The Citizens National Bank Mortgage Rates, Fees & Info

Greenleaf, KS

LEI: 549300JYEEYQ3BXVCX06

Tax ID: 48-0168925

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Review & Overview

    The Citizens National Bank is a smaller bank specializing in Home Purchase and Cash Out Refi loans. The Citizens National Bank has a high proportion of conventional loans. Their top markets by origination volume include: Kansas City, Lawrence, Crestview, and Topeka among others. We have data for 5 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.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

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    Originations

    46

    Origination Dollar Volume (All Markets)

    $4,210,000

    Top 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
    KANSAS CITY, MO-KS (FHA|USDA|VA) 13 $1,755,000 $135,000 $0 0.00%
    Outside of Metro Areas 29 $1,565,000 $53,966 $0 0.00%
    LAWRENCE, KS (FHA|USDA|VA) 2 $660,000 $330,000 $0 0.00%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 1 $195,000 $195,000 $0 0.00%
    TOPEKA, KS (FHA|USDA|VA) 1 $35,000 $35,000 $0 0.00%
    The Citizens National Bank's top markets include Kansas City, Lawrence, Crestview, and Topeka among others.

    Their top states include:
  • Kansas (FHA|USDA|VA)
  • Missouri (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 46 $4,210,000 $91,522 $0 0.00%

    For 2018, The Citizens National Bank's most frequently originated type of loan was Conventional, with 46 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 24 $2,240,000 $93,333 $0 0.00%
    Cash Out Refi 10 $970,000 $97,000 $0 0.00%
    Home Improvement 6 $250,000 $41,667 $0 0.00%
    Refi 6 $750,000 $125,000 $0 0.00%

    For 2018, The Citizens National Bank's most frequently cited loan purpose was Home Purchase, with 24 originations. The 2nd most popular reason was Cash Out Refi, with 10 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 46 $4,210,000 $91,522 $0 0.00%

    For 2018, The Citizens National Bank's most frequently cited loan duration was Other, with 46 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 31 $1,085,000 $35,000 $0 0.00%
    $100k-200k 9 $1,445,000 $160,556 $0 0.00%
    $200k-400k 6 $1,680,000 $280,000 $0 0.00%

    2018 saw The Citizens National Bank place emphasis on $100,000 or less loans with 31 originations, totaling $1,085,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 15 $475,000 $31,667 $0 0.00%
    $100k-150k 6 $980,000 $163,333 $0 0.00%
    $150k-250k 6 $1,150,000 $191,667 $0 0.00%
    $50k-75k 5 $305,000 $61,000 $0 0.00%
    $75k-100k 5 $265,000 $53,000 $0 0.00%

    The Citizens National Bank lent most frequently to those with incomes in the $50k or less range, with 15 originations. The second most popular income band? $100k-150k, with 6 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 46 $4,210,000 $91,522 $0 0.00%

    The Citizens National Bank lent most frequently to those with DTI ratios of Exempt%, with 46 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 37 $3,135,000 $84,730 $0 0.00%
    Not applicable 8 $790,000 $98,750 $0 0.00%
    Not provided 1 $285,000 $285,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    94.34%

    The Citizens National Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    91.30%

    The Citizens National Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 46 $4,210,000 $91,522

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 3 $625,000 $208,333
    Single Family (1-4 Units):Manufactured 1 $15,000 $15,000
    Single Family (1-4 Units):Site-Built 42 $3,570,000 $85,000