Citizens State Bank Of Loyal Mortgage Rates, Fees & Info
Loyal, WILEI: 5493002PU0KOD7M34E71
Tax ID: 39-0210210
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Mortgage Data
Review & Overview
Citizens State Bank Of Loyal is a smaller bank specializing in Home Purchase loans. Citizens State Bank Of Loyal has a high proportion of conventional loans. Their top two markets are Wausau and Wisconsin Rapids .Citizens State Bank Of Loyal has an above 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
46Origination Dollar Volume (All Markets)
$5,210,000Top 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 | 33 | $3,375,000 | $102,273 | $0 | 0.00% |
| WAUSAU-WESTON, WI (FHA|USDA|VA) | 10 | $1,410,000 | $141,000 | $0 | 0.00% |
| Wisconsin Rapids-Marshfield, WI (FHA|USDA|VA) | 3 | $425,000 | $141,667 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 46 | $5,210,000 | $113,261 | $0 | 0.00% |
For 2023, Citizens State Bank Of Loyal's most frequently originated type of loan was Conventional, with 46 originations.
Loan Reason
For 2023, Citizens State Bank Of Loyal's most frequently cited loan purpose was Home Purchase, with 27 originations. The 2nd most popular reason was Home Improvement, with 6 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 46 | $5,210,000 | $113,261 | $0 | 0.00% |
For 2023, Citizens State Bank Of Loyal's most frequently cited loan duration was Other, with 46 originations.
Loan Sizing
2023 saw Citizens State Bank Of Loyal place emphasis on $100,000 or less loans with 23 originations, totaling $935,000 in origination value.
Applicant Income
Citizens State Bank Of Loyal lent most frequently to those with incomes in the $50k-75k range, with 11 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% | 46 | $5,210,000 | $113,261 | $0 | 0.00% |
Citizens State Bank Of Loyal lent most frequently to those with DTI ratios of Exempt%, with 46 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| White | 42 | $5,000,000 | $119,048 | $0 | 0.00% |
| Not applicable | 3 | $195,000 | $65,000 | $0 | 0.00% |
| Black | 1 | $15,000 | $15,000 | $0 | 0.00% |
Approval Rates
Total approvals of all applications93.22%
Citizens State Bank Of Loyal has an average approval rate.
Pick Rate
Approvals leading to origination80.43%
Citizens State Bank Of Loyal has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 46 | $5,210,000 | $113,261 |