Citizens Equity First Credit U Mortgage Lending & HMDA Data, 2025

In 2025, Citizens Equity First Credit U of Peoria, IL reported 5,000 mortgage applications totaling $700.5 million, up 4% from 2024. The average application was for $140,092, and applicants reported an average income of $122,081. 65% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Peoria, IL (2,390), Bloomington, IL (439) and Springfield, IL (395) (applications in parentheses).

Mortgage Company & Address Citizens Equity First Credit U
5401 W Dirksen Pkwy
Peoria, IL 61607
Tel #: available with data download
Federal Regulator * available with data download
Years 2025  2024  2023  2022  2021  2020  2019  2018  2017  2016  2015  2014  2013  2012  2011  2010  2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 5,000
Total Mortgage Loan Application Amount $700,460,000
Average Mortgage Loan Application Amount $140,092
Highest Mortgage Loan Application Amount $3,205,000
Average Applicant Income $122,081
Highest Applicant Income $2,844,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Citizens Equity First Credit U filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

Mortgage Loan Application Totals for Citizens Equity First Credit U by Metropolitan Area in 2025

Metro Area Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Application Amount Average Applicant Income
Peoria, IL 2,390 $ 282,560,000 $ 118,225 $ 111,000
Outside any metro area 626 $ 57,390,000 $ 91,677 $ 98,084
Bloomington, IL 439 $ 55,895,000 $ 127,323 $ 121,000
Springfield, IL 395 $ 40,415,000 $ 102,316 $ 118,000
Decatur, IL 186 $ 14,080,000 $ 75,698 $ 97,000
St. Louis, MO-IL 155 $ 19,675,000 $ 126,935 $ 113,877
San Jose-Sunnyvale-Santa Clara, CA 134 $ 39,880,000 $ 297,611 $ 227,000
Chicago-Naperville, IL 52 $ 16,450,000 $ 316,346 $ 217,000
Champaign-Urbana, IL 49 $ 8,525,000 $ 173,979 $ 121,000
Oakland-Hayward-Berkeley, CA 48 $ 15,880,000 $ 330,833 $ 228,000
Nashville-Davidson--Murfreesboro--Franklin, TN 29 $ 11,605,000 $ 400,172 $ 182,000
Dallas-Plano-Irving, TX 23 $ 15,955,000 $ 693,695 $ 262,000
Davenport-Moline-Rock Island, IA-IL 20 $ 1,950,000 $ 97,500 $ 98,200
Lafayette-West Lafayette, IN 19 $ 6,075,000 $ 319,736 $ 163,000
Sacramento--Roseville--Arden-Arcade, CA 16 $ 6,780,000 $ 423,750 $ 126,000
Tucson, AZ 15 $ 5,285,000 $ 352,333 $ 195,000
Phoenix-Mesa-Scottsdale, AZ 14 $ 2,490,000 $ 177,857 $ 209,000
Elgin, IL 13 $ 3,255,000 $ 250,384 $ 160,000
Raleigh, NC 13 $ 2,685,000 $ 206,538 $ 179,000
Stockton-Lodi, CA 13 $ 2,465,000 $ 189,615 $ 162,000
Houston-The Woodlands-Sugar Land, TX 12 $ 3,250,000 $ 270,833 $ 160,000
Fort Worth-Arlington, TX 9 $ 3,905,000 $ 433,888 $ 240,000
Cleveland, OH 8 $ 1,610,000 $ 201,250 $ 132,000
Modesto, CA 8 $ 1,580,000 $ 197,500 $ 207,000
San Francisco-Redwood City-South San Francisco, CA 8 $ 4,040,000 $ 505,000 $ 414,000
Atlanta-Sandy Springs-Roswell, GA 7 $ 2,175,000 $ 310,714 $ 214,000
Cape Coral-Fort Myers, FL 7 $ 1,275,000 $ 182,142 $ 104,000
Charlotte-Concord-Gastonia, NC-SC 7 $ 1,055,000 $ 150,714 $ 145,000
Denver-Aurora-Lakewood, CO 7 $ 1,095,000 $ 156,428 $ 168,000
Indianapolis-Carmel-Anderson, IN 7 $ 1,045,000 $ 149,285 $ 158,000
Riverside-San Bernardino-Ontario, CA 7 $ 1,265,000 $ 180,714 $ 132,000
Lake County-Porter County-Jasper County, IN 6 $ 1,010,000 $ 168,333 $ 144,000
Merced, CA 6 $ 770,000 $ 128,333 $ 126,000
Jacksonville, FL 5 $ 655,000 $ 131,000 $ 79,000
Knoxville, TN 5 $ 915,000 $ 183,000 $ 139,000
Las Vegas-Henderson-Paradise, NV 5 $ 935,000 $ 187,000 $ 195,000
Louisville/Jefferson County, KY-IN 5 $ 385,000 $ 77,000 $ 115,400
North Port-Sarasota-Bradenton, FL 5 $ 1,485,000 $ 297,000 $ 244,000
Ocala, FL 5 $ 1,275,000 $ 255,000 $ 81,000
Salinas, CA 5 $ 2,935,000 $ 587,000 $ 201,000
Austin-Round Rock, TX 4 $ 970,000 $ 242,500 $ 128,000
Des Moines-West Des Moines, IA 4 $ 940,000 $ 235,000 $ 162,000
Fort Lauderdale-Pompano Beach-Deerfield Beach, FL 4 $ 460,000 $ 115,000 $ 150,000
Lake County-Kenosha County, IL-WI 4 $ 1,130,000 $ 282,500 $ 214,000
Memphis, TN-MS-AR 4 $ 400,000 $ 100,000 $ 134,750
Milwaukee-Waukesha-West Allis, WI 4 $ 1,430,000 $ 357,500 $ 181,000
Minneapolis-St. Paul-Bloomington, MN-WI 4 $ 1,230,000 $ 307,500 $ 165,000
Portland-Vancouver-Hillsboro, OR-WA 4 $ 880,000 $ 220,000 $ 95,500
Santa Cruz-Watsonville, CA 4 $ 520,000 $ 130,000 $ 221,000
Casper, WY 3 $ 705,000 $ 235,000 $ 80,000
Cincinnati, OH-KY-IN 3 $ 295,000 $ 98,333 $ 239,333
Daphne-Fairhope-Foley, AL 3 $ 1,115,000 $ 371,666 $ 213,000
Kankakee, IL 3 $ 335,000 $ 111,666 $ 155,000
Kansas City, MO-KS 3 $ 1,205,000 $ 401,666 $ 164,666
Macon-Bibb County, GA 3 $ 455,000 $ 151,666 $ 48,000
Marietta, GA 3 $ 475,000 $ 158,333 $ 91,000
Omaha-Council Bluffs, NE-IA 3 $ 875,000 $ 291,666 $ 218,000
San Antonio-New Braunfels, TX 3 $ 1,035,000 $ 345,000 $ 125,000
San Diego-Carlsbad, CA 3 $ 4,555,000 $ 1,518,333 $ 359,000
Savannah, GA 3 $ 505,000 $ 168,333 $ 164,000
Tampa, FL 3 $ 905,000 $ 301,666 $ 106,000
Tulsa, OK 3 $ 885,000 $ 295,000 $ 196,000
Warren-Troy-Farmington Hills, MI 3 $ 1,575,000 $ 525,000 $ 185,000
West Palm Beach-Boca Raton-Delray Beach, FL 3 $ 645,000 $ 215,000 $ 186,000
Burlington, NC 2 $ 120,000 $ 60,000 $ 131,000
Charleston, WV 2 $ 260,000 $ 130,000 $ 24,000
Clarksville, TN-KY 2 $ 510,000 $ 255,000 $ 345,000
Columbia, SC 2 $ 360,000 $ 180,000 $ 207,000
Crestview-Fort Walton Beach-Destin, FL 2 $ 470,000 $ 235,000 $ 255,000
Evansville, IN-KY 2 $ 110,000 $ 55,000 $ 62,000
Fresno, CA 2 $ 1,780,000 $ 890,000 $ 0
Grand Junction, CO 2 $ 90,000 $ 45,000 $ 192,000
Greensboro-High Point, NC 2 $ 230,000 $ 115,000 $ 142,000
Greenville-Anderson-Mauldin, SC 2 $ 160,000 $ 80,000 $ 112,000
Hartford-West Hartford-East Hartford, CT 2 $ 450,000 $ 225,000 $ 43,000
Hilton Head Island-Bluffton-Beaufort, SC 2 $ 450,000 $ 225,000 $ 344,000
Jackson, MS 2 $ 440,000 $ 220,000 $ 95,000
Jackson, TN 2 $ 230,000 $ 115,000 $ 213,000
Lakewood-New Brunswick, NJ 2 $ 710,000 $ 355,000 $ 253,000
Los Angeles-Long Beach-Glendale, CA 2 $ 330,000 $ 165,000 $ 185,000
Miami-Miami Beach-Kendall, FL 2 $ 430,000 $ 215,000 $ 126,000
Montgomery County-Bucks County-Chester County, PA 2 $ 890,000 $ 445,000 $ 128,000
Morgantown, WV 2 $ 530,000 $ 265,000 $ 181,000
Muskegon, MI 2 $ 600,000 $ 300,000 $ 53,000
Myrtle Beach-Conway-North Myrtle Beach, SC-NC 2 $ 520,000 $ 260,000 $ 82,000
Niles-Benton Harbor, MI 2 $ 260,000 $ 130,000 $ 137,000
Oklahoma City, OK 2 $ 710,000 $ 355,000 $ 78,000
Orlando-Kissimmee-Sanford, FL 2 $ 450,000 $ 225,000 $ 159,000
Oxnard-Thousand Oaks-Ventura, CA 2 $ 1,460,000 $ 730,000 $ 268,000
Panama City, FL 2 $ 770,000 $ 385,000 $ 292,000
Pensacola-Ferry Pass-Brent, FL 2 $ 540,000 $ 270,000 $ 119,000
Port St. Lucie, FL 2 $ 50,000 $ 25,000 $ 155,000
Richmond, VA 2 $ 560,000 $ 280,000 $ 266,000
Roanoke, VA 2 $ 210,000 $ 105,000 $ 130,000
Rockford, IL 2 $ 410,000 $ 205,000 $ 172,000
Sebastian-Vero Beach, FL 2 $ 580,000 $ 290,000 $ 251,000
Slidell-Mandeville-Covington, LA 2 $ 160,000 $ 80,000 $ 201,000
Springfield, MO 2 $ 110,000 $ 55,000 $ 134,000
Virginia Beach-Norfolk-Newport News, VA-NC 2 $ 370,000 $ 185,000 $ 115,000
Wilmington, NC 2 $ 410,000 $ 205,000 $ 492,000
Anaheim-Santa Ana-Irvine, CA 1 $ 1,995,000 $ 1,995,000 $ 704,000
Auburn-Opelika, AL 1 $ 75,000 $ 75,000 $ 86,000
Bakersfield, CA 1 $ 305,000 $ 305,000 $ 0
Baton Rouge, LA 1 $ 135,000 $ 135,000 $ 93,000
Bend-Redmond, OR 1 $ 135,000 $ 135,000 $ 144,000
Birmingham-Hoover, AL 1 $ 295,000 $ 295,000 $ 245,000
Boise City, ID 1 $ 255,000 $ 255,000 $ 518,000
Boston, MA 1 $ 135,000 $ 135,000 $ 276,000
Bremerton-Silverdale, WA 1 $ 55,000 $ 55,000 $ 113,000
Chattanooga, TN-GA 1 $ 55,000 $ 55,000 $ 122,000
Chico, CA 1 $ 425,000 $ 425,000 $ 0
Cleveland, TN 1 $ 105,000 $ 105,000 $ 123,000
Colorado Springs, CO 1 $ 685,000 $ 685,000 $ 346,000
Columbia, MO 1 $ 375,000 $ 375,000 $ 163,000
Columbus, OH 1 $ 105,000 $ 105,000 $ 133,000
Deltona-Daytona Beach-Ormond Beach, FL 1 $ 175,000 $ 175,000 $ 145,000
Detroit-Dearborn-Livonia, MI 1 $ 55,000 $ 55,000 $ 140,000
Fargo, ND-MN 1 $ 75,000 $ 75,000 $ 203,000
Fort Collins, CO 1 $ 965,000 $ 965,000 $ 347,000
Fort Wayne, IN 1 $ 35,000 $ 35,000 $ 178,000
Grand Forks, ND-MN 1 $ 265,000 $ 265,000 $ 147,000
Grand Rapids-Wyoming, MI 1 $ 55,000 $ 55,000 $ 160,000
Greeley, CO 1 $ 225,000 $ 225,000 $ 80,000
Greenville, NC 1 $ 55,000 $ 55,000 $ 190,000
Hammond, LA 1 $ 445,000 $ 445,000 $ 136,000
Hot Springs, AR 1 $ 375,000 $ 375,000 $ 108,000
Iowa City, IA 1 $ 1,705,000 $ 1,705,000 $ 0
Jonesboro, AR 1 $ 365,000 $ 365,000 $ 146,000
Joplin, MO 1 $ 55,000 $ 55,000 $ 71,000
Killeen-Temple, TX 1 $ 285,000 $ 285,000 $ 0
Lakeland-Winter Haven, FL 1 $ 75,000 $ 75,000 $ 172,000
Lancaster, PA 1 $ 475,000 $ 475,000 $ 0
Las Cruces, NM 1 $ 95,000 $ 95,000 $ 90,000
Lawton, OK 1 $ 75,000 $ 75,000 $ 84,000
Lexington-Fayette, KY 1 $ 15,000 $ 15,000 $ 38,000
Lincoln, NE 1 $ 105,000 $ 105,000 $ 122,000
Lynchburg, VA 1 $ 15,000 $ 15,000 $ 67,000
Madison, WI 1 $ 495,000 $ 495,000 $ 141,000
Missoula, MT 1 $ 125,000 $ 125,000 $ 0
Morristown, TN 1 $ 45,000 $ 45,000 $ 166,000
Naples-Immokalee-Marco Island, FL 1 $ 425,000 $ 425,000 $ 0
Olympia-Tumwater, WA 1 $ 155,000 $ 155,000 $ 270,000
Palm Bay-Melbourne-Titusville, FL 1 $ 55,000 $ 55,000 $ 108,000
Prescott Valley-Prescott, AZ 1 $ 205,000 $ 205,000 $ 60,000
Redding, CA 1 $ 145,000 $ 145,000 $ 82,000
Reno, NV 1 $ 555,000 $ 555,000 $ 154,000
Rochester, MN 1 $ 395,000 $ 395,000 $ 173,000
San Rafael, CA 1 $ 305,000 $ 305,000 $ 1,072,000
Santa Rosa, CA 1 $ 125,000 $ 125,000 $ 207,000
Scranton--Wilkes-Barre--Hazleton, PA 1 $ 785,000 $ 785,000 $ 68,000
Seattle-Bellevue-Everett, WA 1 $ 645,000 $ 645,000 $ 349,000
Sheboygan, WI 1 $ 235,000 $ 235,000 $ 139,000
Shreveport-Bossier City, LA 1 $ 45,000 $ 45,000 $ 128,000
South Bend-Mishawaka, IN-MI 1 $ 95,000 $ 95,000 $ 193,000
Springfield, MA 1 $ 395,000 $ 395,000 $ 178,000
Staunton-Waynesboro, VA 1 $ 355,000 $ 355,000 $ 126,000
Tallahassee, FL 1 $ 95,000 $ 95,000 $ 148,000
Toledo, OH 1 $ 55,000 $ 55,000 $ 151,000
Traverse City, MI 1 $ 75,000 $ 75,000 $ 176,000
Waterloo-Cedar Falls, IA 1 $ 365,000 $ 365,000 $ 163,000
Wausau, WI 1 $ 195,000 $ 195,000 $ 149,000
Wenatchee, WA 1 $ 405,000 $ 405,000 $ 206,000
Wilmington, DE-MD-NJ 1 $ 225,000 $ 225,000 $ 143,000
Worcester, MA-CT 1 $ 135,000 $ 135,000 $ 126,000

Mortgage Loan Application Detail Totals for Citizens Equity First Credit U in 2025

Loan Purpose

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Home Purchase 1,626 $375,620,000 $231,000 $2,085,000 $128,000 $1,965,000
Home Improvement 1,238 $87,810,000 $70,000 $505,000 $129,000 $2,844,000
Other Purpose 1,169 $84,445,000 $72,000 $505,000 $120,000 $1,560,000
Refinancing 670 $99,250,000 $148,000 $3,205,000 $115,000 $2,091,000
Cash-out Refinancing 297 $53,335,000 $179,000 $1,455,000 $85,000 $375,000
Not Applicable 0 $0 $0 $0 $0 $0

Applicant Race

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
White 3,755 $460,115,000 $122,000 $1,995,000 $115,000 $2,091,000
Not Provided 494 $100,510,000 $203,000 $1,605,000 $152,000 $1,965,000
Black or African American 242 $22,340,000 $92,000 $715,000 $106,000 $2,844,000
Hispanic 208 $31,660,000 $152,000 $3,205,000 $141,000 $1,560,000
Asian 176 $50,630,000 $287,000 $1,935,000 $200,000 $1,250,000
Not applicable 84 $28,070,000 $334,000 $2,085,000 $0 $0
American Indian or Alaskan Native 34 $6,340,000 $186,000 $1,165,000 $88,000 $322,000
Native Hawaiian or Other Pacific Islander 7 $795,000 $113,000 $205,000 $148,000 $372,000

Loan Type

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 4,999 $700,155,000 $140,000 $3,205,000 $122,000 $2,844,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 1 $305,000 $305,000 $305,000 $0 $0
VA-guaranteed (Veterans Administration) 0 $0 $0 $0 $0 $0
FHA-insured (Federal Housing Administration) 0 $0 $0 $0 $0 $0

Outcome

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Loan Originated 3,231 $513,135,000 $158,000 $3,205,000 $131,000 $1,880,000
Application Withdrawn By Applicant 1,161 $137,095,000 $118,000 $1,945,000 $118,000 $2,844,000
Application Denied By Financial Institution 513 $36,025,000 $70,000 $1,935,000 $86,000 $1,250,000
Application Approved But Not Accepted 49 $3,715,000 $75,000 $505,000 $111,000 $339,000
File Closed For Incompleteness 45 $10,085,000 $224,000 $1,305,000 $35,000 $173,000
Preapproval Denied by Financial Institution 1 $405,000 $405,000 $405,000 $14,000 $14,000
Loan Purchased By The Institution 0 $0 $0 $0 $0 $0
Preapproval Approved but not Accepted 0 $0 $0 $0 $0 $0

Denial Reason

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Not applicable 4,486 $664,030,000 $148,000 $3,205,000 $127,000 $2,844,000
Debt-To-Income Ratio 231 $20,075,000 $86,000 $1,935,000 $81,000 $423,000
Credit History 229 $12,225,000 $53,000 $505,000 $94,000 $1,250,000
Collateral 27 $2,055,000 $76,000 $355,000 $71,000 $217,000
Employment History 11 $635,000 $57,000 $165,000 $72,000 $286,000
Other 8 $570,000 $71,000 $225,000 $81,000 $166,000
Insufficient Cash (Downpayment, Closing Cost) 6 $680,000 $113,000 $155,000 $69,000 $111,000
Unverifiable Information 2 $190,000 $95,000 $155,000 $44,000 $88,000
Credit Application Incomplete 0 $0 $0 $0 $0 $0
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Citizens Equity First Credit U's 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.

This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics, and assess Citizens Equity First Credit U's mortgage approval patterns. Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Illinois, download the full spreadsheet with aggregated HMDA statistics today.

Download the Illinois Lender List