Citizens Community Bank Mortgage Rates, Fees & Info
Valdosta, GALEI: 25490053QEQO83AZIX15
Tax ID: 58-0192880
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Mortgage Data
Review & Overview
Citizens Community Bank is a smaller bank specializing in Home Purchase and Refi loans. Citizens Community Bank has a high proportion of conventional loans. Their top (well, only) market is Valdosta.Citizens Community Bank has an above average approval rate when compared to the average across all lenders. They have an above average pick rate when compared to similar lenders.
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Originations
83Origination Dollar Volume (All Markets)
$10,925,000Top 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 |
|---|---|---|---|---|---|
| VALDOSTA, GA (FHA|USDA|VA) | 76 | $10,410,000 | $136,974 | $0 | 0.00% |
| Outside of Metro Areas | 7 | $515,000 | $73,571 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 83 | $10,925,000 | $131,627 | $0 | 0.00% |
For 2024, Citizens Community Bank's most frequently originated type of loan was Conventional, with 83 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Home Purchase | 45 | $6,965,000 | $154,778 | $0 | 0.00% |
| Refi | 33 | $3,765,000 | $114,091 | $0 | 0.00% |
| Home Improvement | 5 | $195,000 | $39,000 | $0 | 0.00% |
For 2024, Citizens Community Bank's most frequently cited loan purpose was Home Purchase, with 45 originations. The 2nd most popular reason was Refi, with 33 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 83 | $10,925,000 | $131,627 | $0 | 0.00% |
For 2024, Citizens Community Bank's most frequently cited loan duration was Other, with 83 originations.
Loan Sizing
2024 saw Citizens Community Bank place emphasis on $100,000 or less loans with 52 originations, totaling $2,760,000 in origination value.
Applicant Income
Citizens Community Bank lent most frequently to those with incomes in the $75k-100k range, with 12 originations. The second most popular income band? $50k or less, with 11 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 83 | $10,925,000 | $131,627 | $0 | 0.00% |
Citizens Community Bank lent most frequently to those with DTI ratios of Exempt%, with 83 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications91.67%
Citizens Community Bank has an average approval rate.
Pick Rate
Approvals leading to origination93.98%
Citizens Community Bank has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 83 | $10,925,000 | $131,627 |