The Citizens National Bank Mortgage Rates, Fees & Info

Woodsfield, OH

LEI: 2549000UUHZDEKIZ2Z84

Tax ID: 34-0144365

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Review & Overview

    The Citizens National Bank is a smaller bank specializing in Home Purchase and Refi loans. The Citizens National Bank has a high proportion of conventional loans. Their top two markets are Wheeling and Cambridge .

    The Citizens National Bank has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders.

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    Originations

    58

    Origination Dollar Volume (All Markets)

    $6,210,000

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    Outside of Metro Areas 32 $2,740,000 $85,625 $0 0.00%
    WHEELING, WV-OH (FHA|USDA|VA) 18 $2,240,000 $124,444 $0 0.00%
    Cambridge, OH (FHA|USDA|VA) 8 $1,230,000 $153,750 $0 0.00%
    The Citizens National Bank's top markets include Wheeling and Cambridge among others.

    Their top states include:
  • Ohio (FHA|USDA|VA)

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 58 $6,210,000 $107,069 $0 0.00%

    For 2023, The Citizens National Bank's most frequently originated type of loan was Conventional, with 58 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 25 $2,135,000 $85,400 $0 0.00%
    Refi 22 $2,720,000 $123,636 $0 0.00%
    Home Improvement 7 $735,000 $105,000 $0 0.00%
    NA 4 $620,000 $155,000 $0 0.00%

    For 2023, The Citizens National Bank's most frequently cited loan purpose was Home Purchase, with 25 originations. The 2nd most popular reason was Refi, with 22 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 58 $6,210,000 $107,069 $0 0.00%

    For 2023, The Citizens National Bank's most frequently cited loan duration was Other, with 58 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 35 $1,785,000 $51,000 $0 0.00%
    $100k-200k 16 $2,170,000 $135,625 $0 0.00%
    $200k-400k 6 $1,600,000 $266,667 $0 0.00%
    $600k-1MM 1 $655,000 $655,000 $0 0.00%

    2023 saw The Citizens National Bank place emphasis on $100,000 or less loans with 35 originations, totaling $1,785,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 14 $1,030,000 $73,571 $0 0.00%
    $50k-75k 12 $990,000 $82,500 $0 0.00%
    $100k-150k 9 $1,395,000 $155,000 $0 0.00%
    $75k-100k 8 $550,000 $68,750 $0 0.00%
    $150k-250k 6 $1,430,000 $238,333 $0 0.00%

    The Citizens National Bank lent most frequently to those with incomes in the $50k or less range, with 14 originations. The second most popular income band? $50k-75k, with 12 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 58 $6,210,000 $107,069 $0 0.00%

    The Citizens National Bank lent most frequently to those with DTI ratios of Exempt%, with 58 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 49 $5,285,000 $107,857 $0 0.00%
    Not applicable 8 $760,000 $95,000 $0 0.00%
    Asian 1 $165,000 $165,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    97.14%

    The Citizens National Bank has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

    Pick Rate

    Approvals leading to origination
    82.76%

    The Citizens National Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 58 $6,210,000 $107,069

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    58 $6,210,000 $107,069