Citizens Equity First Mortgage Rates, Fees & Info

Peoria, IL

LEI: 549300YD7XJM19TH5O82

Tax ID: 37-6028123

5 stars - out of 5 stars, based on 69 reviews

2020 Data | 2019 Data | 2018 Data


Overview

Citizens Equity First is a smaller mortgage company specializing in Home Purchase, Refi, and Cash Out Refi loans. Citizens Equity First has a high proportion of conventional loans. They have a low ratio of USDA loans. Their top markets include Peoria, Bloomington, San Jose, Springfield, and Oakland among others. They have an above average approval rate for mortages when compared nationally -- and they have a below average pick rate when compared to the same sample of other lendors. Citizens Equity First is typically a low fee lendor.


Originations

4,767

Origination Dollar Volume (All Markets)

$701,235,000
Show all (12) awards

Relative Rate

Citizens Equity First's average 30 year fixed rate mortgage of loans were 3.46%.

The 2020 average 30 year fixed rate mortgage across all markets of loans were 3.36%.

This yields a difference of 0.1%.

Relative Fees

Citizens Equity First's average total fees for a 30 year fixed rate mortgage are $1,930.

The average total origination fees for 30 year fixed rate mortgages (for all loan values, including both points & up-front fees in addition to origination fees) are $5,021.

Top Markets

Market Originations Total Value Average Loan Average Fees Average Rate
PEORIA, IL (FHA|USDA|VA) 2,591 $301,635,000 $116,416 $1,591 3.51%
Outside of Metro Areas 487 $55,205,000 $113,357 $1,891 3.52%
BLOOMINGTON, IL (FHA|USDA|VA) 398 $50,320,000 $126,432 $1,642 3.38%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 122 $50,180,000 $411,311 $3,058 3.43%
SPRINGFIELD, IL (FHA|USDA|VA) 222 $31,710,000 $142,838 $1,571 3.65%
OAKLAND-BERKELEY-LIVERMORE, CA (FHA|USDA|VA) 43 $20,515,000 $477,093 $2,969 3.43%
CHICAGO-NAPERVILLE-EVANSTON, IL (FHA|USDA|VA) 49 $12,275,000 $250,510 $2,972 3.29%
DECATUR, IL (FHA|USDA|VA) 131 $10,915,000 $83,321 $1,449 3.63%
NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) 34 $9,190,000 $270,294 $2,563 3.56%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 29 $6,555,000 $226,034 $3,278 3.68%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 24 $6,530,000 $272,083 $2,601 3.11%
TUCSON, AZ (FHA|USDA|VA) 28 $6,470,000 $231,071 $1,681 3.31%
RALEIGH-CARY, NC (FHA|USDA|VA) 21 $5,745,000 $273,571 $2,801 3.12%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 23 $5,665,000 $246,304 $2,883 3.58%
MIAMI-MIAMI BEACH-KENDALL, FL (FHA|USDA|VA) 13 $4,495,000 $345,769 $4,205 3.28%
ST. LOUIS, MO-IL (FHA|USDA|VA) 30 $4,470,000 $149,000 $1,923 3.43%
LAKE COUNTY-KENOSHA COUNTY, IL-WI (FHA|USDA|VA) 14 $3,750,000 $267,857 $1,551 3.32%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 11 $3,485,000 $316,818 $2,838 3.25%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 12 $3,480,000 $290,000 $3,110 3.10%
ELGIN, IL (FHA|USDA|VA) 18 $3,300,000 $183,333 $2,629 3.18%
CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 25 $3,155,000 $126,200 $1,415 3.64%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 11 $2,885,000 $262,273 $3,809 3.54%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 16 $2,530,000 $158,125 $1,629 3.60%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 9 $2,305,000 $256,111 $3,426 3.35%
ANAHEIM-SANTA ANA-IRVINE, CA (FHA|USDA|VA) 5 $2,035,000 $407,000 $2,823 3.36%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 13 $1,955,000 $150,385 $2,907 3.47%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 5 $1,875,000 $375,000 $2,683 3.40%
SAN FRANCISCO-SAN MATEO-REDWOOD CITY, CA (FHA|USDA|VA) 3 $1,795,000 $598,333 $2,913 3.57%
FORT LAUDERDALE-POMPANO BEACH-SUNRISE, FL (FHA|USDA|VA) 6 $1,630,000 $271,667 $2,940 3.17%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 6 $1,630,000 $271,667 $2,058 2.90%
CAMBRIDGE-NEWTON-FRAMINGHAM, MA (FHA|USDA|VA) 2 $1,580,000 $790,000 $4,864 2.94%
JACKSONVILLE, FL (FHA|USDA|VA) 6 $1,560,000 $260,000 $3,037 3.55%
LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) 9 $1,505,000 $167,222 $2,141 3.24%
COLUMBUS, OH (FHA|USDA|VA) 5 $1,495,000 $299,000 $2,960 3.38%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 9 $1,405,000 $156,111 $2,596 3.26%
JACKSONVILLE, NC (FHA|USDA|VA) 2 $1,400,000 $700,000 $7,899 3.25%
COLORADO SPRINGS, CO (FHA|USDA|VA) 2 $1,370,000 $685,000 $4,647 3.63%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 6 $1,350,000 $225,000 $2,511 3.87%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 11 $1,335,000 $121,364 $2,032 3.17%
KANSAS CITY, MO-KS (FHA|USDA|VA) 5 $1,335,000 $267,000 $1,348 3.20%
RENO, NV (FHA|USDA|VA) 3 $1,315,000 $438,333 $3,596 3.33%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 6 $1,300,000 $216,667 $3,275 3.30%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 7 $1,295,000 $185,000 $2,117 3.56%
DALLAS-PLANO-IRVING, TX (FHA|USDA|VA) 5 $1,285,000 $257,000 $3,282 3.30%
WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV (FHA|USDA|VA) 8 $1,280,000 $160,000 $2,073 3.58%
WEST PALM BEACH-BOCA RATON-BOYNTON BEACH, FL (FHA|USDA|VA) 3 $1,265,000 $421,667 $3,154 3.33%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 6 $1,260,000 $210,000 $1,839 2.79%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 4 $1,250,000 $312,500 $3,862 3.47%
LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 7 $1,245,000 $177,857 $1,652 3.61%
NORTH PORT-SARASOTA-BRADENTON, FL (FHA|USDA|VA) 6 $1,240,000 $206,667 $3,490 3.65%
KNOXVILLE, TN (FHA|USDA|VA) 5 $1,215,000 $243,000 $2,686 3.18%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 1 $1,205,000 $1,205,000 $4,399 3.00%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 5 $1,165,000 $233,000 $1,953 3.26%
BOISE CITY, ID (FHA|USDA|VA) 2 $1,160,000 $580,000 $4,136 3.81%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 3 $1,135,000 $378,333 $3,198 3.58%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 4 $1,110,000 $277,500 $2,422 3.31%
PROVO-OREM, UT (FHA|USDA|VA) 1 $1,055,000 $1,055,000 $5,576 3.13%
VALLEJO, CA (FHA|USDA|VA) 2 $1,050,000 $525,000 $2,699 3.25%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 4 $1,050,000 $262,500 $2,512 3.70%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 6 $1,050,000 $175,000 $2,923 3.08%
THE VILLAGES, FL (FHA|USDA|VA) 4 $1,030,000 $257,500 $3,033 3.16%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 5 $1,005,000 $201,000 $3,025 3.38%
COLUMBIA, SC (FHA|USDA|VA) 5 $975,000 $195,000 $2,286 3.63%
WARREN-TROY-FARMINGTON HILLS, MI (FHA|USDA|VA) 5 $955,000 $191,000 $2,390 3.65%
MODESTO, CA (FHA|USDA|VA) 3 $955,000 $318,333 $3,217 4.05%
SPRINGFIELD, MO (FHA|USDA|VA) 5 $945,000 $189,000 $3,010 3.48%
NEW BRUNSWICK-LAKEWOOD, NJ (FHA|USDA|VA) 3 $925,000 $308,333 $2,923 3.25%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 4 $920,000 $230,000 $2,811 3.00%
STOCKTON, CA (FHA|USDA|VA) 2 $910,000 $455,000 $2,735 3.00%
PUNTA GORDA, FL (FHA|USDA|VA) 7 $855,000 $122,143 $3,213 3.44%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 4 $850,000 $212,500 $2,085 3.61%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 2 $790,000 $395,000 $4,603 3.26%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 3 $765,000 $255,000 $2,468 2.88%
SEATTLE-BELLEVUE-KENT, WA (FHA|USDA|VA) 2 $720,000 $360,000 $2,097 2.69%
GRAND JUNCTION, CO (FHA|USDA|VA) 3 $675,000 $225,000 $2,896 3.92%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 3 $655,000 $218,333 $3,703 3.97%
SAN RAFAEL, CA (FHA|USDA|VA) 1 $655,000 $655,000 $2,954 2.88%
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 3 $615,000 $205,000 $2,420 3.21%
AKRON, OH (FHA|USDA|VA) 4 $610,000 $152,500 $2,811 3.35%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 4 $600,000 $150,000 $2,500 3.57%
ST. GEORGE, UT (FHA|USDA|VA) 2 $600,000 $300,000 $2,678 3.06%
LOS ANGELES-LONG BEACH-GLENDALE, CA (FHA|USDA|VA) 1 $575,000 $575,000 $2,691 2.75%
FORT COLLINS, CO (FHA|USDA|VA) 2 $570,000 $285,000 $2,790 3.25%
CARBONDALE-MARION, IL (FHA|USDA|VA) 4 $560,000 $140,000 $3,740 3.15%
TACOMA-LAKEWOOD, WA (FHA|USDA|VA) 1 $555,000 $555,000 $2,656 3.00%
NEWARK, NJ-PA (FHA|USDA|VA) 2 $540,000 $270,000 $3,890 2.69%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 1 $515,000 $515,000 $4,429 3.50%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 2 $510,000 $255,000 $2,529 4.39%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 3 $505,000 $168,333 $2,761 3.74%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 1 $495,000 $495,000 $2,402 2.88%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 3 $475,000 $158,333 $2,455 2.92%
MORRISTOWN, TN (FHA|USDA|VA) 3 $465,000 $155,000 $2,479 2.83%
FORT WORTH-ARLINGTON-GRAPEVINE, TX (FHA|USDA|VA) 1 $455,000 $455,000 $3,743 2.50%
SHERMAN-DENISON, TX (FHA|USDA|VA) 2 $450,000 $225,000 $2,969 3.13%
WICHITA, KS (FHA|USDA|VA) 2 $450,000 $225,000 $1,592 5.37%
ASHEVILLE, NC (FHA|USDA|VA) 2 $440,000 $220,000 $1,711 3.44%
OWENSBORO, KY (FHA|USDA|VA) 1 $435,000 $435,000 $5,814 2.63%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 2 $420,000 $210,000 $1,226 4.75%
SALT LAKE CITY, UT (FHA|USDA|VA) 1 $415,000 $415,000 $2,680 2.75%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 1 $415,000 $415,000 $2,991 3.50%
STAUNTON, VA (FHA|USDA|VA) 2 $410,000 $205,000 $2,494 3.80%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 1 $405,000 $405,000 $6,336 3.38%
RAPID CITY, SD (FHA|USDA|VA) 1 $405,000 $405,000 $3,296 2.63%
LAS CRUCES, NM (FHA|USDA|VA) 1 $395,000 $395,000 $3,501 4.00%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 2 $380,000 $190,000 $2,884 3.44%
WACO, TX (FHA|USDA|VA) 1 $365,000 $365,000 $4,083 2.63%
GARY, IN (FHA|USDA|VA) 2 $360,000 $180,000 $2,196 4.20%
GREEN BAY, WI (FHA|USDA|VA) 1 $355,000 $355,000 $2,849 3.38%
WILMINGTON, NC (FHA|USDA|VA) 1 $355,000 $355,000 $2,940 2.75%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 1 $345,000 $345,000 $2,894 3.50%
MANCHESTER-NASHUA, NH (FHA|USDA|VA) 1 $345,000 $345,000 $0 3.75%
PANAMA CITY, FL (FHA|USDA|VA) 1 $345,000 $345,000 $3,367 2.63%
KANKAKEE, IL (FHA|USDA|VA) 3 $335,000 $111,667 $2,082 3.97%
MADISON, WI (FHA|USDA|VA) 2 $330,000 $165,000 $4,188 4.14%
GREELEY, CO (FHA|USDA|VA) 1 $325,000 $325,000 $2,860 2.88%
SAVANNAH, GA (FHA|USDA|VA) 3 $325,000 $108,333 $2,993 3.89%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 3 $315,000 $105,000 $2,132 3.68%
FLAGSTAFF, AZ (FHA|USDA|VA) 1 $315,000 $315,000 $1,962 2.75%
DAYTON-KETTERING, OH (FHA|USDA|VA) 1 $315,000 $315,000 $2,358 2.63%
DETROIT-DEARBORN-LIVONIA, MI (FHA|USDA|VA) 2 $310,000 $155,000 $1,395 3.00%
EVANSVILLE, IN-KY (FHA|USDA|VA) 1 $305,000 $305,000 $1,075 3.88%
SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 1 $305,000 $305,000 $0 4.09%
AMES, IA (FHA|USDA|VA) 1 $295,000 $295,000 $4,626 2.75%
OKLAHOMA CITY, OK (FHA|USDA|VA) 1 $285,000 $285,000 $3,054 3.50%
VISALIA, CA (FHA|USDA|VA) 2 $280,000 $140,000 $3,240 3.06%
FAYETTEVILLE, NC (FHA|USDA|VA) 2 $280,000 $140,000 $2,617 2.75%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 2 $280,000 $140,000 $2,617 3.90%
ANCHORAGE, AK (FHA|USDA|VA) 1 $275,000 $275,000 $2,355 2.75%
HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 2 $270,000 $135,000 $2,347 2.63%
BRUNSWICK, GA (FHA|USDA|VA) 1 $265,000 $265,000 $2,834 2.75%
LEBANON, PA (FHA|USDA|VA) 1 $265,000 $265,000 $3,184 2.50%
ROANOKE, VA (FHA|USDA|VA) 2 $260,000 $130,000 $2,345 5.06%
GOLDSBORO, NC (FHA|USDA|VA) 1 $255,000 $255,000 $2,486 3.38%
AUBURN-OPELIKA, AL (FHA|USDA|VA) 1 $255,000 $255,000 $7,671 3.00%
MUSKEGON, MI (FHA|USDA|VA) 1 $255,000 $255,000 $2,074 2.63%
COLUMBIA, MO (FHA|USDA|VA) 2 $250,000 $125,000 $2,183 2.88%
IOWA CITY, IA (FHA|USDA|VA) 2 $240,000 $120,000 $1,779 3.52%
CASPER, WY (FHA|USDA|VA) 2 $240,000 $120,000 $1,338 5.43%
GAINESVILLE, FL (FHA|USDA|VA) 1 $235,000 $235,000 $2,012 3.50%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 2 $230,000 $115,000 $2,524 3.46%
LYNCHBURG, VA (FHA|USDA|VA) 1 $225,000 $225,000 $4,280 3.38%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 1 $215,000 $215,000 $3,161 3.00%
KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 1 $215,000 $215,000 $897 3.38%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 1 $215,000 $215,000 $3,162 2.88%
BURLINGTON, NC (FHA|USDA|VA) 1 $215,000 $215,000 $1,957 3.50%
SHEBOYGAN, WI (FHA|USDA|VA) 1 $215,000 $215,000 $1,777 2.88%
Outside of Metro Areas 1 $205,000 $205,000 $2,993 3.88%
ROCHESTER, MN (FHA|USDA|VA) 1 $205,000 $205,000 $2,541 3.50%
WINSTON-SALEM, NC (FHA|USDA|VA) 1 $205,000 $205,000 $2,151 2.75%
TALLAHASSEE, FL (FHA|USDA|VA) 1 $195,000 $195,000 $3,616 3.50%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 1 $195,000 $195,000 $3,443 3.38%
BELLINGHAM, WA (FHA|USDA|VA) 1 $195,000 $195,000 $2,148 3.50%
PORT ST. LUCIE, FL (FHA|USDA|VA) 1 $195,000 $195,000 $4,120 3.88%
SEBRING-AVON PARK, FL (FHA|USDA|VA) 2 $190,000 $95,000 $2,306 3.06%
YUBA CITY, CA (FHA|USDA|VA) 1 $185,000 $185,000 $2,209 2.75%
JACKSON, TN (FHA|USDA|VA) 1 $185,000 $185,000 $1,947 2.63%
JONESBORO, AR (FHA|USDA|VA) 1 $185,000 $185,000 $1,877 3.00%
FREDERICK-GAITHERSBURG-ROCKVILLE, MD (FHA|USDA|VA) 2 $180,000 $90,000 $1,185 4.87%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 1 $175,000 $175,000 $1,304 3.50%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 1 $165,000 $165,000 $2,192 3.38%
COLUMBUS, IN (FHA|USDA|VA) 1 $155,000 $155,000 $1,762 2.63%
GLENS FALLS, NY (FHA|USDA|VA) 1 $155,000 $155,000 $2,925 2.50%
WORCESTER, MA-CT (FHA|USDA|VA) 1 $155,000 $155,000 $2,147 2.75%
DOTHAN, AL (FHA|USDA|VA) 2 $150,000 $75,000 $1,709 3.50%
RACINE, WI (FHA|USDA|VA) 1 $145,000 $145,000 $1,857 3.38%
MERCED, CA (FHA|USDA|VA) 2 $140,000 $70,000 $0 4.50%
FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) 1 $135,000 $135,000 $1,966 3.50%
CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) 1 $135,000 $135,000 $1,381 3.88%
WARNER ROBINS, GA (FHA|USDA|VA) 1 $125,000 $125,000 $2,328 2.75%
MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 1 $125,000 $125,000 $1,690 2.75%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 1 $105,000 $105,000 $0 4.15%
BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) 1 $105,000 $105,000 $360 3.88%
TOPEKA, KS (FHA|USDA|VA) 1 $105,000 $105,000 $1,496 3.13%
OCALA, FL (FHA|USDA|VA) 1 $75,000 $75,000 $2,497 3.63%
COLUMBUS, GA-AL (FHA|USDA|VA) 1 $75,000 $75,000 $0 4.15%
ST. CLOUD, MN (FHA|USDA|VA) 1 $75,000 $75,000 $0 4.15%
FORT SMITH, AR-OK (FHA|USDA|VA) 1 $75,000 $75,000 $3,308 2.25%
TULSA, OK (FHA|USDA|VA) 1 $75,000 $75,000 $0 4.78%
ROCKFORD, IL (FHA|USDA|VA) 1 $65,000 $65,000 $1,547 2.75%
BATON ROUGE, LA (FHA|USDA|VA) 1 $65,000 $65,000 $2,007 3.00%
JACKSON, MS (FHA|USDA|VA) 1 $65,000 $65,000 $2,138 3.25%
SALISBURY, MD-DE (FHA|USDA|VA) 1 $65,000 $65,000 $0 5.29%
SALINAS, CA (FHA|USDA|VA) 1 $55,000 $55,000 $0 5.99%
MACON-BIBB COUNTY, GA (FHA|USDA|VA) 1 $55,000 $55,000 $0 4.15%
TWIN FALLS, ID (FHA|USDA|VA) 1 $55,000 $55,000 $2,850 2.75%
PITTSBURGH, PA (FHA|USDA|VA) 1 $45,000 $45,000 $0 4.90%
RICHMOND, VA (FHA|USDA|VA) 1 $45,000 $45,000 $0 4.09%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 1 $35,000 $35,000 $0 4.73%
SUMTER, SC (FHA|USDA|VA) 1 $35,000 $35,000 $2,073 3.50%
FRESNO, CA (FHA|USDA|VA) 1 $15,000 $15,000 $0 4.29%

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

Product Mix

Loan Type Originations Total Value Average Loan Average Fees Average Rate
Conventional 4,722 $697,310,000 $147,673 $1,849 3.49%
USDA 45 $3,925,000 $87,222 $1,726 3.08%

For the 2020 period, Citizens Equity First's most frequently originated loan type of loans were Conventional, with 4,722 originations. Their 2nd most popular type is USDA, with 45 originations.

Loan Reason

Loan Reason Originations Total Value Average Loan Average Fees Average Rate
Home Purchase 1,564 $260,050,000 $166,272 $1,670 3.37%
Refi 1,290 $207,250,000 $160,659 $1,928 3.29%
Cash Out Refi 1,028 $188,260,000 $183,132 $2,289 3.07%
Home Improvement 611 $31,165,000 $51,007 $8 4.43%
Other 274 $14,510,000 $52,956 $7 4.60%

For the 2020, Citizens Equity First's most frequently cited loan purpose of loans were Home Purchase, with 1,564 originations. The 2nd most popular reason of loans were Refi, with 1,290 originations.

Loan Duration/Length

Loan Length Originations Total Value Average Loan Average Fees Average Rate
30 Year 1,642 $326,630,000 $198,922 $1,930 3.46%
15 Year 1,556 $245,090,000 $157,513 $1,902 2.86%
Other 1,063 $66,885,000 $62,921 $1,181 4.30%
10 Year 308 $37,020,000 $120,195 $1,335 3.61%
20 Year 84 $12,000,000 $142,857 $1,880 3.60%
5 Year 83 $2,895,000 $34,880 $8 4.78%
30+ year 30 $10,560,000 $352,000 $3,401 3.96%
3 Year 1 $155,000 $155,000 $0 4.00%

For the 2020, Citizens Equity First's most frequently cited loan length of loans were 30 Year, with 1,642 originations. The 2nd most popular length of loans were 15 Year, with 1,556 originations.

Origination Fees

Origination Fee Originations Total Value Average Loan
$<1k 3,327 $561,865,000 $168,880
$1k-2k 159 $21,965,000 $138,145
$2k-3k 56 $13,370,000 $238,750
$3k-4k 25 $7,925,000 $317,000
$5k+ 20 $8,930,000 $446,500

$1,930 of loans were Citizens Equity First's average total fees, while their most frequently occuring range of origination fees were in the $<1k bucket, with 3,327 originations.

Interest Rates

Loan Rate Originations Total Value Average Loan
3-4% 1,765 $313,935,000 $177,867
2.5-3% 1,636 $288,010,000 $176,045
4-5% 1,182 $72,030,000 $60,939
<2.5% 104 $24,530,000 $235,865
5-6% 45 $1,345,000 $29,889
6-7% 24 $810,000 $33,750
7-8% 10 $300,000 $30,000

During 2020, Citizens Equity First's average interest rate of loans were 3.46%, while their most frequently originated rate bucket of loans were 3-4%, with 1,765 originations.

Loan Sizing

Loan Size Originations Total Value Average Loan Average Fees Average Rate
$100,000 or less 2,119 $112,415,000 $53,051 $1,295 3.87%
$100k-200k 1,585 $220,005,000 $138,804 $1,788 3.19%
$200k-400k 808 $215,130,000 $266,250 $2,309 3.19%
$400k-600k 172 $81,970,000 $476,570 $3,170 3.09%
$600k-1MM 73 $53,565,000 $733,767 $3,639 3.25%
$1MM+ 10 $18,150,000 $1,815,000 $5,169 3.18%

2020 saw Citizens Equity First place emphasis on $100,000 or less loans with 2,119 originations, totaling $112,415,000 in origination value.

Applicant Income

Applicant Income Originations Total Value Average Loan Average Fees Average Rate
$50k or less 1,770 $113,480,000 $64,113 $1,072 4.09%
$100k-150k 851 $159,645,000 $187,597 $2,074 3.10%
$50k-75k 671 $74,385,000 $110,857 $1,677 3.25%
$150k-250k 625 $176,205,000 $281,928 $2,322 3.03%
$75k-100k 573 $86,325,000 $150,654 $1,917 3.16%
$250k+ 169 $71,095,000 $420,680 $3,022 2.94%

Citizens Equity First lent most frequently to those with incomes in the $50k or less range, with 1,770 originations. The second most popular income band? $100k-150k, with 851 originations.

Applicant Debt to Income Ratio

DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
20-30% 1,477 $220,235,000 $149,110 $1,791 3.41%
30-36% 916 $132,010,000 $144,116 $1,868 3.56%
<20% 890 $123,570,000 $138,843 $1,713 3.31%
38% 150 $22,920,000 $152,800 $1,870 3.62%
37% 145 $21,945,000 $151,345 $1,836 3.55%
40% 136 $19,540,000 $143,676 $2,026 3.70%
36% 131 $17,195,000 $131,260 $1,805 3.71%
41% 131 $22,225,000 $169,656 $2,158 3.58%
42% 111 $17,525,000 $157,883 $2,006 3.67%
44% 105 $16,685,000 $158,905 $1,965 3.59%
43% 104 $16,250,000 $156,250 $2,056 3.52%
39% 100 $17,350,000 $173,500 $2,078 3.57%
45% 76 $13,940,000 $183,421 $2,368 3.48%
50-60% 74 $7,000,000 $94,595 $1,583 4.09%
46% 58 $9,820,000 $169,310 $2,092 3.54%
>60% 53 $6,665,000 $125,755 $1,323 3.82%
47% 43 $6,415,000 $149,186 $2,217 3.55%
48% 28 $5,270,000 $188,214 $2,117 3.44%
49% 25 $3,375,000 $135,000 $2,161 3.84%

Citizens Equity First lent most frequently to those with DTI ratios of 20-30%, with 1,477 originations. The next most common DTI ratio? 30-36%, with 916 originations.

Ethnicity Mix

Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
White 3,991 $539,505,000 $135,180 $1,832 3.50%
Not provided 340 $59,890,000 $176,147 $1,926 3.48%
Asian 132 $35,590,000 $269,621 $2,019 3.25%
Asian Indian 68 $21,080,000 $310,000 $2,072 2.84%
Black 131 $18,075,000 $137,977 $1,690 3.67%
Not applicable 51 $13,745,000 $269,510 $0 3.77%
American Indian 28 $4,850,000 $173,214 $1,815 3.47%
Chinese 4 $2,660,000 $665,000 $2,523 2.88%
Filipino 6 $2,330,000 $388,333 $2,569 3.21%
Vietnamese 4 $1,790,000 $447,500 $2,352 3.09%
Native Hawaiian 6 $880,000 $146,667 $1,739 4.35%
Other Pacific Islander 3 $335,000 $111,667 $1,671 3.29%
Korean 2 $310,000 $155,000 $1,749 2.63%
Other Asian 1 $195,000 $195,000 $908 3.50%

Approval Rates

Total approvals of all applications
90.50%

Citizens Equity First has an average approval rate.

Pick Rate

Approvals leading to origination
68.04%

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 4,767 $701,235,000 $147,102

Occupancy Type Mix

Dwelling Type Originations Total Value Average Loan
Multifamily:Site-Built 13 $11,735,000 $902,692
Single Family (1-4 Units):Manufactured 8 $780,000 $97,500
Single Family (1-4 Units):Site-Built 4,746 $688,720,000 $145,116

LTV Distribution

Loan to Value Originations Total Value Average Loan Average Fees Average Rate
20-40% 586 $55,230,000 $94,249 $1,471 4.05%
40-60% 656 $96,050,000 $146,418 $1,919 3.31%
60-80% 1,742 $319,880,000 $183,628 $2,071 3.17%
80-100% 1,225 $202,615,000 $165,400 $1,697 3.37%
Over 100% 11 $2,745,000 $249,545 $2,070 3.60%
Under 20% 547 $24,715,000 $45,183 $548 4.39%