Citizens Bank Of Rogersville Mortgage Rates, Fees & Info

Rogersville, MO

LEI: 254900QQIJN4KR6ZBW98

Tax ID: 44-0200190

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & Overview

    Citizens Bank Of Rogersville is a smaller bank specializing in Refi, Home Purchase, and Cash Out Refi loans. Citizens Bank Of Rogersville has a high proportion of conventional loans. Their top markets by origination volume include: Springfield, St. Louis, Branson, Clarksville, and Breckenridge among others. We have data for 7 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Citizens Bank Of Rogersville 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.

    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.

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    Originations

    145

    Origination Dollar Volume (All Markets)

    $28,025,000

    Employee count

    25

    Top 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
    SPRINGFIELD, MO (FHA|USDA|VA) 128 $23,830,000 $186,172 $0 0.00%
    Outside of Metro Areas 9 $2,775,000 $308,333 $0 0.00%
    ST. LOUIS, MO-IL (FHA|USDA|VA) 3 $545,000 $181,667 $0 0.00%
    Branson, MO (FHA|USDA|VA) 2 $270,000 $135,000 $0 0.00%
    CLARKSVILLE, TN-KY (FHA|USDA|VA) 1 $235,000 $235,000 $0 0.00%
    Breckenridge, CO (FHA|USDA|VA) 1 $195,000 $195,000 $0 0.00%
    Pittsburg, KS (FHA|USDA|VA) 1 $175,000 $175,000 $0 0.00%
    Citizens Bank Of Rogersville's top markets include Springfield, St. Louis, Branson, Clarksville, and Breckenridge among others.

    Their top states include:
  • Missouri (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Tennessee (FHA|USDA|VA)
  • Colorado (FHA|USDA|VA)
  • Kansas (FHA|USDA|VA)

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 145 $28,025,000 $193,276 $0 0.00%

    For 2021, Citizens Bank Of Rogersville's most frequently originated type of loan was Conventional, with 145 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 53 $9,425,000 $177,830 $0 0.00%
    Home Purchase 48 $10,890,000 $226,875 $0 0.00%
    Cash Out Refi 39 $7,445,000 $190,897 $0 0.00%
    Other 4 $230,000 $57,500 $0 0.00%
    Home Improvement 1 $35,000 $35,000 $0 0.00%

    For 2021, Citizens Bank Of Rogersville's most frequently cited loan purpose was Refi, with 53 originations. The 2nd most popular reason was Home Purchase, with 48 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 145 $28,025,000 $193,276 $0 0.00%

    For 2021, Citizens Bank Of Rogersville's most frequently cited loan duration was Other, with 145 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 59 $8,885,000 $150,593 $0 0.00%
    $100,000 or less 36 $2,420,000 $67,222 $0 0.00%
    $200k-400k 36 $9,890,000 $274,722 $0 0.00%
    $400k-600k 13 $5,915,000 $455,000 $0 0.00%
    $600k-1MM 1 $915,000 $915,000 $0 0.00%

    2021 saw Citizens Bank Of Rogersville place emphasis on $100k-200k loans with 59 originations, totaling $8,885,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 37 $8,345,000 $225,541 $0 0.00%
    $50k-75k 28 $4,540,000 $162,143 $0 0.00%
    $50k or less 20 $1,750,000 $87,500 $0 0.00%
    $75k-100k 20 $3,960,000 $198,000 $0 0.00%
    $150k-250k 14 $3,130,000 $223,571 $0 0.00%
    $250k+ 13 $3,225,000 $248,077 $0 0.00%

    Citizens Bank Of Rogersville lent most frequently to those with incomes in the $100k-150k range, with 37 originations. The second most popular income band? $50k-75k, with 28 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 145 $28,025,000 $193,276 $0 0.00%

    Citizens Bank Of Rogersville lent most frequently to those with DTI ratios of Exempt%, with 145 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 128 $23,420,000 $182,969 $0 0.00%
    Not applicable 13 $3,075,000 $236,538 $0 0.00%
    Not provided 3 $1,365,000 $455,000 $0 0.00%
    American Indian 1 $165,000 $165,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    95.40%

    Citizens Bank Of Rogersville has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

    Pick Rate

    Approvals leading to origination
    88.28%

    Citizens Bank Of Rogersville has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 145 $28,025,000 $193,276

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    145 $28,025,000 $193,276

    Complaints

    Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 54 15.6%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Closing on a mortgage 22 6.3%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Improper use of your report 1 0.3%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Incorrect information on your report 6 1.7%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Problem with a credit reporting company's investigation into an existing problem 3 0.9%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Struggling to pay mortgage 27 7.8%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Trouble during payment process 116 33.4%
    CITIZENS FINANCIAL GROUP, INC. FHA mortgage Applying for a mortgage or refinancing an existing mortgage 7 2.0%
    CITIZENS FINANCIAL GROUP, INC. FHA mortgage Closing on a mortgage 4 1.2%
    CITIZENS FINANCIAL GROUP, INC. FHA mortgage Struggling to pay mortgage 15 4.3%
    CITIZENS FINANCIAL GROUP, INC. FHA mortgage Trouble during payment process 19 5.5%
    CITIZENS FINANCIAL GROUP, INC. Home equity loan or line of credit (HELOC) Applying for a mortgage or refinancing an existing mortgage 7 2.0%
    CITIZENS FINANCIAL GROUP, INC. Home equity loan or line of credit (HELOC) Closing on a mortgage 4 1.2%
    CITIZENS FINANCIAL GROUP, INC. Home equity loan or line of credit (HELOC) Incorrect information on your report 2 0.6%
    CITIZENS FINANCIAL GROUP, INC. Home equity loan or line of credit (HELOC) Struggling to pay mortgage 2 0.6%
    CITIZENS FINANCIAL GROUP, INC. Home equity loan or line of credit (HELOC) Trouble during payment process 27 7.8%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Applying for a mortgage or refinancing an existing mortgage 5 1.4%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Closing on a mortgage 3 0.9%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Improper use of your report 1 0.3%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Incorrect information on your report 1 0.3%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Struggling to pay mortgage 3 0.9%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Trouble during payment process 13 3.7%
    CITIZENS FINANCIAL GROUP, INC. VA mortgage Struggling to pay mortgage 2 0.6%
    CITIZENS FINANCIAL GROUP, INC. VA mortgage Trouble during payment process 3 0.9%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Citizens Bank of Rogersville 1001 West Center Street Rogersville, MO 65742 Full Service B&M $76,344
    Citizens Bank of Rogersville 4225 East Highway 60 Rogersville, MO 65742 Full Service B&M $17,958

    For 2021, Citizens Bank Of Rogersville had 2 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $4,837
    Net interest income $4,506
    Total noninterest income $1,079
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $80
    Trading account gains and fees $0
    Additional Noninterest Income $999
    Pre-tax net operating income $2,302
    Securities gains (or losses, -) $0
    Income before extraordinary items $2,302
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $2,302
    Minority interest net income $0
    Net income $2,302
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $2,302

    Citizens Bank Of Rogersville's gross interest income from loans was $4,837,000.
    Citizens Bank Of Rogersville's net interest income from loans was $4,506,000.
    Citizens Bank Of Rogersville's fee based income from loans was $80,000.
    Citizens Bank Of Rogersville's net income from loans was $2,302,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $331
    Provision for credit losses $160
    Total noninterest expense $3,123
    Salaries and employee benefits $1,689
    Premises and equipment expense $346
    Additional noninterest expense $1,088
    Applicable income taxes $0
    Net charge-offs $36
    Cash dividends $760

    Citizens Bank Of Rogersville's interest expense for loans was $331,000.
    Citizens Bank Of Rogersville's payroll and benefits expense were $1,689,000.
    Citizens Bank Of Rogersville's property, plant and equipment expenses $346,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $114,199
    Deposits held in domestic offices $114,199
    Deposits by Individuals, partnerships, and corporations $99,542
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $12,346
    Deposits by Commercial banks and other depository institutions in U.S. $2,311
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $38,689
    Demand deposits $29,842
    Nontransaction accounts $75,510
    Money market deposit accounts (MMDAs) $40,158
    Other savings deposits (excluding MMDAs) $16,517
    Total time deposits $18,835
    Total time and savings deposits $84,357
    Noninterest-bearing deposits $29,842
    Interest-bearing deposits $84,357
    Retail deposits $107,791
    IRAs and Keogh plan accounts $2,897
    Brokered deposits $4,057
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $127,663
    Cash & Balances due from depository institutions $13,035
    Interest-bearing balances $9,897
    Total securities $20,975
    Federal funds sold & reverse repurchase $11,216
    Net loans and leases $77,523
    Loan and leases loss allowance $1,135
    Trading account assets $0
    Bank premises and fixed assets $2,319
    Other real estate owned $119
    Goodwill and other intangibles $1,619
    All other assets $857

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $127,663
    Total Liabilities $114,412
    Total deposits $114,199
    Interest-bearing deposits $84,357
    Deposits held in domestic offices $114,199
    % insured (estimated) $70
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $0
    Subordinated debt $0
    All other liabilities $213

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $77,523
    Loan and leases loss allowance $1,135
    Total loans and leases (domestic) $78,658
    All real estate loans $57,986
    Real estate loans in domestic offices $57,986
    Construction and development loans $9,320
    Residential 1-4 family construction $4,837
    Other construction, all land development and other land $4,483
    Loans secured by nonfarm nonresidential properties $18,788
    Nonfarm nonresidential secured by owner-occupied properties $10,701
    Commercial real estate & other non-farm, non-residential $8,087
    Multifamily residential real estate $63
    1-4 family residential loans $24,542
    Farmland loans $5,273
    Loans held in foreign offices $0
    Farm loans $1,609
    Commercial and industrial loans $15,320
    To non-U.S. addressees $0
    Loans to individuals $3,662
    Credit card loans $0
    Related Plans $0
    Consumer Auto Loans $2,365
    Other loans to individuals $1,297
    All other loans & leases $81
    Loans to foreign governments and official institutions $0
    Other loans $81
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $0
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $0
    Non 1-4 family restructured loans & leases $0
    Total loans and leases (foreign) $0

    Citizens Bank of Rogersville had $77,523,000 of loans outstanding in 2021. $57,986,000 of loans were in real estate loans. $9,320,000 of loans were in development loans. $63,000 of loans were in multifamily mortgage loans. $24,542,000 of loans were in 1-4 family mortgage loans. $1,609,000 of loans were in farm loans. $0 of loans were in credit card loans. $2,365,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 55 $11,090 $201,636
    Nonfarm, nonresidential loans - <$100k 12 $463 $38,583
    Nonfarm, nonresidential loans - $100-250k 25 $3,090 $123,600
    Nonfarm, nonresidential loans - $250k-1MM 18 $7,537 $418,722
    Commercial & Industrial, US addressed loans - <$1MM 372 $14,714 $39,554
    Commercial & Industrial, US addressed loans - <$100k 323 $6,957 $21,539
    Commercial & Industrial, US addressed loans - $100-250k 39 $3,791 $97,205
    Commercial & Industrial, US addressed loans - $250k-1MM 10 $3,966 $396,600
    Farmland loans - <$1MM 29 $5,272 $181,793
    Farmland loans - <$100k 10 $609 $60,900
    Farmland loans - $100-250k 7 $918 $131,143
    Farmland loans - $250k-1MM 12 $3,745 $312,083
    Agriculture operations loans - <$1MM 57 $1,609 $28,228
    Agriculture operations loans - <$100k 54 $1,114 $20,630
    Agriculture operations loans - $100-250k 2 $284 $142,000
    Agriculture operations loans - $250k-1MM 1 $211 $211,000