Citizens Equity First Mortgage Rates, Fees & Info

Peoria, IL

LEI: 549300YD7XJM19TH5O82

Tax ID: 37-6028123

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

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    • Review & Overview

    Citizens Equity First is a smaller mortgage company specializing in Home Purchase loans. Citizens Equity First has a high proportion of conventional loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Peoria, Bloomington, San Jose, 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.

    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

    4,044

    Origination Dollar Volume (All Markets)

    $598,860,000
    Show all (26) 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) 2,062 $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%
    Citizens Equity First's top markets include Peoria, Bloomington, San Jose, Springfield, and Dallas among others.

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

    Alliance Community Bank
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 2,221 $463,855,000 $208,850 $1,916 4.35%
    HELOC 1,812 $133,960,000 $73,929 n/a 4.69%
    USDA 11 $1,045,000 $95,000 $2,102 4.49%

    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

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 1,775 $382,415,000 $215,445 $1,816 4.52%
    Home Improvement 838 $56,430,000 $67,339 $679 4.63%
    Other 548 $36,190,000 $66,040 $43 4.85%
    Refi 527 $58,695,000 $111,376 $2,026 4.29%
    Cash Out Refi 355 $65,085,000 $183,338 $2,386 3.90%
    NA 1 $45,000 $45,000 $0 5.25%

    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

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 1,817 $132,985,000 $73,189 $1,315 4.69%
    30 Year 1,626 $371,230,000 $228,309 $1,914 4.54%
    15 Year 488 $78,820,000 $161,516 $1,956 3.73%
    20 Year 50 $6,270,000 $125,400 $1,748 4.46%
    10 Year 46 $5,750,000 $125,000 $1,668 3.80%
    5 Year 12 $1,840,000 $153,333 $0 5.26%
    30+ year 3 $1,395,000 $465,000 $4,350 3.42%
    3 Year 2 $570,000 $285,000 $0 5.75%

    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

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 2,019 $426,545,000 $211,265
    $1k-2k 68 $9,440,000 $138,824
    $5k+ 22 $9,670,000 $439,545
    $2k-3k 21 $3,945,000 $187,857
    $4k-5k 9 $3,475,000 $386,111
    $3k-4k 7 $1,565,000 $223,571

    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

    Loan Rate Originations Total Value Average Loan
    4-5% 1,388 $190,430,000 $137,197
    3-4% 1,194 $198,380,000 $166,147
    5-6% 951 $128,065,000 $134,664
    2.5-3% 257 $53,785,000 $209,280
    6-7% 221 $20,905,000 $94,593
    <2.5% 22 $6,660,000 $302,727
    7-8% 11 $635,000 $57,727

    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

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 2,010 $99,930,000 $49,716 $1,381 4.66%
    $100k-200k 1,050 $145,600,000 $138,667 $1,679 4.42%
    $200k-400k 708 $197,520,000 $278,983 $2,194 4.30%
    $400k-600k 191 $90,325,000 $472,906 $2,868 4.17%
    $600k-1MM 77 $55,935,000 $726,429 $3,556 4.14%
    $1MM+ 8 $9,550,000 $1,193,750 $6,289 3.79%

    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

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 2,182 $162,370,000 $74,413 $1,270 4.67%
    $100k-150k 525 $126,075,000 $240,143 $2,189 4.26%
    $50k-75k 432 $51,830,000 $119,977 $1,616 4.43%
    $150k-250k 396 $135,630,000 $342,500 $2,411 4.20%
    $75k-100k 353 $58,755,000 $166,445 $1,698 4.36%
    $250k+ 132 $61,000,000 $462,121 $2,987 4.16%

    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

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 1,176 $169,340,000 $143,997 $1,733 4.45%
    30-36% 846 $129,150,000 $152,660 $1,978 4.56%
    <20% 592 $74,710,000 $126,199 $1,697 4.32%
    38% 149 $23,185,000 $155,604 $2,283 4.64%
    39% 143 $23,385,000 $163,531 $1,990 4.68%
    36% 133 $16,795,000 $126,278 $1,906 4.67%
    40% 133 $19,395,000 $145,827 $1,993 4.58%
    37% 125 $19,725,000 $157,800 $2,299 4.57%
    41% 123 $18,205,000 $148,008 $2,374 4.65%
    42% 119 $21,575,000 $181,303 $1,734 4.47%
    43% 108 $18,180,000 $168,333 $1,848 4.76%
    44% 77 $14,625,000 $189,935 $2,282 4.60%
    45% 63 $11,125,000 $176,587 $2,410 4.54%
    46% 58 $10,860,000 $187,241 $2,002 4.33%
    50-60% 55 $5,775,000 $105,000 $2,419 4.54%
    >60% 48 $3,260,000 $67,917 $0 4.59%
    47% 40 $7,340,000 $183,500 $2,331 4.29%
    49% 27 $6,355,000 $235,370 $3,121 4.37%
    48% 27 $5,745,000 $212,778 $2,327 4.44%

    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

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 3,241 $431,515,000 $133,143 $1,867 4.50%
    Not provided 402 $85,100,000 $211,692 $2,212 4.47%
    Asian 180 $52,500,000 $291,667 $2,311 4.21%
    Black 141 $16,785,000 $119,043 $1,503 4.78%
    American Indian 40 $6,350,000 $158,750 $1,468 4.72%
    Not applicable 23 $3,065,000 $133,261 $0 4.90%
    Asian Indian 11 $3,045,000 $276,818 $1,706 4.60%
    Native Hawaiian or Islander 2 $170,000 $85,000 $407 4.00%
    Vietnamese 1 $125,000 $125,000 $0 5.50%
    Filipino 1 $85,000 $85,000 $1,515 3.50%
    Other Asian 1 $75,000 $75,000 $0 3.75%
    Chinese 1 $45,000 $45,000 $0 5.00%

    Approval Rates

    Total approvals of all applications
    90.27%

    Citizens Equity First has an average approval rate.

    Pick Rate

    Approvals leading to origination
    67.98%

    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

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    4,044 $598,860,000 $148,086

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 781 $66,855,000 $85,602 $2,134 4.66%
    40-60% 435 $60,865,000 $139,920 $2,125 4.38%
    60-80% 938 $202,480,000 $215,864 $2,083 4.28%
    80-100% 1,066 $223,190,000 $209,371 $1,719 4.53%
    Over 100% 1 $475,000 $475,000 $0 5.10%
    Under 20% 822 $44,900,000 $54,623 $2,005 4.63%

    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%