# Citizens First Bank

> **Canonical URL:** https://saferate.com/lenders/citizens-first-bank


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Citizens First Bank is a bank, headquartered in The Villages, FL, with 1,851 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 48% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 17% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300IQVXIW1VTW0D69
- **Headquarters:** The Villages, FL
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** FL
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 52/100
- Rating: ●●●○○ (3/5)

### Pull Through: Exceptional 🤩
- Score: 83/100
- Rating: ●●●●● (5/5)

### Pricing Details
- **Average Rate Spread:** +0.417%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,311
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 1,851
- **Dollar Volume:** $544 million
- **Applications Received:** 2,296
- **Market Share:** 5.00%

## Typical Borrower Profile

- **Average Loan Amount:** $294,044
- **Average Borrower Income:** $166,550
- **Average Property Value:** $447,048

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (76%)
- ⭐ **Purchase Gold Superstar** (70%)
- ⭐ **Refinance Gold Superstar** (63%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 85/100 | 1,839 | +0.418% | $1,313 | Exceptional 🤩 |
| Jumbo | 60/100 | 12 | +0.183% | $1,075 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 1,770 loans, Score: 86/100 (Exceptional)
- Refinance: 69 loans, Score: 69/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 84/100 | 1,782 | $529M | +0.418% | Exceptional 🤩 |
| Refinance | 67/100 | 69 | $15M | +0.386% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| FL | 1,851 | 0.63% | 86/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Wildwood | FL | 1,340 | 100/100 |
| Orlando | FL | 451 | 85/100 |
| Ocala, FL | FL | 57 | 68/100 |

## Where This Lender Ranks

Citizens First Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Florida for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/florida/best-mortgage-lenders/banks/conventional-loans)
- 🥇 **#1** in Wildwood
  - [View Full Rankings](https://saferate.com/wildwood/best-mortgage-lenders)
- 🥇 **#1** in Wildwood Banks
  - [View Full Rankings](https://saferate.com/wildwood/best-mortgage-lenders/banks)
- 🥇 **#1** in Wildwood for Conventional Loans
  - [View Full Rankings](https://saferate.com/wildwood/best-mortgage-lenders/conventional-loans)
- 🥇 **#1** in Wildwood for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/wildwood/best-mortgage-lenders/banks/conventional-loans)
- 🥇 **#1** in Wildwood for Jumbo Loans
  - [View Full Rankings](https://saferate.com/wildwood/best-mortgage-lenders/jumbo-loans)
- 🥇 **#1** in Wildwood for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/wildwood/best-mortgage-lenders/banks/jumbo-loans)
- 🥇 **#1** in Orlando Banks
  - [View Full Rankings](https://saferate.com/orlando/best-mortgage-lenders/banks)
- 🥇 **#1** in Orlando for Conventional Loans
  - [View Full Rankings](https://saferate.com/orlando/best-mortgage-lenders/conventional-loans)
- 🥇 **#1** in Orlando for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/orlando/best-mortgage-lenders/banks/conventional-loans)
- 🥈 **#2** in Florida Banks
  - [View Full Rankings](https://saferate.com/florida/best-mortgage-lenders/banks)
- 🥈 **#2** in Ocala, FL for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/ocala-fl/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#4** in Florida for Conventional Loans
  - [View Full Rankings](https://saferate.com/florida/best-mortgage-lenders/conventional-loans)
- 🏆 **#4** in Ocala, FL Banks
  - [View Full Rankings](https://saferate.com/ocala-fl/best-mortgage-lenders/banks)
- 🏆 **#4** in Ocala, FL for Conventional Loans
  - [View Full Rankings](https://saferate.com/ocala-fl/best-mortgage-lenders/conventional-loans)
- 🏆 **#6** in Orlando
  - [View Full Rankings](https://saferate.com/orlando/best-mortgage-lenders)
- 🏆 **#7** in Florida
  - [View Full Rankings](https://saferate.com/florida/best-mortgage-lenders)
- 🏆 **#8** in Ocala, FL
  - [View Full Rankings](https://saferate.com/ocala-fl/best-mortgage-lenders)
- 🏆 **#10** in Florida for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/florida/best-mortgage-lenders/banks/jumbo-loans)

## Frequently Asked Questions

### What loan types does Citizens First Bank offer?

Citizens First Bank offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Citizens First Bank offer mortgages?

Citizens First Bank offers mortgages in 1 states: FL.

### How competitive are Citizens First Bank's mortgage rates?

Citizens First Bank has a pricing score of 52/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.417% above market average.

### What type of lender is Citizens First Bank?

Citizens First Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in The Villages, FL.

### What is Citizens First Bank's loan approval success rate?

Citizens First Bank has a pull-through score of 83/100 (Exceptional). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/citizens-first-bank

### How to Cite

> "Citizens First Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/citizens-first-bank

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