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CITIZENS EQUITY FIRST
Credit Union|Peoria, IL|Near-National
Loans Originated
1,429
Applications
1,732
Volume
$314 million
Offers loans directly to consumers
Overall Pricing
Exceptional
Overall Pull Through
Exceptional
Safe Rate Awards💎Conventional Champion💎Purchase Champion⭐Jumbo Superstar⭐Refinance Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.039%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$5
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
82.5%
Percentage of applications that result in closed loans
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
Report Card
CITIZENS EQUITY FIRST performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Exceptional | Market Leader | |
Pull Through Closing Strength | Exceptional | Market Leader | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Exceptional | Market Leader | |
Jumbo | Sound | Industry Standard | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Exceptional | Market Leader | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Sound | Near-National · 10 metro areas · 34 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$219,962
Average Borrower Income
$123,135
Average Property Value
$297,848
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% | $4 |
Jumbo Loans | Strong | Sound | Exceptional | Sound | 24 | 1.7% | -0.227% | $80 |
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% | $2 |
Refinance | Strong | Strong | Exceptional | Strong | 189 | 13.2% | +0.221% | $21 |
Geographic Coverage
Metro Areas
9
States Served
34
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
AKALARAZCACOFLGAIAILINKSKYLAMAMIMNMOMSNCNENVNYOHPARISCTNTXVAWAWIWVWY
Top Metro Areas by Place Specialization Score
1
Peoria, IL, ILMSA
Volume: 758Mix: 53.04%
Place Specialization
Exceptional
2
Bloomington, IL, ILMSA
Volume: 108Mix: 7.56%
Place Specialization
Strong
3
Springfield, IL, ILMSA
Volume: 86Mix: 6.02%
Place Specialization
Strong
4
Decatur, IL, ILMSA
Volume: 32Mix: 2.24%
Place Specialization
Strong
5
St. Louis, MO, MO-ILMSA
Volume: 26Mix: 1.82%
Place Specialization
Sound
6
Champaign, ILMSA
Volume: 13Mix: 0.91%
Place Specialization
Sound
7
Oakland, CAMSA
Volume: 13Mix: 0.91%
Place Specialization
Sound
8
Chicago, ILMSA
Volume: 16Mix: 1.12%
Place Specialization
Sound
9
San Jose, CAMSA
Volume: 12Mix: 0.84%
Place Specialization
Sound
Top States by Place Specialization Score
1
ILState
Volume: 1,186Mix: 83.00%
Place Specialization
Exceptional
2
CAState
Volume: 36Mix: 2.52%
Place Specialization
Sound
3
INState
Volume: 24Mix: 1.68%
Place Specialization
Sound
4
TXState
Volume: 29Mix: 2.03%
Place Specialization
Sound
5
FLState
Volume: 23Mix: 1.61%
Place Specialization
Acceptable
6
AZState
Volume: 14Mix: 0.98%
Place Specialization
Acceptable
7
GAState
Volume: 14Mix: 0.98%
Place Specialization
Acceptable
8
NCState
Volume: 14Mix: 0.98%
Place Specialization
Acceptable
9
TNState
Volume: 12Mix: 0.84%
Place Specialization
Acceptable
10
MOState
Volume: 10Mix: 0.70%
Place Specialization
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)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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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