Citizens Equity First Mortgage Rates, Fees & Info

Peoria, IL

LEI: 549300YD7XJM19TH5O82

Tax ID: 37-6028123

5 stars - Updated: 5/26/24 - out of 5 stars, based on 53 reviews

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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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.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
Home Equity Line of Credit (HELOC) 6.27% 5/26/24
30 Year Conventional Purchase 6.41% 5/26/24
30 Year Conventional Refi 6.29% 5/26/24
30 Year Cash-out Refi 6.35% 5/26/24
30 Year USDA Purchase 7.12% 5/26/24
15 Year Conventional Purchase 5.69% 5/26/24
15 Year Conventional Refi 5.81% 5/26/24
15 Year Cash-out Refi 5.81% 5/26/24
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

2,846

Origination Dollar Volume (All Markets)

$383,280,000
Show all (13) awards

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%
Citizens Equity First's top markets include Peoria, Bloomington, Springfield, San Jose, and San Francisco among others.

Their top states include:
  • Illinois (FHA|USDA|VA)
  • California (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Tennessee (FHA|USDA|VA)
  • 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.

    First Savings Bank of Hegewisch
    Similarity Rank: 46
    Petefish, Skiles & Co.
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    Marine Bank
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    HEARTLAND
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    First Farmers and Merchants Bank
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    IAA Credit Union
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    Prairie State Bank and Trust
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    AMOCO
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    Bank of Pontiac
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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

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 1,169 $254,135,000 $217,395 $1,651 6.40%
    Home Improvement 697 $45,045,000 $64,627 $0 7.84%
    Other 550 $35,820,000 $65,127 $0 8.11%
    Refi 319 $34,395,000 $107,821 $2,083 7.42%
    Cash Out Refi 111 $13,885,000 $125,090 $2,073 6.47%

    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

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 1,587 $112,135,000 $70,658 $0 7.91%
    30 Year 983 $226,995,000 $230,921 $1,691 6.40%
    15 Year 197 $31,305,000 $158,909 $1,767 5.84%
    20 Year 37 $4,045,000 $109,324 $1,588 6.28%
    10 Year 34 $8,100,000 $238,235 $1,695 6.11%
    5 Year 7 $545,000 $77,857 $0 6.55%
    3 Year 1 $155,000 $155,000 $0 9.25%

    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

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 1,133 $244,045,000 $215,397
    $1k-2k 30 $8,590,000 $286,333
    $2k-3k 6 $750,000 $125,000
    $3k-4k 6 $1,620,000 $270,000
    $5k+ 5 $2,725,000 $545,000
    $4k-5k 2 $460,000 $230,000

    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

    Loan Rate Originations Total Value Average Loan
    6-7% 1,097 $163,695,000 $149,221
    7-8% 703 $71,345,000 $101,486
    Over 8% 560 $38,410,000 $68,589
    5-6% 450 $101,720,000 $226,044
    4-5% 35 $8,015,000 $229,000
    <2.5% 1 $95,000 $95,000

    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

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 1,622 $81,510,000 $50,253 $1,354 7.57%
    $100k-200k 629 $86,965,000 $138,259 $1,426 6.93%
    $200k-400k 437 $119,755,000 $274,039 $1,804 6.53%
    $400k-600k 112 $53,080,000 $473,929 $2,781 6.33%
    $600k-1MM 29 $21,165,000 $729,828 $3,445 6.03%
    $1MM+ 17 $20,805,000 $1,223,824 $3,451 6.39%

    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

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 729 $94,295,000 $129,348 $1,728 7.31%
    $150k-250k 542 $106,330,000 $196,181 $2,188 7.16%
    $50k-75k 529 $42,555,000 $80,444 $1,375 7.17%
    $75k-100k 498 $48,760,000 $97,912 $1,510 7.29%
    $50k or less 350 $21,590,000 $61,686 $1,106 7.13%
    $250k+ 170 $63,840,000 $375,529 $2,901 6.95%

    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

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 807 $103,055,000 $127,701 $1,505 7.12%
    30-36% 616 $83,260,000 $135,162 $1,808 7.35%
    <20% 345 $34,525,000 $100,072 $1,528 7.11%
    36% 119 $14,825,000 $124,580 $1,942 7.28%
    39% 113 $14,185,000 $125,531 $1,508 7.58%
    38% 110 $13,670,000 $124,273 $1,850 7.19%
    42% 108 $15,030,000 $139,167 $2,038 7.34%
    40% 107 $12,195,000 $113,972 $1,526 7.26%
    37% 105 $14,585,000 $138,905 $1,561 7.36%
    41% 94 $17,720,000 $188,511 $1,899 7.22%
    43% 70 $9,980,000 $142,571 $1,649 7.32%
    45% 58 $12,890,000 $222,241 $1,980 7.02%
    44% 55 $11,185,000 $203,364 $1,970 6.90%
    46% 34 $7,750,000 $227,941 $1,663 6.43%
    >60% 29 $2,965,000 $102,241 $1,781 6.98%
    47% 25 $4,975,000 $199,000 $2,094 6.86%
    50-60% 18 $1,710,000 $95,000 $1,210 6.89%
    48% 15 $2,615,000 $174,333 $2,011 6.45%
    49% 15 $4,675,000 $311,667 $3,278 6.34%

    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

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 2,278 $266,150,000 $116,835 $1,670 7.29%
    Not provided 300 $63,350,000 $211,167 $1,874 6.79%
    Asian 102 $34,010,000 $333,431 $1,942 6.38%
    Black 104 $9,470,000 $91,058 $1,251 7.48%
    Not applicable 24 $5,680,000 $236,667 $0 6.14%
    American Indian 28 $2,730,000 $97,500 $1,576 7.02%
    Asian Indian 5 $1,455,000 $291,000 $813 7.30%
    Native Hawaiian or Islander 4 $280,000 $70,000 $598 6.53%
    Filipino 1 $155,000 $155,000 $0 6.50%

    Approval Rates

    Total approvals of all applications
    87.79%

    Citizens Equity First has an average approval rate.

    Pick Rate

    Approvals leading to origination
    59.31%

    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

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    2,846 $383,280,000 $134,673

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 716 $56,220,000 $78,520 $2,073 7.81%
    40-60% 321 $41,405,000 $128,988 $1,914 7.27%
    60-80% 544 $113,520,000 $208,676 $1,865 6.48%
    80-100% 634 $137,670,000 $217,145 $1,508 6.50%
    Over 100% 5 $565,000 $113,000 $1,304 6.73%
    Under 20% 626 $33,900,000 $54,153 $1,866 7.81%