Citizens Equity First in Illinois vs the state
10.6%Denial rate-6.48 pts vs state
13.8%Decision denial rate-7.87 pts vs state
65.5%Origination rate+6.74 pts vs state
7.25%Median rate+0.50 pts vs state
-0.03Rate spread (pts)-0.42 pts vs state
$96kMedian applicant income
2,769Loans originated
450Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 3,685 | 2,312 | 12.4% | 7.00% | #18 |
| 2024 | 3,990 | 2,579 | 13.0% | 8.00% | #20 |
| 2025 | 4,229 | 2,769 | 10.6% | 7.25% | #21 |
What Citizens Equity First lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most Citizens Equity First applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Peoria County | 1,165 | 770 | 120 | 10.3% |
| Tazewell County | 955 | 661 | 80 | 8.4% |
| McLean County | 439 | 294 | 47 | 10.7% |
| Sangamon County | 377 | 246 | 41 | 10.9% |
| Woodford County | 217 | 159 | 11 | 5.1% |
| Macon County | 186 | 100 | 30 | 16.1% |
| Fulton County | 139 | 97 | 22 | 15.8% |
| Logan County | 130 | 82 | 19 | 14.6% |
| Madison County | 56 | 35 | 9 | 16.1% |
| Mason County | 51 | 34 | 9 | 17.6% |
Other large lenders in Illinois
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Guaranteed Rate | B | 17,479 | 4.9% | 6.63% |
| Rocket Mortgage | C | 16,971 | 19.7% | 6.75% |
| United Shore Financial Services | B | 15,644 | 13.0% | 6.50% |
| JPMorgan Chase Bank | B | 13,574 | 9.7% | 6.49% |
| U.S. Bank | D | 10,076 | 38.3% | 7.00% |
| Crosscountry Mortgage | B | 8,779 | 4.5% | 6.75% |
| Fifth Third Bank | D | 8,628 | 32.1% | 7.50% |
| The Huntington National Bank | D | 8,226 | 31.9% | 6.99% |
| BMO Bank | F | 8,007 | 32.7% | 8.33% |
| Loandepot.Com | D | 7,019 | 17.7% | 6.88% |
Frequently asked questions
Illinois: 4,229 applications in 2025, of which 2,769 were originated and 450 denied.
10.6% of all applications, or 13.8% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans Citizens Equity First originated in Illinois in 2025 was 7.25%, against a statewide median of 6.75%.
About this data. Figures are Citizens Equity First's own HMDA filing for properties located in Illinois, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology