First Citizens National Bank Mortgage Rates, Fees & Info
Upper Sandusky, OHLEI: 254900XDYZ6BODFLQ385
Tax ID: 34-4391265
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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, Marion, Findlay, Salt Lake City, and Toledo 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.
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Originations
71Origination Dollar Volume (All Markets)
$9,985,000Top 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 | 49 | $5,515,000 | $112,551 | $0 | 0.00% |
| COLUMBUS, OH (FHA|USDA|VA) | 4 | $1,820,000 | $455,000 | $0 | 0.00% |
| Marion, OH (FHA|USDA|VA) | 9 | $1,365,000 | $151,667 | $0 | 0.00% |
| Findlay, OH (FHA|USDA|VA) | 5 | $545,000 | $109,000 | $0 | 0.00% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $0 | 0.00% |
| TOLEDO, OH (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $0 | 0.00% |
| Tiffin, OH (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 71 | $9,985,000 | $140,634 | $0 | 0.00% |
For 2019, First Citizens National Bank's most frequently originated type of loan was Conventional, with 71 originations.
Loan Reason
For 2019, First Citizens National Bank's most frequently cited loan purpose was Refi, with 31 originations. The 2nd most popular reason was Home Purchase, with 22 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 71 | $9,985,000 | $140,634 | $0 | 0.00% |
For 2019, First Citizens National Bank's most frequently cited loan duration was Other, with 71 originations.
Loan Sizing
2019 saw First Citizens National Bank place emphasis on $100,000 or less loans with 39 originations, totaling $2,225,000 in origination value.
Applicant Income
First Citizens National Bank lent most frequently to those with incomes in the $50k-75k range, with 17 originations. The second most popular income band? $50k or less, with 15 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 71 | $9,985,000 | $140,634 | $0 | 0.00% |
First Citizens National Bank lent most frequently to those with DTI ratios of Exempt%, with 71 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications88.46%
First Citizens National Bank has an average approval rate.
Pick Rate
Approvals leading to origination87.32%
First Citizens National Bank has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 71 | $9,985,000 | $140,634 |
Occupancy Type Mix
Complaints
| Bank Name | Product | Issue | 2019 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| FIRST NATIONAL BANK OF OMAHA | Conventional home mortgage | Closing on a mortgage | 2 | 33.3% |
| FIRST NATIONAL BANK OF OMAHA | Conventional home mortgage | Struggling to pay mortgage | 1 | 16.7% |
| FIRST NATIONAL BANK OF OMAHA | Conventional home mortgage | Trouble during payment process | 3 | 50.0% |