First Citizens National Bank Mortgage Rates, Fees & Info
Upper Sandusky, OHLEI: 254900XDYZ6BODFLQ385
Tax ID: 34-4391265
Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
First Citizens National Bank is a smaller bank specializing in Refi and Home Purchase loans. First Citizens National Bank has a high proportion of conventional loans. Their top markets by origination volume include: Columbus, Myrtle Beach, Bucyrus, Marion, and Findlay among others. We have data for 10 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.
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Originations
80Origination Dollar Volume (All Markets)
$14,360,000Top 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 | 50 | $6,700,000 | $134,000 | $0 | 0.00% |
| COLUMBUS, OH (FHA|USDA|VA) | 11 | $4,395,000 | $399,545 | $0 | 0.00% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 2 | $940,000 | $470,000 | $0 | 0.00% |
| Bucyrus-Galion, OH (FHA|USDA|VA) | 2 | $790,000 | $395,000 | $0 | 0.00% |
| Marion, OH (FHA|USDA|VA) | 6 | $520,000 | $86,667 | $0 | 0.00% |
| Findlay, OH (FHA|USDA|VA) | 3 | $325,000 | $108,333 | $0 | 0.00% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $0 | 0.00% |
| Tiffin, OH (FHA|USDA|VA) | 3 | $185,000 | $61,667 | $0 | 0.00% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 0.00% |
| TOLEDO, OH (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 80 | $14,360,000 | $179,500 | $0 | 0.00% |
For 2018, First Citizens National Bank's most frequently originated type of loan was Conventional, with 80 originations.
Loan Reason
For 2018, First Citizens National Bank's most frequently cited loan purpose was Refi, with 34 originations. The 2nd most popular reason was Home Purchase, with 29 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 80 | $14,360,000 | $179,500 | $0 | 0.00% |
For 2018, First Citizens National Bank's most frequently cited loan duration was Other, with 80 originations.
Loan Sizing
2018 saw First Citizens National Bank place emphasis on $100,000 or less loans with 42 originations, totaling $2,370,000 in origination value.
Applicant Income
First Citizens National Bank lent most frequently to those with incomes in the $50k-75k range, with 19 originations. The second most popular income band? $50k or less, with 14 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 80 | $14,360,000 | $179,500 | $0 | 0.00% |
First Citizens National Bank lent most frequently to those with DTI ratios of Exempt%, with 80 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications81.02%
First Citizens National Bank has a below average approval rate.
Pick Rate
Approvals leading to origination81.25%
First Citizens National Bank has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 80 | $14,360,000 | $179,500 |
Occupancy Type Mix
Complaints
| Bank Name | Product | Issue | 2018 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| FIRST NATIONAL BANK OF OMAHA | Home equity loan or line of credit (HELOC) | Closing on a mortgage | 1 | 50.0% |
| FIRST NATIONAL BANK OF OMAHA | Conventional home mortgage | Struggling to pay mortgage | 1 | 50.0% |