Citizens State Bank Mortgage Rates, Fees & Info
Somerville, TXLEI: 549300DLHIZLJ7617Q04
Tax ID: 74-0557930
Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
Citizens State Bank is a smaller bank specializing in Home Purchase loans. Citizens State Bank has a high proportion of conventional loans. Their top markets by origination volume include: Brenham, College Station, Houston, Austin, and Granbury among others. We have data for 10 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. They have a below average pick rate when compared to similar lenders.
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Originations
133Origination Dollar Volume (All Markets)
$27,905,000Top 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 |
|---|---|---|---|---|---|
| Brenham, TX (FHA|USDA|VA) | 41 | $10,865,000 | $265,000 | $0 | 0.00% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 54 | $9,240,000 | $171,111 | $0 | 0.00% |
| Outside of Metro Areas | 24 | $4,230,000 | $176,250 | $0 | 0.00% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 8 | $1,790,000 | $223,750 | $0 | 0.00% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 1 | $775,000 | $775,000 | $0 | 0.00% |
| Granbury, TX (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $0 | 0.00% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $0 | 0.00% |
| WACO, TX (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $0 | 0.00% |
| Gainesville, TX (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $0 | 0.00% |
| Palestine, TX (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 0.00% |
Similar Lenders
We use machine learning to identify the top lenders compared against Citizens State Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 133 | $27,905,000 | $209,812 | $0 | 0.00% |
For 2024, Citizens State Bank's most frequently originated type of loan was Conventional, with 133 originations.
Loan Reason
For 2024, Citizens State Bank's most frequently cited loan purpose was Home Purchase, with 67 originations. The 2nd most popular reason was Cash Out Refi, with 26 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 133 | $27,905,000 | $209,812 | $0 | 0.00% |
For 2024, Citizens State Bank's most frequently cited loan duration was Other, with 133 originations.
Loan Sizing
2024 saw Citizens State Bank place emphasis on $100k-200k loans with 46 originations, totaling $7,010,000 in origination value.
Applicant Income
Citizens State Bank lent most frequently to those with incomes in the $100k-150k range, with 32 originations. The second most popular income band? $150k-250k, with 17 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 133 | $27,905,000 | $209,812 | $0 | 0.00% |
Citizens State Bank lent most frequently to those with DTI ratios of Exempt%, with 133 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications93.02%
Citizens State Bank has an average approval rate.
Pick Rate
Approvals leading to origination57.89%
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 | 133 | $27,905,000 | $209,812 |