Purchase Originations
1,421
Ranked #295 nationally
Median Total Costs
$3,938
−41.0% vs national ($6,680)
↓ $76 vs prior year
Median Rate
6.750%
+4.0% vs national (6.490%)
↓ 0.175% vs prior year
Median Origination
$1,075
Median Lender Credits
$25
Cost Rank (500+ vol.)
#103
among lenders with 500+ originations
Denial Rate
1.1%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 1,421 | 6.750% | $3,938 | $1,075 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Florida | 1,421 | 6.750% | $3,938 | #34 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,174 | 6.787% | — | 106 | −$764 | |
| 2 | $3,739 | 6.825% | — | 35 | −$199 | |
| 3 | $4,016 | 6.725% | — | 1,277 | +$78 | |
| 4 | $4,611 | 7.075% | — | 3 | +$673 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Citizens First Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $295,000 | $335,000 | −$40,000 (−11.9%) |
| Median total closing costs | $3,938 | $7,127 | −$3,189 (−44.7%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, 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.