Citizens State Bank Mortgage Rates, Fees & Info
Tyler, TXLEI: 254900VOQT4VJAMUYS20
Tax ID: 75-1249004
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 and Refi loans. Citizens State Bank has a high proportion of conventional loans. Their top markets by origination volume include: Athens, Tyler, Dallas, Houston, and Jacksonville 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 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.
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
90Origination Dollar Volume (All Markets)
$20,970,000Top 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 |
|---|---|---|---|---|---|
| Athens, TX (FHA|USDA|VA) | 34 | $7,500,000 | $220,588 | $0 | 0.00% |
| TYLER, TX (FHA|USDA|VA) | 28 | $5,610,000 | $200,357 | $0 | 0.00% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 10 | $3,110,000 | $311,000 | $0 | 0.00% |
| Outside of Metro Areas | 13 | $2,145,000 | $165,000 | $0 | 0.00% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 2 | $1,870,000 | $935,000 | $0 | 0.00% |
| Jacksonville, TX (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $0 | 0.00% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $0 | 0.00% |
| Palestine, TX (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 89 | $20,615,000 | $231,629 | $0 | 0.00% |
| VA | 1 | $355,000 | $355,000 | $0 | 0.00% |
For 2019, Citizens State Bank's most frequently originated type of loan was Conventional, with 89 originations. Their 2nd most popular type was VA, with 1 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Home Purchase | 62 | $15,840,000 | $255,484 | $0 | 0.00% |
| Refi | 26 | $4,430,000 | $170,385 | $0 | 0.00% |
| Other | 2 | $700,000 | $350,000 | $0 | 0.00% |
For 2019, Citizens State Bank's most frequently cited loan purpose was Home Purchase, with 62 originations. The 2nd most popular reason was Refi, with 26 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 90 | $20,970,000 | $233,000 | $0 | 0.00% |
For 2019, Citizens State Bank's most frequently cited loan duration was Other, with 90 originations.
Loan Sizing
2019 saw Citizens State Bank place emphasis on $100k-200k loans with 39 originations, totaling $5,685,000 in origination value.
Applicant Income
Citizens State Bank lent most frequently to those with incomes in the $100k-150k range, with 25 originations. The second most popular income band? $50k-75k, with 18 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 90 | $20,970,000 | $233,000 | $0 | 0.00% |
Citizens State Bank lent most frequently to those with DTI ratios of Exempt%, with 90 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications79.29%
Citizens State Bank has a below average approval rate.
Pick Rate
Approvals leading to origination76.67%
Citizens State Bank has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 90 | $20,970,000 | $233,000 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Manufactured | 1 | $45,000 | $45,000 |
| Single Family (1-4 Units):Site-Built | 89 | $20,925,000 | $235,112 |
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% |
Bank Details
Branches
| Bank Name | Branch | Branch Type | Deposits (000's) |
|---|---|---|---|
| Citizens State Bank | 11433 Highway 64 West Tyler, TX 75707 | Full Service B&M | $17,146 |
| Citizens State Bank | 1381 South Third Street Mabank, TX 75147 | Full Service B&M | $46,518 |
| Citizens State Bank | 16920 Village Lake Dr. Lindale, TX 75771 | Full Service B&M | $5,625 |
| Citizens State Bank | 210 E. Cedar Creek Parkway Seven Points, TX 75143 | Full Service B&M | $22,879 |
| Citizens State Bank | 216 N. Broad Street Chandler, TX 75758 | Full Service B&M | $55,018 |
| Citizens State Bank | 3915 Ssw Loop 323 Tyler, TX 75701 | Full Service B&M | $98,795 |
| Citizens State Bank | 713 E. Tyler, P.O. Box 831 Athens, TX 75751 | Full Service B&M | $19,734 |
For 2019, Citizens State Bank had 7 branches.