The Citizens National Bank Mortgage Rates, Fees & Info

Greenleaf, KS

LEI: 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

73

Origination Dollar Volume (All Markets)

$7,545,000

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
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%
The Citizens National Bank's top markets include Kansas City and Lawrence among others.

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

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 31 $2,695,000 $86,935 $0 0.00%
    Refi 25 $3,345,000 $133,800 $0 0.00%
    Cash Out Refi 11 $1,005,000 $91,364 $0 0.00%
    Home Improvement 3 $415,000 $138,333 $0 0.00%
    Other 3 $85,000 $28,333 $0 0.00%

    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

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 46 $2,180,000 $47,391 $0 0.00%
    $100k-200k 15 $2,005,000 $133,667 $0 0.00%
    $200k-400k 12 $3,360,000 $280,000 $0 0.00%

    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

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 22 $1,160,000 $52,727 $0 0.00%
    $50k-75k 13 $1,065,000 $81,923 $0 0.00%
    $100k-150k 10 $1,160,000 $116,000 $0 0.00%
    $75k-100k 10 $1,260,000 $126,000 $0 0.00%
    $250k+ 4 $610,000 $152,500 $0 0.00%
    $150k-250k 2 $590,000 $295,000 $0 0.00%

    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 applications
    85.23%

    The Citizens National Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    97.26%

    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

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 4 $580,000 $145,000
    Single Family (1-4 Units):Site-Built 69 $6,965,000 $100,942