Citizens Equity First Mortgage Rates, Fees & Info

Peoria, IL

LEI: 549300YD7XJM19TH5O82

Tax ID: 37-6028123

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

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    • 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. They have a low ratio of USDA loans. Their top markets by origination volume include: Peoria, Bloomington, San Jose, Chicago, and Springfield among others. We have data for 193 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.

    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% 12/16/24
    30 Year Conventional Purchase 6.41% 12/16/24
    30 Year Conventional Refi 6.29% 12/16/24
    30 Year Cash-out Refi 6.35% 12/16/24
    30 Year USDA Purchase 7.12% 12/16/24
    15 Year Conventional Purchase 5.69% 12/16/24
    15 Year Conventional Refi 5.81% 12/16/24
    15 Year Cash-out Refi 5.81% 12/16/24
    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

    3,618

    Origination Dollar Volume (All Markets)

    $439,780,000
    Show all (23) awards

    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) 2,089 $208,065,000 $99,600 $1,287 4.87%
    BLOOMINGTON, IL (FHA|USDA|VA) 286 $30,960,000 $108,252 $1,222 4.80%
    SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 86 $24,620,000 $286,279 $2,645 4.95%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 67 $15,405,000 $229,925 $2,644 4.53%
    SPRINGFIELD, IL (FHA|USDA|VA) 164 $11,980,000 $73,049 $1,036 4.96%
    Outside of Metro Areas 93 $9,215,000 $99,086 $1,567 4.83%
    San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 29 $8,945,000 $308,448 $2,872 4.93%
    NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 30 $8,020,000 $267,333 $1,183 4.52%
    TUCSON, AZ (FHA|USDA|VA) 32 $7,950,000 $248,438 $1,218 4.26%
    Lincoln, IL (FHA|USDA|VA) 105 $7,685,000 $73,190 $1,297 4.90%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 30 $7,560,000 $252,000 $1,021 4.32%
    RALEIGH-CARY, NC (FHA|USDA|VA) 16 $4,470,000 $279,375 $1,057 4.15%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 22 $4,310,000 $195,909 $2,464 4.65%
    DECATUR, IL (FHA|USDA|VA) 61 $4,265,000 $69,918 $1,204 4.84%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 14 $3,870,000 $276,429 $1,694 4.32%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 12 $3,310,000 $275,833 $2,610 4.11%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 10 $2,910,000 $291,000 $3,268 4.33%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 10 $2,820,000 $282,000 $1,121 4.62%
    ST. LOUIS, MO-IL (FHA|USDA|VA) 20 $2,720,000 $136,000 $2,339 4.71%
    Galesburg, IL (FHA|USDA|VA) 28 $2,660,000 $95,000 $1,408 4.83%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 7 $2,335,000 $333,571 $2,801 4.21%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 6 $2,330,000 $388,333 $6,197 4.08%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 10 $2,080,000 $208,000 $2,997 4.32%
    Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 4 $2,020,000 $505,000 $2,400 3.63%
    CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 12 $1,820,000 $151,667 $889 4.61%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 7 $1,495,000 $213,571 $3,262 4.57%
    LOUISVILLE, KY (FHA|USDA|VA) 9 $1,495,000 $166,111 $1,942 4.93%
    BOISE CITY, ID (FHA|USDA|VA) 5 $1,435,000 $287,000 $3,937 4.10%
    STOCKTON, CA (FHA|USDA|VA) 11 $1,395,000 $126,818 $1,618 4.99%
    Ottawa, IL (FHA|USDA|VA) 15 $1,385,000 $92,333 $1,738 4.88%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 9 $1,365,000 $151,667 $2,365 4.51%
    COLUMBIA, SC (FHA|USDA|VA) 6 $1,350,000 $225,000 $3,159 4.77%
    DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 11 $1,155,000 $105,000 $1,758 4.61%
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 3 $1,125,000 $375,000 $2,678 4.66%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 8 $1,120,000 $140,000 $2,805 4.56%
    PITTSBURGH, PA (FHA|USDA|VA) 7 $1,075,000 $153,571 $1,406 4.61%
    LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 6 $1,030,000 $171,667 $2,992 4.50%
    LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 6 $980,000 $163,333 $942 4.37%
    WINSTON-SALEM, NC (FHA|USDA|VA) 4 $980,000 $245,000 $3,357 4.54%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 5 $935,000 $187,000 $2,382 4.17%
    HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 3 $935,000 $311,667 $0 3.88%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 3 $925,000 $308,333 $3,712 4.33%
    Pontiac, IL (FHA|USDA|VA) 11 $915,000 $83,182 $1,859 4.55%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 5 $895,000 $179,000 $1,022 5.60%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 4 $890,000 $222,500 $3,180 4.65%
    LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 7 $755,000 $107,857 $1,552 5.07%
    MERCED, CA (FHA|USDA|VA) 5 $735,000 $147,000 $1,015 5.00%
    MODESTO, CA (FHA|USDA|VA) 4 $710,000 $177,500 $2,186 4.53%
    NAPA, CA (FHA|USDA|VA) 1 $675,000 $675,000 $7,687 3.88%
    PUNTA GORDA, FL (FHA|USDA|VA) 2 $670,000 $335,000 $3,541 4.13%
    Corinth, MS (FHA|USDA|VA) 4 $640,000 $160,000 $0 4.90%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 1 $615,000 $615,000 $3,876 4.63%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 2 $600,000 $300,000 $1,273 4.63%
    SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 3 $595,000 $198,333 $1,062 3.96%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 5 $585,000 $117,000 $1,912 4.37%
    ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 3 $585,000 $195,000 $1,569 4.04%
    DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 3 $585,000 $195,000 $2,030 4.21%
    NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 2 $580,000 $290,000 $3,525 4.38%
    COLORADO SPRINGS, CO (FHA|USDA|VA) 2 $560,000 $280,000 $1,087 4.31%
    BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 2 $550,000 $275,000 $1,945 4.75%
    Taylorville, IL (FHA|USDA|VA) 7 $515,000 $73,571 $819 5.01%
    SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 2 $500,000 $250,000 $3,259 4.87%
    MEMPHIS, TN-MS-AR (FHA|USDA|VA) 2 $490,000 $245,000 $2,707 4.25%
    Brainerd, MN (FHA|USDA|VA) 1 $475,000 $475,000 $3,079 4.88%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 1 $455,000 $455,000 $0 4.25%
    THE VILLAGES, FL (FHA|USDA|VA) 3 $435,000 $145,000 $4,477 4.21%
    VALLEJO, CA (FHA|USDA|VA) 1 $435,000 $435,000 $3,392 3.38%
    OCALA, FL (FHA|USDA|VA) 4 $410,000 $102,500 $1,539 4.81%
    GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 3 $405,000 $135,000 $937 5.58%
    ALBUQUERQUE, NM (FHA|USDA|VA) 3 $395,000 $131,667 $2,538 4.08%
    DAYTON-KETTERING, OH (FHA|USDA|VA) 3 $385,000 $128,333 $483 4.58%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 3 $375,000 $125,000 $1,672 4.46%
    Tahlequah, OK (FHA|USDA|VA) 2 $360,000 $180,000 $9,446 4.63%
    AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 2 $350,000 $175,000 $2,353 4.63%
    ST. GEORGE, UT (FHA|USDA|VA) 1 $345,000 $345,000 $2,917 4.50%
    Tupelo, MS (FHA|USDA|VA) 2 $340,000 $170,000 $2,799 3.69%
    SALINAS, CA (FHA|USDA|VA) 1 $335,000 $335,000 $2,294 4.13%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 2 $330,000 $165,000 $2,245 4.69%
    SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 2 $330,000 $165,000 $0 5.24%
    JACKSON, MS (FHA|USDA|VA) 2 $320,000 $160,000 $799 4.38%
    MUSKEGON, MI (FHA|USDA|VA) 2 $320,000 $160,000 $1,033 4.68%
    RICHMOND, VA (FHA|USDA|VA) 1 $315,000 $315,000 $2,599 4.88%
    CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 2 $310,000 $155,000 $0 4.43%
    KNOXVILLE, TN (FHA|USDA|VA) 1 $305,000 $305,000 $1,743 4.88%
    GRAND JUNCTION, CO (FHA|USDA|VA) 1 $305,000 $305,000 $2,837 4.63%
    JACKSONVILLE, FL (FHA|USDA|VA) 2 $300,000 $150,000 $738 5.43%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 2 $300,000 $150,000 $2,236 4.75%
    Crossville, TN (FHA|USDA|VA) 2 $280,000 $140,000 $4,221 4.50%
    Charleston-Mattoon, IL (FHA|USDA|VA) 2 $280,000 $140,000 $2,097 4.06%
    KANKAKEE, IL (FHA|USDA|VA) 2 $280,000 $140,000 $1,927 4.81%
    ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 2 $280,000 $140,000 $0 4.87%
    LAREDO, TX (FHA|USDA|VA) 1 $275,000 $275,000 $0 2.88%
    GOLDSBORO, NC (FHA|USDA|VA) 2 $270,000 $135,000 $0 5.06%
    LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 2 $270,000 $135,000 $1,288 5.20%
    MANHATTAN, KS (FHA|USDA|VA) 2 $270,000 $135,000 $1,147 5.68%
    St. Marys, GA (FHA|USDA|VA) 1 $265,000 $265,000 $2,446 4.63%
    SHERMAN-DENISON, TX (FHA|USDA|VA) 1 $255,000 $255,000 $0 4.00%
    Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 1 $255,000 $255,000 $2,532 4.13%
    RENO, NV (FHA|USDA|VA) 2 $250,000 $125,000 $1,145 5.12%
    Jacksonville, IL (FHA|USDA|VA) 4 $250,000 $62,500 $1,946 4.71%
    Greenwood, SC (FHA|USDA|VA) 1 $245,000 $245,000 $0 4.38%
    HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 1 $245,000 $245,000 $2,696 3.88%
    GULFPORT-BILOXI, MS (FHA|USDA|VA) 1 $235,000 $235,000 $1,462 4.63%
    COLUMBIA, MO (FHA|USDA|VA) 1 $235,000 $235,000 $1,410 4.63%
    CARBONDALE-MARION, IL (FHA|USDA|VA) 4 $230,000 $57,500 $2,110 4.79%
    CHICO, CA (FHA|USDA|VA) 1 $225,000 $225,000 $3,817 4.63%
    PANAMA CITY, FL (FHA|USDA|VA) 1 $225,000 $225,000 $3,241 4.75%
    SAVANNAH, GA (FHA|USDA|VA) 1 $225,000 $225,000 $7,746 3.38%
    Marinette, WI-MI (FHA|USDA|VA) 1 $225,000 $225,000 $2,318 3.88%
    SUMTER, SC (FHA|USDA|VA) 2 $220,000 $110,000 $0 4.31%
    CHARLESTON, WV (FHA|USDA|VA) 3 $215,000 $71,667 $2,418 4.91%
    ASHEVILLE, NC (FHA|USDA|VA) 1 $205,000 $205,000 $3,855 3.88%
    LEBANON, PA (FHA|USDA|VA) 1 $205,000 $205,000 $0 3.00%
    CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 1 $205,000 $205,000 $0 5.24%
    TUSCALOOSA, AL (FHA|USDA|VA) 1 $205,000 $205,000 $3,540 4.63%
    CHATTANOOGA, TN-GA (FHA|USDA|VA) 2 $200,000 $100,000 $2,050 4.06%
    SPRINGFIELD, OH (FHA|USDA|VA) 1 $195,000 $195,000 $0 4.50%
    BELLINGHAM, WA (FHA|USDA|VA) 1 $195,000 $195,000 $642 4.00%
    EAU CLAIRE, WI (FHA|USDA|VA) 2 $190,000 $95,000 $1,526 4.68%
    LINCOLN, NE (FHA|USDA|VA) 1 $185,000 $185,000 $2,142 4.13%
    SYRACUSE, NY (FHA|USDA|VA) 1 $185,000 $185,000 $3,330 4.88%
    ALBANY-LEBANON, OR (FHA|USDA|VA) 1 $185,000 $185,000 $2,994 4.50%
    Hannibal, MO (FHA|USDA|VA) 1 $185,000 $185,000 $2,004 3.75%
    TYLER, TX (FHA|USDA|VA) 1 $185,000 $185,000 $3,004 4.63%
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 1 $185,000 $185,000 $2,180 3.88%
    Jasper, AL (FHA|USDA|VA) 1 $185,000 $185,000 $2,435 4.63%
    Starkville, MS (FHA|USDA|VA) 1 $175,000 $175,000 $6,168 4.25%
    Harrison, AR (FHA|USDA|VA) 1 $175,000 $175,000 $6,968 4.00%
    Sedalia, MO (FHA|USDA|VA) 3 $175,000 $58,333 $1,743 4.66%
    FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 2 $170,000 $85,000 $1,003 5.81%
    EVANSVILLE, IN-KY (FHA|USDA|VA) 1 $155,000 $155,000 $4,010 4.13%
    ALBANY, GA (FHA|USDA|VA) 1 $155,000 $155,000 $3,709 3.75%
    DANVILLE, IL (FHA|USDA|VA) 1 $155,000 $155,000 $1,971 4.63%
    Scottsboro, AL (FHA|USDA|VA) 1 $155,000 $155,000 $0 3.88%
    JONESBORO, AR (FHA|USDA|VA) 1 $145,000 $145,000 $4,881 3.63%
    Muscatine, IA (FHA|USDA|VA) 1 $145,000 $145,000 $5,757 3.75%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 1 $145,000 $145,000 $3,048 4.88%
    CORPUS CHRISTI, TX (FHA|USDA|VA) 1 $145,000 $145,000 $3,026 4.63%
    NEW BERN, NC (FHA|USDA|VA) 1 $135,000 $135,000 $2,700 4.63%
    Pittsburg, KS (FHA|USDA|VA) 1 $135,000 $135,000 $1,165 4.63%
    Show Low, AZ (FHA|USDA|VA) 1 $135,000 $135,000 $2,427 4.63%
    DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 2 $130,000 $65,000 $0 5.24%
    DULUTH, MN-WI (FHA|USDA|VA) 1 $125,000 $125,000 $2,278 4.25%
    OSHKOSH-NEENAH, WI (FHA|USDA|VA) 1 $125,000 $125,000 $2,130 4.00%
    YUMA, AZ (FHA|USDA|VA) 1 $125,000 $125,000 $1,204 3.88%
    SALISBURY, MD-DE (FHA|USDA|VA) 1 $125,000 $125,000 $2,469 3.88%
    West Plains, MO (FHA|USDA|VA) 1 $125,000 $125,000 $60 4.63%
    BECKLEY, WV (FHA|USDA|VA) 1 $125,000 $125,000 $3,438 4.13%
    LAWRENCE, KS (FHA|USDA|VA) 1 $125,000 $125,000 $2,069 4.00%
    Cornelia, GA (FHA|USDA|VA) 2 $120,000 $60,000 $1,799 5.68%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 2 $120,000 $60,000 $0 5.37%
    Baraboo, WI (FHA|USDA|VA) 1 $115,000 $115,000 $740 4.00%
    GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 1 $115,000 $115,000 $0 5.24%
    DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 1 $105,000 $105,000 $1,787 3.50%
    HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 1 $105,000 $105,000 $2,895 3.88%
    COLUMBUS, OH (FHA|USDA|VA) 1 $105,000 $105,000 $2,282 4.50%
    FORT WAYNE, IN (FHA|USDA|VA) 1 $105,000 $105,000 $1,564 3.88%
    Scottsburg, IN (FHA|USDA|VA) 1 $105,000 $105,000 $1,688 4.75%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 1 $105,000 $105,000 $2,738 4.50%
    LaGrange, GA-AL (FHA|USDA|VA) 1 $95,000 $95,000 $2,189 4.75%
    SPRINGFIELD, MO (FHA|USDA|VA) 1 $85,000 $85,000 $2,425 4.50%
    COLUMBUS, IN (FHA|USDA|VA) 1 $85,000 $85,000 $1,840 4.63%
    OKLAHOMA CITY, OK (FHA|USDA|VA) 1 $75,000 $75,000 $2,163 4.25%
    PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 1 $75,000 $75,000 $2,054 4.13%
    Quincy, IL-MO (FHA|USDA|VA) 1 $75,000 $75,000 $1,723 4.13%
    SEBRING-AVON PARK, FL (FHA|USDA|VA) 1 $75,000 $75,000 $2,602 3.50%
    DECATUR, AL (FHA|USDA|VA) 2 $70,000 $35,000 $1,081 5.75%
    Cedartown, GA (FHA|USDA|VA) 1 $65,000 $65,000 $2,828 3.38%
    Boone, NC (FHA|USDA|VA) 1 $65,000 $65,000 $3,536 3.50%
    Vincennes, IN (FHA|USDA|VA) 1 $65,000 $65,000 $406 5.00%
    SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 2 $60,000 $30,000 $0 6.37%
    Carroll, IA (FHA|USDA|VA) 1 $55,000 $55,000 $0 5.49%
    BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 1 $55,000 $55,000 $0 7.99%
    Gillette, WY (FHA|USDA|VA) 1 $55,000 $55,000 $0 6.99%
    Burlington, IA-IL (FHA|USDA|VA) 1 $55,000 $55,000 $2,465 4.88%
    ROANOKE, VA (FHA|USDA|VA) 1 $55,000 $55,000 $0 6.99%
    TOLEDO, OH (FHA|USDA|VA) 1 $45,000 $45,000 $0 5.24%
    BILLINGS, MT (FHA|USDA|VA) 1 $45,000 $45,000 $0 4.99%
    Summerville, GA (FHA|USDA|VA) 1 $45,000 $45,000 $0 5.24%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 1 $45,000 $45,000 $0 5.49%
    CHEYENNE, WY (FHA|USDA|VA) 1 $35,000 $35,000 $0 5.74%
    KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 1 $35,000 $35,000 $0 5.24%
    Murray, KY (FHA|USDA|VA) 1 $35,000 $35,000 $0 4.99%
    NORWICH-NEW LONDON, CT (FHA|USDA|VA) 1 $35,000 $35,000 $0 4.67%
    GAINESVILLE, GA (FHA|USDA|VA) 1 $25,000 $25,000 $0 6.49%
    CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 1 $25,000 $25,000 $0 5.49%
    Crawfordsville, IN (FHA|USDA|VA) 1 $25,000 $25,000 $0 4.99%
    SHEBOYGAN, WI (FHA|USDA|VA) 1 $25,000 $25,000 $0 5.24%
    Bluefield, WV-VA (FHA|USDA|VA) 1 $25,000 $25,000 $0 5.49%
    SIOUX FALLS, SD (FHA|USDA|VA) 1 $25,000 $25,000 $0 6.74%
    MADISON, WI (FHA|USDA|VA) 1 $25,000 $25,000 $0 5.49%
    GAINESVILLE, FL (FHA|USDA|VA) 1 $15,000 $15,000 $0 4.99%
    CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) 1 $15,000 $15,000 $0 5.33%
    Citizens Equity First's top markets include Peoria, Bloomington, San Jose, Chicago, and Springfield among others.

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

    SANTA CLARA COUNTY
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 2,453 $375,575,000 $153,108 $1,472 4.60%
    HELOC 1,155 $63,495,000 $54,974 n/a 5.26%
    USDA 10 $710,000 $71,000 $1,345 4.88%

    For 2018, Citizens Equity First's most frequently originated type of loan was Conventional, with 2,453 originations. Their 2nd most popular type was HELOC, with 1,155 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 1,635 $288,785,000 $176,627 $1,670 4.41%
    Home Improvement 888 $43,840,000 $49,369 $173 5.36%
    Refi 433 $40,635,000 $93,845 $1,408 4.93%
    Other 372 $17,350,000 $46,640 $9 5.59%
    Cash Out Refi 290 $49,170,000 $169,552 $2,293 4.20%

    For 2018, Citizens Equity First's most frequently cited loan purpose was Home Purchase, with 1,635 originations. The 2nd most popular reason was Home Improvement, with 888 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,346 $258,490,000 $192,043 $1,759 4.44%
    Other 1,242 $70,710,000 $56,932 $340 5.29%
    15 Year 543 $76,895,000 $141,611 $1,605 4.23%
    10 Year 251 $17,675,000 $70,418 $499 5.34%
    5 Year 178 $4,580,000 $25,730 $17 5.32%
    20 Year 36 $4,940,000 $137,222 $1,913 4.68%
    30+ year 19 $6,295,000 $331,316 $4,372 4.78%
    3 Year 3 $195,000 $65,000 $0 5.08%

    For 2018, Citizens Equity First's most frequently cited loan duration was 30 Year, with 1,346 originations. The 2nd most popular length was Other, with 1,242 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 2,155 $325,125,000 $150,870
    $1k-2k 82 $9,840,000 $120,000
    $2k-3k 34 $6,070,000 $178,529
    $5k+ 27 $10,015,000 $370,926
    $3k-4k 25 $4,965,000 $198,600
    $4k-5k 22 $4,920,000 $223,636

    Citizens Equity First's average total fees were $1,759, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 2,155 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 1,523 $229,905,000 $150,955
    5-6% 1,310 $71,290,000 $54,420
    3-4% 612 $126,000,000 $205,882
    6-7% 99 $3,745,000 $37,828
    7-8% 42 $1,420,000 $33,810
    2.5-3% 29 $6,935,000 $239,138
    <2.5% 3 $485,000 $161,667

    During 2018, Citizens Equity First's average interest rate for loans was 4.44%, while their most frequently originated rate bucket for loans was 4-5%, with 1,523 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 2,011 $88,765,000 $44,140 $774 5.17%
    $100k-200k 922 $130,970,000 $142,050 $1,690 4.44%
    $200k-400k 552 $147,100,000 $266,486 $2,054 4.29%
    $400k-600k 107 $50,275,000 $469,860 $2,663 4.19%
    $600k-1MM 22 $15,570,000 $707,727 $3,851 4.15%
    $1MM+ 4 $7,100,000 $1,775,000 $6,627 4.41%

    2018 saw Citizens Equity First place emphasis on $100,000 or less loans with 2,011 originations, totaling $88,765,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 1,392 $75,280,000 $54,080 $773 5.21%
    $100k-150k 633 $111,605,000 $176,311 $1,867 4.53%
    $50k-75k 545 $52,775,000 $96,835 $1,459 4.71%
    $75k-100k 474 $61,760,000 $130,295 $1,564 4.53%
    $150k-250k 400 $93,740,000 $234,350 $2,038 4.47%
    $250k+ 100 $30,410,000 $304,100 $2,128 4.26%

    Citizens Equity First lent most frequently to those with incomes in the $50k or less range, with 1,392 originations. The second most popular income band? $100k-150k, with 633 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 925 $102,605,000 $110,924 $1,357 4.85%
    30-36% 614 $62,530,000 $101,840 $1,342 5.02%
    <20% 439 $36,965,000 $84,203 $1,165 4.85%
    39% 103 $11,285,000 $109,563 $1,355 4.85%
    40% 101 $11,435,000 $113,218 $1,342 5.13%
    38% 100 $9,770,000 $97,700 $1,288 4.90%
    36% 100 $12,130,000 $121,300 $1,044 4.97%
    41% 90 $9,580,000 $106,444 $1,305 4.99%
    42% 88 $9,790,000 $111,250 $1,293 5.05%
    44% 86 $10,160,000 $118,140 $1,455 4.95%
    43% 77 $9,715,000 $126,169 $1,518 4.89%
    37% 64 $6,680,000 $104,375 $1,232 5.04%
    45% 56 $8,770,000 $156,607 $1,517 4.77%
    47% 35 $5,445,000 $155,571 $2,242 4.78%
    50-60% 34 $3,470,000 $102,059 $1,617 5.30%
    46% 31 $7,595,000 $245,000 $2,416 4.72%
    >60% 28 $1,530,000 $54,643 $28 5.43%
    48% 27 $5,015,000 $185,741 $2,391 4.63%
    49% 15 $2,125,000 $141,667 $1,316 4.69%

    Citizens Equity First lent most frequently to those with DTI ratios of 20-30%, with 925 originations. The next most common DTI ratio? 30-36%, with 614 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 3,043 $344,675,000 $113,268 $1,478 4.83%
    Asian 160 $37,530,000 $234,563 $1,598 4.41%
    Not provided 209 $28,565,000 $136,675 $1,726 4.79%
    Black 130 $14,340,000 $110,308 $1,024 4.96%
    Not applicable 42 $9,640,000 $229,524 $0 4.91%
    American Indian 20 $1,910,000 $95,500 $902 4.40%
    Asian Indian 8 $1,240,000 $155,000 $735 4.22%
    Other Asian 3 $1,035,000 $345,000 $2,192 3.96%
    Filipino 1 $475,000 $475,000 $2,274 4.25%
    Vietnamese 1 $205,000 $205,000 $0 4.99%
    Other Pacific Islander 1 $165,000 $165,000 $1,613 4.63%

    Approval Rates

    Total approvals of all applications
    89.00%

    Citizens Equity First has an average approval rate.

    Pick Rate

    Approvals leading to origination
    72.31%

    Citizens Equity First has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 3,618 $439,780,000 $121,553

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 15 $8,005,000 $533,667
    Single Family (1-4 Units):Manufactured 4 $350,000 $87,500
    Single Family (1-4 Units):Site-Built 3,599 $431,425,000 $119,874

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 614 $36,580,000 $59,577 $548 5.30%
    40-60% 352 $38,220,000 $108,580 $1,524 4.89%
    60-80% 682 $114,310,000 $167,610 $1,878 4.45%
    80-100% 726 $121,410,000 $167,231 $1,549 4.52%
    Over 100% 16 $3,410,000 $213,125 $954 5.08%
    Under 20% 706 $24,610,000 $34,858 $61 5.47%

    Complaints

    Bank Name Product Issue 2018 CPFB Complaints % of Total Issues
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 9 5.3%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Closing on a mortgage 5 2.9%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Improper use of your report 1 0.6%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Incorrect information on your report 1 0.6%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Problem with a credit reporting company's investigation into an existing problem 1 0.6%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Struggling to pay mortgage 16 9.4%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Trouble during payment process 36 21.1%
    CITIZENS FINANCIAL GROUP, INC. FHA mortgage Applying for a mortgage or refinancing an existing mortgage 2 1.2%
    CITIZENS FINANCIAL GROUP, INC. FHA mortgage Closing on a mortgage 3 1.8%
    CITIZENS FINANCIAL GROUP, INC. FHA mortgage Struggling to pay mortgage 8 4.7%
    CITIZENS FINANCIAL GROUP, INC. FHA mortgage Trouble during payment process 3 1.8%
    CITIZENS FINANCIAL GROUP, INC. Home equity loan or line of credit (HELOC) Applying for a mortgage or refinancing an existing mortgage 9 5.3%
    CITIZENS FINANCIAL GROUP, INC. Home equity loan or line of credit (HELOC) Closing on a mortgage 3 1.8%
    CITIZENS FINANCIAL GROUP, INC. Home equity loan or line of credit (HELOC) Struggling to pay mortgage 7 4.1%
    CITIZENS FINANCIAL GROUP, INC. Home equity loan or line of credit (HELOC) Trouble during payment process 41 24.0%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Applying for a mortgage or refinancing an existing mortgage 2 1.2%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Closing on a mortgage 3 1.8%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Struggling to pay mortgage 4 2.3%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Trouble during payment process 15 8.8%
    CITIZENS FINANCIAL GROUP, INC. VA mortgage Struggling to pay mortgage 1 0.6%
    CITIZENS FINANCIAL GROUP, INC. VA mortgage Trouble during payment process 1 0.6%