The Citizens Bank Of Philadelphia Mississippi Mortgage Rates, Fees & Info
Philadelphia, MSLEI: 549300J1JK4OE41PLT95
Tax ID: 64-0134511
Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
The Citizens Bank Of Philadelphia Mississippi is a smaller bank specializing in Refi and Home Purchase loans. The Citizens Bank Of Philadelphia Mississippi has a high proportion of conventional loans. Their top markets by origination volume include: Gulfport, Oxford, Memphis, Jackson, and Tupelo among others. We have data for 17 markets. (Some data included below & more in-depth data is available with an active subscription.)The Citizens Bank Of Philadelphia Mississippi 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
313Origination Dollar Volume (All Markets)
$72,165,000Top 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 |
|---|---|---|---|---|---|
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 44 | $30,180,000 | $685,909 | $0 | 0.00% |
| Outside of Metro Areas | 172 | $14,460,000 | $84,070 | $0 | 0.00% |
| Oxford, MS (FHA|USDA|VA) | 17 | $8,695,000 | $511,471 | $0 | 0.00% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 2 | $5,210,000 | $2,605,000 | $0 | 0.00% |
| JACKSON, MS (FHA|USDA|VA) | 21 | $3,175,000 | $151,190 | $0 | 0.00% |
| Tupelo, MS (FHA|USDA|VA) | 4 | $3,090,000 | $772,500 | $0 | 0.00% |
| Meridian, MS (FHA|USDA|VA) | 33 | $2,755,000 | $83,485 | $0 | 0.00% |
| Columbus, MS (FHA|USDA|VA) | 3 | $935,000 | $311,667 | $0 | 0.00% |
| Starkville, MS (FHA|USDA|VA) | 6 | $870,000 | $145,000 | $0 | 0.00% |
| HATTIESBURG, MS (FHA|USDA|VA) | 4 | $730,000 | $182,500 | $0 | 0.00% |
| Natchez, MS-LA (FHA|USDA|VA) | 1 | $655,000 | $655,000 | $0 | 0.00% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 1 | $615,000 | $615,000 | $0 | 0.00% |
| Picayune, MS (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $0 | 0.00% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $0 | 0.00% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 0.00% |
| HOUMA-THIBODAUX, LA (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 0.00% |
| Grenada, MS (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 313 | $72,165,000 | $230,559 | $0 | 0.00% |
For 2024, The Citizens Bank Of Philadelphia Mississippi's most frequently originated type of loan was Conventional, with 313 originations.
Loan Reason
For 2024, The Citizens Bank Of Philadelphia Mississippi's most frequently cited loan purpose was Refi, with 174 originations. The 2nd most popular reason was Home Purchase, with 112 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 313 | $72,165,000 | $230,559 | $0 | 0.00% |
For 2024, The Citizens Bank Of Philadelphia Mississippi's most frequently cited loan duration was Other, with 313 originations.
Loan Sizing
2024 saw The Citizens Bank Of Philadelphia Mississippi place emphasis on $100,000 or less loans with 176 originations, totaling $8,670,000 in origination value.
Applicant Income
The Citizens Bank Of Philadelphia Mississippi lent most frequently to those with incomes in the $100k-150k range, with 60 originations. The second most popular income band? $150k-250k, with 50 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 313 | $72,165,000 | $230,559 | $0 | 0.00% |
The Citizens Bank Of Philadelphia Mississippi lent most frequently to those with DTI ratios of Exempt%, with 313 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications92.86%
The Citizens Bank Of Philadelphia Mississippi has an average approval rate.
Pick Rate
Approvals leading to origination76.36%
The Citizens Bank Of Philadelphia Mississippi has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 313 | $72,165,000 | $230,559 |