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 Lincoln among others. We have data for 196 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% 4/18/24
    30 Year Conventional Purchase 6.41% 4/18/24
    30 Year Conventional Refi 6.29% 4/18/24
    30 Year Cash-out Refi 6.35% 4/18/24
    30 Year USDA Purchase 7.12% 4/18/24
    15 Year Conventional Purchase 5.69% 4/18/24
    15 Year Conventional Refi 5.81% 4/18/24
    15 Year Cash-out Refi 5.81% 4/18/24
    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

    4,104

    Origination Dollar Volume (All Markets)

    $552,870,000
    Show all (14) 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) 2,272 $254,240,000 $111,901 $1,530 3.42%
    BLOOMINGTON, IL (FHA|USDA|VA) 355 $42,645,000 $120,127 $1,505 3.44%
    SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 94 $36,850,000 $392,021 $2,375 3.66%
    SPRINGFIELD, IL (FHA|USDA|VA) 209 $20,125,000 $96,292 $1,372 3.59%
    Outside of Metro Areas 131 $17,025,000 $129,962 $1,937 3.38%
    Lincoln, IL (FHA|USDA|VA) 176 $15,280,000 $86,818 $1,520 3.42%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 66 $13,200,000 $200,000 $2,681 3.33%
    NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 42 $12,740,000 $303,333 $3,398 3.32%
    San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 29 $11,315,000 $390,172 $3,231 3.65%
    DECATUR, IL (FHA|USDA|VA) 116 $9,990,000 $86,121 $1,507 3.39%
    ST. LOUIS, MO-IL (FHA|USDA|VA) 42 $5,850,000 $139,286 $1,810 3.25%
    RALEIGH-CARY, NC (FHA|USDA|VA) 21 $5,545,000 $264,048 $2,009 3.60%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 10 $5,060,000 $506,000 $1,919 3.16%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 24 $5,040,000 $210,000 $2,601 3.40%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 15 $4,405,000 $293,667 $3,364 2.94%
    CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 25 $4,175,000 $167,000 $1,494 3.55%
    TUCSON, AZ (FHA|USDA|VA) 14 $4,030,000 $287,857 $3,093 3.31%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 15 $3,545,000 $236,333 $2,553 3.39%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 11 $3,275,000 $297,727 $2,857 2.70%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 11 $2,865,000 $260,455 $3,663 3.18%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 6 $2,850,000 $475,000 $4,420 3.00%
    LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 13 $2,745,000 $211,154 $2,108 3.41%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 10 $2,700,000 $270,000 $1,788 3.60%
    KNOXVILLE, TN (FHA|USDA|VA) 6 $2,550,000 $425,000 $5,053 3.17%
    Galesburg, IL (FHA|USDA|VA) 23 $2,015,000 $87,609 $1,879 3.34%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 5 $1,905,000 $381,000 $2,841 3.04%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 8 $1,730,000 $216,250 $3,449 3.07%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 9 $1,465,000 $162,778 $3,414 3.50%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 5 $1,425,000 $285,000 $4,064 3.00%
    FORT COLLINS, CO (FHA|USDA|VA) 3 $1,365,000 $455,000 $3,569 3.17%
    THE VILLAGES, FL (FHA|USDA|VA) 5 $1,325,000 $265,000 $3,157 3.08%
    LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 4 $1,290,000 $322,500 $2,860 3.44%
    Pontiac, IL (FHA|USDA|VA) 16 $1,290,000 $80,625 $1,492 3.48%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 4 $1,250,000 $312,500 $3,463 2.69%
    Taylorville, IL (FHA|USDA|VA) 16 $1,130,000 $70,625 $1,218 3.51%
    SAVANNAH, GA (FHA|USDA|VA) 5 $1,065,000 $213,000 $3,021 3.37%
    LOUISVILLE, KY (FHA|USDA|VA) 6 $1,060,000 $176,667 $2,225 3.34%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 9 $1,055,000 $117,222 $1,797 4.04%
    DULUTH, MN-WI (FHA|USDA|VA) 1 $1,005,000 $1,005,000 $4,299 3.50%
    CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 2 $950,000 $475,000 $2,686 3.69%
    DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 10 $890,000 $89,000 $1,380 3.53%
    Ottawa, IL (FHA|USDA|VA) 9 $885,000 $98,333 $1,781 3.36%
    COLORADO SPRINGS, CO (FHA|USDA|VA) 3 $865,000 $288,333 $3,012 3.03%
    TUSCALOOSA, AL (FHA|USDA|VA) 2 $860,000 $430,000 $2,636 3.38%
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 3 $845,000 $281,667 $2,425 3.38%
    MERCED, CA (FHA|USDA|VA) 3 $775,000 $258,333 $3,381 3.13%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 4 $760,000 $190,000 $1,303 2.88%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 3 $725,000 $241,667 $3,201 3.10%
    BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 2 $720,000 $360,000 $2,700 3.00%
    CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 4 $660,000 $165,000 $4,393 3.39%
    REDDING, CA (FHA|USDA|VA) 2 $650,000 $325,000 $4,554 3.63%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 3 $645,000 $215,000 $0 4.03%
    Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 2 $630,000 $315,000 $1,918 3.00%
    GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 2 $620,000 $310,000 $1,897 3.19%
    OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 2 $610,000 $305,000 $5,822 2.75%
    Macomb, IL (FHA|USDA|VA) 6 $600,000 $100,000 $1,760 3.15%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 4 $600,000 $150,000 $4,405 3.40%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 3 $595,000 $198,333 $6,018 3.18%
    Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 4 $590,000 $147,500 $2,207 3.25%
    OCALA, FL (FHA|USDA|VA) 6 $590,000 $98,333 $2,779 3.45%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 3 $575,000 $191,667 $2,368 3.62%
    ST. GEORGE, UT (FHA|USDA|VA) 2 $570,000 $285,000 $2,730 3.06%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 4 $550,000 $137,500 $2,670 3.21%
    SIOUX FALLS, SD (FHA|USDA|VA) 1 $545,000 $545,000 $2,668 2.63%
    Oak Harbor, WA (FHA|USDA|VA) 1 $545,000 $545,000 $3,711 3.13%
    OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 1 $535,000 $535,000 $3,020 2.63%
    LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 3 $535,000 $178,333 $2,267 3.13%
    WINSTON-SALEM, NC (FHA|USDA|VA) 2 $530,000 $265,000 $0 4.05%
    Marinette, WI-MI (FHA|USDA|VA) 2 $520,000 $260,000 $1,198 3.20%
    MEMPHIS, TN-MS-AR (FHA|USDA|VA) 2 $480,000 $240,000 $2,487 2.94%
    SALINAS, CA (FHA|USDA|VA) 1 $475,000 $475,000 $2,648 3.38%
    STOCKTON, CA (FHA|USDA|VA) 6 $460,000 $76,667 $663 4.50%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 3 $455,000 $151,667 $2,977 3.41%
    PANAMA CITY, FL (FHA|USDA|VA) 1 $445,000 $445,000 $4,171 3.38%
    Branson, MO (FHA|USDA|VA) 2 $440,000 $220,000 $2,622 3.00%
    LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 2 $440,000 $220,000 $2,610 3.34%
    COLUMBIA, SC (FHA|USDA|VA) 3 $435,000 $145,000 $2,681 3.36%
    PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 1 $425,000 $425,000 $3,966 2.75%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 3 $415,000 $138,333 $3,324 3.83%
    BELLINGHAM, WA (FHA|USDA|VA) 1 $405,000 $405,000 $3,128 2.50%
    CHARLESTON, WV (FHA|USDA|VA) 3 $385,000 $128,333 $3,082 2.83%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 3 $385,000 $128,333 $3,129 3.39%
    Outside of Metro Areas 1 $385,000 $385,000 $3,440 3.38%
    COLUMBUS, IN (FHA|USDA|VA) 1 $365,000 $365,000 $2,247 2.63%
    Big Rapids, MI (FHA|USDA|VA) 1 $365,000 $365,000 $2,498 3.13%
    Jacksonville, IL (FHA|USDA|VA) 7 $355,000 $50,714 $581 3.79%
    HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 1 $355,000 $355,000 $3,689 2.50%
    MACON-BIBB COUNTY, GA (FHA|USDA|VA) 3 $345,000 $115,000 $2,613 2.88%
    GREEN BAY, WI (FHA|USDA|VA) 1 $345,000 $345,000 $3,104 2.50%
    CINCINNATI, OH-KY-IN (FHA|USDA|VA) 1 $325,000 $325,000 $2,669 3.38%
    LAREDO, TX (FHA|USDA|VA) 1 $315,000 $315,000 $4,121 2.50%
    ROANOKE, VA (FHA|USDA|VA) 2 $310,000 $155,000 $2,511 3.80%
    MUSKEGON, MI (FHA|USDA|VA) 2 $310,000 $155,000 $2,509 3.93%
    ANN ARBOR, MI (FHA|USDA|VA) 1 $305,000 $305,000 $1,341 2.38%
    TOLEDO, OH (FHA|USDA|VA) 2 $300,000 $150,000 $2,310 2.88%
    EL PASO, TX (FHA|USDA|VA) 1 $295,000 $295,000 $3,883 3.38%
    NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 1 $295,000 $295,000 $0 3.90%
    CARBONDALE-MARION, IL (FHA|USDA|VA) 3 $295,000 $98,333 $3,166 3.43%
    STATE COLLEGE, PA (FHA|USDA|VA) 1 $275,000 $275,000 $3,485 2.63%
    SPRINGFIELD, MO (FHA|USDA|VA) 2 $270,000 $135,000 $2,216 3.80%
    CLARKSVILLE, TN-KY (FHA|USDA|VA) 2 $260,000 $130,000 $777 3.73%
    KANKAKEE, IL (FHA|USDA|VA) 2 $260,000 $130,000 $2,219 3.71%
    Gardnerville Ranchos, NV (FHA|USDA|VA) 1 $255,000 $255,000 $0 4.05%
    Owatonna, MN (FHA|USDA|VA) 1 $245,000 $245,000 $3,036 3.38%
    DAYTON-KETTERING, OH (FHA|USDA|VA) 1 $235,000 $235,000 $2,636 2.63%
    Oskaloosa, IA (FHA|USDA|VA) 1 $235,000 $235,000 $2,519 3.50%
    London, KY (FHA|USDA|VA) 1 $235,000 $235,000 $2,918 3.88%
    COLUMBUS, OH (FHA|USDA|VA) 2 $220,000 $110,000 $0 4.05%
    Sonora, CA (FHA|USDA|VA) 1 $215,000 $215,000 $2,582 2.75%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 3 $215,000 $71,667 $1,479 3.63%
    OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 2 $210,000 $105,000 $0 4.05%
    ROCKFORD, IL (FHA|USDA|VA) 1 $205,000 $205,000 $1,818 3.38%
    Frankfort, IN (FHA|USDA|VA) 1 $205,000 $205,000 $2,035 3.38%
    Baraboo, WI (FHA|USDA|VA) 1 $205,000 $205,000 $2,583 3.38%
    Hilo, HI (FHA|USDA|VA) 1 $205,000 $205,000 $3,526 2.63%
    Mount Vernon, IL (FHA|USDA|VA) 1 $205,000 $205,000 $2,400 3.38%
    CLEVELAND, TN (FHA|USDA|VA) 1 $205,000 $205,000 $2,606 3.13%
    BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 3 $205,000 $68,333 $0 4.13%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 3 $205,000 $68,333 $0 4.71%
    Centralia, IL (FHA|USDA|VA) 1 $205,000 $205,000 $2,272 3.38%
    SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 2 $200,000 $100,000 $0 4.05%
    LAFAYETTE, LA (FHA|USDA|VA) 1 $195,000 $195,000 $1,747 3.38%
    SPARTANBURG, SC (FHA|USDA|VA) 1 $185,000 $185,000 $2,192 2.63%
    DUBUQUE, IA (FHA|USDA|VA) 1 $185,000 $185,000 $2,091 3.38%
    Georgetown, SC (FHA|USDA|VA) 1 $185,000 $185,000 $2,954 2.50%
    JACKSONVILLE, FL (FHA|USDA|VA) 4 $180,000 $45,000 $2,332 3.70%
    DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 1 $175,000 $175,000 $2,822 2.50%
    Oneonta, NY (FHA|USDA|VA) 1 $175,000 $175,000 $2,617 2.63%
    GADSDEN, AL (FHA|USDA|VA) 1 $175,000 $175,000 $2,288 3.38%
    CORPUS CHRISTI, TX (FHA|USDA|VA) 1 $175,000 $175,000 $3,108 3.38%
    HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 1 $165,000 $165,000 $2,306 2.75%
    FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 1 $165,000 $165,000 $1,896 3.38%
    Paris, TX (FHA|USDA|VA) 1 $165,000 $165,000 $3,137 3.38%
    RENO, NV (FHA|USDA|VA) 1 $165,000 $165,000 $2,375 2.63%
    Russellville, AR (FHA|USDA|VA) 1 $165,000 $165,000 $2,096 2.63%
    KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 1 $155,000 $155,000 $2,186 2.63%
    MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 1 $155,000 $155,000 $2,787 3.50%
    SANTA FE, NM (FHA|USDA|VA) 1 $155,000 $155,000 $3,611 3.38%
    Lebanon, MO (FHA|USDA|VA) 1 $155,000 $155,000 $2,061 2.63%
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 1 $155,000 $155,000 $1,813 3.38%
    PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 1 $155,000 $155,000 $0 4.05%
    Freeport, IL (FHA|USDA|VA) 1 $145,000 $145,000 $1,668 2.63%
    GAINESVILLE, FL (FHA|USDA|VA) 1 $145,000 $145,000 $2,150 2.63%
    DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 1 $145,000 $145,000 $3,691 3.13%
    EAU CLAIRE, WI (FHA|USDA|VA) 1 $145,000 $145,000 $1,898 3.38%
    Hannibal, MO (FHA|USDA|VA) 1 $135,000 $135,000 $1,418 3.38%
    Tupelo, MS (FHA|USDA|VA) 1 $135,000 $135,000 $1,880 3.88%
    Quincy, IL-MO (FHA|USDA|VA) 1 $135,000 $135,000 $1,937 2.63%
    CHICO, CA (FHA|USDA|VA) 1 $135,000 $135,000 $0 4.05%
    SUMTER, SC (FHA|USDA|VA) 2 $130,000 $65,000 $2,778 3.42%
    ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 1 $125,000 $125,000 $2,766 3.38%
    Seymour, IN (FHA|USDA|VA) 1 $125,000 $125,000 $1,768 3.38%
    Red Bluff, CA (FHA|USDA|VA) 1 $125,000 $125,000 $0 4.05%
    HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 1 $125,000 $125,000 $2,816 3.38%
    SEBRING-AVON PARK, FL (FHA|USDA|VA) 1 $125,000 $125,000 $3,975 2.63%
    Huntsville, TX (FHA|USDA|VA) 1 $125,000 $125,000 $2,858 2.63%
    Corinth, MS (FHA|USDA|VA) 1 $125,000 $125,000 $0 4.09%
    Dixon, IL (FHA|USDA|VA) 1 $115,000 $115,000 $2,376 3.88%
    FOND DU LAC, WI (FHA|USDA|VA) 1 $115,000 $115,000 $1,889 2.63%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 1 $115,000 $115,000 $2,485 2.63%
    JEFFERSON CITY, MO (FHA|USDA|VA) 1 $115,000 $115,000 $2,034 2.63%
    Danville, KY (FHA|USDA|VA) 1 $105,000 $105,000 $0 4.05%
    Kinston, NC (FHA|USDA|VA) 1 $105,000 $105,000 $2,676 2.75%
    SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 1 $105,000 $105,000 $0 4.09%
    Rochelle, IL (FHA|USDA|VA) 1 $105,000 $105,000 $1,848 3.25%
    TERRE HAUTE, IN (FHA|USDA|VA) 1 $105,000 $105,000 $0 4.05%
    OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 1 $105,000 $105,000 $0 6.99%
    CHATTANOOGA, TN-GA (FHA|USDA|VA) 1 $105,000 $105,000 $0 4.05%
    PUNTA GORDA, FL (FHA|USDA|VA) 1 $105,000 $105,000 $2,732 3.38%
    Mountain Home, AR (FHA|USDA|VA) 1 $105,000 $105,000 $1,846 3.38%
    DOTHAN, AL (FHA|USDA|VA) 1 $105,000 $105,000 $3,362 3.13%
    West Plains, MO (FHA|USDA|VA) 1 $85,000 $85,000 $2,237 2.88%
    RICHMOND, VA (FHA|USDA|VA) 1 $85,000 $85,000 $0 4.09%
    Scottsburg, IN (FHA|USDA|VA) 1 $85,000 $85,000 $1,757 2.75%
    MADISON, WI (FHA|USDA|VA) 1 $75,000 $75,000 $0 4.09%
    Whitewater, WI (FHA|USDA|VA) 1 $75,000 $75,000 $0 4.00%
    FORT WAYNE, IN (FHA|USDA|VA) 1 $75,000 $75,000 $0 4.09%
    Seneca, SC (FHA|USDA|VA) 1 $75,000 $75,000 $0 4.05%
    Fort Leonard Wood, MO (FHA|USDA|VA) 1 $75,000 $75,000 $1,667 3.50%
    YUBA CITY, CA (FHA|USDA|VA) 1 $75,000 $75,000 $0 4.09%
    APPLETON, WI (FHA|USDA|VA) 1 $75,000 $75,000 $0 4.05%
    ST. JOSEPH, MO-KS (FHA|USDA|VA) 1 $65,000 $65,000 $2,044 2.75%
    AKRON, OH (FHA|USDA|VA) 1 $65,000 $65,000 $0 4.09%
    Rolla, MO (FHA|USDA|VA) 1 $65,000 $65,000 $482 3.50%
    Peru, IN (FHA|USDA|VA) 1 $55,000 $55,000 $0 4.09%
    Clinton, IA (FHA|USDA|VA) 1 $55,000 $55,000 $0 4.09%
    LAS CRUCES, NM (FHA|USDA|VA) 1 $45,000 $45,000 $0 6.99%
    New Castle, PA (FHA|USDA|VA) 1 $35,000 $35,000 $0 4.05%
    BOWLING GREEN, KY (FHA|USDA|VA) 1 $35,000 $35,000 $0 4.09%
    WICHITA, KS (FHA|USDA|VA) 1 $35,000 $35,000 $0 4.33%
    YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 1 $35,000 $35,000 $0 4.09%
    GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 1 $35,000 $35,000 $0 4.09%
    BECKLEY, WV (FHA|USDA|VA) 1 $25,000 $25,000 $0 4.05%
    Murray, KY (FHA|USDA|VA) 1 $15,000 $15,000 $0 4.05%
    PITTSBURGH, PA (FHA|USDA|VA) 1 $15,000 $15,000 $0 4.05%
    Bluefield, WV-VA (FHA|USDA|VA) 1 $15,000 $15,000 $0 5.99%
    Citizens Equity First's top markets include Peoria, Bloomington, San Jose, Springfield, and Lincoln among others.

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

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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 2,947 $469,395,000 $159,279 $1,726 3.19%
    HELOC 1,098 $77,650,000 $70,719 n/a 4.07%
    USDA 59 $5,825,000 $98,729 $1,934 3.08%

    For 2021, Citizens Equity First's most frequently originated type of loan was Conventional, with 2,947 originations. Their 2nd most popular type was HELOC, with 1,098 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 1,482 $251,790,000 $169,899 $1,648 3.25%
    Refi 867 $113,235,000 $130,606 $1,858 3.33%
    Cash Out Refi 765 $123,925,000 $161,993 $2,123 2.99%
    Home Improvement 590 $35,460,000 $60,102 $52 4.17%
    Other 400 $28,460,000 $71,150 $1,082 4.01%

    For 2021, Citizens Equity First's most frequently cited loan purpose was Home Purchase, with 1,482 originations. The 2nd most popular reason was Refi, with 867 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,530 $287,660,000 $188,013 $1,790 3.33%
    Other 1,117 $80,455,000 $72,028 $778 4.08%
    15 Year 1,038 $144,850,000 $139,547 $1,862 2.77%
    10 Year 211 $18,415,000 $87,275 $1,321 3.39%
    5 Year 106 $3,200,000 $30,189 $6 4.16%
    20 Year 81 $10,785,000 $133,148 $1,801 3.54%
    30+ year 17 $7,165,000 $421,471 $3,931 3.85%
    3 Year 4 $340,000 $85,000 $0 3.91%

    For 2021, Citizens Equity First's most frequently cited loan duration was 30 Year, with 1,530 originations. The 2nd most popular length was Other, with 1,117 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 2,725 $432,675,000 $158,780
    $1k-2k 132 $16,840,000 $127,576
    $2k-3k 32 $7,410,000 $231,563
    $3k-4k 14 $3,450,000 $246,429
    $4k-5k 7 $2,975,000 $425,000
    $5k+ 7 $2,725,000 $389,286

    Citizens Equity First's average total fees were $1,790, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 2,725 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 1,540 $260,780,000 $169,338
    2.5-3% 1,190 $173,500,000 $145,798
    4-5% 1,185 $79,695,000 $67,253
    <2.5% 135 $36,665,000 $271,593
    5-6% 33 $1,175,000 $35,606
    6-7% 15 $705,000 $47,000
    7-8% 5 $185,000 $37,000

    During 2021, Citizens Equity First's average interest rate for loans was 3.33%, while their most frequently originated rate bucket for loans was 3-4%, with 1,540 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 2,054 $110,050,000 $53,578 $1,256 3.68%
    $100k-200k 1,281 $176,725,000 $137,959 $1,740 3.19%
    $200k-400k 592 $158,130,000 $267,111 $2,256 3.12%
    $400k-600k 127 $60,625,000 $477,362 $3,103 3.18%
    $600k-1MM 37 $28,345,000 $766,081 $3,459 3.23%
    $1MM+ 13 $18,995,000 $1,461,154 $4,222 2.95%

    2021 saw Citizens Equity First place emphasis on $100,000 or less loans with 2,054 originations, totaling $110,050,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 1,863 $130,095,000 $69,831 $1,061 3.88%
    $50k-75k 642 $73,450,000 $114,408 $1,638 3.13%
    $100k-150k 582 $112,340,000 $193,024 $2,079 3.02%
    $75k-100k 447 $65,515,000 $146,566 $1,832 3.04%
    $150k-250k 377 $104,105,000 $276,141 $2,343 2.95%
    $250k+ 119 $57,545,000 $483,571 $2,738 2.92%

    Citizens Equity First lent most frequently to those with incomes in the $50k or less range, with 1,863 originations. The second most popular income band? $50k-75k, with 642 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 1,270 $170,820,000 $134,504 $1,702 3.39%
    30-36% 770 $101,670,000 $132,039 $1,698 3.49%
    <20% 743 $86,325,000 $116,184 $1,622 3.29%
    36% 127 $16,095,000 $126,732 $1,599 3.55%
    37% 121 $15,375,000 $127,066 $1,568 3.53%
    39% 117 $19,495,000 $166,624 $1,869 3.51%
    40% 114 $17,070,000 $149,737 $1,880 3.43%
    38% 112 $17,370,000 $155,089 $1,763 3.45%
    41% 111 $17,355,000 $156,351 $1,991 3.48%
    42% 110 $16,460,000 $149,636 $1,819 3.39%
    44% 99 $18,135,000 $183,182 $2,230 3.35%
    43% 79 $12,775,000 $161,709 $1,937 3.43%
    45% 59 $9,685,000 $164,153 $2,157 3.47%
    50-60% 56 $5,560,000 $99,286 $1,724 3.90%
    >60% 51 $3,905,000 $76,569 $1,403 3.93%
    46% 48 $6,580,000 $137,083 $1,854 3.40%
    47% 43 $6,345,000 $147,558 $1,707 3.42%
    48% 33 $5,145,000 $155,909 $1,927 3.55%
    49% 25 $3,875,000 $155,000 $2,267 3.45%

    Citizens Equity First lent most frequently to those with DTI ratios of 20-30%, with 1,270 originations. The next most common DTI ratio? 30-36%, with 770 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 3,494 $453,050,000 $129,665 $1,703 3.43%
    Not provided 283 $46,625,000 $164,753 $1,970 3.43%
    Asian 99 $20,015,000 $202,172 $2,160 3.40%
    Black 126 $15,070,000 $119,603 $1,438 3.46%
    American Indian 38 $5,960,000 $156,842 $1,921 3.33%
    Not applicable 33 $3,905,000 $118,333 $0 3.74%
    Asian Indian 15 $3,645,000 $243,000 $2,163 2.95%
    Other Asian 6 $1,860,000 $310,000 $2,477 2.81%
    Chinese 1 $1,165,000 $1,165,000 $11,656 3.13%
    Filipino 1 $515,000 $515,000 $3,051 3.38%
    Native Hawaiian or Islander 5 $405,000 $81,000 $960 3.77%
    Samoan 1 $265,000 $265,000 $2,654 3.38%
    Japanese 1 $235,000 $235,000 $1,517 2.63%
    Korean 1 $155,000 $155,000 $1,521 2.50%

    Approval Rates

    Total approvals of all applications
    91.58%

    Citizens Equity First has an average approval rate.

    Pick Rate

    Approvals leading to origination
    67.11%

    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 4,104 $552,870,000 $134,715

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    4,104 $552,870,000 $134,715

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 580 $50,770,000 $87,534 $1,607 3.83%
    40-60% 566 $82,030,000 $144,929 $1,979 3.23%
    60-80% 1,300 $222,540,000 $171,185 $1,935 3.10%
    80-100% 1,061 $168,655,000 $158,959 $1,586 3.29%
    Over 100% 4 $340,000 $85,000 $2,436 3.03%
    Under 20% 593 $28,535,000 $48,120 $273 4.17%

    Complaints

    Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 54 15.6%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Closing on a mortgage 22 6.3%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Improper use of your report 1 0.3%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Incorrect information on your report 6 1.7%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Problem with a credit reporting company's investigation into an existing problem 3 0.9%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Struggling to pay mortgage 27 7.8%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Trouble during payment process 116 33.4%
    CITIZENS FINANCIAL GROUP, INC. FHA mortgage Applying for a mortgage or refinancing an existing mortgage 7 2.0%
    CITIZENS FINANCIAL GROUP, INC. FHA mortgage Closing on a mortgage 4 1.2%
    CITIZENS FINANCIAL GROUP, INC. FHA mortgage Struggling to pay mortgage 15 4.3%
    CITIZENS FINANCIAL GROUP, INC. FHA mortgage Trouble during payment process 19 5.5%
    CITIZENS FINANCIAL GROUP, INC. Home equity loan or line of credit (HELOC) Applying for a mortgage or refinancing an existing mortgage 7 2.0%
    CITIZENS FINANCIAL GROUP, INC. Home equity loan or line of credit (HELOC) Closing on a mortgage 4 1.2%
    CITIZENS FINANCIAL GROUP, INC. Home equity loan or line of credit (HELOC) Incorrect information on your report 2 0.6%
    CITIZENS FINANCIAL GROUP, INC. Home equity loan or line of credit (HELOC) Struggling to pay mortgage 2 0.6%
    CITIZENS FINANCIAL GROUP, INC. Home equity loan or line of credit (HELOC) Trouble during payment process 27 7.8%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Applying for a mortgage or refinancing an existing mortgage 5 1.4%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Closing on a mortgage 3 0.9%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Improper use of your report 1 0.3%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Incorrect information on your report 1 0.3%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Struggling to pay mortgage 3 0.9%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Trouble during payment process 13 3.7%
    CITIZENS FINANCIAL GROUP, INC. VA mortgage Struggling to pay mortgage 2 0.6%
    CITIZENS FINANCIAL GROUP, INC. VA mortgage Trouble during payment process 3 0.9%