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

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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 Building And Loan Ssb is a smaller mortgage company specializing in Home Purchase and Refi loans. Citizens Building And Loan Ssb has a high proportion of conventional loans. Their top markets by origination volume include: Greenville, Spartanburg, Seneca, and Union among others. We have data for 5 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Citizens Building And Loan Ssb 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

    84

    Origination Dollar Volume (All Markets)

    $19,690,000

    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) 42 $9,600,000 $228,571 $0 0.00%
    SPARTANBURG, SC (FHA|USDA|VA) 36 $7,620,000 $211,667 $0 0.00%
    Outside of Metro Areas 4 $1,180,000 $295,000 $0 0.00%
    Seneca, SC (FHA|USDA|VA) 1 $1,085,000 $1,085,000 $0 0.00%
    Union, SC (FHA|USDA|VA) 1 $205,000 $205,000 $0 0.00%
    Citizens Building And Loan Ssb's top markets include Greenville, Spartanburg, Seneca, and Union 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 84 $19,690,000 $234,405 $0 0.00%

    For 2022, Citizens Building And Loan Ssb's most frequently originated type of loan was Conventional, with 84 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 40 $11,220,000 $280,500 $0 0.00%
    Refi 23 $5,175,000 $225,000 $0 0.00%
    Home Improvement 11 $1,435,000 $130,455 $0 0.00%
    Other 10 $1,860,000 $186,000 $0 0.00%

    For 2022, Citizens Building And Loan Ssb's most frequently cited loan purpose was Home Purchase, with 40 originations. The 2nd most popular reason was Refi, with 23 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 84 $19,690,000 $234,405 $0 0.00%

    For 2022, Citizens Building And Loan Ssb's most frequently cited loan duration was Other, with 84 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 32 $4,810,000 $150,313 $0 0.00%
    $200k-400k 31 $8,525,000 $275,000 $0 0.00%
    $100,000 or less 12 $840,000 $70,000 $0 0.00%
    $400k-600k 4 $1,810,000 $452,500 $0 0.00%
    $600k-1MM 4 $2,620,000 $655,000 $0 0.00%
    $1MM+ 1 $1,085,000 $1,085,000 $0 0.00%

    2022 saw Citizens Building And Loan Ssb place emphasis on $100k-200k loans with 32 originations, totaling $4,810,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $75k-100k 20 $3,810,000 $190,500 $0 0.00%
    $50k-75k 14 $2,660,000 $190,000 $0 0.00%
    $100k-150k 12 $3,580,000 $298,333 $0 0.00%
    $50k or less 10 $1,270,000 $127,000 $0 0.00%
    $150k-250k 8 $1,570,000 $196,250 $0 0.00%
    $250k+ 8 $3,590,000 $448,750 $0 0.00%

    Citizens Building And Loan Ssb lent most frequently to those with incomes in the $75k-100k range, with 20 originations. The second most popular income band? $50k-75k, with 14 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 84 $19,690,000 $234,405 $0 0.00%

    Citizens Building And Loan Ssb lent most frequently to those with DTI ratios of Exempt%, with 84 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 64 $14,770,000 $230,781 $0 0.00%
    Not applicable 10 $2,550,000 $255,000 $0 0.00%
    Black 9 $1,995,000 $221,667 $0 0.00%
    Other Asian 1 $375,000 $375,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    78.76%

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

    Pick Rate

    Approvals leading to origination
    94.05%

    Citizens Building And Loan Ssb has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 84 $19,690,000 $234,405

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    84 $19,690,000 $234,405

    Complaints

    Bank Name Product Issue 2022 CPFB Complaints % of Total Issues
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Closing on a mortgage 1 10.0%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Struggling to pay mortgage 3 30.0%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Trouble during payment process 4 40.0%
    CITIZENS FINANCIAL GROUP, INC. Home equity loan or line of credit (HELOC) Trouble during payment process 1 10.0%
    CITIZENS FINANCIAL GROUP, INC. VA mortgage Trouble during payment process 1 10.0%