Citizens Equity First Credit Union mortgage approval rate & lending review
Citizens Equity First Credit Union decided 6,735 mortgage applications and funded 5,945 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Citizens Equity First Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Citizens Equity First Credit Union at a glance
Approval is 12.6 points above the 76.8% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 97% | 2,771 / 2,843 | 100% | $175K | 2,766 |
| Home improvement loans | 78% | 1,601 / 2,045 | 97% | $55K | 1,551 |
| Cash-out refinance | 85% | 276 / 325 | 100% | $105K | 276 |
| Refinance | 92% | 901 / 980 | 97% | $75K | 878 |
| Investment property purchase | 97% | 341 / 352 | 100% | $95K | 340 |
| Investment cash-out refinance | 96% | 78 / 81 | 100% | $75K | 78 |
| Investment refinance | 97% | 32 / 33 | 100% | $95K | 32 |
| Investment home improvement | 36% | 27 / 76 | 89% | $35K | 24 |
Citizens Equity First Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Illinois | 89% | $105K | 5,682 | 5,008 |
| California | 81% | $295K | 318 | 250 |
| Texas | 98% | $465K | 123 | 120 |
| Florida | 92% | $205K | 102 | 88 |
| Indiana | 97% | $365K | 58 | 54 |
| Tennessee | 96% | $555K | 57 | 55 |
| North Carolina | 96% | $305K | 53 | 51 |
| Arizona | 98% | $455K | 50 | 48 |
| Missouri | 100% | $145K | 38 | 38 |
| South Carolina | 92% | $275K | 26 | 24 |
| Georgia | 91% | $455K | 23 | 21 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Citizens Equity First Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Peoria County, IL | Mortgage lenders | 98% | 972 | 949 |
| Tazewell County, IL | Mortgage lenders | 98% | 740 | 726 |
| Tazewell County, IL | Home improvement loans | 83% | 545 | 443 |
| Peoria County, IL | Home improvement loans | 79% | 554 | 424 |
| Tazewell County, IL | Refinance | 95% | 302 | 279 |
| Peoria County, IL | Refinance | 94% | 280 | 257 |
| McLean County, IL | Mortgage lenders | 97% | 255 | 247 |
| Sangamon County, IL | Mortgage lenders | 96% | 211 | 202 |
| McLean County, IL | Home improvement loans | 83% | 242 | 193 |
| Sangamon County, IL | Home improvement loans | 71% | 228 | 155 |
| McLean County, IL | Refinance | 92% | 123 | 110 |
| Macon County, IL | Mortgage lenders | 89% | 110 | 98 |
The county markets where Citizens Equity First Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Citizens Equity First Credit Union
What is Citizens Equity First Credit Union's mortgage approval rate?
Citizens Equity First Credit Union approved 89.5% of the 6,735 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 12.6 points above the 76.8% national rate for the same mix of loan types.
How often do borrowers take the loan Citizens Equity First Credit Union offers?
Borrowers accepted 99% of the loans Citizens Equity First Credit Union approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Citizens Equity First Credit Union make?
The typical home purchase mortgage loan Citizens Equity First Credit Union made was $175K; across all loan types its typical loan ran from $35K to $175K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Citizens Equity First Credit Union lend?
Citizens Equity First Credit Union decided applications in 45 of the states Fat Boy Data covers, most of them in Illinois, California and Texas.
Can I apply to Citizens Equity First Credit Union directly?
Yes. Citizens Equity First Credit Union is a bank or credit union with 35 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Citizens Equity First Credit Union's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Citizens Equity First Credit Union treats applications, then get a rate quote from the lender.