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 Refi and Home Purchase loans. The Citizens National Bank has a high proportion of conventional loans. Their top markets by origination volume include: Wheeling, Cambridge, and Marietta among others. We have data for 4 markets. (Some data included below & more in-depth data is available with an active subscription.)

    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.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

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    Originations

    101

    Origination Dollar Volume (All Markets)

    $10,615,000

    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 74 $7,210,000 $97,432 $0 0.00%
    WHEELING, WV-OH (FHA|USDA|VA) 18 $2,270,000 $126,111 $0 0.00%
    Cambridge, OH (FHA|USDA|VA) 8 $980,000 $122,500 $0 0.00%
    Marietta, OH (FHA|USDA|VA) 1 $155,000 $155,000 $0 0.00%
    The Citizens National Bank's top markets include Wheeling, Cambridge, and Marietta among others.

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

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 101 $10,615,000 $105,099 $0 0.00%

    For 2019, The Citizens National Bank's most frequently originated type of loan was Conventional, with 101 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 51 $5,675,000 $111,275 $0 0.00%
    Home Purchase 42 $4,550,000 $108,333 $0 0.00%
    Home Improvement 7 $325,000 $46,429 $0 0.00%
    Other 1 $65,000 $65,000 $0 0.00%

    For 2019, The Citizens National Bank's most frequently cited loan purpose was Refi, with 51 originations. The 2nd most popular reason was Home Purchase, with 42 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 101 $10,615,000 $105,099 $0 0.00%

    For 2019, The Citizens National Bank's most frequently cited loan duration was Other, with 101 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 50 $2,750,000 $55,000 $0 0.00%
    $100k-200k 44 $6,130,000 $139,318 $0 0.00%
    $200k-400k 7 $1,735,000 $247,857 $0 0.00%

    2019 saw The Citizens National Bank place emphasis on $100,000 or less loans with 50 originations, totaling $2,750,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 27 $2,365,000 $87,593 $0 0.00%
    $100k-150k 20 $2,210,000 $110,500 $0 0.00%
    $50k-75k 20 $1,740,000 $87,000 $0 0.00%
    $75k-100k 16 $2,010,000 $125,625 $0 0.00%
    $150k-250k 10 $1,370,000 $137,000 $0 0.00%
    $250k+ 3 $495,000 $165,000 $0 0.00%

    The Citizens National Bank lent most frequently to those with incomes in the $50k or less range, with 27 originations. The second most popular income band? $100k-150k, with 20 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 101 $10,615,000 $105,099 $0 0.00%

    The Citizens National Bank lent most frequently to those with DTI ratios of Exempt%, with 101 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 98 $10,180,000 $103,878 $0 0.00%
    Not applicable 3 $435,000 $145,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    95.87%

    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
    85.15%

    The Citizens National Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 101 $10,615,000 $105,099

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Manufactured 4 $330,000 $82,500
    Single Family (1-4 Units):Site-Built 97 $10,285,000 $106,031