Citizens Bank And Trust Company Mortgage Rates, Fees & Info
Blackstone, VALEI: 54930085YFG0F7C2GE23
Tax ID: 54-0169450
Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
Citizens Bank And Trust Company is a smaller bank specializing in Home Purchase and Refi loans. Citizens Bank And Trust Company has a high proportion of conventional loans. Their top markets by origination volume include: Richmond, Washington, Lynchburg, Charlottesville, and Virginia Beach among others. We have data for 8 markets. (Some data included below & more in-depth data is available with an active subscription.)Citizens Bank And Trust Company has an above 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
160Origination Dollar Volume (All Markets)
$37,560,000Top 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 |
|---|---|---|---|---|---|
| RICHMOND, VA (FHA|USDA|VA) | 78 | $21,580,000 | $276,667 | $0 | 0.00% |
| Outside of Metro Areas | 72 | $13,330,000 | $185,139 | $0 | 0.00% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 1 | $955,000 | $955,000 | $0 | 0.00% |
| LYNCHBURG, VA (FHA|USDA|VA) | 3 | $735,000 | $245,000 | $0 | 0.00% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 3 | $645,000 | $215,000 | $0 | 0.00% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 0.00% |
| Roanoke Rapids, NC (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 0.00% |
| Danville, VA (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 | 160 | $37,560,000 | $234,750 | $0 | 0.00% |
For 2023, Citizens Bank And Trust Company's most frequently originated type of loan was Conventional, with 160 originations.
Loan Reason
For 2023, Citizens Bank And Trust Company's most frequently cited loan purpose was Home Purchase, with 102 originations. The 2nd most popular reason was Refi, with 39 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 160 | $37,560,000 | $234,750 | $0 | 0.00% |
For 2023, Citizens Bank And Trust Company's most frequently cited loan duration was Other, with 160 originations.
Loan Sizing
2023 saw Citizens Bank And Trust Company place emphasis on $100k-200k loans with 51 originations, totaling $7,455,000 in origination value.
Applicant Income
Citizens Bank And Trust Company lent most frequently to those with incomes in the $100k-150k range, with 30 originations. The second most popular income band? $50k or less, with 25 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 160 | $37,560,000 | $234,750 | $0 | 0.00% |
Citizens Bank And Trust Company lent most frequently to those with DTI ratios of Exempt%, with 160 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications91.89%
Citizens Bank And Trust Company has an average approval rate.
Pick Rate
Approvals leading to origination93.75%
Citizens Bank And Trust Company has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 160 | $37,560,000 | $234,750 |