Citizens Equity First in Florida vs the state
5.9%Denial rate-15.18 pts vs state
7.9%Decision denial rate-19.35 pts vs state
60.8%Origination rate+8.09 pts vs state
6.75%Median rate+0.13 pts vs state
-0.20Rate spread (pts)-0.47 pts vs state
$145kMedian applicant income
31Loans originated
3Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 74 | 45 | 6.8% | 6.75% | #546 |
| 2024 | 60 | 35 | 8.3% | 6.63% | #567 |
| 2025 | 51 | 31 | 5.9% | 6.75% | #595 |
What Citizens Equity First lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Citizens Equity First applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lee County | 7 | 5 | 0 | 0.0% |
| Marion County | 5 | 4 | 0 | 0.0% |
| Broward County | 4 | 2 | 0 | 0.0% |
| St. Johns County | 3 | 0 | 1 | 33.3% |
| Palm Beach County | 3 | 0 | 2 | 66.7% |
| Manatee County | 3 | 2 | 0 | 0.0% |
| Lake County | 2 | 2 | 0 | 0.0% |
| St. Lucie County | 2 | 1 | 0 | 0.0% |
| Santa Rosa County | 2 | 2 | 0 | 0.0% |
| Indian River County | 2 | 2 | 0 | 0.0% |
Other large lenders in Florida
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 71,405 | 15.3% | 6.44% |
| Rocket Mortgage | C | 46,611 | 21.0% | 6.63% |
| Bank of America | F | 23,634 | 37.7% | 6.24% |
| Pennymac Loan Services | C | 19,516 | 14.1% | 6.50% |
| Navy Federal Credit Union | D | 19,452 | 23.2% | 7.59% |
| Crosscountry Mortgage | B | 19,103 | 5.2% | 6.75% |
| Newrez | D | 17,519 | 22.4% | 6.75% |
| Dhi Mortgage Company | B | 16,661 | 14.5% | 4.88% |
| Lennar Mortgage | A | 14,984 | 21.0% | 4.75% |
| Truist Bank | C | 14,140 | 41.5% | 6.60% |
Frequently asked questions
Florida: 51 applications in 2025, of which 31 were originated and 3 denied.
5.9% of all applications, or 7.9% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Citizens Equity First originated in Florida in 2025 was 6.75%, against a statewide median of 6.63%.
About this data. Figures are Citizens Equity First's own HMDA filing for properties located in Florida, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology