CITIZENS EQUITY FIRST CREDIT UNION closing costs and rates (2024)
In 2024, CITIZENS EQUITY FIRST CREDIT UNION originated 1,170 purchase mortgages at a median interest rate of 6.50% and median total closing costs of $1,078. That ranks #329 nationally by origination volume. For total closing costs among lenders with 500+ originations, CITIZENS EQUITY FIRST CREDIT UNION ranks #6. That is $5,663 below the national median of $6,741. CITIZENS EQUITY FIRST CREDIT UNION is most active in Illinois with 983 originations there.
Purchase Originations
1,170
Ranked #329 nationally
Median Total Costs
$1,078
−84.0% vs national ($6,741)
Median Rate
6.500%
−1.8% vs national (6.620%)
Median Origination
$0
Median Lender Credits
$350
Cost Rank (500+ vol.)
#6
among lenders with 500+ originations
Breakdown by loan type
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 1,170 | 6.500% | $1,078 | $0 |
Active states
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Illinois | 983 | 6.500% | $988 | #20 |
| Texas | 27 | 6.375% | $524 | — |
| Indiana | 23 | 6.375% | $1,076 | — |
| California | 22 | 6.312% | $2,646 | — |
| Florida | 13 | 6.500% | $3,818 | — |
| North Carolina | 12 | 6.375% | $604 | — |
| Tennessee | 12 | 6.500% | $3,048 | — |
| Georgia | 11 | 6.375% | $1,645 | — |
| Arizona | 10 | 6.438% | $3,441 | — |
| Missouri | 7 | 6.625% | $1,776 | — |
| Mississippi | 6 | 6.625% | $2,067 | — |
| South Carolina | 6 | 6.375% | $3,136 | — |
| Alabama | 5 | 6.500% | $1,937 | — |
| Iowa | 5 | 6.375% | $2,126 | — |
| Minnesota | 4 | 6.438% | $2,452 | — |
| Michigan | 3 | 6.875% | $2,645 | — |
| Ohio | 3 | 6.750% | $2,492 | — |
| Wisconsin | 3 | 6.000% | $2,933 | — |
| Arkansas | 2 | 6.312% | $3,307 | — |
| Washington | 2 | 5.875% | $2,021 | — |
| Alaska | 1 | 6.250% | $3,909 | — |
| Colorado | 1 | 5.750% | $0 | — |
| Kansas | 1 | 6.000% | $2,588 | — |
| Kentucky | 1 | 6.375% | $1,524 | — |
| Louisiana | 1 | 6.375% | $4,519 | — |
| Nevada | 1 | 5.875% | $2,594 | — |
| New York | 1 | 5.875% | $1,526 | — |
| Pennsylvania | 1 | 6.250% | $0 | — |
| Rhode Island | 1 | 6.750% | $3,301 | — |
| Virginia | 1 | 5.625% | $0 | — |
| Wyoming | 1 | 6.500% | $837 | — |
Top counties by origination volume
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $350 | 6.375% | — | 7 | −$728 | |
| 2 | $350 | 6.375% | — | 7 | −$728 | |
| 3 | $737 | 6.375% | — | 29 | −$341 | |
| 4 | $794 | 6.375% | — | 10 | −$284 | |
| 5 | $868 | 6.500% | — | 320 | −$210 | |
| 6 | $868 | 6.500% | — | 261 | −$210 | |
| 7 | $968 | 6.688% | — | 12 | −$110 | |
| 8 | $994 | 6.438% | — | 60 | −$84 | |
| 9 | $995 | 6.625% | — | 27 | −$83 | |
| 10 | $1,003 | 6.562% | — | 18 | −$75 | |
| 11 | $1,105 | 6.375% | — | 8 | +$27 | |
| 12 | $1,190 | 6.500% | — | 82 | +$112 | |
| 13 | $1,343 | 6.750% | — | 30 | +$265 | |
| 14 | $1,762 | 6.625% | — | 8 | +$684 | |
| 15 | $1,787 | 6.625% | — | 43 | +$709 | |
| 16 | $1,813 | 6.250% | — | 6 | +$735 | |
| 17 | $2,146 | 6.375% | — | 5 | +$1,068 | |
| 18 | $2,478 | 6.375% | — | 7 | +$1,400 | |
| 19 | $2,788 | 6.375% | — | 7 | +$1,710 | |
| 20 | $3,123 | 6.312% | — | 8 | +$2,045 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2024. Sorted by median total loan costs.
Found your lender? Make sure their quote is fair.
HMDA data shows industry-wide medians. Your actual quote may differ. Upload your Closing Disclosure or Loan Estimate to see exactly where your fees stand — and get a ready-to-send negotiation email.
Data source: HMDA Modified Loan Application Register 2024, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.