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. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: Peoria, Bloomington, San Jose, Springfield, and Chicago among others. We have data for 218 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

    3,912

    Origination Dollar Volume (All Markets)

    $503,680,000
    Show all (20) 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) 2,160 $222,390,000 $102,958 $1,394 4.51%
    BLOOMINGTON, IL (FHA|USDA|VA) 340 $37,000,000 $108,824 $1,361 4.47%
    SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 95 $28,895,000 $304,158 $3,142 4.74%
    SPRINGFIELD, IL (FHA|USDA|VA) 197 $19,525,000 $99,112 $1,287 4.69%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 78 $16,990,000 $217,821 $2,817 4.21%
    NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 46 $13,770,000 $299,348 $2,609 4.02%
    San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 36 $11,320,000 $314,444 $2,687 4.49%
    Outside of Metro Areas 108 $10,380,000 $96,111 $1,679 4.43%
    TUCSON, AZ (FHA|USDA|VA) 29 $8,145,000 $280,862 $1,537 4.26%
    Lincoln, IL (FHA|USDA|VA) 115 $7,535,000 $65,522 $1,191 4.71%
    DECATUR, IL (FHA|USDA|VA) 97 $7,035,000 $72,526 $1,149 4.62%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 25 $5,485,000 $219,400 $2,959 4.25%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 19 $4,235,000 $222,895 $2,363 4.08%
    ST. LOUIS, MO-IL (FHA|USDA|VA) 28 $4,060,000 $145,000 $2,072 4.23%
    RALEIGH-CARY, NC (FHA|USDA|VA) 17 $3,595,000 $211,471 $2,071 4.07%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 12 $3,480,000 $290,000 $3,484 4.00%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 12 $3,440,000 $286,667 $2,519 3.35%
    LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 15 $3,105,000 $207,000 $2,256 4.33%
    Galesburg, IL (FHA|USDA|VA) 20 $2,720,000 $136,000 $1,903 4.56%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 12 $2,520,000 $210,000 $1,681 3.98%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 4 $2,280,000 $570,000 $3,364 3.81%
    Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 2 $2,260,000 $1,130,000 $11,043 4.25%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 9 $2,245,000 $249,444 $2,907 3.68%
    CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 16 $1,990,000 $124,375 $1,631 4.25%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 9 $1,975,000 $219,444 $2,674 3.60%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 7 $1,955,000 $279,286 $2,586 4.05%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 7 $1,835,000 $262,143 $4,196 4.22%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 5 $1,825,000 $365,000 $4,235 3.90%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 4 $1,680,000 $420,000 $2,998 3.72%
    LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 4 $1,640,000 $410,000 $2,857 4.01%
    SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 4 $1,630,000 $407,500 $3,069 4.79%
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 5 $1,605,000 $321,000 $2,496 3.65%
    COLORADO SPRINGS, CO (FHA|USDA|VA) 4 $1,580,000 $395,000 $3,034 3.69%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 8 $1,560,000 $195,000 $2,951 4.25%
    SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 7 $1,525,000 $217,857 $2,163 4.53%
    COLUMBIA, SC (FHA|USDA|VA) 6 $1,390,000 $231,667 $2,589 4.28%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 6 $1,370,000 $228,333 $1,672 4.42%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 5 $1,265,000 $253,000 $2,936 4.10%
    LOUISVILLE, KY (FHA|USDA|VA) 7 $1,245,000 $177,857 $1,922 4.33%
    LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 6 $1,200,000 $200,000 $1,904 3.90%
    DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 4 $1,130,000 $282,500 $2,183 3.47%
    ST. GEORGE, UT (FHA|USDA|VA) 2 $1,090,000 $545,000 $2,957 3.06%
    Ottawa, IL (FHA|USDA|VA) 15 $1,035,000 $69,000 $1,214 4.49%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 3 $1,005,000 $335,000 $2,948 5.29%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 3 $1,005,000 $335,000 $1,677 4.79%
    Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 2 $930,000 $465,000 $3,313 3.88%
    SPRINGFIELD, MO (FHA|USDA|VA) 3 $905,000 $301,667 $2,957 4.17%
    CHATTANOOGA, TN-GA (FHA|USDA|VA) 3 $895,000 $298,333 $2,805 3.04%
    THE VILLAGES, FL (FHA|USDA|VA) 5 $855,000 $171,000 $3,043 3.93%
    SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 3 $855,000 $285,000 $923 5.21%
    WINSTON-SALEM, NC (FHA|USDA|VA) 3 $825,000 $275,000 $3,310 4.30%
    PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 2 $750,000 $375,000 $4,631 4.00%
    Taylorville, IL (FHA|USDA|VA) 12 $730,000 $60,833 $651 5.05%
    SIOUX FALLS, SD (FHA|USDA|VA) 1 $705,000 $705,000 $10,514 3.75%
    PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 2 $700,000 $350,000 $3,960 3.56%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 2 $680,000 $340,000 $3,549 3.88%
    CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 5 $675,000 $135,000 $896 4.56%
    MEMPHIS, TN-MS-AR (FHA|USDA|VA) 4 $670,000 $167,500 $4,102 3.85%
    Pontiac, IL (FHA|USDA|VA) 11 $645,000 $58,636 $1,082 5.03%
    DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 7 $645,000 $92,143 $1,309 4.43%
    DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 3 $625,000 $208,333 $2,361 4.13%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 4 $620,000 $155,000 $4,679 3.95%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 3 $615,000 $205,000 $2,649 3.79%
    OCALA, FL (FHA|USDA|VA) 4 $600,000 $150,000 $2,636 3.94%
    PUNTA GORDA, FL (FHA|USDA|VA) 2 $590,000 $295,000 $3,135 3.44%
    CINCINNATI, OH-KY-IN (FHA|USDA|VA) 3 $585,000 $195,000 $2,486 4.04%
    MODESTO, CA (FHA|USDA|VA) 2 $570,000 $285,000 $2,051 4.71%
    VICTORIA, TX (FHA|USDA|VA) 2 $560,000 $280,000 $2,634 3.81%
    DAYTON-KETTERING, OH (FHA|USDA|VA) 2 $560,000 $280,000 $1,915 4.31%
    FARGO, ND-MN (FHA|USDA|VA) 2 $560,000 $280,000 $2,486 3.44%
    BOISE CITY, ID (FHA|USDA|VA) 2 $540,000 $270,000 $1,490 4.38%
    BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 2 $540,000 $270,000 $1,325 3.69%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 3 $535,000 $178,333 $3,735 4.89%
    MERCED, CA (FHA|USDA|VA) 3 $525,000 $175,000 $3,297 4.18%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 2 $510,000 $255,000 $3,223 3.56%
    FRESNO, CA (FHA|USDA|VA) 3 $495,000 $165,000 $1,266 4.99%
    PANAMA CITY, FL (FHA|USDA|VA) 2 $490,000 $245,000 $4,029 4.33%
    HATTIESBURG, MS (FHA|USDA|VA) 1 $465,000 $465,000 $3,308 4.00%
    COLUMBUS, IN (FHA|USDA|VA) 2 $450,000 $225,000 $1,304 3.69%
    SHERMAN-DENISON, TX (FHA|USDA|VA) 1 $445,000 $445,000 $3,799 3.88%
    Farmington, MO (FHA|USDA|VA) 3 $445,000 $148,333 $2,861 4.17%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 2 $440,000 $220,000 $2,538 3.63%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 3 $435,000 $145,000 $1,477 4.39%
    GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 2 $420,000 $210,000 $2,459 3.88%
    APPLETON, WI (FHA|USDA|VA) 1 $415,000 $415,000 $2,060 3.88%
    COLUMBIA, MO (FHA|USDA|VA) 1 $405,000 $405,000 $60 4.00%
    MADISON, WI (FHA|USDA|VA) 2 $400,000 $200,000 $1,352 3.75%
    CARBONDALE-MARION, IL (FHA|USDA|VA) 4 $390,000 $97,500 $2,126 4.26%
    CHICO, CA (FHA|USDA|VA) 1 $385,000 $385,000 $2,337 3.88%
    JACKSON, MS (FHA|USDA|VA) 2 $380,000 $190,000 $2,963 4.83%
    TUSCALOOSA, AL (FHA|USDA|VA) 1 $375,000 $375,000 $2,843 3.88%
    Macomb, IL (FHA|USDA|VA) 5 $375,000 $75,000 $1,277 4.99%
    FLINT, MI (FHA|USDA|VA) 2 $370,000 $185,000 $2,433 4.58%
    PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 1 $365,000 $365,000 $3,378 3.88%
    ROANOKE, VA (FHA|USDA|VA) 2 $350,000 $175,000 $2,838 3.69%
    ASHEVILLE, NC (FHA|USDA|VA) 4 $350,000 $87,500 $1,731 5.46%
    AMES, IA (FHA|USDA|VA) 1 $345,000 $345,000 $2,069 3.88%
    MACON-BIBB COUNTY, GA (FHA|USDA|VA) 3 $335,000 $111,667 $2,408 5.08%
    SALT LAKE CITY, UT (FHA|USDA|VA) 1 $335,000 $335,000 $2,713 3.88%
    ST. CLOUD, MN (FHA|USDA|VA) 1 $335,000 $335,000 $2,867 3.00%
    HOT SPRINGS, AR (FHA|USDA|VA) 1 $325,000 $325,000 $2,178 4.50%
    COLUMBUS, OH (FHA|USDA|VA) 1 $325,000 $325,000 $3,413 3.88%
    JACKSONVILLE, FL (FHA|USDA|VA) 3 $325,000 $108,333 $1,830 4.96%
    Crossville, TN (FHA|USDA|VA) 2 $320,000 $160,000 $2,437 3.44%
    CASPER, WY (FHA|USDA|VA) 1 $315,000 $315,000 $2,159 3.00%
    WICHITA, KS (FHA|USDA|VA) 1 $315,000 $315,000 $2,913 3.00%
    GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 2 $310,000 $155,000 $2,179 5.26%
    Hannibal, MO (FHA|USDA|VA) 2 $310,000 $155,000 $1,479 3.81%
    MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 1 $305,000 $305,000 $1,830 3.00%
    Kalispell, MT (FHA|USDA|VA) 1 $295,000 $295,000 $1,187 3.88%
    LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 2 $290,000 $145,000 $1,485 4.44%
    KNOXVILLE, TN (FHA|USDA|VA) 1 $285,000 $285,000 $2,694 3.63%
    ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 1 $285,000 $285,000 $3,378 3.88%
    SUMTER, SC (FHA|USDA|VA) 1 $285,000 $285,000 $2,784 3.88%
    GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 2 $280,000 $140,000 $2,895 4.77%
    Jacksonville, IL (FHA|USDA|VA) 3 $275,000 $91,667 $1,327 4.08%
    Albert Lea, MN (FHA|USDA|VA) 1 $275,000 $275,000 $4,062 4.38%
    St. Marys, GA (FHA|USDA|VA) 1 $265,000 $265,000 $2,311 3.88%
    SALISBURY, MD-DE (FHA|USDA|VA) 1 $265,000 $265,000 $4,385 5.50%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 1 $265,000 $265,000 $3,483 3.88%
    Mount Pleasant, TX (FHA|USDA|VA) 1 $265,000 $265,000 $3,487 3.00%
    FORT WAYNE, IN (FHA|USDA|VA) 2 $260,000 $130,000 $2,416 4.68%
    Paducah, KY-IL (FHA|USDA|VA) 2 $260,000 $130,000 $2,127 3.50%
    NORWICH-NEW LONDON, CT (FHA|USDA|VA) 1 $255,000 $255,000 $3,770 4.13%
    MANHATTAN, KS (FHA|USDA|VA) 1 $255,000 $255,000 $601 3.13%
    Searcy, AR (FHA|USDA|VA) 1 $255,000 $255,000 $2,494 3.88%
    Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 1 $255,000 $255,000 $1,034 3.88%
    CLARKSVILLE, TN-KY (FHA|USDA|VA) 2 $250,000 $125,000 $2,192 4.13%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 2 $240,000 $120,000 $3,064 4.68%
    RENO, NV (FHA|USDA|VA) 2 $240,000 $120,000 $1,269 4.81%
    PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 1 $235,000 $235,000 $3,020 4.63%
    HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 1 $235,000 $235,000 $2,449 3.00%
    BATON ROUGE, LA (FHA|USDA|VA) 1 $235,000 $235,000 $3,327 3.88%
    IOWA CITY, IA (FHA|USDA|VA) 2 $230,000 $115,000 $2,749 3.81%
    JEFFERSON CITY, MO (FHA|USDA|VA) 2 $230,000 $115,000 $2,741 4.83%
    CEDAR RAPIDS, IA (FHA|USDA|VA) 1 $225,000 $225,000 $832 3.88%
    DANVILLE, IL (FHA|USDA|VA) 2 $220,000 $110,000 $2,009 4.77%
    GRANTS PASS, OR (FHA|USDA|VA) 1 $215,000 $215,000 $1,452 4.00%
    Russellville, AR (FHA|USDA|VA) 1 $205,000 $205,000 $1,308 3.88%
    FLORENCE, SC (FHA|USDA|VA) 1 $195,000 $195,000 $4,288 4.13%
    Peru, IN (FHA|USDA|VA) 1 $195,000 $195,000 $3,734 3.00%
    SPARTANBURG, SC (FHA|USDA|VA) 3 $195,000 $65,000 $919 5.01%
    ROCHESTER, NY (FHA|USDA|VA) 1 $195,000 $195,000 $5,418 3.63%
    Quincy, IL-MO (FHA|USDA|VA) 1 $195,000 $195,000 $892 3.00%
    HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 2 $190,000 $95,000 $3,880 4.71%
    Marinette, WI-MI (FHA|USDA|VA) 1 $185,000 $185,000 $1,703 3.13%
    NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 1 $185,000 $185,000 $2,819 3.75%
    COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 1 $185,000 $185,000 $2,587 4.00%
    GAINESVILLE, FL (FHA|USDA|VA) 2 $180,000 $90,000 $3,386 4.77%
    Paris, TN (FHA|USDA|VA) 1 $175,000 $175,000 $2,501 3.88%
    STATE COLLEGE, PA (FHA|USDA|VA) 1 $175,000 $175,000 $2,726 3.00%
    Danville, VA (FHA|USDA|VA) 1 $175,000 $175,000 $2,096 3.00%
    CORPUS CHRISTI, TX (FHA|USDA|VA) 1 $175,000 $175,000 $2,456 3.88%
    Marion, OH (FHA|USDA|VA) 1 $175,000 $175,000 $2,612 3.88%
    OKLAHOMA CITY, OK (FHA|USDA|VA) 1 $175,000 $175,000 $2,489 4.50%
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 1 $175,000 $175,000 $1,180 3.88%
    VALLEJO, CA (FHA|USDA|VA) 2 $170,000 $85,000 $0 5.49%
    Sterling, IL (FHA|USDA|VA) 1 $165,000 $165,000 $1,760 3.88%
    HUNTSVILLE, AL (FHA|USDA|VA) 1 $165,000 $165,000 $2,050 3.13%
    BOWLING GREEN, KY (FHA|USDA|VA) 1 $155,000 $155,000 $1,937 3.00%
    Spirit Lake, IA (FHA|USDA|VA) 1 $155,000 $155,000 $2,229 3.88%
    PORT ST. LUCIE, FL (FHA|USDA|VA) 1 $155,000 $155,000 $3,183 3.13%
    RAPID CITY, SD (FHA|USDA|VA) 1 $155,000 $155,000 $2,459 3.88%
    STAUNTON, VA (FHA|USDA|VA) 1 $155,000 $155,000 $3,059 4.13%
    BOULDER, CO (FHA|USDA|VA) 1 $155,000 $155,000 $2,613 3.75%
    Lawrenceburg, TN (FHA|USDA|VA) 1 $145,000 $145,000 $2,782 3.88%
    HANFORD-CORCORAN, CA (FHA|USDA|VA) 1 $145,000 $145,000 $2,202 3.13%
    BECKLEY, WV (FHA|USDA|VA) 1 $135,000 $135,000 $2,208 3.88%
    Ludington, MI (FHA|USDA|VA) 1 $135,000 $135,000 $1,859 3.00%
    ANN ARBOR, MI (FHA|USDA|VA) 1 $135,000 $135,000 $2,753 4.50%
    LAFAYETTE, LA (FHA|USDA|VA) 1 $135,000 $135,000 $3,224 3.63%
    Traverse City, MI (FHA|USDA|VA) 1 $125,000 $125,000 $946 3.38%
    STOCKTON, CA (FHA|USDA|VA) 2 $120,000 $60,000 $0 6.14%
    London, KY (FHA|USDA|VA) 1 $115,000 $115,000 $2,195 4.50%
    FAYETTEVILLE, NC (FHA|USDA|VA) 2 $110,000 $55,000 $2,179 4.20%
    Batesville, AR (FHA|USDA|VA) 2 $110,000 $55,000 $978 5.12%
    Rochelle, IL (FHA|USDA|VA) 1 $105,000 $105,000 $2,556 4.25%
    MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 1 $105,000 $105,000 $3,146 4.50%
    Seneca, SC (FHA|USDA|VA) 1 $105,000 $105,000 $0 5.54%
    LIMA, OH (FHA|USDA|VA) 1 $105,000 $105,000 $1,095 4.25%
    JOPLIN, MO (FHA|USDA|VA) 1 $105,000 $105,000 $1,554 3.63%
    JOHNSTOWN, PA (FHA|USDA|VA) 1 $105,000 $105,000 $1,750 3.13%
    Cookeville, TN (FHA|USDA|VA) 1 $105,000 $105,000 $2,457 3.00%
    DULUTH, MN-WI (FHA|USDA|VA) 1 $105,000 $105,000 $2,254 3.88%
    TWIN FALLS, ID (FHA|USDA|VA) 1 $85,000 $85,000 $0 5.12%
    Burlington, IA-IL (FHA|USDA|VA) 2 $80,000 $40,000 $1,999 4.75%
    Laurinburg, NC (FHA|USDA|VA) 1 $75,000 $75,000 $691 4.38%
    Sonora, CA (FHA|USDA|VA) 1 $75,000 $75,000 $0 5.54%
    OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 1 $75,000 $75,000 $671 4.00%
    FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 1 $65,000 $65,000 $1,772 3.50%
    LONGVIEW, TX (FHA|USDA|VA) 1 $55,000 $55,000 $494 4.00%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 1 $55,000 $55,000 $0 5.15%
    RACINE, WI (FHA|USDA|VA) 1 $55,000 $55,000 $645 4.38%
    TOLEDO, OH (FHA|USDA|VA) 1 $55,000 $55,000 $0 5.49%
    Pinehurst-Southern Pines, NC (FHA|USDA|VA) 1 $55,000 $55,000 $0 5.54%
    PITTSBURGH, PA (FHA|USDA|VA) 1 $55,000 $55,000 $1,183 3.13%
    COLUMBUS, GA-AL (FHA|USDA|VA) 1 $45,000 $45,000 $0 5.54%
    Corinth, MS (FHA|USDA|VA) 1 $45,000 $45,000 $0 5.15%
    HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 1 $45,000 $45,000 $0 5.54%
    Clarksburg, WV (FHA|USDA|VA) 1 $45,000 $45,000 $0 4.25%
    Baraboo, WI (FHA|USDA|VA) 1 $45,000 $45,000 $0 5.49%
    ROCKFORD, IL (FHA|USDA|VA) 1 $35,000 $35,000 $0 5.54%
    SAVANNAH, GA (FHA|USDA|VA) 1 $35,000 $35,000 $0 5.15%
    GREENVILLE, NC (FHA|USDA|VA) 1 $35,000 $35,000 $3,025 3.88%
    MUSKEGON, MI (FHA|USDA|VA) 1 $35,000 $35,000 $0 6.74%
    Forrest City, AR (FHA|USDA|VA) 1 $35,000 $35,000 $0 6.99%
    DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 1 $35,000 $35,000 $0 5.54%
    Show Low, AZ (FHA|USDA|VA) 1 $25,000 $25,000 $0 4.86%
    Jefferson, GA (FHA|USDA|VA) 1 $25,000 $25,000 $0 5.74%
    Wahpeton, ND-MN (FHA|USDA|VA) 1 $25,000 $25,000 $0 5.27%
    MANSFIELD, OH (FHA|USDA|VA) 1 $25,000 $25,000 $0 5.54%
    LAWTON, OK (FHA|USDA|VA) 1 $25,000 $25,000 $0 6.99%
    GRAND JUNCTION, CO (FHA|USDA|VA) 1 $25,000 $25,000 $0 5.49%
    SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 1 $25,000 $25,000 $0 6.29%
    Bluefield, WV-VA (FHA|USDA|VA) 1 $15,000 $15,000 $0 6.29%
    SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 1 $15,000 $15,000 $0 6.29%
    ALBUQUERQUE, NM (FHA|USDA|VA) 1 $15,000 $15,000 $0 7.29%
    LYNCHBURG, VA (FHA|USDA|VA) 1 $15,000 $15,000 $0 6.74%
    Citizens Equity First's top markets include Peoria, Bloomington, San Jose, Springfield, and Chicago among others.

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

    US COMMUNITY
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 2,777 $440,625,000 $158,669 $1,646 4.09%
    HELOC 1,117 $61,415,000 $54,982 n/a 5.44%
    USDA 15 $1,215,000 $81,000 $1,634 4.07%
    VA 2 $260,000 $130,000 $2,178 3.94%
    FHA 1 $165,000 $165,000 $5,799 4.13%

    For 2019, Citizens Equity First's most frequently originated type of loan was Conventional, with 2,777 originations. Their 2nd most popular type was HELOC, with 1,117 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 1,631 $277,035,000 $169,856 $1,718 3.95%
    Home Improvement 670 $31,880,000 $47,582 $9 5.56%
    Refi 660 $85,150,000 $129,015 $1,843 4.48%
    Cash Out Refi 510 $89,790,000 $176,059 $2,256 3.73%
    Other 441 $19,825,000 $44,955 $22 5.64%

    For 2019, Citizens Equity First's most frequently cited loan purpose was Home Purchase, with 1,631 originations. The 2nd most popular reason was Home Improvement, with 670 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,460 $272,630,000 $186,733 $1,840 4.06%
    Other 1,173 $62,975,000 $53,687 $116 5.46%
    15 Year 799 $126,175,000 $157,916 $1,833 3.53%
    10 Year 237 $17,875,000 $75,422 $838 4.73%
    5 Year 154 $4,120,000 $26,753 $12 5.56%
    20 Year 63 $11,825,000 $187,698 $2,089 4.05%
    30+ year 25 $8,015,000 $320,600 $3,397 4.52%
    3 Year 1 $65,000 $65,000 $0 6.25%

    For 2019, Citizens Equity First's most frequently cited loan duration was 30 Year, with 1,460 originations. The 2nd most popular length was Other, with 1,173 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 2,178 $382,930,000 $175,817
    $1k-2k 130 $19,960,000 $153,538
    $2k-3k 35 $6,675,000 $190,714
    $3k-4k 20 $5,460,000 $273,000
    $5k+ 12 $6,650,000 $554,167
    $4k-5k 6 $1,700,000 $283,333

    Citizens Equity First's average total fees were $1,840, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 2,178 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 1,463 $262,235,000 $179,245
    5-6% 1,296 $67,440,000 $52,037
    4-5% 773 $117,585,000 $152,115
    2.5-3% 237 $49,545,000 $209,051
    6-7% 109 $3,845,000 $35,275
    7-8% 28 $860,000 $30,714
    <2.5% 6 $2,170,000 $361,667

    During 2019, Citizens Equity First's average interest rate for loans was 4.06%, while their most frequently originated rate bucket for loans was 3-4%, with 1,463 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 2,022 $95,690,000 $47,324 $938 5.02%
    $100k-200k 1,100 $153,160,000 $139,236 $1,750 3.95%
    $200k-400k 654 $177,730,000 $271,758 $2,271 3.79%
    $400k-600k 90 $42,260,000 $469,556 $2,880 3.90%
    $600k-1MM 43 $30,375,000 $706,395 $4,061 3.79%
    $1MM+ 3 $4,465,000 $1,488,333 $10,216 3.92%

    2019 saw Citizens Equity First place emphasis on $100,000 or less loans with 2,022 originations, totaling $95,690,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 1,905 $106,285,000 $55,793 $734 5.20%
    $100k-150k 587 $122,915,000 $209,395 $2,025 3.74%
    $50k-75k 472 $55,010,000 $116,547 $1,697 3.92%
    $75k-100k 441 $68,035,000 $154,274 $1,879 3.82%
    $150k-250k 360 $105,890,000 $294,139 $2,286 3.66%
    $250k+ 107 $39,545,000 $369,579 $3,271 3.63%

    Citizens Equity First lent most frequently to those with incomes in the $50k or less range, with 1,905 originations. The second most popular income band? $100k-150k, with 587 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 1,219 $157,925,000 $129,553 $1,605 4.43%
    30-36% 788 $104,540,000 $132,665 $1,632 4.46%
    <20% 662 $70,470,000 $106,450 $1,451 4.40%
    37% 132 $18,620,000 $141,061 $1,801 4.50%
    39% 125 $15,725,000 $125,800 $1,643 4.56%
    38% 120 $15,160,000 $126,333 $1,699 4.54%
    42% 118 $17,710,000 $150,085 $1,841 4.47%
    36% 117 $14,765,000 $126,197 $1,844 4.61%
    40% 107 $14,385,000 $134,439 $1,798 4.62%
    41% 101 $13,745,000 $136,089 $1,935 4.54%
    44% 96 $14,940,000 $155,625 $1,776 4.62%
    43% 87 $12,235,000 $140,632 $1,570 4.49%
    45% 58 $9,130,000 $157,414 $2,155 4.41%
    46% 48 $8,240,000 $171,667 $2,158 4.37%
    47% 40 $6,390,000 $159,750 $2,101 4.63%
    50-60% 36 $2,030,000 $56,389 $953 5.13%
    48% 27 $3,775,000 $139,815 $1,845 4.87%
    >60% 16 $1,540,000 $96,250 $2,270 4.92%
    49% 11 $1,755,000 $159,545 $2,423 4.22%

    Citizens Equity First lent most frequently to those with DTI ratios of 20-30%, with 1,219 originations. The next most common DTI ratio? 30-36%, with 788 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 3,343 $407,765,000 $121,976 $1,629 4.50%
    Not provided 226 $36,340,000 $160,796 $1,905 4.49%
    Asian 144 $31,110,000 $216,042 $1,682 4.16%
    Black 99 $10,655,000 $107,626 $1,564 4.57%
    Asian Indian 36 $7,700,000 $213,889 $1,733 3.46%
    Not applicable 23 $3,885,000 $168,913 $2,377 4.18%
    American Indian 30 $3,650,000 $121,667 $1,675 4.22%
    Filipino 5 $1,365,000 $273,000 $2,175 3.83%
    Other Asian 2 $600,000 $300,000 $2,397 3.93%
    Korean 1 $265,000 $265,000 $563 3.88%
    Chinese 1 $205,000 $205,000 $2,191 3.25%
    Native Hawaiian or Islander 1 $75,000 $75,000 $547 4.00%
    Vietnamese 1 $65,000 $65,000 $1,997 3.25%

    Approval Rates

    Total approvals of all applications
    89.60%

    Citizens Equity First has an average approval rate.

    Pick Rate

    Approvals leading to origination
    68.30%

    Citizens Equity First has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 3,912 $503,680,000 $128,753

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 9 $2,385,000 $265,000
    Single Family (1-4 Units):Manufactured 12 $1,310,000 $109,167
    Single Family (1-4 Units):Site-Built 3,891 $499,985,000 $128,498

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 594 $38,720,000 $65,185 $831 5.24%
    40-60% 441 $58,625,000 $132,937 $1,869 4.37%
    60-80% 1,162 $210,290,000 $180,972 $2,058 3.92%
    80-100% 1,074 $171,700,000 $159,870 $1,617 4.05%
    Over 100% 9 $1,435,000 $159,444 $1,625 4.54%
    Under 20% 631 $22,645,000 $35,887 $168 5.58%

    Complaints

    Bank Name Product Issue 2019 CPFB Complaints % of Total Issues
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 10 4.3%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Closing on a mortgage 6 2.6%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Incorrect information on your report 1 0.4%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Struggling to pay mortgage 20 8.6%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Trouble during payment process 81 34.8%
    CITIZENS FINANCIAL GROUP, INC. FHA mortgage Applying for a mortgage or refinancing an existing mortgage 2 0.9%
    CITIZENS FINANCIAL GROUP, INC. FHA mortgage Closing on a mortgage 3 1.3%
    CITIZENS FINANCIAL GROUP, INC. FHA mortgage Incorrect information on your report 1 0.4%
    CITIZENS FINANCIAL GROUP, INC. FHA mortgage Struggling to pay mortgage 1 0.4%
    CITIZENS FINANCIAL GROUP, INC. FHA mortgage Trouble during payment process 13 5.6%
    CITIZENS FINANCIAL GROUP, INC. Home equity loan or line of credit (HELOC) Applying for a mortgage or refinancing an existing mortgage 11 4.7%
    CITIZENS FINANCIAL GROUP, INC. Home equity loan or line of credit (HELOC) Closing on a mortgage 9 3.9%
    CITIZENS FINANCIAL GROUP, INC. Home equity loan or line of credit (HELOC) Struggling to pay mortgage 8 3.4%
    CITIZENS FINANCIAL GROUP, INC. Home equity loan or line of credit (HELOC) Trouble during payment process 52 22.3%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Applying for a mortgage or refinancing an existing mortgage 1 0.4%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Closing on a mortgage 4 1.7%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Struggling to pay mortgage 2 0.9%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Trouble during payment process 3 1.3%
    CITIZENS FINANCIAL GROUP, INC. VA mortgage Applying for a mortgage or refinancing an existing mortgage 2 0.9%
    CITIZENS FINANCIAL GROUP, INC. VA mortgage Struggling to pay mortgage 1 0.4%
    CITIZENS FINANCIAL GROUP, INC. VA mortgage Trouble during payment process 2 0.9%