Citizens 1st Bank Mortgage Rates, Fees & Info
Tyler, TXLEI: 254900TSSJ6QLFK4C243
Tax ID: 75-0188030
Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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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: Tyler, Dallas, Nacogdoches, Houston, and Jacksonville among others. We have data for 16 markets. (Some data included below & more in-depth data is available with an active subscription.)Citizens 1st 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
93Origination Dollar Volume (All Markets)
$42,985,000Top 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 |
|---|---|---|---|---|---|
| TYLER, TX (FHA|USDA|VA) | 33 | $21,775,000 | $659,848 | $0 | 0.00% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 4 | $8,150,000 | $2,037,500 | $0 | 0.00% |
| Nacogdoches, TX (FHA|USDA|VA) | 23 | $2,915,000 | $126,739 | $0 | 0.00% |
| Outside of Metro Areas | 2 | $2,510,000 | $1,255,000 | $0 | 0.00% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 4 | $2,130,000 | $532,500 | $0 | 0.00% |
| Jacksonville, TX (FHA|USDA|VA) | 11 | $1,725,000 | $156,818 | $0 | 0.00% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 1 | $555,000 | $555,000 | $0 | 0.00% |
| Athens, TX (FHA|USDA|VA) | 3 | $535,000 | $178,333 | $0 | 0.00% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 1 | $535,000 | $535,000 | $0 | 0.00% |
| Payson, AZ (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $0 | 0.00% |
| LONGVIEW, TX (FHA|USDA|VA) | 3 | $495,000 | $165,000 | $0 | 0.00% |
| Lufkin, TX (FHA|USDA|VA) | 3 | $345,000 | $115,000 | $0 | 0.00% |
| ODESSA, TX (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $0 | 0.00% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 0.00% |
| Rockport, TX (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 0.00% |
| MIDLAND, TX (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 93 | $42,985,000 | $462,204 | $0 | 0.00% |
For 2022, Citizens 1st Bank's most frequently originated type of loan was Conventional, with 93 originations.
Loan Reason
For 2022, Citizens 1st Bank's most frequently cited loan purpose was Home Purchase, with 73 originations. The 2nd most popular reason was Home Improvement, with 8 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 93 | $42,985,000 | $462,204 | $0 | 0.00% |
For 2022, Citizens 1st Bank's most frequently cited loan duration was Other, with 93 originations.
Loan Sizing
2022 saw Citizens 1st Bank place emphasis on $100k-200k loans with 30 originations, totaling $4,470,000 in origination value.
Applicant Income
Citizens 1st Bank lent most frequently to those with incomes in the $150k-250k range, with 19 originations. The second most popular income band? $250k+, with 12 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 93 | $42,985,000 | $462,204 | $0 | 0.00% |
Citizens 1st Bank lent most frequently to those with DTI ratios of Exempt%, with 93 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications91.14%
Citizens 1st Bank has an average approval rate.
Pick Rate
Approvals leading to origination48.39%
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 | 93 | $42,985,000 | $462,204 |
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% |