Citizens First Mtg is typically a little higher in their rates compared to what the typical current market represents. They compete at a different level because most of their biz is driven by their RE sales people.
They are set-up to finance "new home" sales and re-finances are not their primary function. In fact that might be why they don't have good access to their rates. Most likely refinance loans are a low priority for them. Check with a couple local banks and or local mortgage brokers. These will be the most competitive in the community.
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