Citizens Deposit Bank & Trust Mortgage Rates, Fees & Info
Vanceburg, KYLEI: 549300BDG3JYX3L37670
Tax ID: 61-1223567
Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
Citizens Deposit Bank & Trust is a smaller bank specializing in Home Purchase and Refi loans. Citizens Deposit Bank & Trust has a high proportion of conventional loans. Their top markets by origination volume include: Cincinnati, Huntington, Maysville, Louisville, and Cleveland among others. We have data for 11 markets. (Some data included below & more in-depth data is available with an active subscription.)Citizens Deposit Bank & Trust 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
99Origination Dollar Volume (All Markets)
$15,925,000Top 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 |
|---|---|---|---|---|---|
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 14 | $5,400,000 | $385,714 | $0 | 0.00% |
| HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) | 33 | $4,865,000 | $147,424 | $0 | 0.00% |
| Outside of Metro Areas | 30 | $3,060,000 | $102,000 | $0 | 0.00% |
| Maysville, KY (FHA|USDA|VA) | 10 | $880,000 | $88,000 | $0 | 0.00% |
| LOUISVILLE, KY (FHA|USDA|VA) | 6 | $540,000 | $90,000 | $0 | 0.00% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $0 | 0.00% |
| Scottsburg, IN (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $0 | 0.00% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 0.00% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 0.00% |
| Portsmouth, OH (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 0.00% |
| Point Pleasant, WV-OH (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 99 | $15,925,000 | $160,859 | $0 | 0.00% |
For 2021, Citizens Deposit Bank & Trust's most frequently originated type of loan was Conventional, with 99 originations.
Loan Reason
For 2021, Citizens Deposit Bank & Trust's most frequently cited loan purpose was Home Purchase, with 50 originations. The 2nd most popular reason was Refi, with 42 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 99 | $15,925,000 | $160,859 | $0 | 0.00% |
For 2021, Citizens Deposit Bank & Trust's most frequently cited loan duration was Other, with 99 originations.
Loan Sizing
2021 saw Citizens Deposit Bank & Trust place emphasis on $100,000 or less loans with 53 originations, totaling $2,975,000 in origination value.
Applicant Income
Citizens Deposit Bank & Trust lent most frequently to those with incomes in the $50k-75k range, with 24 originations. The second most popular income band? $50k or less, with 16 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 99 | $15,925,000 | $160,859 | $0 | 0.00% |
Citizens Deposit Bank & Trust lent most frequently to those with DTI ratios of Exempt%, with 99 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications97.09%
Citizens Deposit Bank & Trust has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination98.99%
Citizens Deposit Bank & Trust has an exceptionally high pick rate. They most likely have borrower friendly terms or other characteristics like being fast to close or are easy to work with.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 99 | $15,925,000 | $160,859 |
Complaints
| Bank Name | Product | Issue | 2021 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| CITIZENS FINANCIAL GROUP, INC. | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | 54 | 15.6% |
| CITIZENS FINANCIAL GROUP, INC. | Conventional home mortgage | Closing on a mortgage | 22 | 6.3% |
| CITIZENS FINANCIAL GROUP, INC. | Conventional home mortgage | Improper use of your report | 1 | 0.3% |
| CITIZENS FINANCIAL GROUP, INC. | Conventional home mortgage | Incorrect information on your report | 6 | 1.7% |
| CITIZENS FINANCIAL GROUP, INC. | Conventional home mortgage | Problem with a credit reporting company's investigation into an existing problem | 3 | 0.9% |
| CITIZENS FINANCIAL GROUP, INC. | Conventional home mortgage | Struggling to pay mortgage | 27 | 7.8% |
| CITIZENS FINANCIAL GROUP, INC. | Conventional home mortgage | Trouble during payment process | 116 | 33.4% |
| CITIZENS FINANCIAL GROUP, INC. | FHA mortgage | Applying for a mortgage or refinancing an existing mortgage | 7 | 2.0% |
| CITIZENS FINANCIAL GROUP, INC. | FHA mortgage | Closing on a mortgage | 4 | 1.2% |
| CITIZENS FINANCIAL GROUP, INC. | FHA mortgage | Struggling to pay mortgage | 15 | 4.3% |
| CITIZENS FINANCIAL GROUP, INC. | FHA mortgage | Trouble during payment process | 19 | 5.5% |
| CITIZENS FINANCIAL GROUP, INC. | Home equity loan or line of credit (HELOC) | Applying for a mortgage or refinancing an existing mortgage | 7 | 2.0% |
| CITIZENS FINANCIAL GROUP, INC. | Home equity loan or line of credit (HELOC) | Closing on a mortgage | 4 | 1.2% |
| CITIZENS FINANCIAL GROUP, INC. | Home equity loan or line of credit (HELOC) | Incorrect information on your report | 2 | 0.6% |
| CITIZENS FINANCIAL GROUP, INC. | Home equity loan or line of credit (HELOC) | Struggling to pay mortgage | 2 | 0.6% |
| CITIZENS FINANCIAL GROUP, INC. | Home equity loan or line of credit (HELOC) | Trouble during payment process | 27 | 7.8% |
| CITIZENS FINANCIAL GROUP, INC. | Other type of mortgage | Applying for a mortgage or refinancing an existing mortgage | 5 | 1.4% |
| CITIZENS FINANCIAL GROUP, INC. | Other type of mortgage | Closing on a mortgage | 3 | 0.9% |
| CITIZENS FINANCIAL GROUP, INC. | Other type of mortgage | Improper use of your report | 1 | 0.3% |
| CITIZENS FINANCIAL GROUP, INC. | Other type of mortgage | Incorrect information on your report | 1 | 0.3% |
| CITIZENS FINANCIAL GROUP, INC. | Other type of mortgage | Struggling to pay mortgage | 3 | 0.9% |
| CITIZENS FINANCIAL GROUP, INC. | Other type of mortgage | Trouble during payment process | 13 | 3.7% |
| CITIZENS FINANCIAL GROUP, INC. | VA mortgage | Struggling to pay mortgage | 2 | 0.6% |
| CITIZENS FINANCIAL GROUP, INC. | VA mortgage | Trouble during payment process | 3 | 0.9% |
Bank Details
Branches
| Bank Name | Branch | Branch Type | Deposits (000's) |
|---|---|---|---|
| Citizens Deposit Bank & Trust | 10 Second St Vanceburg, KY 41179 | Full Service B&M | $70,309 |
| Citizens Deposit Bank & Trust | 104 East Main Street Ripley, OH 45167 | Full Service B&M | $33,492 |
| Citizens Deposit Bank & Trust | 111 Powell Street Brooksville, KY 41004 | Full Service B&M | $19,808 |
| Citizens Deposit Bank & Trust | 1126 Main Street Jackson, KY 41339 | Full Service B&M | $65,578 |
| Citizens Deposit Bank & Trust | 1201 Us Hwy 68 Maysville, KY 41056 | Full Service B&M | $62,820 |
| Citizens Deposit Bank & Trust | 136 Plaza Dr Cold Spring, KY 41076 | Full Service B&M | $9,706 |
| Citizens Deposit Bank & Trust | 17 West Walnut Street Mount Olivet, KY 41064 | Full Service B&M | $19,182 |
| Citizens Deposit Bank & Trust | 221 Railroad Street Ironton, OH 45638 | Full Service B&M | $90,411 |
| Citizens Deposit Bank & Trust | 2600 5th Avenue Huntington, WV 25702 | Full Service B&M | $33,103 |
| Citizens Deposit Bank & Trust | 2954 West Ky 10 Tollesboro, KY 41189 | Full Service B&M | $22,686 |
| Citizens Deposit Bank & Trust | 3425 Valley Plaza Fort Wright, KY 41011 | Full Service B&M | $15,937 |
| Citizens Deposit Bank & Trust | 5230 S Main St Eminence, KY 40019 | Full Service B&M | $49,344 |
| Citizens Deposit Bank & Trust | 67 Commercial Drive Vanceburg, KY 41179 | Full Service B&M | $12,551 |
| Citizens Deposit Bank & Trust | 7604 County Road 107 Unit A Proctorville, OH 45669 | Full Service B&M | $15,905 |
| Citizens Deposit Bank & Trust | 770 Kentucky Highway 15 North Jackson, KY 41339 | Full Service B&M | $14,743 |
| Citizens Deposit Bank & Trust | 8545 Us 42 Florence, KY 41042 | Full Service B&M | $6,613 |
| Citizens Deposit Bank & Trust | 9234 East Ky 8 Garrison, KY 41141 | Full Service B&M | $17,436 |
For 2021, Citizens Deposit Bank & Trust had 17 branches.