The Citizens National Bank Mortgage Rates, Fees & Info
Greenleaf, KSLEI: 549300JYEEYQ3BXVCX06
Tax ID: 48-0168925
Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
The Citizens National Bank is a smaller bank specializing in Home Purchase and Refi loans. The Citizens National Bank has a high proportion of conventional loans. Their top markets by origination volume include: Kansas City, Lawrence, and Topeka among others. We have data for 4 markets. (Some data included below & more in-depth data is available with an active subscription.)The Citizens National Bank has an above average approval rate when compared to the average across all lenders. They have an above average pick rate when compared to similar lenders.
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Originations
50Origination Dollar Volume (All Markets)
$6,500,000Top 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 |
|---|---|---|---|---|---|
| Outside of Metro Areas | 33 | $2,985,000 | $90,455 | $0 | 0.00% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 12 | $2,540,000 | $211,667 | $0 | 0.00% |
| LAWRENCE, KS (FHA|USDA|VA) | 3 | $815,000 | $271,667 | $0 | 0.00% |
| TOPEKA, KS (FHA|USDA|VA) | 2 | $160,000 | $80,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 50 | $6,500,000 | $130,000 | $0 | 0.00% |
For 2023, The Citizens National Bank's most frequently originated type of loan was Conventional, with 50 originations.
Loan Reason
For 2023, The Citizens National Bank's most frequently cited loan purpose was Home Purchase, with 23 originations. The 2nd most popular reason was Refi, with 12 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 50 | $6,500,000 | $130,000 | $0 | 0.00% |
For 2023, The Citizens National Bank's most frequently cited loan duration was Other, with 50 originations.
Loan Sizing
2023 saw The Citizens National Bank place emphasis on $100,000 or less loans with 30 originations, totaling $1,400,000 in origination value.
Applicant Income
The Citizens National Bank lent most frequently to those with incomes in the $75k-100k range, with 11 originations. The second most popular income band? $50k or less, with 8 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 50 | $6,500,000 | $130,000 | $0 | 0.00% |
The Citizens National Bank lent most frequently to those with DTI ratios of Exempt%, with 50 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications98.18%
The Citizens National Bank has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination92.00%
The Citizens National Bank has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 50 | $6,500,000 | $130,000 |