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
Promptness
Not enough data
—/5
No quote responses measured yet
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
5/5
Pull Through
Closing strength
Exceptional
Top 20% of lenders
5/5
By Loan Product· Specialization by type
Conventional
1,405 loans · 0.04% above market
Exceptional
Top 20% of lenders
5/5
Jumbo
24 loans · 0.23% below market
Sound
Top 60% of lenders
3/5
By Loan Purpose· Transaction purpose mix
Purchase
1,240 loans · 0.01% above market
Exceptional
Top 20% of lenders
5/5
Refinance
189 loans · 0.22% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Near-National · 10 markets
Sound
Top 60% of lenders
3/5
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
34Full-year 2024 · HMDALoans originated
< 1010–2020+None
Northeast4
MANYPARI
Midwest10
IAILINKSMIMNMONEOHWI
South13
ALARFLGAKYLAMSNCSCTNTXVAWV
West7
AKAZCACONVWAWY
Top Metro Areas by Place Specialization Score
Top States by Place Specialization Score
Showing 10 of 11 states
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 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 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.