We analyzed every closed loan from Citizens Equity First — 1.4k loans across 2k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Exceptional
5/5
vs. all lenders
Pull-through
Exceptional
5/5
closing strength
Product
Exceptional
5/5
Conventional · Jumbo
Place
Sound
3/5
Near-National · 9 mkts
Awards
Conventional
Champion
Purchase
Champion
Refinance
Champion
Jumbo
Superstar
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
Explore another lender or local market
Report Card
Citizens Equity First performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
+3.9 bps above market avg
Pull Through
Closing strength
Exceptional
Top 20% of lenders
By Loan Product· Specialization by type
Conventional
Exceptional
Top 20% of lenders
Jumbo
Sound
Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Exceptional
Top 20% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Near-National · 10 markets
Sound
Top 60% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 1,405 | 98.3% | +0.044%Above | $4Fees | ||||
Jumbo Loans | 24 | 1.7% | -0.227%Below | $80Fees |
Conventional
OverallExceptional
ProductExceptional
PricingExceptional
Pull ThroughExceptional
Volume1,405
Mix98.3%
Spread
+0.044%Above
Fees
$4Fees
Jumbo Loans
OverallSound
ProductSound
PricingExceptional
Pull ThroughSound
Volume24
Mix1.7%
Spread
-0.227%Below
Fees
$80Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 1,240 | 86.8% | +0.011%Above | $2Fees | ||||
Refinance | 189 | 13.2% | +0.221%Above | $21Fees |
Purchase
OverallExceptional
ProductExceptional
PricingExceptional
Pull ThroughStrong
Volume1,240
Mix86.8%
Spread
+0.011%Above
Fees
$2Fees
Refinance
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughStrong
Volume189
Mix13.2%
Spread
+0.221%Above
Fees
$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
$5
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
9
markets with activity
States Served
34
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
34Northeast4
MANYPARI
Midwest10
IAILINKSMIMNMONEOHWI
South13
ALARFLGAKYLAMSNCSCTNTXVAWV
West7
AKAZCACONVWAWY
Top Metro Areas by Place Specialization Score
Volume 758Mix 53.04% of portfolio
100/100
Exceptional
Volume 108Mix 7.56% of portfolio
74/100
Strong
Volume 86Mix 6.02% of portfolio
73/100
Strong
Volume 32Mix 2.24% of portfolio
69/100
Strong
Volume 26Mix 1.82% of portfolio
50/100
Sound
Volume 13Mix 0.91% of portfolio
46/100
Sound
Volume 13Mix 0.91% of portfolio
43/100
Sound
Volume 16Mix 1.12% of portfolio
42/100
Sound
Volume 12Mix 0.84% of portfolio
42/100
SoundTop States by Place Specialization Score
1
IllinoisState
Volume 1,186Mix 83.00% of portfolio
90/100
Exceptional2
CaliforniaState
Volume 36Mix 2.52% of portfolio
45/100
Sound3
IndianaState
Volume 24Mix 1.68% of portfolio
45/100
Sound4
TexasState
Volume 29Mix 2.03% of portfolio
42/100
Sound5
FloridaState
Volume 23Mix 1.61% of portfolio
40/100
Acceptable6
ArizonaState
Volume 14Mix 0.98% of portfolio
40/100
Acceptable7
GeorgiaState
Volume 14Mix 0.98% of portfolio
39/100
Acceptable8
North CarolinaState
Volume 14Mix 0.98% of portfolio
38/100
Acceptable9
TennesseeState
Volume 12Mix 0.84% of portfolio
38/100
Acceptable10
MissouriState
Volume 10Mix 0.70% of portfolio
37/100
AcceptableShowing 10 of 11 states
How We Rank Lenders
Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.
Our Point System (Max 30 Points)
10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
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.
Looking for a different lender?
Are you the owner of Citizens Equity First?
Claim this profile to add your business logo, highlight verified loan officers, collect verified reviews, and customize your marketing presence.
The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
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.