Citizens Bank & Trust Mortgage Rates, Fees & Info
Trenton, GALEI: 254900XASC5S67PMPM58
Tax ID: 58-1743960
Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
Citizens Bank & Trust is a smaller bank specializing in Refi and Home Purchase loans. Citizens Bank & Trust has a high proportion of conventional loans. Their top markets by origination volume include: Chattanooga, Scottsboro, Fort Payne, Knoxville, and Rome among others. We have data for 7 markets. (Some data included below & more in-depth data is available with an active subscription.)Citizens Bank & Trust has an above average approval rate when compared to the average across all lenders. They have an above average pick rate when compared to similar lenders.
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Originations
88Origination Dollar Volume (All Markets)
$8,640,000Top 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 |
|---|---|---|---|---|---|
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 40 | $3,720,000 | $93,000 | $0 | 0.00% |
| Scottsboro, AL (FHA|USDA|VA) | 27 | $2,025,000 | $75,000 | $0 | 0.00% |
| Fort Payne, AL (FHA|USDA|VA) | 17 | $1,925,000 | $113,235 | $0 | 0.00% |
| Outside of Metro Areas | 1 | $435,000 | $435,000 | $0 | 0.00% |
| KNOXVILLE, TN (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $0 | 0.00% |
| ROME, GA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 0.00% |
| DALTON, GA (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 88 | $8,640,000 | $98,182 | $0 | 0.00% |
For 2023, Citizens Bank & Trust's most frequently originated type of loan was Conventional, with 88 originations.
Loan Reason
For 2023, Citizens Bank & Trust's most frequently cited loan purpose was Refi, with 57 originations. The 2nd most popular reason was Home Purchase, with 19 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 88 | $8,640,000 | $98,182 | $0 | 0.00% |
For 2023, Citizens Bank & Trust's most frequently cited loan duration was Other, with 88 originations.
Loan Sizing
2023 saw Citizens Bank & Trust place emphasis on $100,000 or less loans with 60 originations, totaling $3,070,000 in origination value.
Applicant Income
Citizens Bank & Trust lent most frequently to those with incomes in the $100k-150k range, with 19 originations. The second most popular income band? $50k-75k, with 19 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 88 | $8,640,000 | $98,182 | $0 | 0.00% |
Citizens Bank & Trust lent most frequently to those with DTI ratios of Exempt%, with 88 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications94.95%
Citizens Bank & Trust has an average approval rate.
Pick Rate
Approvals leading to origination93.18%
Citizens Bank & Trust has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 88 | $8,640,000 | $98,182 |