Citizens State Bank Mortgage Rates, Fees & Info

Woodville, TX

LEI: 549300C1W6Z8G84PDE17

Tax ID: 74-0557960

Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Review & Overview

    Citizens State Bank is a smaller bank specializing in Home Purchase loans. Citizens State Bank has a high proportion of conventional loans. They have an average proportion of FHA loans. Their top two markets are Houston and Beaumont .

    Citizens State Bank 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

    11

    Origination Dollar Volume (All Markets)

    $4,575,000

    Top 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
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 4 $2,940,000 $735,000 $0 0.00%
    Outside of Metro Areas 6 $1,450,000 $241,667 $0 0.00%
    BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 1 $185,000 $185,000 $0 0.00%
    Citizens State Bank's top markets include Houston and Beaumont among others.

    Their top states include:
  • Texas (FHA|USDA|VA)

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 10 $4,270,000 $427,000 $0 0.00%
    FHA 1 $305,000 $305,000 $0 0.00%

    For 2024, Citizens State Bank's most frequently originated type of loan was Conventional, with 10 originations. Their 2nd most popular type was FHA, with 1 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 11 $4,575,000 $415,909 $0 0.00%

    For 2024, Citizens State Bank's most frequently cited loan purpose was Home Purchase, with 11 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 11 $4,575,000 $415,909 $0 0.00%

    For 2024, Citizens State Bank's most frequently cited loan duration was Other, with 11 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 4 $980,000 $245,000 $0 0.00%
    $100,000 or less 2 $170,000 $85,000 $0 0.00%
    $100k-200k 2 $340,000 $170,000 $0 0.00%
    $600k-1MM 2 $1,210,000 $605,000 $0 0.00%
    $1MM+ 1 $1,875,000 $1,875,000 $0 0.00%

    2024 saw Citizens State Bank place emphasis on $200k-400k loans with 4 originations, totaling $980,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $250k+ 4 $3,170,000 $792,500 $0 0.00%
    $150k-250k 2 $560,000 $280,000 $0 0.00%
    $75k-100k 2 $420,000 $210,000 $0 0.00%

    Citizens State Bank lent most frequently to those with incomes in the $250k+ range, with 4 originations. The second most popular income band? $150k-250k, with 2 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 11 $4,575,000 $415,909 $0 0.00%

    Citizens State Bank lent most frequently to those with DTI ratios of Exempt%, with 11 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 5 $3,155,000 $631,000 $0 0.00%
    Not provided 3 $995,000 $331,667 $0 0.00%
    Not applicable 3 $425,000 $141,667 $0 0.00%

    Approval Rates

    Total approvals of all applications
    80.00%

    Citizens State Bank has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    54.55%

    Citizens State Bank 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 11 $4,575,000 $415,909

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    11 $4,575,000 $415,909