Lenders › Citizens Equity First Credit U › Illinois
Citizens Equity First Credit U in Illinois
HMDA record for properties in Illinois, calendar year 2024. National record · Illinois overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
In Illinois, Citizens Equity First Credit U reported 3,990 applications and 2,579 originations for 2024, $314m in all.
Its denial rate in the state was 16.5%, below the Illinois rate of 23.3% across all lenders and compared with the lender's national rate of 16.4%.
The median rate spread on its Illinois originations was 0.3 percentage points (state median 0.5).
Applications in the state were up 8% on 2023.
Compared with the state and the lender's national record
| Measure | In Illinois | Illinois, all lenders | Citizens Equity First Credit U, all states | United States |
|---|---|---|---|---|
| Denial rate | 16.5% | 23.3% | 16.4% | 24.3% |
| Median rate spread, pp | 0.3 | 0.5 | 0.3 | 0.3 |
| Originations with spread of 1.5 pp or more | 3.7% | 15.4% | 3.3% | 15.6% |
| Average originated loan | $122k | $273k | $154k | $329k |
| Home purchase share | 43.9% | 61.1% | 44.8% | 57.0% |
| FHA-insured share | 0.0% | 10.7% | 0.0% | 13.4% |
| VA-guaranteed share | 0.0% | 4.9% | 0.0% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateIllinois, all lenders
Loan purpose and loan type in Illinois
By purpose
Home purchase 44% (1,132)Home improvement 22% (569)Refinancing 12% (307)Cash-out refinancing 5% (137)Other purpose 17% (434)
By type
Conventional 100% (2,579)
Denial reasons as coded
Share of 519 denials in Illinois by first denial reason coded (outlined bar: all lenders in the state).
Counties in Illinois
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Peoria County | 1,116 | 726 | $103m | 15.4% |
| Tazewell County | 984 | 699 | $77m | 10.3% |
| McLean County | 419 | 268 | $35m | 17.3% |
| Sangamon County | 345 | 202 | $21m | 21.8% |
| Woodford County | 176 | 121 | $16m | 12.9% |
| Logan County | 141 | 89 | $7.4m | 19.1% |
| Fulton County | 133 | 87 | $6.9m | 20.0% |
| Macon County | 163 | 77 | $6.0m | 35.0% |
| Mason County | 38 | 30 | $2.8m | 11.8% |
| Marshall County | 43 | 27 | $2.7m | 15.6% |
| Madison County | 63 | 26 | $3.9m | 29.3% |
| Knox County | 32 | 21 | $2.4m | 19.2% |
| Christian County | 31 | 18 | $2.0m | — |
| Champaign County | 26 | 17 | $4.4m | — |
| St. Clair County | 38 | 15 | $2.0m | 44.8% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Citizens Equity First Credit U originate in Illinois in 2024?
2,579 loans totalling $314m, from 3,990 applications reported for properties in Illinois.
What is Citizens Equity First Credit U's denial rate in Illinois?
16.5% of decided applications in Illinois were denied, against 23.3% for all lenders in the state and 16.4% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Illinois counties does Citizens Equity First Credit U lend in most?
By originations: Peoria County (726), Tazewell County (699), McLean County (268), Sangamon County (202), Woodford County (121).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Illinois. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.