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, 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 by origination volume include: Peoria, Bloomington, San Jose, Springfield, and San Francisco among others. We have data for 246 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Citizens Equity First has an above 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

    4,767

    Origination Dollar Volume (All Markets)

    $701,235,000
    Show all (13) 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) 2,591 $301,635,000 $116,416 $1,591 3.51%
    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%
    San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 47 $22,965,000 $488,617 $2,965 3.42%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 83 $19,685,000 $237,169 $2,658 3.29%
    Outside of Metro Areas 163 $18,885,000 $115,859 $2,033 3.44%
    Lincoln, IL (FHA|USDA|VA) 151 $12,545,000 $83,079 $1,509 3.65%
    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%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 22 $7,390,000 $335,909 $3,608 3.26%
    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%
    ST. LOUIS, MO-IL (FHA|USDA|VA) 30 $4,470,000 $149,000 $1,923 3.43%
    Galesburg, IL (FHA|USDA|VA) 34 $4,070,000 $119,706 $1,929 3.51%
    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%
    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%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 6 $2,610,000 $435,000 $2,790 3.26%
    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%
    Ottawa, IL (FHA|USDA|VA) 16 $2,240,000 $140,000 $2,287 3.51%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 13 $1,955,000 $150,385 $2,907 3.47%
    Pontiac, IL (FHA|USDA|VA) 22 $1,890,000 $85,909 $1,677 3.55%
    SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 5 $1,875,000 $375,000 $2,683 3.40%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 6 $1,740,000 $290,000 $3,358 3.17%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 6 $1,630,000 $271,667 $2,058 2.90%
    Boston-Cambridge-Newton, MA-NH (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, KY (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%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 5 $1,465,000 $293,000 $3,310 3.03%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 10 $1,460,000 $146,000 $1,851 3.83%
    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%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 5 $1,335,000 $267,000 $1,348 3.20%
    DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 11 $1,335,000 $121,364 $2,032 3.17%
    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%
    Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 3 $1,275,000 $425,000 $2,283 2.79%
    Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 7 $1,265,000 $180,714 $2,105 3.46%
    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%
    Taylorville, IL (FHA|USDA|VA) 12 $1,080,000 $90,000 $2,101 3.40%
    Glenwood Springs, CO (FHA|USDA|VA) 2 $1,060,000 $530,000 $2,859 3.38%
    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%
    Jacksonville, IL (FHA|USDA|VA) 11 $975,000 $88,636 $1,970 3.52%
    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%
    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%
    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%
    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%
    Heber, UT (FHA|USDA|VA) 1 $605,000 $605,000 $3,326 3.38%
    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%
    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%
    Breckenridge, CO (FHA|USDA|VA) 1 $555,000 $555,000 $2,725 2.75%
    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%
    Gardnerville Ranchos, NV (FHA|USDA|VA) 1 $465,000 $465,000 $4,749 3.50%
    MORRISTOWN, TN (FHA|USDA|VA) 3 $465,000 $155,000 $2,479 2.83%
    Corinth, MS (FHA|USDA|VA) 2 $450,000 $225,000 $1,450 4.15%
    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%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 1 $415,000 $415,000 $2,991 3.50%
    SALT LAKE CITY, UT (FHA|USDA|VA) 1 $415,000 $415,000 $2,680 2.75%
    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%
    Edwards, CO (FHA|USDA|VA) 2 $400,000 $200,000 $1,973 3.90%
    LAS CRUCES, NM (FHA|USDA|VA) 1 $395,000 $395,000 $3,501 4.00%
    Crossville, TN (FHA|USDA|VA) 2 $380,000 $190,000 $2,684 3.38%
    HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 2 $380,000 $190,000 $2,884 3.44%
    Orangeburg, SC (FHA|USDA|VA) 1 $375,000 $375,000 $3,151 4.00%
    WACO, TX (FHA|USDA|VA) 1 $365,000 $365,000 $4,083 2.63%
    WILMINGTON, NC (FHA|USDA|VA) 1 $355,000 $355,000 $2,940 2.75%
    GREEN BAY, WI (FHA|USDA|VA) 1 $355,000 $355,000 $2,849 3.38%
    PANAMA CITY, FL (FHA|USDA|VA) 1 $345,000 $345,000 $3,367 2.63%
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 1 $345,000 $345,000 $2,894 3.50%
    Seneca, SC (FHA|USDA|VA) 1 $345,000 $345,000 $2,778 3.88%
    MANCHESTER-NASHUA, NH (FHA|USDA|VA) 1 $345,000 $345,000 $0 3.75%
    Coldwater, MI (FHA|USDA|VA) 1 $335,000 $335,000 $2,746 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%
    Stevens Point, WI (FHA|USDA|VA) 1 $325,000 $325,000 $1,809 3.88%
    GREELEY, CO (FHA|USDA|VA) 1 $325,000 $325,000 $2,860 2.88%
    Macomb, IL (FHA|USDA|VA) 3 $325,000 $108,333 $1,644 3.29%
    SAVANNAH, GA (FHA|USDA|VA) 3 $325,000 $108,333 $2,993 3.89%
    FLAGSTAFF, AZ (FHA|USDA|VA) 1 $315,000 $315,000 $1,962 2.75%
    Durango, CO (FHA|USDA|VA) 1 $315,000 $315,000 $2,309 3.50%
    DAYTON-KETTERING, OH (FHA|USDA|VA) 1 $315,000 $315,000 $2,358 2.63%
    GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 3 $315,000 $105,000 $2,132 3.68%
    Baraboo, WI (FHA|USDA|VA) 2 $310,000 $155,000 $1,883 2.94%
    EVANSVILLE, IN-KY (FHA|USDA|VA) 1 $305,000 $305,000 $1,075 3.88%
    Hannibal, MO (FHA|USDA|VA) 1 $305,000 $305,000 $1,673 3.38%
    SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 1 $305,000 $305,000 $0 4.09%
    Elko, NV (FHA|USDA|VA) 2 $300,000 $150,000 $2,318 4.20%
    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%
    Milledgeville, GA (FHA|USDA|VA) 1 $285,000 $285,000 $2,564 2.63%
    Jasper, AL (FHA|USDA|VA) 1 $285,000 $285,000 $2,474 2.63%
    Tupelo, MS (FHA|USDA|VA) 3 $285,000 $95,000 $3,479 3.22%
    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%
    VISALIA, CA (FHA|USDA|VA) 2 $280,000 $140,000 $3,240 3.06%
    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%
    LEBANON, PA (FHA|USDA|VA) 1 $265,000 $265,000 $3,184 2.50%
    BRUNSWICK, GA (FHA|USDA|VA) 1 $265,000 $265,000 $2,834 2.75%
    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%
    Spearfish, SD (FHA|USDA|VA) 1 $255,000 $255,000 $2,532 3.50%
    MUSKEGON, MI (FHA|USDA|VA) 1 $255,000 $255,000 $2,074 2.63%
    AUBURN-OPELIKA, AL (FHA|USDA|VA) 1 $255,000 $255,000 $7,671 3.00%
    COLUMBIA, MO (FHA|USDA|VA) 2 $250,000 $125,000 $2,183 2.88%
    Whitewater, WI (FHA|USDA|VA) 1 $245,000 $245,000 $1,806 2.75%
    Batesville, AR (FHA|USDA|VA) 1 $245,000 $245,000 $2,483 3.50%
    CASPER, WY (FHA|USDA|VA) 2 $240,000 $120,000 $1,338 5.43%
    IOWA CITY, IA (FHA|USDA|VA) 2 $240,000 $120,000 $1,779 3.52%
    Lawrenceburg, TN (FHA|USDA|VA) 1 $235,000 $235,000 $1,802 3.38%
    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%
    Quincy, IL-MO (FHA|USDA|VA) 2 $230,000 $115,000 $583 3.63%
    Greenwood, SC (FHA|USDA|VA) 1 $225,000 $225,000 $0 3.50%
    LYNCHBURG, VA (FHA|USDA|VA) 1 $225,000 $225,000 $4,280 3.38%
    Cookeville, TN (FHA|USDA|VA) 2 $220,000 $110,000 $1,410 3.83%
    KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 1 $215,000 $215,000 $897 3.38%
    ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 1 $215,000 $215,000 $3,161 3.00%
    SHEBOYGAN, WI (FHA|USDA|VA) 1 $215,000 $215,000 $1,777 2.88%
    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%
    Ellensburg, WA (FHA|USDA|VA) 1 $205,000 $205,000 $2,997 2.75%
    Harrison, AR (FHA|USDA|VA) 1 $205,000 $205,000 $3,702 3.50%
    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%
    Morehead City, NC (FHA|USDA|VA) 1 $205,000 $205,000 $2,243 3.50%
    PORT ST. LUCIE, FL (FHA|USDA|VA) 1 $195,000 $195,000 $4,120 3.88%
    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%
    SEBRING-AVON PARK, FL (FHA|USDA|VA) 2 $190,000 $95,000 $2,306 3.06%
    JONESBORO, AR (FHA|USDA|VA) 1 $185,000 $185,000 $1,877 3.00%
    JACKSON, TN (FHA|USDA|VA) 1 $185,000 $185,000 $1,947 2.63%
    Moberly, MO (FHA|USDA|VA) 1 $185,000 $185,000 $1,752 2.75%
    YUBA CITY, CA (FHA|USDA|VA) 1 $185,000 $185,000 $2,209 2.75%
    North Platte, NE (FHA|USDA|VA) 1 $175,000 $175,000 $2,188 2.63%
    GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 1 $175,000 $175,000 $1,304 3.50%
    Scottsburg, IN (FHA|USDA|VA) 1 $165,000 $165,000 $410 4.00%
    Fernley, NV (FHA|USDA|VA) 1 $165,000 $165,000 $2,229 3.50%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 1 $165,000 $165,000 $2,192 3.38%
    Traverse City, MI (FHA|USDA|VA) 1 $165,000 $165,000 $3,247 3.13%
    Tullahoma-Manchester, TN (FHA|USDA|VA) 1 $165,000 $165,000 $2,609 3.38%
    Charleston-Mattoon, IL (FHA|USDA|VA) 2 $160,000 $80,000 $1,512 5.68%
    Faribault-Northfield, MN (FHA|USDA|VA) 1 $155,000 $155,000 $2,374 2.63%
    WORCESTER, MA-CT (FHA|USDA|VA) 1 $155,000 $155,000 $2,147 2.75%
    GLENS FALLS, NY (FHA|USDA|VA) 1 $155,000 $155,000 $2,925 2.50%
    Sanford, NC (FHA|USDA|VA) 1 $155,000 $155,000 $2,193 2.75%
    COLUMBUS, IN (FHA|USDA|VA) 1 $155,000 $155,000 $1,762 2.63%
    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%
    Point Pleasant, WV-OH (FHA|USDA|VA) 1 $145,000 $145,000 $2,794 2.75%
    MERCED, CA (FHA|USDA|VA) 2 $140,000 $70,000 $0 4.50%
    Branson, MO (FHA|USDA|VA) 2 $140,000 $70,000 $1,909 3.81%
    Norfolk, NE (FHA|USDA|VA) 1 $135,000 $135,000 $2,469 3.50%
    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%
    Holland, MI (FHA|USDA|VA) 1 $135,000 $135,000 $1,970 2.75%
    Burlington, IA-IL (FHA|USDA|VA) 2 $130,000 $65,000 $2,776 2.81%
    Aberdeen, SD (FHA|USDA|VA) 1 $125,000 $125,000 $2,416 2.75%
    MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 1 $125,000 $125,000 $1,690 2.75%
    Newberry, SC (FHA|USDA|VA) 1 $125,000 $125,000 $2,580 2.75%
    Paris, TN (FHA|USDA|VA) 1 $125,000 $125,000 $2,105 2.63%
    WARNER ROBINS, GA (FHA|USDA|VA) 1 $125,000 $125,000 $2,328 2.75%
    Danville, KY (FHA|USDA|VA) 1 $115,000 $115,000 $1,846 2.75%
    BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) 1 $105,000 $105,000 $360 3.88%
    Española, NM (FHA|USDA|VA) 1 $105,000 $105,000 $2,799 2.75%
    Riverton, WY (FHA|USDA|VA) 1 $105,000 $105,000 $2,161 2.88%
    OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 1 $105,000 $105,000 $0 4.15%
    Forrest City, AR (FHA|USDA|VA) 1 $105,000 $105,000 $2,460 2.63%
    TOPEKA, KS (FHA|USDA|VA) 1 $105,000 $105,000 $1,496 3.13%
    DuBois, PA (FHA|USDA|VA) 1 $95,000 $95,000 $2,161 4.00%
    Sunbury, PA (FHA|USDA|VA) 1 $85,000 $85,000 $2,350 2.88%
    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%
    TULSA, OK (FHA|USDA|VA) 1 $75,000 $75,000 $0 4.78%
    FORT SMITH, AR-OK (FHA|USDA|VA) 1 $75,000 $75,000 $3,308 2.25%
    OCALA, FL (FHA|USDA|VA) 1 $75,000 $75,000 $2,497 3.63%
    SALISBURY, MD-DE (FHA|USDA|VA) 1 $65,000 $65,000 $0 5.29%
    Sterling, IL (FHA|USDA|VA) 1 $65,000 $65,000 $572 2.75%
    BATON ROUGE, LA (FHA|USDA|VA) 1 $65,000 $65,000 $2,007 3.00%
    Mayfield, KY (FHA|USDA|VA) 1 $65,000 $65,000 $3,159 2.63%
    ROCKFORD, IL (FHA|USDA|VA) 1 $65,000 $65,000 $1,547 2.75%
    Freeport, IL (FHA|USDA|VA) 1 $65,000 $65,000 $2,077 2.88%
    JACKSON, MS (FHA|USDA|VA) 1 $65,000 $65,000 $2,138 3.25%
    Mountain Home, AR (FHA|USDA|VA) 1 $55,000 $55,000 $2,066 2.75%
    MACON-BIBB COUNTY, GA (FHA|USDA|VA) 1 $55,000 $55,000 $0 4.15%
    Washington, NC (FHA|USDA|VA) 1 $55,000 $55,000 $0 4.15%
    Safford, AZ (FHA|USDA|VA) 1 $55,000 $55,000 $0 5.99%
    TWIN FALLS, ID (FHA|USDA|VA) 1 $55,000 $55,000 $2,850 2.75%
    SALINAS, CA (FHA|USDA|VA) 1 $55,000 $55,000 $0 5.99%
    Roanoke Rapids, NC (FHA|USDA|VA) 1 $55,000 $55,000 $2,205 2.88%
    Poplar Bluff, MO (FHA|USDA|VA) 1 $55,000 $55,000 $2,047 3.25%
    RICHMOND, VA (FHA|USDA|VA) 1 $45,000 $45,000 $0 4.09%
    PITTSBURGH, PA (FHA|USDA|VA) 1 $45,000 $45,000 $0 4.90%
    Mexico, MO (FHA|USDA|VA) 1 $45,000 $45,000 $1,728 3.25%
    Brookhaven, MS (FHA|USDA|VA) 1 $45,000 $45,000 $0 4.29%
    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%
    London, KY (FHA|USDA|VA) 1 $25,000 $25,000 $0 6.99%
    FRESNO, CA (FHA|USDA|VA) 1 $15,000 $15,000 $0 4.29%
    Starkville, MS (FHA|USDA|VA) 1 $5,000 $5,000 $0 4.29%
    Citizens Equity First's top markets include Peoria, Bloomington, San Jose, Springfield, and San Francisco among others.

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

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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 3,688 $634,300,000 $171,990 $1,849 3.27%
    HELOC 1,034 $63,010,000 $60,938 n/a 4.29%
    USDA 45 $3,925,000 $87,222 $1,726 3.08%

    For 2020, Citizens Equity First's most frequently originated type of loan was Conventional, with 3,688 originations. Their 2nd most popular type was HELOC, with 1,034 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. 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 2020, Citizens Equity First's most frequently cited loan purpose was Home Purchase, with 1,564 originations. The 2nd most popular reason was 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 2020, Citizens Equity First's most frequently cited loan duration was 30 Year, with 1,642 originations. The 2nd most popular length was 15 Year, with 1,556 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost 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
    $5k+ 20 $8,930,000 $446,500
    $3k-4k 14 $3,830,000 $273,571
    $4k-5k 11 $4,095,000 $372,273

    Citizens Equity First's average total fees were $1,930, while their most frequently occuring range of origination fees (closing costs) 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 for loans was 3.46%, while their most frequently originated rate bucket for loans was 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 or Islander 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
    92.24%

    Citizens Equity First has an average approval rate.

    Pick Rate

    Approvals leading to origination
    64.59%

    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%

    Complaints

    Bank Name Product Issue 2020 CPFB Complaints % of Total Issues
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 35 12.8%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Closing on a mortgage 13 4.7%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Credit monitoring or identity theft protection services 1 0.4%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Incorrect information on your report 5 1.8%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Problem with a credit reporting company's investigation into an existing problem 1 0.4%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Struggling to pay mortgage 26 9.5%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Trouble during payment process 109 39.8%
    CITIZENS FINANCIAL GROUP, INC. FHA mortgage Applying for a mortgage or refinancing an existing mortgage 3 1.1%
    CITIZENS FINANCIAL GROUP, INC. FHA mortgage Struggling to pay mortgage 6 2.2%
    CITIZENS FINANCIAL GROUP, INC. FHA mortgage Trouble during payment process 7 2.6%
    CITIZENS FINANCIAL GROUP, INC. Home equity loan or line of credit (HELOC) Applying for a mortgage or refinancing an existing mortgage 8 2.9%
    CITIZENS FINANCIAL GROUP, INC. Home equity loan or line of credit (HELOC) Closing on a mortgage 3 1.1%
    CITIZENS FINANCIAL GROUP, INC. Home equity loan or line of credit (HELOC) Struggling to pay mortgage 6 2.2%
    CITIZENS FINANCIAL GROUP, INC. Home equity loan or line of credit (HELOC) Trouble during payment process 20 7.3%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Applying for a mortgage or refinancing an existing mortgage 7 2.6%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Closing on a mortgage 4 1.5%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Struggling to pay mortgage 2 0.7%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Trouble during payment process 11 4.0%
    CITIZENS FINANCIAL GROUP, INC. VA mortgage Struggling to pay mortgage 3 1.1%
    CITIZENS FINANCIAL GROUP, INC. VA mortgage Trouble during payment process 4 1.5%