Citizens Bank & Trust Co. Mortgage Rates, Fees & Info

St. Paul, NE

LEI: 5493004RS1R8ZQ6J8543

Tax ID: 47-0125860

Latest/2023 | 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

    Citizens Bank & Trust Co. is a smaller bank specializing in Refi and Home Purchase loans. Citizens Bank & Trust Co. has a high proportion of conventional loans. Their top markets by origination volume include: Lincoln, Grand Island, and Omaha among others. We have data for 4 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Citizens Bank & Trust Co. 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.

    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

    40

    Origination Dollar Volume (All Markets)

    $4,420,000

    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
    LINCOLN, NE (FHA|USDA|VA) 11 $2,115,000 $192,273 $0 0.00%
    Outside of Metro Areas 17 $1,185,000 $69,706 $0 0.00%
    GRAND ISLAND, NE (FHA|USDA|VA) 11 $1,105,000 $100,455 $0 0.00%
    OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 1 $15,000 $15,000 $0 0.00%
    Citizens Bank & Trust Co.'s top markets include Lincoln, Grand Island, and Omaha among others.

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

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 40 $4,420,000 $110,500 $0 0.00%

    For 2023, Citizens Bank & Trust Co.'s most frequently originated type of loan was Conventional, with 40 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 17 $1,405,000 $82,647 $0 0.00%
    Home Purchase 16 $2,620,000 $163,750 $0 0.00%
    Other 4 $260,000 $65,000 $0 0.00%
    Home Improvement 3 $135,000 $45,000 $0 0.00%

    For 2023, Citizens Bank & Trust Co.'s most frequently cited loan purpose was Refi, with 17 originations. The 2nd most popular reason was Home Purchase, with 16 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 40 $4,420,000 $110,500 $0 0.00%

    For 2023, Citizens Bank & Trust Co.'s most frequently cited loan duration was Other, with 40 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 26 $1,410,000 $54,231 $0 0.00%
    $100k-200k 9 $1,225,000 $136,111 $0 0.00%
    $200k-400k 4 $1,180,000 $295,000 $0 0.00%
    $600k-1MM 1 $605,000 $605,000 $0 0.00%

    2023 saw Citizens Bank & Trust Co. place emphasis on $100,000 or less loans with 26 originations, totaling $1,410,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $150k-250k 9 $1,745,000 $193,889 $0 0.00%
    $50k-75k 7 $565,000 $80,714 $0 0.00%
    $75k-100k 7 $485,000 $69,286 $0 0.00%
    $100k-150k 6 $790,000 $131,667 $0 0.00%
    $50k or less 6 $230,000 $38,333 $0 0.00%
    $250k+ 5 $605,000 $121,000 $0 0.00%

    Citizens Bank & Trust Co. lent most frequently to those with incomes in the $150k-250k range, with 9 originations. The second most popular income band? $50k-75k, with 7 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 40 $4,420,000 $110,500 $0 0.00%

    Citizens Bank & Trust Co. lent most frequently to those with DTI ratios of Exempt%, with 40 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 40 $4,420,000 $110,500 $0 0.00%

    Approval Rates

    Total approvals of all applications
    97.67%

    Citizens Bank & Trust Co. has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

    Pick Rate

    Approvals leading to origination
    95.00%

    Citizens Bank & Trust Co. has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 40 $4,420,000 $110,500

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    40 $4,420,000 $110,500