What loan types does CITIZENS EQUITY FIRST offer?

CITIZENS EQUITY FIRST offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing score and performance metrics.

Where does CITIZENS EQUITY FIRST offer mortgages?

CITIZENS EQUITY FIRST offers mortgages in 34 states: AK, AL, AR, AZ, CA, CO, FL, GA, IA, IL, IN, KS, KY, LA, MA, MI, MN, MO, MS, NC, NE, NV, NY, OH, PA, RI, SC, TN, TX, VA, WA, WI, WV, WY.

How competitive are CITIZENS EQUITY FIRST's mortgage rates?

CITIZENS EQUITY FIRST has an overall pricing score of 93.3/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is CITIZENS EQUITY FIRST?

CITIZENS EQUITY FIRST is a Credit Union headquartered in Peoria, IL.

Unclaimed

Citizens Equity First

Credit Union•Peoria, IL•Direct to Consumer

We analyzed every closed loan from Citizens Equity First — 1.4k loans across 2k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.

Pricing

Exceptional

vs. all lenders

Pull Through

Exceptional

closing strength

Products

Exceptional

Conventional · Jumbo

Place

Sound

Near-National · 9 mkts

Safe Rate Awards💎Conventional Champion💎Purchase Champion⭐Jumbo Superstar⭐Refinance Superstar

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Safe Rate's Summary

What They Do Well

Competitive pricing compared to the market
Lower than average lender fees
Strong pull through performance
Nationwide availability with consistent service

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Report Card

Citizens Equity First performance at a glance

Category	Score	vs. Peers
Overall Performance· Pricing & closing strength
Pricing Rate competitiveness	Exceptional	Market Leader +3.9 bps above market avg
Pull Through Closing strength	Exceptional	Market Leader Top 20% of lenders
By Loan Product· Specialization by type
Conventional	Exceptional	Market Leader Top 20% of lenders
Jumbo	Sound	Industry Standard Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase	Exceptional	Market Leader Top 20% of lenders
Refinance	Strong	Highly Competitive Top 40% of lenders
By Location· Geographic coverage
Geographic Reach Coverage footprint	Sound	Industry Standard Top 60% of lenders Near-National10 markets

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Exceptional	Exceptional	Exceptional	Exceptional	1,405	98.3%	+0.044%Above	$4Fees
Jumbo Loans	Strong	Sound	Exceptional	Sound	24	1.7%	-0.227%Below	$80Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Exceptional	Exceptional	Exceptional	Strong	1,240	86.8%	+0.011%Above	$2Fees
Refinance	Strong	Strong	Exceptional	Strong	189	13.2%	+0.221%Above	$21Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

1,429

Applications

1,732

Volume

$314 million

Pricing & Closing

Avg Rate Spread

+0.039%

vs. market APOR

Avg Net Fees

Origination − Credits

Pullthrough Rate

82.5%

Applications → Closed

Typical Borrower

Avg Loan Amount

$219,962

Avg Borrower Income

$123,135

Avg Property Value

$297,848

Geographic Coverage

Geographic Performance

Metro Areas

States Served

We count Washington DC as a state

Avg Place Specialization

Sound

States with Loan Originations

AKALARAZCACOFLGAIAILINKSKYLAMAMIMNMOMSNCNENVNYOHPARISCTNTXVAWAWIWVWY

Top Metro Areas by Place Specialization Score

Peoria, IL, ILMSA

Volume: 758Mix: 53.04%of portfolio

Place

Exceptional

Bloomington, IL, ILMSA

Volume: 108Mix: 7.56%of portfolio

Place

Strong

Springfield, IL, ILMSA

Volume: 86Mix: 6.02%of portfolio

Place

Strong

Decatur, IL, ILMSA

Volume: 32Mix: 2.24%of portfolio

Place

Strong

St. Louis, MO, MO-ILMSA

Volume: 26Mix: 1.82%of portfolio

Place

Sound

Champaign, ILMSA

Volume: 13Mix: 0.91%of portfolio

Place

Sound

Oakland, CAMSA

Volume: 13Mix: 0.91%of portfolio

Place

Sound

Chicago, ILMSA

Volume: 16Mix: 1.12%of portfolio

Place

Sound

San Jose, CAMSA

Volume: 12Mix: 0.84%of portfolio

Place

Sound

Top States by Place Specialization Score

ILState

Volume: 1,186Mix: 83.00%of portfolio

Place

Exceptional

CAState

Volume: 36Mix: 2.52%of portfolio

Place

Sound

INState

Volume: 24Mix: 1.68%of portfolio

Place

Sound

TXState

Volume: 29Mix: 2.03%of portfolio

Place

Sound

FLState

Volume: 23Mix: 1.61%of portfolio

Place

Acceptable

AZState

Volume: 14Mix: 0.98%of portfolio

Place

Acceptable

GAState

Volume: 14Mix: 0.98%of portfolio

Place

Acceptable

NCState

Volume: 14Mix: 0.98%of portfolio

Place

Acceptable

TNState

Volume: 12Mix: 0.84%of portfolio

Place

Acceptable

MOState

Volume: 10Mix: 0.70%of portfolio

Place

Acceptable

Showing 10 of 11 states

How We Rank Lenders

Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.

Our Point System (Max 30 Points)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

Product

Specialization in the loan type (33%)

💎

Champion(80%+ = 24-30 points)

⭐

Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.