Citizens 1st Bank Mortgage Rates, Fees & Info
Tyler, TXLEI: 254900TSSJ6QLFK4C243
Tax ID: 75-0188030
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Mortgage Data
Review & Overview
Citizens 1st Bank is a smaller bank specializing in Home Purchase loans. Citizens 1st Bank has a high proportion of conventional loans. Their top markets by origination volume include: Dallas, Tyler, Lawrence, Houston, and Nacogdoches among others. We have data for 12 markets. (Some data included below & more in-depth data is available with an active subscription.)Citizens 1st 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
71Origination Dollar Volume (All Markets)
$31,815,000Top 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 |
|---|---|---|---|---|---|
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 6 | $8,890,000 | $1,481,667 | $0 | 0.00% |
| TYLER, TX (FHA|USDA|VA) | 25 | $6,715,000 | $268,600 | $0 | 0.00% |
| LAWRENCE, KS (FHA|USDA|VA) | 2 | $6,160,000 | $3,080,000 | $0 | 0.00% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 7 | $2,365,000 | $337,857 | $0 | 0.00% |
| Nacogdoches, TX (FHA|USDA|VA) | 17 | $2,265,000 | $133,235 | $0 | 0.00% |
| Jacksonville, TX (FHA|USDA|VA) | 4 | $1,700,000 | $425,000 | $0 | 0.00% |
| Outside of Metro Areas | 2 | $1,320,000 | $660,000 | $0 | 0.00% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 2 | $920,000 | $460,000 | $0 | 0.00% |
| LONGVIEW, TX (FHA|USDA|VA) | 1 | $895,000 | $895,000 | $0 | 0.00% |
| BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 0.00% |
| Lufkin, TX (FHA|USDA|VA) | 3 | $195,000 | $65,000 | $0 | 0.00% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 71 | $31,815,000 | $448,099 | $0 | 0.00% |
For 2023, Citizens 1st Bank's most frequently originated type of loan was Conventional, with 71 originations.
Loan Reason
For 2023, Citizens 1st Bank's most frequently cited loan purpose was Home Purchase, with 49 originations. The 2nd most popular reason was Home Improvement, with 11 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 71 | $31,815,000 | $448,099 | $0 | 0.00% |
For 2023, Citizens 1st Bank's most frequently cited loan duration was Other, with 71 originations.
Loan Sizing
2023 saw Citizens 1st Bank place emphasis on $100k-200k loans with 21 originations, totaling $2,895,000 in origination value.
Applicant Income
Citizens 1st Bank lent most frequently to those with incomes in the $250k+ range, with 15 originations. The second most popular income band? $100k-150k, with 10 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 71 | $31,815,000 | $448,099 | $0 | 0.00% |
Citizens 1st Bank lent most frequently to those with DTI ratios of Exempt%, with 71 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications88.14%
Citizens 1st Bank has an average approval rate.
Pick Rate
Approvals leading to origination57.75%
Citizens 1st Bank has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 71 | $31,815,000 | $448,099 |