Citizens Bank N.a Mortgage Rates, Fees & Info
Abilene, TXLEI: 549300D1D2WPHU5URX88
Tax ID: 75-0187990
Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
Citizens Bank N.a is a smaller bank specializing in Home Purchase and Cash Out Refi loans. Citizens Bank N.a has a high proportion of conventional loans. Their top markets by origination volume include: Austin, Abilene, and Boulder among others. We have data for 4 markets. (Some data included below & more in-depth data is available with an active subscription.)Citizens Bank N.a has an average approval rate when compared to the average across all lenders. They have an average pick rate when compared to similar lenders.
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Originations
23Origination Dollar Volume (All Markets)
$3,905,000Top 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 |
|---|---|---|---|---|---|
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 1 | $1,645,000 | $1,645,000 | $0 | 0.00% |
| ABILENE, TX (FHA|USDA|VA) | 15 | $1,465,000 | $97,667 | $0 | 0.00% |
| Outside of Metro Areas | 6 | $440,000 | $73,333 | $0 | 0.00% |
| BOULDER, CO (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 23 | $3,905,000 | $169,783 | $0 | 0.00% |
For 2018, Citizens Bank N.a's most frequently originated type of loan was Conventional, with 23 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Home Purchase | 16 | $1,760,000 | $110,000 | $0 | 0.00% |
| Cash Out Refi | 5 | $1,885,000 | $377,000 | $0 | 0.00% |
| Refi | 2 | $260,000 | $130,000 | $0 | 0.00% |
For 2018, Citizens Bank N.a's most frequently cited loan purpose was Home Purchase, with 16 originations. The 2nd most popular reason was Cash Out Refi, with 5 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 23 | $3,905,000 | $169,783 | $0 | 0.00% |
For 2018, Citizens Bank N.a's most frequently cited loan duration was Other, with 23 originations.
Loan Sizing
2018 saw Citizens Bank N.a place emphasis on $100,000 or less loans with 14 originations, totaling $790,000 in origination value.
Applicant Income
Citizens Bank N.a lent most frequently to those with incomes in the $100k-150k range, with 4 originations. The second most popular income band? $250k+, with 4 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications86.21%
Citizens Bank N.a has an average approval rate.
Pick Rate
Approvals leading to origination91.30%
Citizens Bank N.a has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 23 | $3,905,000 | $169,783 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Site-Built | 23 | $3,905,000 | $169,783 |
Complaints
| Bank Name | Product | Issue | 2018 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| CITIZENS FINANCIAL GROUP, INC. | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | 9 | 5.3% |
| CITIZENS FINANCIAL GROUP, INC. | Conventional home mortgage | Closing on a mortgage | 5 | 2.9% |
| CITIZENS FINANCIAL GROUP, INC. | Conventional home mortgage | Improper use of your report | 1 | 0.6% |
| CITIZENS FINANCIAL GROUP, INC. | Conventional home mortgage | Incorrect information on your report | 1 | 0.6% |
| CITIZENS FINANCIAL GROUP, INC. | Conventional home mortgage | Problem with a credit reporting company's investigation into an existing problem | 1 | 0.6% |
| CITIZENS FINANCIAL GROUP, INC. | Conventional home mortgage | Struggling to pay mortgage | 16 | 9.4% |
| CITIZENS FINANCIAL GROUP, INC. | Conventional home mortgage | Trouble during payment process | 36 | 21.1% |
| CITIZENS FINANCIAL GROUP, INC. | FHA mortgage | Applying for a mortgage or refinancing an existing mortgage | 2 | 1.2% |
| CITIZENS FINANCIAL GROUP, INC. | FHA mortgage | Closing on a mortgage | 3 | 1.8% |
| CITIZENS FINANCIAL GROUP, INC. | FHA mortgage | Struggling to pay mortgage | 8 | 4.7% |
| CITIZENS FINANCIAL GROUP, INC. | FHA mortgage | Trouble during payment process | 3 | 1.8% |
| CITIZENS FINANCIAL GROUP, INC. | Home equity loan or line of credit (HELOC) | Applying for a mortgage or refinancing an existing mortgage | 9 | 5.3% |
| CITIZENS FINANCIAL GROUP, INC. | Home equity loan or line of credit (HELOC) | Closing on a mortgage | 3 | 1.8% |
| CITIZENS FINANCIAL GROUP, INC. | Home equity loan or line of credit (HELOC) | Struggling to pay mortgage | 7 | 4.1% |
| CITIZENS FINANCIAL GROUP, INC. | Home equity loan or line of credit (HELOC) | Trouble during payment process | 41 | 24.0% |
| CITIZENS FINANCIAL GROUP, INC. | Other type of mortgage | Applying for a mortgage or refinancing an existing mortgage | 2 | 1.2% |
| CITIZENS FINANCIAL GROUP, INC. | Other type of mortgage | Closing on a mortgage | 3 | 1.8% |
| CITIZENS FINANCIAL GROUP, INC. | Other type of mortgage | Struggling to pay mortgage | 4 | 2.3% |
| CITIZENS FINANCIAL GROUP, INC. | Other type of mortgage | Trouble during payment process | 15 | 8.8% |
| CITIZENS FINANCIAL GROUP, INC. | VA mortgage | Struggling to pay mortgage | 1 | 0.6% |
| CITIZENS FINANCIAL GROUP, INC. | VA mortgage | Trouble during payment process | 1 | 0.6% |