Citizens Bank And Trust Mortgage Rates, Fees & Info
Frostproof, FLLEI: 549300IRRKG7NTX2YD83
Tax ID: 59-0193780
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Mortgage Data
Review & Overview
Citizens Bank And Trust is a smaller bank specializing in Home Purchase loans. Citizens Bank And Trust has a high proportion of conventional loans. Their top markets by origination volume include: Lakeland, Tampa, North Port, Punta Gorda, and Orlando among others. We have data for 11 markets. (Some data included below & more in-depth data is available with an active subscription.)Citizens Bank And Trust 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
244Origination Dollar Volume (All Markets)
$61,580,000Top 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 |
|---|---|---|---|---|---|
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 203 | $38,315,000 | $188,744 | $0 | 0.00% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 25 | $8,925,000 | $357,000 | $0 | 0.00% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 3 | $6,095,000 | $2,031,667 | $0 | 0.00% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 2 | $3,250,000 | $1,625,000 | $0 | 0.00% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 5 | $2,255,000 | $451,000 | $0 | 0.00% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 1 | $1,305,000 | $1,305,000 | $0 | 0.00% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $0 | 0.00% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $0 | 0.00% |
| GAINESVILLE, FL (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $0 | 0.00% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $0 | 0.00% |
| Wauchula, FL (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 244 | $61,580,000 | $252,377 | $0 | 0.00% |
For 2023, Citizens Bank And Trust's most frequently originated type of loan was Conventional, with 244 originations.
Loan Reason
For 2023, Citizens Bank And Trust's most frequently cited loan purpose was Home Purchase, with 156 originations. The 2nd most popular reason was Other, with 35 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 244 | $61,580,000 | $252,377 | $0 | 0.00% |
For 2023, Citizens Bank And Trust's most frequently cited loan duration was Other, with 244 originations.
Loan Sizing
2023 saw Citizens Bank And Trust place emphasis on $100,000 or less loans with 103 originations, totaling $5,465,000 in origination value.
Applicant Income
Citizens Bank And Trust lent most frequently to those with incomes in the $50k-75k range, with 51 originations. The second most popular income band? $100k-150k, with 46 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 244 | $61,580,000 | $252,377 | $0 | 0.00% |
Citizens Bank And Trust lent most frequently to those with DTI ratios of Exempt%, with 244 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications88.85%
Citizens Bank And Trust has an average approval rate.
Pick Rate
Approvals leading to origination85.66%
Citizens Bank And Trust has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 244 | $61,580,000 | $252,377 |