Citizens Bank & Trust Mortgage Rates, Fees & Info
Guntersville, ALLEI: 5493005GHHD2LL3US857
Tax ID: 43-1994736
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Mortgage Data
Review & Overview
Citizens Bank & Trust is a smaller bank specializing in Home Purchase loans. Citizens Bank & Trust has a high proportion of conventional loans. Their top markets by origination volume include: Boulder, Steamboat Springs, Albertville, Huntsville, and Birmingham among others. We have data for 15 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
75Origination Dollar Volume (All Markets)
$26,375,000Top 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 |
|---|---|---|---|---|---|
| BOULDER, CO (FHA|USDA|VA) | 1 | $6,005,000 | $6,005,000 | $0 | 0.00% |
| Steamboat Springs, CO (FHA|USDA|VA) | 1 | $5,205,000 | $5,205,000 | $0 | 0.00% |
| Albertville, AL (FHA|USDA|VA) | 25 | $5,195,000 | $207,800 | $0 | 0.00% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 14 | $2,250,000 | $160,714 | $0 | 0.00% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 6 | $1,980,000 | $330,000 | $0 | 0.00% |
| Cullman, AL (FHA|USDA|VA) | 8 | $1,210,000 | $151,250 | $0 | 0.00% |
| Outside of Metro Areas | 1 | $875,000 | $875,000 | $0 | 0.00% |
| Scottsboro, AL (FHA|USDA|VA) | 5 | $815,000 | $163,000 | $0 | 0.00% |
| Sevierville, TN (FHA|USDA|VA) | 1 | $705,000 | $705,000 | $0 | 0.00% |
| FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) | 4 | $600,000 | $150,000 | $0 | 0.00% |
| ANNISTON-OXFORD, AL (FHA|USDA|VA) | 4 | $560,000 | $140,000 | $0 | 0.00% |
| GADSDEN, AL (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $0 | 0.00% |
| DECATUR, AL (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $0 | 0.00% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $0 | 0.00% |
| PANAMA CITY, FL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 75 | $26,375,000 | $351,667 | $0 | 0.00% |
For 2023, Citizens Bank & Trust's most frequently originated type of loan was Conventional, with 75 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Home Purchase | 52 | $21,780,000 | $418,846 | $0 | 0.00% |
| Refi | 22 | $4,290,000 | $195,000 | $0 | 0.00% |
| Home Improvement | 1 | $305,000 | $305,000 | $0 | 0.00% |
For 2023, Citizens Bank & Trust's most frequently cited loan purpose was Home Purchase, with 52 originations. The 2nd most popular reason was Refi, with 22 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 75 | $26,375,000 | $351,667 | $0 | 0.00% |
For 2023, Citizens Bank & Trust's most frequently cited loan duration was Other, with 75 originations.
Loan Sizing
2023 saw Citizens Bank & Trust place emphasis on $100,000 or less loans with 28 originations, totaling $1,680,000 in origination value.
Applicant Income
Citizens Bank & Trust lent most frequently to those with incomes in the $75k-100k range, with 16 originations. The second most popular income band? $250k+, with 12 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 75 | $26,375,000 | $351,667 | $0 | 0.00% |
Citizens Bank & Trust lent most frequently to those with DTI ratios of Exempt%, with 75 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications89.09%
Citizens Bank & Trust has an average approval rate.
Pick Rate
Approvals leading to origination69.33%
Citizens Bank & Trust has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 75 | $26,375,000 | $351,667 |