Citizens Community Bank Mortgage Rates, Fees & Info
Mascoutah, ILLEI: 254900L9ZR7FYE68H705
Tax ID: 37-1301157
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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 markets by origination volume include: St. Louis, Louisville, Carbondale, and Daphne among others. We have data for 5 markets. (Some data included below & more in-depth data is available with an active subscription.)Citizens Community Bank has an 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
82Origination Dollar Volume (All Markets)
$19,340,000Top 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 |
|---|---|---|---|---|---|
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 72 | $17,820,000 | $247,500 | $0 | 0.00% |
| Outside of Metro Areas | 7 | $1,115,000 | $159,286 | $0 | 0.00% |
| LOUISVILLE, KY (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 0.00% |
| CARBONDALE-MARION, IL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 0.00% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 82 | $19,340,000 | $235,854 | $0 | 0.00% |
For 2023, Citizens Community Bank's most frequently originated type of loan was Conventional, with 82 originations.
Loan Reason
For 2023, Citizens Community Bank's most frequently cited loan purpose was Home Purchase, with 48 originations. The 2nd most popular reason was Refi, with 18 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 82 | $19,340,000 | $235,854 | $0 | 0.00% |
For 2023, Citizens Community Bank's most frequently cited loan duration was Other, with 82 originations.
Loan Sizing
2023 saw Citizens Community Bank place emphasis on $100,000 or less loans with 38 originations, totaling $2,240,000 in origination value.
Applicant Income
Citizens Community Bank lent most frequently to those with incomes in the $150k-250k range, with 13 originations. The second most popular income band? $50k or less, with 12 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 82 | $19,340,000 | $235,854 | $0 | 0.00% |
Citizens Community Bank lent most frequently to those with DTI ratios of Exempt%, with 82 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications84.40%
Citizens Community Bank has a below average approval rate.
Pick Rate
Approvals leading to origination87.80%
Citizens Community Bank has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 82 | $19,340,000 | $235,854 |