What loan types does Citizens First Bank offer?

Citizens First Bank offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing score and performance metrics.

Where does Citizens First Bank offer mortgages?

Citizens First Bank offers mortgages in 1 states: FL.

How competitive are Citizens First Bank's mortgage rates?

Citizens First Bank has an overall pricing score of 52.3/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Citizens First Bank?

Citizens First Bank is a Bank headquartered in The Villages, FL.

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Citizens First Bank

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We analyzed every closed loan from Citizens First Bank — 1.9k 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

Sound

3/5

vs. all lenders

Pull-through

Exceptional

5/5

closing strength

Product

Exceptional

5/5

Conventional · Jumbo

Place

Exceptional

5/5

Single State · 3 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

Conventional

Superstar

Purchase

Superstar

Refinance

Superstar

Summary

What They Do Well

Strong pull through performance

Explore another lender or local market

Report Card

Citizens First Bank performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Sound

+41.7 bps above market avg

3/5

Pull Through

Closing strength

Exceptional

Top 20% of lenders

5/5

By Loan Product· Specialization by type

Conventional

1,839 loans · 0.42% above market

Exceptional

Top 20% of lenders

5/5

Jumbo

12 loans · 0.18% above market

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Purchase

1,782 loans · 0.42% above market

Exceptional

Top 20% of lenders

5/5

Refinance

69 loans · 0.39% above market

Strong

Top 40% of lenders

4/5

By Location· Geographic coverage

Geographic Reach

Single State · 3 markets

Exceptional

Top 20% of lenders

5/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Strong	Exceptional	Sound	Exceptional	1,839	99.4%	+0.418%Above	$1,313Fees
Jumbo Loans	Sound	Sound	—	—	12	0.6%	+0.183%Above	$1,075Fees

Conventional

Overall

Strong

Product

Exceptional

Pricing

Sound

Pull Through

Exceptional

Volume1,839

Mix99.4%

Spread

+0.418%Above

Fees

$1,313Fees

Jumbo Loans

Overall

Sound

Product

Sound

Pricing—

Pull Through—

Volume12

Mix0.6%

Spread

+0.183%Above

Fees

$1,075Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Exceptional	Sound	Strong	1,782	96.3%	+0.418%Above	$1,302Fees
Refinance	Strong	Strong	Acceptable	Exceptional	69	3.7%	+0.386%Above	$1,515Fees

Purchase

Overall

Strong

Product

Exceptional

Pricing

Sound

Pull Through

Strong

Volume1,782

Mix96.3%

Spread

+0.418%Above

Fees

$1,302Fees

Refinance

Overall

Strong

Product

Strong

Pricing

Acceptable

Pull Through

Exceptional

Volume69

Mix3.7%

Spread

+0.386%Above

Fees

$1,515Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

1,851

Applications

2,296

Volume

$544 million

Pricing & Closing

Avg Rate Spread

+0.417%

vs. market APOR

Avg Net Fees

$1,311

Origination − Credits

Pullthrough Rate

80.6%

Applications → Closed

Typical Borrower

Avg Loan Amount

$294,044

Avg Borrower Income

$166,550

Avg Property Value

$447,048

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Exceptional

5/5

States with Loan Originations

1Full-year 2024 · HMDA

Loans originated

All statesNone

South1

Top Metro Areas by Place Specialization Score

Wildwood, FLMetro

Volume 1,340Mix 72.39% of portfolio

100/100

Exceptional

Orlando, FLMetro

Volume 451Mix 24.37% of portfolio

85/100

Exceptional

Ocala, FLMetro

Volume 57Mix 3.08% of portfolio

68/100

Strong

Top States by Place Specialization Score

FloridaState

Volume 1,851Mix 100.00% of portfolio

86/100

Exceptional

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.