Citizens Bank & Trust Mortgage Rates, Fees & Info
Guntersville, ALLEI: 5493005GHHD2LL3US857
Tax ID: 43-1994736
Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
Citizens Bank & Trust is a smaller bank specializing in Home Purchase and Refi loans. Citizens Bank & Trust has a high proportion of conventional loans. Their top markets by origination volume include: Albertville, Scottsboro, Cullman, Birmingham, and Crestview among others. We have data for 12 markets. (Some data included below & more in-depth data is available with an active subscription.)Citizens Bank & Trust 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.
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Originations
76Origination Dollar Volume (All Markets)
$14,130,000Top 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 |
|---|---|---|---|---|---|
| Albertville, AL (FHA|USDA|VA) | 25 | $4,675,000 | $187,000 | $0 | 0.00% |
| Scottsboro, AL (FHA|USDA|VA) | 7 | $1,775,000 | $253,571 | $0 | 0.00% |
| Cullman, AL (FHA|USDA|VA) | 11 | $1,705,000 | $155,000 | $0 | 0.00% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 4 | $1,460,000 | $365,000 | $0 | 0.00% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 1 | $1,405,000 | $1,405,000 | $0 | 0.00% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 11 | $1,055,000 | $95,909 | $0 | 0.00% |
| DECATUR, AL (FHA|USDA|VA) | 6 | $810,000 | $135,000 | $0 | 0.00% |
| Outside of Metro Areas | 2 | $410,000 | $205,000 | $0 | 0.00% |
| Fort Payne, AL (FHA|USDA|VA) | 4 | $380,000 | $95,000 | $0 | 0.00% |
| CLEVELAND, TN (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $0 | 0.00% |
| FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) | 3 | $135,000 | $45,000 | $0 | 0.00% |
| Jasper, AL (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 76 | $14,130,000 | $185,921 | $0 | 0.00% |
For 2024, Citizens Bank & Trust's most frequently originated type of loan was Conventional, with 76 originations.
Loan Reason
For 2024, Citizens Bank & Trust's most frequently cited loan purpose was Home Purchase, with 40 originations. The 2nd most popular reason was Refi, with 26 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 76 | $14,130,000 | $185,921 | $0 | 0.00% |
For 2024, Citizens Bank & Trust's most frequently cited loan duration was Other, with 76 originations.
Loan Sizing
2024 saw Citizens Bank & Trust place emphasis on $100,000 or less loans with 32 originations, totaling $1,660,000 in origination value.
Applicant Income
Citizens Bank & Trust lent most frequently to those with incomes in the $75k-100k range, with 12 originations. The second most popular income band? $100k-150k, with 11 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 76 | $14,130,000 | $185,921 | $0 | 0.00% |
Citizens Bank & Trust lent most frequently to those with DTI ratios of Exempt%, with 76 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications86.49%
Citizens Bank & Trust has an average approval rate.
Pick Rate
Approvals leading to origination77.63%
Citizens Bank & Trust has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 76 | $14,130,000 | $185,921 |