Citizens State Bank Mortgage Rates, Fees & Info
Miles, TXLEI: 549300911X1OUPJU7Y90
Tax ID: 75-0187997
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Mortgage Data
Review & Overview
Citizens State Bank is a smaller bank specializing in Home Purchase and Refi loans. Citizens State Bank has a high proportion of conventional loans. Their top markets by origination volume include: San Angelo, Lubbock, Midland, Gulfport, and Ruidoso among others. We have data for 7 markets. (Some data included below & more in-depth data is available with an active subscription.)Citizens State Bank has an above average approval rate when compared to the average across all lenders.
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Originations
73Origination Dollar Volume (All Markets)
$13,275,000Top 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 |
|---|---|---|---|---|---|
| SAN ANGELO, TX (FHA|USDA|VA) | 61 | $11,225,000 | $184,016 | $0 | 0.00% |
| Outside of Metro Areas | 7 | $835,000 | $119,286 | $0 | 0.00% |
| LUBBOCK, TX (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $0 | 0.00% |
| MIDLAND, TX (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $0 | 0.00% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 0.00% |
| Ruidoso, NM (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 0.00% |
| Big Spring, TX (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 | 73 | $13,275,000 | $181,849 | $0 | 0.00% |
For 2023, Citizens State Bank's most frequently originated type of loan was Conventional, with 73 originations.
Loan Reason
For 2023, Citizens State Bank's most frequently cited loan purpose was Home Purchase, with 51 originations. The 2nd most popular reason was Refi, with 16 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 73 | $13,275,000 | $181,849 | $0 | 0.00% |
For 2023, Citizens State Bank's most frequently cited loan duration was Other, with 73 originations.
Loan Sizing
2023 saw Citizens State Bank place emphasis on $100k-200k loans with 34 originations, totaling $4,790,000 in origination value.
Applicant Income
Citizens State Bank lent most frequently to those with incomes in the $100k-150k range, with 10 originations. The second most popular income band? $250k+, with 10 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 73 | $13,275,000 | $181,849 | $0 | 0.00% |
Citizens State Bank lent most frequently to those with DTI ratios of Exempt%, with 73 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| White | 39 | $6,895,000 | $176,795 | $0 | 0.00% |
| Not applicable | 34 | $6,380,000 | $187,647 | $0 | 0.00% |
Approval Rates
Total approvals of all applications98.65%
Citizens State Bank has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to originationPoints and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 73 | $13,275,000 | $181,849 |