First Citizens National Bank Mortgage Rates, Fees & Info

Upper Sandusky, OH

LEI: 254900XDYZ6BODFLQ385

Tax ID: 34-4391265

Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Review & Overview

    First Citizens National Bank is a smaller bank specializing in Home Purchase loans. First Citizens National Bank has a high proportion of conventional loans. Their top markets by origination volume include: Columbus, Marion, Mansfield, North Port, and Bucyrus among others. We have data for 7 markets. (Some data included below & more in-depth data is available with an active subscription.)

    First Citizens National 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.

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    Originations

    48

    Origination Dollar Volume (All Markets)

    $11,780,000

    Top 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 22 $4,180,000 $190,000 $0 0.00%
    COLUMBUS, OH (FHA|USDA|VA) 8 $2,960,000 $370,000 $0 0.00%
    Marion, OH (FHA|USDA|VA) 11 $2,355,000 $214,091 $0 0.00%
    MANSFIELD, OH (FHA|USDA|VA) 2 $780,000 $390,000 $0 0.00%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 1 $675,000 $675,000 $0 0.00%
    Bucyrus-Galion, OH (FHA|USDA|VA) 3 $585,000 $195,000 $0 0.00%
    Findlay, OH (FHA|USDA|VA) 1 $245,000 $245,000 $0 0.00%
    First Citizens National Bank's top markets include Columbus, Marion, Mansfield, North Port, and Bucyrus among others.

    Their top states include:
  • Ohio (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 48 $11,780,000 $245,417 $0 0.00%

    For 2024, First Citizens National Bank's most frequently originated type of loan was Conventional, with 48 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 33 $10,005,000 $303,182 $0 0.00%
    Refi 7 $1,355,000 $193,571 $0 0.00%
    Home Improvement 5 $205,000 $41,000 $0 0.00%
    Other 3 $215,000 $71,667 $0 0.00%

    For 2024, First Citizens National Bank's most frequently cited loan purpose was Home Purchase, with 33 originations. The 2nd most popular reason was Refi, with 7 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 48 $11,780,000 $245,417 $0 0.00%

    For 2024, First Citizens National Bank's most frequently cited loan duration was Other, with 48 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 18 $980,000 $54,444 $0 0.00%
    $200k-400k 12 $3,210,000 $267,500 $0 0.00%
    $100k-200k 9 $1,355,000 $150,556 $0 0.00%
    $600k-1MM 5 $3,665,000 $733,000 $0 0.00%
    $400k-600k 3 $1,365,000 $455,000 $0 0.00%
    $1MM+ 1 $1,205,000 $1,205,000 $0 0.00%

    2024 saw First Citizens National Bank place emphasis on $100,000 or less loans with 18 originations, totaling $980,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $150k-250k 9 $3,985,000 $442,778 $0 0.00%
    $50k or less 9 $735,000 $81,667 $0 0.00%
    $100k-150k 8 $1,730,000 $216,250 $0 0.00%
    $75k-100k 8 $890,000 $111,250 $0 0.00%
    $50k-75k 5 $605,000 $121,000 $0 0.00%
    $250k+ 4 $2,850,000 $712,500 $0 0.00%

    First Citizens National Bank lent most frequently to those with incomes in the $150k-250k range, with 9 originations. The second most popular income band? $50k or less, with 9 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 48 $11,780,000 $245,417 $0 0.00%

    First Citizens National Bank lent most frequently to those with DTI ratios of Exempt%, with 48 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 42 $10,510,000 $250,238 $0 0.00%
    Not applicable 5 $985,000 $197,000 $0 0.00%
    Asian 1 $285,000 $285,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    86.49%

    First Citizens National Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    79.17%

    First Citizens National Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 48 $11,780,000 $245,417

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    48 $11,780,000 $245,417