Citizens Building And Loan Ssb Mortgage Rates, Fees & Info

Greer, SC

LEI: 549300563RCDKOF2Y487

Tax ID: 57-0140540

Latest/2024 | 2023 Data | 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 Building And Loan Ssb is a smaller mortgage company specializing in Other, Home Purchase, and Refi loans. Citizens Building And Loan Ssb has a high proportion of conventional loans. Their top two markets are Spartanburg and Greenville .

    Citizens Building And Loan Ssb has an average approval rate when compared to the average across all lenders. They have an above average pick rate when compared to similar lenders.

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    Originations

    59

    Origination Dollar Volume (All Markets)

    $15,265,000

    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
    SPARTANBURG, SC (FHA|USDA|VA) 28 $8,860,000 $316,429 $0 0.00%
    GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 31 $6,405,000 $206,613 $0 0.00%
    Citizens Building And Loan Ssb's top markets include Spartanburg and Greenville among others.

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

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 59 $15,265,000 $258,729 $0 0.00%

    For 2024, Citizens Building And Loan Ssb'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
    Other 35 $6,185,000 $176,714 $0 0.00%
    Home Purchase 16 $4,710,000 $294,375 $0 0.00%
    Refi 8 $4,370,000 $546,250 $0 0.00%

    For 2024, Citizens Building And Loan Ssb's most frequently cited loan purpose was Other, with 35 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 59 $15,265,000 $258,729 $0 0.00%

    For 2024, Citizens Building And Loan Ssb's most frequently cited loan duration was Other, with 59 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 21 $2,865,000 $136,429 $0 0.00%
    $200k-400k 20 $5,530,000 $276,500 $0 0.00%
    $100,000 or less 12 $790,000 $65,833 $0 0.00%
    $1MM+ 3 $3,855,000 $1,285,000 $0 0.00%
    $600k-1MM 3 $2,225,000 $741,667 $0 0.00%

    2024 saw Citizens Building And Loan Ssb place emphasis on $100k-200k loans with 21 originations, totaling $2,865,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 13 $2,095,000 $161,154 $0 0.00%
    $75k-100k 10 $1,580,000 $158,000 $0 0.00%
    $50k-75k 9 $1,665,000 $185,000 $0 0.00%
    $150k-250k 5 $945,000 $189,000 $0 0.00%
    $250k+ 5 $1,725,000 $345,000 $0 0.00%
    $50k or less 5 $785,000 $157,000 $0 0.00%

    Citizens Building And Loan Ssb lent most frequently to those with incomes in the $100k-150k range, with 13 originations. The second most popular income band? $75k-100k, with 10 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 59 $15,265,000 $258,729 $0 0.00%

    Citizens Building And Loan Ssb 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 52 $11,900,000 $228,846 $0 0.00%
    Not applicable 7 $3,365,000 $480,714 $0 0.00%

    Approval Rates

    Total approvals of all applications
    82.19%

    Citizens Building And Loan Ssb has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    98.31%

    Citizens Building And Loan Ssb has an exceptionally high pick rate. They most likely have borrower friendly terms or other characteristics like being fast to close or are easy to work with.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 59 $15,265,000 $258,729

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    59 $15,265,000 $258,729