Lender in Illinois · HMDA 2025
Citizens Equity First mortgages in Illinois
Citizens Equity First's 2025 home-purchase and refinance lending in Illinois, compared with all lenders in the state.
Citizens Equity First originated 1,212 owner-occupied single-family loans in Illinois from 1,252 completed applications, making it the state's #25 lender by volume.
Its median conventional purchase loan costs were $1,210 versus $6,090 for all Illinois lenders, at a median 30-year fixed rate of 6.50% (Illinois: 6.625%).
Loans in IL
1,212
of 1,252 applications
Denial rate
2.1%
Purchase · IL 9.2%
Rate spread
−0.07 pts
Conv. · IL +0.27 pts
Loan amount
$165,000
Purchase · IL $275,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 997 | 975 | 2.1% | 6.500% | −0.07 pts | $1,210 | $165,000 |
| Refinance | 104 | 100 | 3.9% | 6.500% | −0.05 pts | $2,120 | $145,000 |
| Cash-out refinance | 151 | 137 | 9.3% | 6.750% | +0.20 pts | $2,040 | $115,000 |
*Conventional loans only; medians with at least 20 loans.
Illinois counties where Citizens Equity First ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Peoria County | 1 | 372 | 16.8% |
| Tazewell County | 1 | 293 | 16.7% |
| Woodford County | 2 | 73 | 13.9% |
| Fulton County | 2 | 48 | 12.8% |
| McLean County | 3 | 105 | 4.7% |
| Logan County | 3 | 26 | 6.9% |
| Mason County | 3 | 13 | 8.0% |
| Marshall County | 4 | 9 | 5.2% |
| De Witt County | 5 | 8 | 3.9% |
| Sangamon County | 7 | 81 | 3.1% |
| Macon County | 7 | 49 | 3.9% |
| Montgomery County | 10 | 5 | 2.1% |
| Menard County | 11 | 5 | 2.7% |
| McDonough County | 11 | 3 | 1.4% |
| Stark County | 11 | 2 | 4.2% |
| Moultrie County | 13 | 3 | 2.1% |
| Knox County | 15 | 9 | 1.8% |
| Morgan County | 15 | 5 | 1.9% |
| Ford County | 15 | 3 | 1.4% |
| Livingston County | 17 | 7 | 1.4% |
| Piatt County | 19 | 4 | 1.4% |
| Schuyler County | 20 | 1 | 1.8% |
| Douglas County | 22 | 2 | 0.9% |
| Christian County | 23 | 4 | 1.1% |
| Shelby County | 24 | 2 | 1.4% |
| Henderson County | 25 | 1 | 2.2% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology