Citizens Building And Loan Ssb Mortgage Rates, Fees & Info

Greer, SC

LEI: 549300563RCDKOF2Y487

Tax ID: 57-0140540

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

Jump to:

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 Home Purchase and Other loans. Citizens Building And Loan Ssb has a high proportion of conventional loans. Their top two markets are Greenville and Spartanburg .

    Citizens Building And Loan Ssb 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.

    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.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.


    Originations

    66

    Origination Dollar Volume (All Markets)

    $16,150,000

    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
    GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 35 $9,875,000 $282,143 $0 0.00%
    SPARTANBURG, SC (FHA|USDA|VA) 29 $5,895,000 $203,276 $0 0.00%
    Outside of Metro Areas 2 $380,000 $190,000 $0 0.00%
    Citizens Building And Loan Ssb's top markets include Greenville and Spartanburg among others.

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

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 66 $16,150,000 $244,697 $0 0.00%

    For 2023, Citizens Building And Loan Ssb's most frequently originated type of loan was Conventional, with 66 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 31 $9,435,000 $304,355 $0 0.00%
    Other 20 $3,880,000 $194,000 $0 0.00%
    Refi 12 $2,320,000 $193,333 $0 0.00%
    Home Improvement 3 $515,000 $171,667 $0 0.00%

    For 2023, Citizens Building And Loan Ssb's most frequently cited loan purpose was Home Purchase, with 31 originations. The 2nd most popular reason was Other, with 20 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 66 $16,150,000 $244,697 $0 0.00%

    For 2023, Citizens Building And Loan Ssb's most frequently cited loan duration was Other, with 66 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 27 $7,495,000 $277,593 $0 0.00%
    $100k-200k 18 $2,770,000 $153,889 $0 0.00%
    $100,000 or less 15 $1,015,000 $67,667 $0 0.00%
    $400k-600k 3 $1,545,000 $515,000 $0 0.00%
    $600k-1MM 2 $1,610,000 $805,000 $0 0.00%
    $1MM+ 1 $1,715,000 $1,715,000 $0 0.00%

    2023 saw Citizens Building And Loan Ssb place emphasis on $200k-400k loans with 27 originations, totaling $7,495,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 16 $3,670,000 $229,375 $0 0.00%
    $50k-75k 11 $1,745,000 $158,636 $0 0.00%
    $75k-100k 9 $1,425,000 $158,333 $0 0.00%
    $50k or less 7 $905,000 $129,286 $0 0.00%
    $250k+ 4 $3,690,000 $922,500 $0 0.00%
    $150k-250k 3 $655,000 $218,333 $0 0.00%

    Citizens Building And Loan Ssb lent most frequently to those with incomes in the $100k-150k range, with 16 originations. The second most popular income band? $50k-75k, with 11 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 66 $16,150,000 $244,697 $0 0.00%

    Citizens Building And Loan Ssb lent most frequently to those with DTI ratios of Exempt%, with 66 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 47 $11,325,000 $240,957 $0 0.00%
    Not applicable 16 $4,060,000 $253,750 $0 0.00%
    American Indian 1 $385,000 $385,000 $0 0.00%
    Black 2 $380,000 $190,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    72.22%

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

    Pick Rate

    Approvals leading to origination
    84.85%

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

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 66 $16,150,000 $244,697

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    66 $16,150,000 $244,697