The Citizens National Bank Mortgage Rates, Fees & Info
Greenleaf, KSLEI: 549300JYEEYQ3BXVCX06
Tax ID: 48-0168925
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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 two markets are Kansas City and Lawrence .The Citizens National Bank has an 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
73Origination Dollar Volume (All Markets)
$7,545,000Top 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 | 51 | $3,885,000 | $76,176 | $0 | 0.00% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 20 | $3,340,000 | $167,000 | $0 | 0.00% |
| LAWRENCE, KS (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 73 | $7,545,000 | $103,356 | $0 | 0.00% |
For 2019, The Citizens National Bank's most frequently originated type of loan was Conventional, with 73 originations.
Loan Reason
For 2019, The Citizens National Bank's most frequently cited loan purpose was Home Purchase, with 31 originations. The 2nd most popular reason was Refi, with 25 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 73 | $7,545,000 | $103,356 | $0 | 0.00% |
For 2019, The Citizens National Bank's most frequently cited loan duration was Other, with 73 originations.
Loan Sizing
2019 saw The Citizens National Bank place emphasis on $100,000 or less loans with 46 originations, totaling $2,180,000 in origination value.
Applicant Income
The Citizens National Bank lent most frequently to those with incomes in the $50k or less range, with 22 originations. The second most popular income band? $50k-75k, with 13 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 73 | $7,545,000 | $103,356 | $0 | 0.00% |
The Citizens National Bank lent most frequently to those with DTI ratios of Exempt%, with 73 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| White | 64 | $6,390,000 | $99,844 | $0 | 0.00% |
| Not applicable | 9 | $1,155,000 | $128,333 | $0 | 0.00% |
Approval Rates
Total approvals of all applications85.23%
The Citizens National Bank has an average approval rate.
Pick Rate
Approvals leading to origination97.26%
The Citizens National Bank has an exceptionally high pick rate. They most likely have borrower friendly terms or other characteristics like being fast to close or are easy to work with.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 73 | $7,545,000 | $103,356 |