens Equity First. It uses our SimulatedRate™
technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.
The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
3,063Origination Dollar Volume (All Markets)
$471,025,000Awards
CITIZENS EQUITY FIRST - 2024
CITIZENS EQUITY FIRST is a 2024 , due to their low .
For 2024, less than of lenders were eligible for this award.
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Relative Rate
Citizens Equity First's average 30 year fixed mortgage rate was
6.53%.
The 2024 average 30 year fixed rate mortgage across all markets and lenders was 6.55%.
This yields a difference of -0.02%.
Relative Fees (Closing Costs)
Citizens Equity First's average total fees/closing costs for a 30 year fixed rate
mortgage were $1,690.
The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including
both points & up-front fees in addition to origination fees) were $8,356.
Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| PEORIA, IL (FHA|USDA|VA) | 1,665 | $206,855,000 | $124,237 | $1,446 | 7.58% |
| BLOOMINGTON, IL (FHA|USDA|VA) | 268 | $35,480,000 | $132,388 | $1,550 | 7.67% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 33 | $27,105,000 | $821,364 | $3,506 | 7.32% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 76 | $23,220,000 | $305,526 | $3,276 | 8.06% |
| SPRINGFIELD, IL (FHA|USDA|VA) | 211 | $21,775,000 | $103,199 | $1,475 | 7.78% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 70 | $9,720,000 | $138,857 | $2,087 | 7.79% |
| Outside of Metro Areas | 84 | $9,610,000 | $114,405 | $1,886 | 7.41% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 14 | $9,350,000 | $667,857 | $3,184 | 6.39% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 37 | $9,205,000 | $248,784 | $3,385 | 7.29% |
| Lincoln, IL (FHA|USDA|VA) | 89 | $7,365,000 | $82,753 | $1,279 | 7.82% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 24 | $6,470,000 | $269,583 | $2,658 | 7.77% |
| DECATUR, IL (FHA|USDA|VA) | 77 | $6,035,000 | $78,377 | $1,658 | 7.75% |
| CHAMPAIGN-URBANA, IL (FHA|USDA|VA) | 24 | $5,770,000 | $240,417 | $1,675 | 6.93% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 13 | $4,665,000 | $358,846 | $3,125 | 6.85% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 9 | $3,225,000 | $358,333 | $2,022 | 6.32% |
| LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) | 12 | $3,140,000 | $261,667 | $1,690 | 7.25% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 13 | $3,125,000 | $240,385 | $1,662 | 7.41% |
| TUCSON, AZ (FHA|USDA|VA) | 6 | $2,930,000 | $488,333 | $3,182 | 7.00% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 7 | $2,595,000 | $370,714 | $1,115 | 7.89% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 11 | $2,515,000 | $228,636 | $1,517 | 6.99% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 11 | $2,455,000 | $223,182 | $3,105 | 8.06% |
| Galesburg, IL (FHA|USDA|VA) | 21 | $2,435,000 | $115,952 | $1,423 | 7.49% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 6 | $2,340,000 | $390,000 | $5,617 | 6.48% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 10 | $2,260,000 | $226,000 | $615 | 7.54% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 4 | $2,060,000 | $515,000 | $4,667 | 6.34% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 4 | $2,020,000 | $505,000 | $1,499 | 6.00% |
| Taylorville, IL (FHA|USDA|VA) | 18 | $1,980,000 | $110,000 | $1,517 | 7.42% |
| STOCKTON, CA (FHA|USDA|VA) | 4 | $1,860,000 | $465,000 | $2,102 | 7.09% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 2 | $1,700,000 | $850,000 | $9,598 | 6.44% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 1 | $1,465,000 | $1,465,000 | $5,161 | 6.50% |
| Jackson, WY-ID (FHA|USDA|VA) | 1 | $1,445,000 | $1,445,000 | $0 | 6.25% |
| Sikeston, MO (FHA|USDA|VA) | 1 | $1,375,000 | $1,375,000 | $0 | 6.50% |
| Ottawa, IL (FHA|USDA|VA) | 10 | $1,220,000 | $122,000 | $1,354 | 7.46% |
| MODESTO, CA (FHA|USDA|VA) | 5 | $1,175,000 | $235,000 | $3,392 | 7.78% |
| COLUMBIA, SC (FHA|USDA|VA) | 3 | $1,025,000 | $341,667 | $3,337 | 6.46% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 5 | $1,015,000 | $203,000 | $2,236 | 7.10% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 4 | $920,000 | $230,000 | $0 | 8.00% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 1 | $915,000 | $915,000 | $1,563 | 6.38% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 3 | $875,000 | $291,667 | $1,588 | 7.04% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 3 | $865,000 | $288,333 | $3,127 | 6.58% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 4 | $850,000 | $212,500 | $3,894 | 7.25% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 2 | $820,000 | $410,000 | $3,527 | 6.50% |
| RICHMOND, VA (FHA|USDA|VA) | 2 | $800,000 | $400,000 | $0 | 7.06% |
| Pontiac, IL (FHA|USDA|VA) | 11 | $795,000 | $72,273 | $2,079 | 7.61% |
| Edwards, CO (FHA|USDA|VA) | 2 | $760,000 | $380,000 | $0 | 7.66% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 4 | $750,000 | $187,500 | $3,307 | 7.66% |
| Corinth, MS (FHA|USDA|VA) | 2 | $740,000 | $370,000 | $2,652 | 6.75% |
| MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) | 1 | $725,000 | $725,000 | $2,914 | 6.25% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 2 | $690,000 | $345,000 | $3,367 | 7.44% |
| DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) | 6 | $680,000 | $113,333 | $1,361 | 7.31% |
| Sevierville, TN (FHA|USDA|VA) | 2 | $660,000 | $330,000 | $4,228 | 7.63% |
| Holland, MI (FHA|USDA|VA) | 1 | $655,000 | $655,000 | $5,215 | 6.38% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 3 | $635,000 | $211,667 | $0 | 6.75% |
| PANAMA CITY, FL (FHA|USDA|VA) | 2 | $630,000 | $315,000 | $3,252 | 7.75% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $5,704 | 7.81% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 2 | $590,000 | $295,000 | $2,938 | 6.19% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $2,492 | 7.06% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $3,447 | 7.38% |
| DULUTH, MN-WI (FHA|USDA|VA) | 1 | $525,000 | $525,000 | $4,092 | 6.13% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $0 | 8.50% |
| Glenwood Springs, CO (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $0 | 8.75% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $0 | 6.63% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $0 | 8.50% |
| ASHEVILLE, NC (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $0 | 6.50% |
| GAINESVILLE, FL (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $2,975 | 6.19% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $0 | 7.88% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $0 | 7.38% |
| Charleston-Mattoon, IL (FHA|USDA|VA) | 3 | $435,000 | $145,000 | $1,420 | 7.79% |
| Gillette, WY (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $837 | 6.50% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $2,720 | 6.75% |
| MERCED, CA (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $3,578 | 6.00% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $3,036 | 7.81% |
| WILMINGTON, NC (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $1,980 | 6.50% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $2,637 | 6.63% |
| KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $0 | 8.50% |
| Marinette, WI-MI (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $549 | 6.00% |
| New Castle, IN (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $350 | 5.63% |
| Red Wing, MN (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $1,728 | 6.38% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 3 | $395,000 | $131,667 | $1,007 | 7.79% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $2,037 | 5.88% |
| Morehead City, NC (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $2,566 | 6.50% |
| JACKSON, MS (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $3,200 | 6.50% |
| SUMTER, SC (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $0 | 7.75% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $0 | 5.88% |
| LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $3,635 | 6.00% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 3 | $355,000 | $118,333 | $3,320 | 8.04% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $3,061 | 6.50% |
| Dixon, IL (FHA|USDA|VA) | 3 | $355,000 | $118,333 | $1,840 | 6.63% |
| SAVANNAH, GA (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $3,514 | 7.69% |
| Macomb, IL (FHA|USDA|VA) | 4 | $340,000 | $85,000 | $2,134 | 8.00% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $2,652 | 6.50% |
| THE VILLAGES, FL (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $3,737 | 6.44% |
| Jacksonville, IL (FHA|USDA|VA) | 6 | $310,000 | $51,667 | $1,257 | 8.15% |
| LAKE CHARLES, LA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $4,519 | 6.38% |
| Cullowhee, NC (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $3,896 | 6.38% |
| Frankfort, IN (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $498 | 6.38% |
| PITTSFIELD, MA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $4,234 | 5.88% |
| Hannibal, MO (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $1,209 | 6.25% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $2,129 | 8.06% |
| NILES, MI (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $2,757 | 6.75% |
| Albertville, AL (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $0 | 7.69% |
| Brainerd, MN (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 8.50% |
| Winfield, KS (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $2,588 | 6.00% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 8.50% |
| Sturgis, MI (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $2,955 | 5.88% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 9.25% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $2,321 | 7.13% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 6.00% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 8.00% |
| West Plains, MO (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 6.88% |
| St. Marys, GA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,082 | 6.50% |
| Richmond-Berea, KY (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $1,524 | 6.38% |
| Tupelo, MS (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $110 | 7.25% |
| Martin, TN (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,233 | 6.50% |
| Alexander City, AL (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $2,965 | 6.38% |
| Crawfordsville, IN (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $1,076 | 5.88% |
| Moberly, MO (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $1,776 | 6.88% |
| Nogales, AZ (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,405 | 6.63% |
| Pella, IA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $2,126 | 6.00% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 8.50% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,480 | 5.38% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $0 | 8.88% |
| Ogdensburg-Massena, NY (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $1,526 | 5.88% |
| Fremont, OH (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $1,741 | 6.88% |
| Pahrump, NV (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,594 | 5.88% |
| APPLETON, WI (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 9.50% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $5,033 | 6.50% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 3 | $175,000 | $58,333 | $0 | 8.58% |
| CARBONDALE-MARION, IL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,298 | 6.00% |
| ROCKFORD, IL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,720 | 6.00% |
| MONROE, MI (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,645 | 7.00% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $1,937 | 6.63% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,301 | 6.75% |
| Centralia, IL (FHA|USDA|VA) | 3 | $165,000 | $55,000 | $1,276 | 7.79% |
| COLUMBUS, OH (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 8.50% |
| RENO, NV (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 8.00% |
| SIOUX FALLS, SD (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 8.75% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 8.50% |
| KOKOMO, IN (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 5.88% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 9.25% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 2 | $140,000 | $70,000 | $0 | 7.88% |
| Bluefield, WV-VA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 8.50% |
| Moultrie, GA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,874 | 5.88% |
| LUBBOCK, TX (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $1,362 | 7.50% |
| ANN ARBOR, MI (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 8.00% |
| Mount Vernon, IL (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $967 | 6.88% |
| Fairmont, WV (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,793 | 7.00% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 2 | $110,000 | $55,000 | $0 | 8.75% |
| Fort Madison-Keokuk, IA-IL-MO (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,039 | 7.00% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 8.75% |
| ROANOKE, VA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 8.50% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 8.50% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 2 | $90,000 | $45,000 | $0 | 8.25% |
| TOPEKA, KS (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 8.50% |
| Logansport, IN (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 8.75% |
| Sonora, CA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $3,710 | 6.13% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 8.50% |
| CHARLESTON, WV (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 8.75% |
| KANKAKEE, IL (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 8.50% |
| JOPLIN, MO (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 8.75% |
| DANVILLE, IL (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 8.00% |
| KNOXVILLE, TN (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 8.50% |
| LAWTON, OK (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 8.50% |
| Freeport, IL (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 8.00% |
| Great Bend, KS (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 8.75% |
| Shelbyville, TN (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 8.50% |
| VISALIA, CA (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 9.50% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 8.50% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 8.75% |
| Cornelia, GA (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 8.75% |
| PITTSBURGH, PA (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 9.25% |
| MISSOULA, MT (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 8.00% |
| MADISON, WI (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 8.50% |
Similar Lenders
We use machine learning to identify the top lenders compared against CITIZENS EQUITY FIRST based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 1,544 | $350,880,000 | $227,254 | $1,703 | 6.47% |
| HELOC | 1,519 | $120,145,000 | $79,095 | n/a | 8.70% |
For 2024, Citizens Equity First's most frequently originated type of loan was Conventional, with 1,544 originations. Their 2nd most popular type was HELOC, with 1,519 originations.
Loan Reason
For 2024, Citizens Equity First's most frequently cited loan purpose was Home Purchase, with 1,372 originations. The 2nd most popular reason was Home Improvement, with 656 originations.
Loan Duration/Length
For 2024, Citizens Equity First's most frequently cited loan duration was Other, with 1,517 originations. The 2nd most popular length was 30 Year, with 1,214 originations.
Origination Fees/Closing Costs
Citizens Equity First's average total fees were $1,690, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,387 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| Over 8% | 1,248 | $97,080,000 | $77,788 |
| 6-7% | 1,108 | $244,970,000 | $221,092 |
| 7-8% | 376 | $40,800,000 | $108,511 |
| 5-6% | 330 | $88,090,000 | $266,939 |
| 3-4% | 1 | $85,000 | $85,000 |
During 2024, Citizens Equity First's average interest rate for loans was 6.53%, while their most frequently originated rate bucket for loans was Over 8%, with 1,248 originations.
Loan Sizing
2024 saw Citizens Equity First place emphasis on $100,000 or less loans with 1,560 originations, totaling $81,320,000 in origination value.
Applicant Income
Citizens Equity First lent most frequently to those with incomes in the $100k-150k range, with 762 originations. The second most popular income band? $150k-250k, with 584 originations.
Applicant Debt to Income Ratio
Citizens Equity First lent most frequently to those with DTI ratios of 20-30%, with 865 originations. The next most common DTI ratio? 30-36%, with 692 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications87.27%
Citizens Equity First has an average approval rate.
Pick Rate
Approvals leading to origination64.28%
Citizens Equity First has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 3,063 | $471,025,000 | $153,779 |