Citizens Community Bank Mortgage Rates, Fees & Info
Mascoutah, ILLEI: 254900L9ZR7FYE68H705
Tax ID: 37-1301157
Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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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, Cape Coral, Bend, Daphne, and Springfield among others. We have data for 10 markets. (Some data included below & more in-depth data is available with an active subscription.)Citizens Community 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
175Origination Dollar Volume (All Markets)
$30,935,000Top 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) | 145 | $23,995,000 | $165,483 | $0 | 0.00% |
| Outside of Metro Areas | 20 | $3,700,000 | $185,000 | $0 | 0.00% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 3 | $1,515,000 | $505,000 | $0 | 0.00% |
| BEND, OR (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $0 | 0.00% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $0 | 0.00% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $0 | 0.00% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 0.00% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 0.00% |
| PANAMA CITY, FL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 0.00% |
| BATON ROUGE, LA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 175 | $30,935,000 | $176,771 | $0 | 0.00% |
For 2022, Citizens Community Bank's most frequently originated type of loan was Conventional, with 175 originations.
Loan Reason
For 2022, Citizens Community Bank's most frequently cited loan purpose was Home Purchase, with 85 originations. The 2nd most popular reason was Refi, with 52 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 175 | $30,935,000 | $176,771 | $0 | 0.00% |
For 2022, Citizens Community Bank's most frequently cited loan duration was Other, with 175 originations.
Loan Sizing
2022 saw Citizens Community Bank place emphasis on $100k-200k loans with 65 originations, totaling $9,125,000 in origination value.
Applicant Income
Citizens Community Bank lent most frequently to those with incomes in the $100k-150k range, with 34 originations. The second most popular income band? $150k-250k, with 25 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 175 | $30,935,000 | $176,771 | $0 | 0.00% |
Citizens Community Bank lent most frequently to those with DTI ratios of Exempt%, with 175 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications94.74%
Citizens Community Bank has an average approval rate.
Pick Rate
Approvals leading to origination87.43%
Citizens Community Bank has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 175 | $30,935,000 | $176,771 |
Complaints
| Bank Name | Product | Issue | 2022 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| CITIZENS FINANCIAL GROUP, INC. | Conventional home mortgage | Closing on a mortgage | 1 | 10.0% |
| CITIZENS FINANCIAL GROUP, INC. | Conventional home mortgage | Struggling to pay mortgage | 3 | 30.0% |
| CITIZENS FINANCIAL GROUP, INC. | Conventional home mortgage | Trouble during payment process | 4 | 40.0% |
| CITIZENS FINANCIAL GROUP, INC. | Home equity loan or line of credit (HELOC) | Trouble during payment process | 1 | 10.0% |
| CITIZENS FINANCIAL GROUP, INC. | VA mortgage | Trouble during payment process | 1 | 10.0% |