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
  • Complaints
  • 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, Kearney, and Omaha among others. We have data for 5 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Citizens Bank & Trust Co. has an average approval rate when compared to the average across all lenders. They have an 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

    59

    Origination Dollar Volume (All Markets)

    $5,845,000

    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 26 $2,330,000 $89,615 $0 0.00%
    LINCOLN, NE (FHA|USDA|VA) 14 $2,260,000 $161,429 $0 0.00%
    GRAND ISLAND, NE (FHA|USDA|VA) 15 $815,000 $54,333 $0 0.00%
    Kearney, NE (FHA|USDA|VA) 2 $260,000 $130,000 $0 0.00%
    OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 2 $180,000 $90,000 $0 0.00%
    Citizens Bank & Trust Co.'s top markets include Lincoln, Grand Island, Kearney, 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 59 $5,845,000 $99,068 $0 0.00%

    For 2018, Citizens Bank & Trust Co.'s most frequently originated type of loan was Conventional, with 59 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 25 $3,015,000 $120,600 $0 0.00%
    Home Purchase 23 $2,055,000 $89,348 $0 0.00%
    Other 6 $550,000 $91,667 $0 0.00%
    Home Improvement 5 $225,000 $45,000 $0 0.00%

    For 2018, Citizens Bank & Trust Co.'s most frequently cited loan purpose was Refi, with 25 originations. The 2nd most popular reason was Home Purchase, with 23 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 59 $5,845,000 $99,068 $0 0.00%

    For 2018, Citizens Bank & Trust Co.'s most frequently cited loan duration was Other, with 59 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 40 $2,120,000 $53,000 $0 0.00%
    $100k-200k 14 $1,900,000 $135,714 $0 0.00%
    $200k-400k 3 $725,000 $241,667 $0 0.00%
    $400k-600k 1 $465,000 $465,000 $0 0.00%
    $600k-1MM 1 $635,000 $635,000 $0 0.00%

    2018 saw Citizens Bank & Trust Co. place emphasis on $100,000 or less loans with 40 originations, totaling $2,120,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 14 $1,060,000 $75,714 $0 0.00%
    $50k-75k 12 $1,100,000 $91,667 $0 0.00%
    $75k-100k 12 $1,150,000 $95,833 $0 0.00%
    $100k-150k 10 $1,040,000 $104,000 $0 0.00%
    $150k-250k 5 $445,000 $89,000 $0 0.00%
    $250k+ 3 $305,000 $101,667 $0 0.00%

    Citizens Bank & Trust Co. lent most frequently to those with incomes in the $50k or less range, with 14 originations. The second most popular income band? $50k-75k, with 12 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 59 $5,845,000 $99,068 $0 0.00%

    Citizens Bank & Trust Co. lent most frequently to those with DTI ratios of Exempt%, with 59 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 56 $5,100,000 $91,071 $0 0.00%
    Not applicable 3 $745,000 $248,333 $0 0.00%

    Approval Rates

    Total approvals of all applications
    89.86%

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

    Pick Rate

    Approvals leading to origination
    94.92%

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

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 59 $5,845,000 $99,068

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Manufactured 8 $720,000 $90,000
    Single Family (1-4 Units):Site-Built 51 $5,125,000 $100,490

    Complaints

    Bank Name Product Issue 2018 CPFB Complaints % of Total Issues
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 9 5.3%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Closing on a mortgage 5 2.9%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Improper use of your report 1 0.6%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Incorrect information on your report 1 0.6%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Problem with a credit reporting company's investigation into an existing problem 1 0.6%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Struggling to pay mortgage 16 9.4%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Trouble during payment process 36 21.1%
    CITIZENS FINANCIAL GROUP, INC. FHA mortgage Applying for a mortgage or refinancing an existing mortgage 2 1.2%
    CITIZENS FINANCIAL GROUP, INC. FHA mortgage Closing on a mortgage 3 1.8%
    CITIZENS FINANCIAL GROUP, INC. FHA mortgage Struggling to pay mortgage 8 4.7%
    CITIZENS FINANCIAL GROUP, INC. FHA mortgage Trouble during payment process 3 1.8%
    CITIZENS FINANCIAL GROUP, INC. Home equity loan or line of credit (HELOC) Applying for a mortgage or refinancing an existing mortgage 9 5.3%
    CITIZENS FINANCIAL GROUP, INC. Home equity loan or line of credit (HELOC) Closing on a mortgage 3 1.8%
    CITIZENS FINANCIAL GROUP, INC. Home equity loan or line of credit (HELOC) Struggling to pay mortgage 7 4.1%
    CITIZENS FINANCIAL GROUP, INC. Home equity loan or line of credit (HELOC) Trouble during payment process 41 24.0%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Applying for a mortgage or refinancing an existing mortgage 2 1.2%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Closing on a mortgage 3 1.8%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Struggling to pay mortgage 4 2.3%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Trouble during payment process 15 8.8%
    CITIZENS FINANCIAL GROUP, INC. VA mortgage Struggling to pay mortgage 1 0.6%
    CITIZENS FINANCIAL GROUP, INC. VA mortgage Trouble during payment process 1 0.6%