Citizens State Bank Mortgage Rates, Fees & Info
Sealy, TXLEI: 254900LBMDUHY340Y645
Tax ID: 74-0557920
Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
Citizens State Bank is a smaller bank specializing in Home Purchase loans. Citizens State Bank has a high proportion of conventional loans. Their top markets by origination volume include: Houston, El Campo, Bay City, Corpus Christi, and San Antonio among others. We have data for 8 markets. (Some data included below & more in-depth data is available with an active subscription.)Citizens State 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
75Origination Dollar Volume (All Markets)
$27,275,000Top 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 |
|---|---|---|---|---|---|
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 55 | $20,075,000 | $365,000 | $0 | 0.00% |
| Outside of Metro Areas | 8 | $3,130,000 | $391,250 | $0 | 0.00% |
| El Campo, TX (FHA|USDA|VA) | 4 | $1,560,000 | $390,000 | $0 | 0.00% |
| Bay City, TX (FHA|USDA|VA) | 3 | $975,000 | $325,000 | $0 | 0.00% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $0 | 0.00% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $0 | 0.00% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 0.00% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 75 | $27,275,000 | $363,667 | $0 | 0.00% |
For 2023, Citizens State Bank's most frequently originated type of loan was Conventional, with 75 originations.
Loan Reason
For 2023, Citizens State Bank's most frequently cited loan purpose was Home Purchase, with 59 originations. The 2nd most popular reason was Home Improvement, with 9 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 75 | $27,275,000 | $363,667 | $0 | 0.00% |
For 2023, Citizens State Bank's most frequently cited loan duration was Other, with 75 originations.
Loan Sizing
2023 saw Citizens State Bank place emphasis on $200k-400k loans with 26 originations, totaling $7,360,000 in origination value.
Applicant Income
Citizens State Bank lent most frequently to those with incomes in the $150k-250k range, with 24 originations. The second most popular income band? $250k+, with 23 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 75 | $27,275,000 | $363,667 | $0 | 0.00% |
Citizens State Bank lent most frequently to those with DTI ratios of Exempt%, with 75 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications95.35%
Citizens State 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 origination90.67%
Citizens State Bank has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 75 | $27,275,000 | $363,667 |