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, Springfield, San Jose, and San Francisco among others. We have data for 185 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 relatively high 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) | 6.27% | 4/18/24 |
| 30 Year Conventional Purchase | 6.41% | 4/18/24 |
| 30 Year Conventional Refi | 6.29% | 4/18/24 |
| 30 Year Cash-out Refi | 6.35% | 4/18/24 |
| 30 Year USDA Purchase | 7.12% | 4/18/24 |
| 15 Year Conventional Purchase | 5.69% | 4/18/24 |
| 15 Year Conventional Refi | 5.81% | 4/18/24 |
| 15 Year Cash-out Refi | 5.81% | 4/18/24 |
| 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
2,846Origination Dollar Volume (All Markets)
$383,280,000Awards
CITIZENS EQUITY FIRST - 2023
CITIZENS EQUITY FIRST is a 2023 , due to their low .
For 2023, 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
6.4%.
The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.
This yields a difference of -0.08%.
Relative Fees (Closing Costs)
Citizens Equity First's average total fees/closing costs for a 30 year fixed rate
mortgage were $1,691.
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 $9,089.
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) | 1,468 | $158,600,000 | $108,038 | $1,364 | 7.15% |
| BLOOMINGTON, IL (FHA|USDA|VA) | 261 | $31,195,000 | $119,521 | $1,643 | 7.37% |
| SPRINGFIELD, IL (FHA|USDA|VA) | 228 | $20,870,000 | $91,535 | $1,421 | 7.48% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 72 | $19,420,000 | $269,722 | $2,805 | 7.36% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 27 | $14,415,000 | $533,889 | $2,693 | 6.92% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 28 | $11,160,000 | $398,571 | $1,067 | 6.02% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 40 | $7,880,000 | $197,000 | $3,555 | 6.90% |
| Outside of Metro Areas | 73 | $7,085,000 | $97,055 | $2,170 | 7.41% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 61 | $6,495,000 | $106,475 | $1,858 | 7.23% |
| DECATUR, IL (FHA|USDA|VA) | 79 | $6,135,000 | $77,658 | $1,653 | 7.26% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 18 | $5,320,000 | $295,556 | $1,546 | 6.49% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 12 | $5,180,000 | $431,667 | $4,753 | 6.08% |
| Lincoln, IL (FHA|USDA|VA) | 70 | $5,120,000 | $73,143 | $1,554 | 7.62% |
| STOCKTON, CA (FHA|USDA|VA) | 11 | $3,555,000 | $323,182 | $1,499 | 7.25% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 8 | $3,540,000 | $442,500 | $5,339 | 6.47% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 10 | $3,300,000 | $330,000 | $479 | 7.33% |
| TUCSON, AZ (FHA|USDA|VA) | 10 | $2,780,000 | $278,000 | $3,031 | 6.38% |
| LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) | 12 | $2,520,000 | $210,000 | $619 | 7.10% |
| Galesburg, IL (FHA|USDA|VA) | 18 | $2,370,000 | $131,667 | $1,647 | 7.24% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 10 | $2,280,000 | $228,000 | $1,579 | 7.49% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 10 | $2,150,000 | $215,000 | $2,286 | 7.46% |
| CHAMPAIGN-URBANA, IL (FHA|USDA|VA) | 10 | $1,950,000 | $195,000 | $2,053 | 7.09% |
| Edwards, CO (FHA|USDA|VA) | 1 | $1,925,000 | $1,925,000 | $4,048 | 6.13% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 8 | $1,780,000 | $222,500 | $2,730 | 7.84% |
| KNOXVILLE, TN (FHA|USDA|VA) | 4 | $1,740,000 | $435,000 | $4,575 | 7.19% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 7 | $1,555,000 | $222,143 | $3,902 | 6.93% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 4 | $1,470,000 | $367,500 | $0 | 5.31% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 2 | $1,430,000 | $715,000 | $5,381 | 6.56% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 2 | $1,360,000 | $680,000 | $3,743 | 6.94% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 6 | $1,300,000 | $216,667 | $3,842 | 6.15% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 7 | $1,275,000 | $182,143 | $2,067 | 7.07% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 2 | $1,240,000 | $620,000 | $8,822 | 5.63% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 3 | $1,085,000 | $361,667 | $0 | 8.71% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 3 | $975,000 | $325,000 | $1,480 | 6.13% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 6 | $970,000 | $161,667 | $1,834 | 7.54% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 7 | $915,000 | $130,714 | $2,315 | 7.05% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 4 | $910,000 | $227,500 | $2,966 | 7.31% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 4 | $900,000 | $225,000 | $4,438 | 7.12% |
| MERCED, CA (FHA|USDA|VA) | 4 | $900,000 | $225,000 | $4,565 | 8.09% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 4 | $860,000 | $215,000 | $3,855 | 6.47% |
| DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) | 7 | $835,000 | $119,286 | $956 | 7.00% |
| LOUISVILLE, KY (FHA|USDA|VA) | 3 | $795,000 | $265,000 | $2,396 | 5.83% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 2 | $790,000 | $395,000 | $6,986 | 6.19% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 4 | $770,000 | $192,500 | $0 | 8.00% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 3 | $765,000 | $255,000 | $1,829 | 6.50% |
| Pontiac, IL (FHA|USDA|VA) | 11 | $705,000 | $64,091 | $1,904 | 7.30% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 4 | $690,000 | $172,500 | $3,396 | 7.75% |
| COLUMBIA, MO (FHA|USDA|VA) | 1 | $655,000 | $655,000 | $1,834 | 6.88% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 1 | $655,000 | $655,000 | $4,133 | 7.00% |
| COLUMBIA, SC (FHA|USDA|VA) | 4 | $650,000 | $162,500 | $0 | 7.56% |
| Ottawa, IL (FHA|USDA|VA) | 6 | $600,000 | $100,000 | $1,086 | 7.67% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 1 | $585,000 | $585,000 | $3,471 | 7.13% |
| Danville, KY (FHA|USDA|VA) | 1 | $585,000 | $585,000 | $4,759 | 5.63% |
| RICHMOND, VA (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $2,444 | 6.94% |
| Marion, IN (FHA|USDA|VA) | 1 | $575,000 | $575,000 | $1,835 | 6.13% |
| WACO, TX (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $2,947 | 5.81% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $4,533 | 7.25% |
| ASHEVILLE, NC (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $4,426 | 6.94% |
| URBAN HONOLULU, HI (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $4,722 | 5.25% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 5 | $495,000 | $99,000 | $1,860 | 7.28% |
| TOPEKA, KS (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $1,418 | 5.75% |
| Dayton, TN (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $4,221 | 6.38% |
| SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $5,042 | 6.13% |
| FORT SMITH, AR-OK (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $4,400 | 5.63% |
| MONTGOMERY, AL (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $3,198 | 4.75% |
| Jacksonville, IL (FHA|USDA|VA) | 5 | $425,000 | $85,000 | $1,344 | 7.70% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $3,452 | 6.13% |
| MODESTO, CA (FHA|USDA|VA) | 3 | $405,000 | $135,000 | $0 | 7.67% |
| RENO, NV (FHA|USDA|VA) | 3 | $405,000 | $135,000 | $5,188 | 8.46% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $4,980 | 5.38% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $4,651 | 6.00% |
| Rochelle, IL (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $875 | 5.94% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $2,580 | 6.25% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $2,595 | 6.19% |
| LAREDO, TX (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $0 | 6.63% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 3 | $375,000 | $125,000 | $0 | 7.58% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $2,909 | 7.25% |
| WICHITA, KS (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $1,968 | 7.88% |
| Breckenridge, CO (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $0 | 5.58% |
| LONGVIEW, TX (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $4,132 | 6.13% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $4,759 | 5.38% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $2,421 | 6.38% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $1,017 | 6.88% |
| GREELEY, CO (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $2,646 | 5.13% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $4,016 | 6.25% |
| WAUSAU-WESTON, WI (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $2,124 | 7.13% |
| Bardstown, KY (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $0 | 6.50% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $0 | 8.75% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $4,325 | 6.38% |
| Alexandria, MN (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $3,064 | 5.75% |
| FRESNO, CA (FHA|USDA|VA) | 3 | $285,000 | $95,000 | $0 | 8.50% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $1,899 | 7.00% |
| Macomb, IL (FHA|USDA|VA) | 3 | $275,000 | $91,667 | $2,372 | 6.75% |
| COLUMBUS, OH (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $3,314 | 5.88% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $3,091 | 6.25% |
| CARBONDALE-MARION, IL (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $2,293 | 7.75% |
| READING, PA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $3,785 | 7.50% |
| Taylorville, IL (FHA|USDA|VA) | 6 | $260,000 | $43,333 | $623 | 8.06% |
| Corinth, MS (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $2,911 | 7.44% |
| OCALA, FL (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $3,489 | 6.38% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 3 | $255,000 | $85,000 | $0 | 7.42% |
| GRAND FORKS, ND-MN (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,274 | 6.13% |
| Aberdeen, SD (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,365 | 5.75% |
| CASPER, WY (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $0 | 8.75% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $2,605 | 7.13% |
| IOWA CITY, IA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $651 | 5.63% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,159 | 5.75% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $0 | 6.50% |
| JEFFERSON CITY, MO (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $2,405 | 5.88% |
| MIDLAND, TX (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $0 | 6.88% |
| FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $2,015 | 6.38% |
| SIOUX FALLS, SD (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $1,743 | 5.88% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,412 | 6.13% |
| NAPA, CA (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $0 | 6.75% |
| BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $0 | 7.00% |
| Los Alamos, NM (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 8.75% |
| BOISE CITY, ID (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 8.75% |
| TERRE HAUTE, IN (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $700 | 7.88% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $0 | 7.88% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $0 | 6.75% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,225 | 5.38% |
| Coos Bay, OR (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $1,362 | 6.25% |
| Rolla, MO (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $1,609 | 6.13% |
| Mount Vernon, IL (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $1,865 | 5.75% |
| PANAMA CITY, FL (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,307 | 7.25% |
| Muscatine, IA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $450 | 7.25% |
| Georgetown, SC (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,995 | 5.88% |
| Marinette, WI-MI (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 5.63% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 2 | $170,000 | $85,000 | $0 | 7.75% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 2 | $160,000 | $80,000 | $0 | 8.25% |
| Charleston-Mattoon, IL (FHA|USDA|VA) | 2 | $160,000 | $80,000 | $1,329 | 5.94% |
| Hannibal, MO (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $1,429 | 5.75% |
| LAS CRUCES, NM (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 9.00% |
| KANKAKEE, IL (FHA|USDA|VA) | 2 | $140,000 | $70,000 | $0 | 9.88% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 2 | $140,000 | $70,000 | $0 | 7.63% |
| PITTSBURGH, PA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 8.75% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 2 | $130,000 | $65,000 | $2,073 | 6.44% |
| Picayune, MS (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 6.50% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 9.25% |
| GAINESVILLE, FL (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 8.00% |
| Crossville, TN (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,172 | 5.63% |
| FORT COLLINS, CO (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 8.00% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 6.50% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 7.00% |
| Seneca, SC (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 9.50% |
| MADISON, WI (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 8.75% |
| Tupelo, MS (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 6.10% |
| LONGVIEW, WA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 8.75% |
| ROANOKE, VA (FHA|USDA|VA) | 2 | $100,000 | $50,000 | $0 | 8.63% |
| Oskaloosa, IA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 7.50% |
| ROCHESTER, NY (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 8.00% |
| SAGINAW, MI (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 8.00% |
| Sevierville, TN (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 7.25% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 2 | $80,000 | $40,000 | $0 | 7.63% |
| Paducah, KY-IL (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 7.00% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 8.00% |
| MOBILE, AL (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 7.75% |
| Quincy, IL-MO (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $536 | 7.00% |
| Thomaston, GA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 7.00% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 7.50% |
| Farmington, MO (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $2,687 | 6.00% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 8.75% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 9.50% |
| FORT WAYNE, IN (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 8.75% |
| THE VILLAGES, FL (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $3,036 | 6.13% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 7.00% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 8.75% |
| Cookeville, TN (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 9.25% |
| SAVANNAH, GA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 8.75% |
| BATON ROUGE, LA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $1,285 | 7.13% |
| MANHATTAN, KS (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 8.00% |
| MUSKEGON, MI (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 7.00% |
| CHARLESTON, WV (FHA|USDA|VA) | 2 | $50,000 | $25,000 | $0 | 7.38% |
| Gillette, WY (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 7.50% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 6.50% |
| Sterling, IL (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 7.00% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 9.50% |
| VALDOSTA, GA (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $1,139 | 7.50% |
| Dixon, IL (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 9.25% |
| Sidney, OH (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 8.00% |
| JONESBORO, AR (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 8.75% |
| VISALIA, CA (FHA|USDA|VA) | 1 | $15,000 | $15,000 | $0 | 10.00% |
| DOTHAN, AL (FHA|USDA|VA) | 1 | $15,000 | $15,000 | $0 | 8.25% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 1 | $15,000 | $15,000 | $0 | 8.00% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 1 | $15,000 | $15,000 | $0 | 8.75% |
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 |
|---|---|---|---|---|---|
| HELOC | 1,585 | $112,155,000 | $70,760 | n/a | 7.91% |
| Conventional | 1,261 | $271,125,000 | $215,008 | $1,702 | 6.30% |
For 2023, Citizens Equity First's most frequently originated type of loan was HELOC, with 1,585 originations. Their 2nd most popular type was Conventional, with 1,261 originations.
Loan Reason
For 2023, Citizens Equity First's most frequently cited loan purpose was Home Purchase, with 1,169 originations. The 2nd most popular reason was Home Improvement, with 697 originations.
Loan Duration/Length
For 2023, Citizens Equity First's most frequently cited loan duration was Other, with 1,587 originations. The 2nd most popular length was 30 Year, with 983 originations.
Origination Fees/Closing Costs
Citizens Equity First's average total fees were $1,691, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,133 originations.
Interest Rates
During 2023, Citizens Equity First's average interest rate for loans was 6.40%, while their most frequently originated rate bucket for loans was 6-7%, with 1,097 originations.
Loan Sizing
2023 saw Citizens Equity First place emphasis on $100,000 or less loans with 1,622 originations, totaling $81,510,000 in origination value.
Applicant Income
Citizens Equity First lent most frequently to those with incomes in the $100k-150k range, with 729 originations. The second most popular income band? $150k-250k, with 542 originations.
Applicant Debt to Income Ratio
Citizens Equity First lent most frequently to those with DTI ratios of 20-30%, with 807 originations. The next most common DTI ratio? 30-36%, with 616 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications87.79%
Citizens Equity First has an average approval rate.
Pick Rate
Approvals leading to origination59.31%
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 | 2,846 | $383,280,000 | $134,673 |