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 loans. Citizens State Bank has a high proportion of conventional loans. Their top markets by origination volume include: Tyler, Athens, Dallas, Houston, and Corsicana among others. We have data for 6 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
16Origination Dollar Volume (All Markets)
$3,060,000Top 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 |
---|---|---|---|---|---|
Outside of Metro Areas | 2 | $760,000 | $380,000 | $0 | 0.00% |
TYLER, TX (FHA|USDA|VA) | 4 | $650,000 | $162,500 | $0 | 0.00% |
Athens, TX (FHA|USDA|VA) | 6 | $620,000 | $103,333 | $0 | 0.00% |
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $0 | 0.00% |
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $0 | 0.00% |
Corsicana, TX (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 0.00% |
Product Mix
Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
---|---|---|---|---|---|
Conventional | 16 | $3,060,000 | $191,250 | $0 | 0.00% |
For 2020, Citizens State Bank's most frequently originated type of loan was Conventional, with 16 originations.
Loan Reason
Loan Reason | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
---|---|---|---|---|---|
Home Purchase | 11 | $2,525,000 | $229,545 | $0 | 0.00% |
Refi | 5 | $535,000 | $107,000 | $0 | 0.00% |
For 2020, Citizens State Bank's most frequently cited loan purpose was Home Purchase, with 11 originations. The 2nd most popular reason was Refi, with 5 originations.
Loan Duration/Length
Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
---|---|---|---|---|---|
Other | 16 | $3,060,000 | $191,250 | $0 | 0.00% |
For 2020, Citizens State Bank's most frequently cited loan duration was Other, with 16 originations.
Loan Sizing
2020 saw Citizens State Bank place emphasis on $100k-200k loans with 7 originations, totaling $925,000 in origination value.
Applicant Income
Citizens State Bank lent most frequently to those with incomes in the $150k-250k range, with 4 originations. The second most popular income band? $100k-150k, with 2 originations.
Applicant Debt to Income Ratio
DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
---|---|---|---|---|---|
Exempt% | 16 | $3,060,000 | $191,250 | $0 | 0.00% |
Citizens State Bank lent most frequently to those with DTI ratios of Exempt%, with 16 originations.
Ethnicity Mix
Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
---|---|---|---|---|---|
White | 9 | $1,925,000 | $213,889 | $0 | 0.00% |
Not applicable | 6 | $850,000 | $141,667 | $0 | 0.00% |
Asian | 1 | $285,000 | $285,000 | $0 | 0.00% |
Approval Rates
Total approvals of all applications83.33%
Citizens State Bank has a below average approval rate.
Pick Rate
Approvals leading to origination75.00%
Citizens State Bank has a below average pick rate.
Points and Fees
Points | Originations | Total Value | Average Loan |
---|---|---|---|
Exempt | 16 | $3,060,000 | $191,250 |
Occupancy Type Mix
Dwelling Type | Originations | Total Value | Average Loan |
---|---|---|---|
Single Family (1-4 Units):Manufactured | 2 | $110,000 | $55,000 |
Single Family (1-4 Units):Site-Built | 14 | $2,950,000 | $210,714 |
Complaints
Bank Name | Product | Issue | 2020 CPFB Complaints | % of Total Issues |
---|---|---|---|---|
CITIZENS FINANCIAL GROUP, INC. | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | 35 | 12.8% |
CITIZENS FINANCIAL GROUP, INC. | Conventional home mortgage | Closing on a mortgage | 13 | 4.7% |
CITIZENS FINANCIAL GROUP, INC. | Conventional home mortgage | Credit monitoring or identity theft protection services | 1 | 0.4% |
CITIZENS FINANCIAL GROUP, INC. | Conventional home mortgage | Incorrect information on your report | 5 | 1.8% |
CITIZENS FINANCIAL GROUP, INC. | Conventional home mortgage | Problem with a credit reporting company's investigation into an existing problem | 1 | 0.4% |
CITIZENS FINANCIAL GROUP, INC. | Conventional home mortgage | Struggling to pay mortgage | 26 | 9.5% |
CITIZENS FINANCIAL GROUP, INC. | Conventional home mortgage | Trouble during payment process | 109 | 39.8% |
CITIZENS FINANCIAL GROUP, INC. | FHA mortgage | Applying for a mortgage or refinancing an existing mortgage | 3 | 1.1% |
CITIZENS FINANCIAL GROUP, INC. | FHA mortgage | Struggling to pay mortgage | 6 | 2.2% |
CITIZENS FINANCIAL GROUP, INC. | FHA mortgage | Trouble during payment process | 7 | 2.6% |
CITIZENS FINANCIAL GROUP, INC. | Home equity loan or line of credit (HELOC) | Applying for a mortgage or refinancing an existing mortgage | 8 | 2.9% |
CITIZENS FINANCIAL GROUP, INC. | Home equity loan or line of credit (HELOC) | Closing on a mortgage | 3 | 1.1% |
CITIZENS FINANCIAL GROUP, INC. | Home equity loan or line of credit (HELOC) | Struggling to pay mortgage | 6 | 2.2% |
CITIZENS FINANCIAL GROUP, INC. | Home equity loan or line of credit (HELOC) | Trouble during payment process | 20 | 7.3% |
CITIZENS FINANCIAL GROUP, INC. | Other type of mortgage | Applying for a mortgage or refinancing an existing mortgage | 7 | 2.6% |
CITIZENS FINANCIAL GROUP, INC. | Other type of mortgage | Closing on a mortgage | 4 | 1.5% |
CITIZENS FINANCIAL GROUP, INC. | Other type of mortgage | Struggling to pay mortgage | 2 | 0.7% |
CITIZENS FINANCIAL GROUP, INC. | Other type of mortgage | Trouble during payment process | 11 | 4.0% |
CITIZENS FINANCIAL GROUP, INC. | VA mortgage | Struggling to pay mortgage | 3 | 1.1% |
CITIZENS FINANCIAL GROUP, INC. | VA mortgage | Trouble during payment process | 4 | 1.5% |