Lender in Florida · HMDA 2025
Citizens First Bank mortgages in Florida
Citizens First Bank's 2025 home-purchase and refinance lending in Florida, compared with all lenders in the state.
Citizens First Bank originated 1,481 owner-occupied single-family loans in Florida from 1,509 completed applications.
Its median conventional purchase loan costs were $3,950 versus $6,760 for all Florida lenders, at a median 30-year fixed rate of 6.725% (Florida: 6.625%).
Loans in FL
1,481
of 1,509 applications
Denial rate
1.2%
Purchase · FL 12.8%
Rate spread
+0.23 pts
Conv. · FL +0.14 pts
Loan amount
$295,000
Purchase · FL $345,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 1,422 | 1,401 | 1.2% | 6.725% | +0.23 pts | $3,950 | $295,000 |
| Refinance | 47 | 46 | 0.0% | 6.550% | +0.07 pts | $3,570 | $245,000 |
| Cash-out refinance | 40 | 34 | 12.5% | 6.875% | +0.33 pts | $3,870 | $245,000 |
*Conventional loans only; medians with at least 20 loans.
Florida counties where Citizens First Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Sumter County | 1 | 1,335 | 37.1% |
| Lake County | 20 | 100 | 1.3% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology