Citizens Equity First Mortgage Rates, Fees & Info
Peoria, ILLEI: 549300YD7XJM19TH5O82
Tax ID: 37-6028123
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Mortgage Data
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, Springfield, and Dallas 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 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 6.27% | 4/21/24 |
| 30 Year Conventional Purchase | 6.41% | 4/21/24 |
| 30 Year Conventional Refi | 6.29% | 4/21/24 |
| 30 Year Cash-out Refi | 6.35% | 4/21/24 |
| 30 Year USDA Purchase | 7.12% | 4/21/24 |
| 15 Year Conventional Purchase | 5.69% | 4/21/24 |
| 15 Year Conventional Refi | 5.81% | 4/21/24 |
| 15 Year Cash-out Refi | 5.81% | 4/21/24 |
| 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
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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
4,044Origination Dollar Volume (All Markets)
$598,860,000Awards
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CITIZENS EQUITY FIRST - 2022
CITIZENS EQUITY FIRST is a 2022 , due to their low .
For 2022, less than of lenders were eligible for this award.
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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) | 2,062 | $234,170,000 | $113,565 | $1,611 | 4.51% |
| BLOOMINGTON, IL (FHA|USDA|VA) | 340 | $44,420,000 | $130,647 | $1,713 | 4.60% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 120 | $33,310,000 | $277,583 | $3,956 | 4.40% |
| SPRINGFIELD, IL (FHA|USDA|VA) | 268 | $30,740,000 | $114,701 | $1,466 | 4.70% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 44 | $20,380,000 | $463,182 | $3,383 | 4.16% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 77 | $19,505,000 | $253,312 | $3,449 | 4.26% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 37 | $14,795,000 | $399,865 | $3,594 | 4.33% |
| Outside of Metro Areas | 107 | $13,405,000 | $125,280 | $2,061 | 4.48% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 45 | $12,555,000 | $279,000 | $2,513 | 4.51% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 63 | $8,765,000 | $139,127 | $1,704 | 4.64% |
| DECATUR, IL (FHA|USDA|VA) | 92 | $8,030,000 | $87,283 | $1,689 | 4.77% |
| Lincoln, IL (FHA|USDA|VA) | 103 | $7,985,000 | $77,524 | $1,437 | 4.67% |
| TUCSON, AZ (FHA|USDA|VA) | 22 | $6,700,000 | $304,545 | $2,821 | 3.91% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 23 | $6,235,000 | $271,087 | $3,042 | 4.22% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 25 | $6,035,000 | $241,400 | $2,223 | 4.12% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 18 | $6,030,000 | $335,000 | $2,346 | 4.24% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 14 | $5,490,000 | $392,143 | $2,398 | 4.20% |
| LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) | 14 | $4,090,000 | $292,143 | $765 | 4.18% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 18 | $3,830,000 | $212,778 | $1,741 | 4.21% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 7 | $3,345,000 | $477,857 | $2,618 | 4.20% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 9 | $2,965,000 | $329,444 | $1,008 | 4.29% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 12 | $2,940,000 | $245,000 | $3,944 | 4.66% |
| Galesburg, IL (FHA|USDA|VA) | 28 | $2,790,000 | $99,643 | $1,584 | 4.78% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 11 | $2,765,000 | $251,364 | $3,833 | 3.85% |
| CHAMPAIGN-URBANA, IL (FHA|USDA|VA) | 26 | $2,750,000 | $105,769 | $1,397 | 4.71% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 7 | $2,545,000 | $363,571 | $4,483 | 3.79% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 13 | $2,445,000 | $188,077 | $3,487 | 4.23% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 5 | $2,435,000 | $487,000 | $1,169 | 3.70% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 5 | $2,325,000 | $465,000 | $2,428 | 4.15% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 5 | $2,165,000 | $433,000 | $2,000 | 4.13% |
| BOISE CITY, ID (FHA|USDA|VA) | 5 | $1,755,000 | $351,000 | $2,005 | 4.75% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 10 | $1,720,000 | $172,000 | $3,503 | 4.11% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 6 | $1,710,000 | $285,000 | $939 | 4.35% |
| Pontiac, IL (FHA|USDA|VA) | 19 | $1,645,000 | $86,579 | $2,063 | 4.49% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 6 | $1,590,000 | $265,000 | $1,533 | 4.06% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 7 | $1,565,000 | $223,571 | $2,855 | 4.80% |
| ASHEVILLE, NC (FHA|USDA|VA) | 6 | $1,510,000 | $251,667 | $3,679 | 4.29% |
| KNOXVILLE, TN (FHA|USDA|VA) | 6 | $1,490,000 | $248,333 | $4,134 | 4.46% |
| DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) | 11 | $1,455,000 | $132,273 | $1,875 | 4.65% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 3 | $1,455,000 | $485,000 | $842 | 3.79% |
| SALINAS, CA (FHA|USDA|VA) | 2 | $1,430,000 | $715,000 | $3,775 | 3.50% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 5 | $1,385,000 | $277,000 | $3,406 | 3.73% |
| LOUISVILLE, KY (FHA|USDA|VA) | 7 | $1,385,000 | $197,857 | $2,566 | 4.86% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 7 | $1,335,000 | $190,714 | $2,432 | 4.16% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 3 | $1,335,000 | $445,000 | $2,999 | 4.58% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 5 | $1,205,000 | $241,000 | $6,986 | 4.08% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 4 | $1,150,000 | $287,500 | $2,783 | 4.72% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 5 | $1,145,000 | $229,000 | $3,348 | 3.50% |
| MADISON, WI (FHA|USDA|VA) | 4 | $1,130,000 | $282,500 | $2,180 | 5.09% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 5 | $1,125,000 | $225,000 | $3,016 | 4.15% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 4 | $1,080,000 | $270,000 | $592 | 4.59% |
| ROCKFORD, IL (FHA|USDA|VA) | 3 | $1,015,000 | $338,333 | $2,283 | 4.33% |
| NEW BERN, NC (FHA|USDA|VA) | 1 | $965,000 | $965,000 | $10,410 | 3.63% |
| RENO, NV (FHA|USDA|VA) | 3 | $905,000 | $301,667 | $3,001 | 3.88% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 5 | $865,000 | $173,000 | $2,608 | 3.85% |
| Ottawa, IL (FHA|USDA|VA) | 9 | $865,000 | $96,111 | $2,349 | 5.28% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 2 | $850,000 | $425,000 | $0 | 4.69% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 1 | $815,000 | $815,000 | $2,652 | 3.50% |
| COLUMBIA, SC (FHA|USDA|VA) | 4 | $800,000 | $200,000 | $3,140 | 5.03% |
| COLUMBIA, MO (FHA|USDA|VA) | 3 | $785,000 | $261,667 | $1,645 | 3.42% |
| Quincy, IL-MO (FHA|USDA|VA) | 3 | $775,000 | $258,333 | $2,041 | 4.58% |
| YUBA CITY, CA (FHA|USDA|VA) | 2 | $770,000 | $385,000 | $4,961 | 4.13% |
| MANHATTAN, KS (FHA|USDA|VA) | 3 | $765,000 | $255,000 | $3,884 | 3.92% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 3 | $755,000 | $251,667 | $3,002 | 4.92% |
| THE VILLAGES, FL (FHA|USDA|VA) | 4 | $750,000 | $187,500 | $4,083 | 4.34% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 3 | $735,000 | $245,000 | $4,097 | 4.92% |
| Clearlake, CA (FHA|USDA|VA) | 2 | $730,000 | $365,000 | $5,690 | 5.19% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 1 | $715,000 | $715,000 | $5,584 | 4.75% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 3 | $705,000 | $235,000 | $2,261 | 4.17% |
| Taylorville, IL (FHA|USDA|VA) | 13 | $705,000 | $54,231 | $1,962 | 4.83% |
| Brainerd, MN (FHA|USDA|VA) | 2 | $690,000 | $345,000 | $2,901 | 4.06% |
| Jacksonville, IL (FHA|USDA|VA) | 7 | $675,000 | $96,429 | $1,829 | 5.02% |
| RICHMOND, VA (FHA|USDA|VA) | 4 | $670,000 | $167,500 | $833 | 4.25% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 2 | $650,000 | $325,000 | $2,854 | 3.94% |
| Spearfish, SD (FHA|USDA|VA) | 1 | $645,000 | $645,000 | $2,449 | 3.88% |
| DANVILLE, IL (FHA|USDA|VA) | 3 | $635,000 | $211,667 | $1,818 | 4.33% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 2 | $620,000 | $310,000 | $3,064 | 3.88% |
| Forest City, NC (FHA|USDA|VA) | 1 | $615,000 | $615,000 | $3,136 | 4.25% |
| COLUMBUS, IN (FHA|USDA|VA) | 3 | $595,000 | $198,333 | $1,544 | 4.58% |
| JACKSON, MS (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $2,232 | 4.69% |
| AMES, IA (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $2,772 | 4.94% |
| VICTORIA, TX (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $375 | 3.19% |
| Macomb, IL (FHA|USDA|VA) | 4 | $550,000 | $137,500 | $2,279 | 4.56% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $4,910 | 3.38% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $4,503 | 4.69% |
| Boone, NC (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $3,508 | 5.25% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $5,485 | 2.88% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 4 | $500,000 | $125,000 | $1,218 | 3.59% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $0 | 3.63% |
| CARBONDALE-MARION, IL (FHA|USDA|VA) | 5 | $485,000 | $97,000 | $1,575 | 4.20% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 3 | $475,000 | $158,333 | $2,531 | 4.25% |
| CASPER, WY (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $2,472 | 4.00% |
| Muscatine, IA (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $1,487 | 4.13% |
| STOCKTON, CA (FHA|USDA|VA) | 3 | $465,000 | $155,000 | $2,521 | 4.21% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $2,085 | 6.00% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 3 | $435,000 | $145,000 | $3,847 | 3.75% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $2,044 | 3.38% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $2,765 | 4.06% |
| TOLEDO, OH (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $3,162 | 4.56% |
| KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $2,438 | 5.06% |
| Marion, NC (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $4,561 | 4.63% |
| GAINESVILLE, FL (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $2,663 | 4.75% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $6,612 | 3.25% |
| MOBILE, AL (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $2,141 | 3.88% |
| Batesville, AR (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $3,291 | 4.94% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 3 | $385,000 | $128,333 | $1,952 | 4.17% |
| MERCED, CA (FHA|USDA|VA) | 5 | $385,000 | $77,000 | $0 | 4.70% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $2,901 | 5.06% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $2,486 | 4.06% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 3 | $365,000 | $121,667 | $2,898 | 4.83% |
| Charleston-Mattoon, IL (FHA|USDA|VA) | 4 | $360,000 | $90,000 | $964 | 4.84% |
| Paducah, KY-IL (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $3,614 | 3.25% |
| BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $5,039 | 5.00% |
| Pierre, SD (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $3,538 | 3.50% |
| Whitewater, WI (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $2,296 | 4.69% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $10 | 4.75% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $3,262 | 4.00% |
| FORT WAYNE, IN (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $2,355 | 3.69% |
| Athens, TX (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $0 | 4.00% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $3,114 | 3.50% |
| SPARTANBURG, SC (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $103 | 3.75% |
| PANAMA CITY, FL (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $0 | 5.50% |
| Alma, MI (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $3,821 | 5.38% |
| Helena, MT (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $2,982 | 4.44% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $2,309 | 3.38% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $3,047 | 5.56% |
| Port Angeles, WA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $1,473 | 5.00% |
| London, KY (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $3,207 | 6.00% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $11,638 | 5.38% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $2,238 | 4.00% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $3,409 | 3.88% |
| BURLINGTON, NC (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $2,680 | 3.50% |
| Hilo, HI (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $4,070 | 2.63% |
| SEBRING-AVON PARK, FL (FHA|USDA|VA) | 3 | $255,000 | $85,000 | $2,500 | 4.04% |
| OCALA, FL (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $3,691 | 3.38% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $2,907 | 5.00% |
| Mountain Home, AR (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $2,357 | 3.69% |
| Branson, MO (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $7,034 | 4.50% |
| PITTSBURGH, PA (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $3,674 | 5.63% |
| FLORENCE, SC (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $0 | 6.25% |
| Platteville, WI (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,393 | 6.00% |
| RACINE, WI (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $1,970 | 3.75% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $2,445 | 5.06% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 3 | $215,000 | $71,667 | $0 | 4.83% |
| Willmar, MN (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $2,896 | 4.25% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,706 | 3.13% |
| ANNISTON-OXFORD, AL (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,868 | 2.88% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,645 | 5.75% |
| Faribault-Northfield, MN (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 4.25% |
| ST. CLOUD, MN (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,902 | 4.50% |
| ST. JOSEPH, MO-KS (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,414 | 5.38% |
| CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $2,150 | 4.44% |
| LONGVIEW, TX (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,275 | 2.75% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,875 | 2.63% |
| FORT COLLINS, CO (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,822 | 5.50% |
| Jesup, GA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,253 | 4.38% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,133 | 2.75% |
| LAWRENCE, KS (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 4.50% |
| Cedartown, GA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $1,023 | 3.75% |
| West Plains, MO (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,222 | 3.63% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $1,212 | 3.38% |
| Marquette, MI (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 4.15% |
| Dixon, IL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $969 | 4.88% |
| Effingham, IL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $483 | 4.88% |
| BLOOMINGTON, IN (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 3.75% |
| Rochelle, IL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 3.75% |
| Greeneville, TN (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,120 | 3.38% |
| Richmond-Berea, KY (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $1,478 | 3.38% |
| Sturgis, MI (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,144 | 4.00% |
| SHEBOYGAN, WI (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $1,809 | 3.38% |
| COLUMBUS, OH (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 5.25% |
| WICHITA, KS (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,195 | 3.00% |
| SALEM, OR (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,791 | 5.00% |
| LANCASTER, PA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,080 | 2.75% |
| KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 3.75% |
| KANKAKEE, IL (FHA|USDA|VA) | 2 | $120,000 | $60,000 | $0 | 4.38% |
| Mount Vernon, IL (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $1,188 | 4.50% |
| JACKSON, TN (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,636 | 4.13% |
| Findlay, OH (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,317 | 5.75% |
| Escanaba, MI (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,057 | 4.88% |
| Winnemucca, NV (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 4.50% |
| VISALIA, CA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 3.75% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 4.50% |
| SAVANNAH, GA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,176 | 3.88% |
| Hannibal, MO (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $1,492 | 4.38% |
| St. Marys, GA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,472 | 2.63% |
| FARGO, ND-MN (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 3.75% |
| HOT SPRINGS, AR (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $1,726 | 2.63% |
| Corinth, MS (FHA|USDA|VA) | 2 | $100,000 | $50,000 | $535 | 3.81% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 2 | $100,000 | $50,000 | $0 | 4.50% |
| JEFFERSON CITY, MO (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 5.25% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 5.38% |
| Tupelo, MS (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $1,138 | 4.13% |
| GAINESVILLE, GA (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 4.50% |
| FRESNO, CA (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 5.75% |
| MODESTO, CA (FHA|USDA|VA) | 2 | $80,000 | $40,000 | $0 | 4.13% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 3.75% |
| Frankfort, IN (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 3.75% |
| LYNCHBURG, VA (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 4.50% |
| CLEVELAND, TN (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 6.50% |
| Kill Devil Hills, NC (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 5.50% |
| Sonora, CA (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 4.50% |
| GREELEY, CO (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 5.25% |
| WILMINGTON, NC (FHA|USDA|VA) | 2 | $60,000 | $30,000 | $0 | 4.38% |
| Elko, NV (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 4.50% |
| CARSON CITY, NV (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 3.75% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 4.50% |
| Poplar Bluff, MO (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 5.50% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 4.75% |
| TULSA, OK (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 5.50% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 5.50% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 5.75% |
| Clinton, IA (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 5.50% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 4.50% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 3.75% |
| MUSKEGON, MI (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 5.50% |
| Sanford, NC (FHA|USDA|VA) | 1 | $15,000 | $15,000 | $0 | 3.75% |
| NILES, MI (FHA|USDA|VA) | 1 | $15,000 | $15,000 | $0 | 5.00% |
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Product Mix
For 2022, Citizens Equity First's most frequently originated type of loan was Conventional, with 2,221 originations. Their 2nd most popular type was HELOC, with 1,812 originations.
Loan Reason
For 2022, Citizens Equity First's most frequently cited loan purpose was Home Purchase, with 1,775 originations. The 2nd most popular reason was Home Improvement, with 838 originations.
Loan Duration/Length
For 2022, Citizens Equity First's most frequently cited loan duration was Other, with 1,817 originations. The 2nd most popular length was 30 Year, with 1,626 originations.
Origination Fees/Closing Costs
Citizens Equity First's average total fees were $1,914, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 2,019 originations.
Interest Rates
During 2022, Citizens Equity First's average interest rate for loans was 4.54%, while their most frequently originated rate bucket for loans was 4-5%, with 1,388 originations.
Loan Sizing
2022 saw Citizens Equity First place emphasis on $100,000 or less loans with 2,010 originations, totaling $99,930,000 in origination value.
Applicant Income
Citizens Equity First lent most frequently to those with incomes in the $50k or less range, with 2,182 originations. The second most popular income band? $100k-150k, with 525 originations.
Applicant Debt to Income Ratio
Citizens Equity First lent most frequently to those with DTI ratios of 20-30%, with 1,176 originations. The next most common DTI ratio? 30-36%, with 846 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications90.27%
Citizens Equity First has an average approval rate.
Pick Rate
Approvals leading to origination67.98%
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 | 4,044 | $598,860,000 | $148,086 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2022 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| CITIZENS FINANCIAL GROUP, INC. | Conventional home mortgage | Closing on a mortgage | 1 | 10.0% |
| CITIZENS FINANCIAL GROUP, INC. | Conventional home mortgage | Struggling to pay mortgage | 3 | 30.0% |
| CITIZENS FINANCIAL GROUP, INC. | Conventional home mortgage | Trouble during payment process | 4 | 40.0% |
| CITIZENS FINANCIAL GROUP, INC. | Home equity loan or line of credit (HELOC) | Trouble during payment process | 1 | 10.0% |
| CITIZENS FINANCIAL GROUP, INC. | VA mortgage | Trouble during payment process | 1 | 10.0% |