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
Jump to:
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, College Station, Dallas, and Brenham among others. We have data for 9 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.
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.
Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.
Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.
Originations
93Origination Dollar Volume (All Markets)
$23,905,000Top 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) | 73 | $17,085,000 | $234,041 | $0 | 0.00% |
| Outside of Metro Areas | 6 | $3,900,000 | $650,000 | $0 | 0.00% |
| El Campo, TX (FHA|USDA|VA) | 4 | $1,100,000 | $275,000 | $0 | 0.00% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 4 | $600,000 | $150,000 | $0 | 0.00% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $0 | 0.00% |
| Brenham, TX (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $0 | 0.00% |
| Huntsville, TX (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $0 | 0.00% |
| Port Lavaca, TX (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 0.00% |
| Bay City, TX (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 93 | $23,905,000 | $257,043 | $0 | 0.00% |
For 2019, Citizens State Bank's most frequently originated type of loan was Conventional, with 93 originations.
Loan Reason
For 2019, Citizens State Bank's most frequently cited loan purpose was Home Purchase, with 60 originations. The 2nd most popular reason was Refi, with 19 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 93 | $23,905,000 | $257,043 | $0 | 0.00% |
For 2019, Citizens State Bank's most frequently cited loan duration was Other, with 93 originations.
Loan Sizing
2019 saw Citizens State Bank place emphasis on $100k-200k loans with 29 originations, totaling $4,025,000 in origination value.
Applicant Income
Citizens State Bank lent most frequently to those with incomes in the $100k-150k range, with 21 originations. The second most popular income band? $75k-100k, with 20 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 93 | $23,905,000 | $257,043 | $0 | 0.00% |
Citizens State Bank lent most frequently to those with DTI ratios of Exempt%, with 93 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications96.19%
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 origination91.40%
Citizens State Bank has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 93 | $23,905,000 | $257,043 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Manufactured | 5 | $465,000 | $93,000 |
| Single Family (1-4 Units):Site-Built | 88 | $23,440,000 | $266,364 |
Complaints
| Bank Name | Product | Issue | 2019 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| CITIZENS FINANCIAL GROUP, INC. | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | 10 | 4.3% |
| CITIZENS FINANCIAL GROUP, INC. | Conventional home mortgage | Closing on a mortgage | 6 | 2.6% |
| CITIZENS FINANCIAL GROUP, INC. | Conventional home mortgage | Incorrect information on your report | 1 | 0.4% |
| CITIZENS FINANCIAL GROUP, INC. | Conventional home mortgage | Struggling to pay mortgage | 20 | 8.6% |
| CITIZENS FINANCIAL GROUP, INC. | Conventional home mortgage | Trouble during payment process | 81 | 34.8% |
| CITIZENS FINANCIAL GROUP, INC. | FHA mortgage | Applying for a mortgage or refinancing an existing mortgage | 2 | 0.9% |
| CITIZENS FINANCIAL GROUP, INC. | FHA mortgage | Closing on a mortgage | 3 | 1.3% |
| CITIZENS FINANCIAL GROUP, INC. | FHA mortgage | Incorrect information on your report | 1 | 0.4% |
| CITIZENS FINANCIAL GROUP, INC. | FHA mortgage | Struggling to pay mortgage | 1 | 0.4% |
| CITIZENS FINANCIAL GROUP, INC. | FHA mortgage | Trouble during payment process | 13 | 5.6% |
| CITIZENS FINANCIAL GROUP, INC. | Home equity loan or line of credit (HELOC) | Applying for a mortgage or refinancing an existing mortgage | 11 | 4.7% |
| CITIZENS FINANCIAL GROUP, INC. | Home equity loan or line of credit (HELOC) | Closing on a mortgage | 9 | 3.9% |
| CITIZENS FINANCIAL GROUP, INC. | Home equity loan or line of credit (HELOC) | Struggling to pay mortgage | 8 | 3.4% |
| CITIZENS FINANCIAL GROUP, INC. | Home equity loan or line of credit (HELOC) | Trouble during payment process | 52 | 22.3% |
| CITIZENS FINANCIAL GROUP, INC. | Other type of mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 0.4% |
| CITIZENS FINANCIAL GROUP, INC. | Other type of mortgage | Closing on a mortgage | 4 | 1.7% |
| CITIZENS FINANCIAL GROUP, INC. | Other type of mortgage | Struggling to pay mortgage | 2 | 0.9% |
| CITIZENS FINANCIAL GROUP, INC. | Other type of mortgage | Trouble during payment process | 3 | 1.3% |
| CITIZENS FINANCIAL GROUP, INC. | VA mortgage | Applying for a mortgage or refinancing an existing mortgage | 2 | 0.9% |
| CITIZENS FINANCIAL GROUP, INC. | VA mortgage | Struggling to pay mortgage | 1 | 0.4% |
| CITIZENS FINANCIAL GROUP, INC. | VA mortgage | Trouble during payment process | 2 | 0.9% |