Citizens Business Bank Mortgage Rates, Fees & InfoOntario, CA
Tax ID: 95-2868024
Latest/2022 | 2021 Data | 2020 Data | 2019 Data | 2018 Data
Review & OverviewCitizens Business Bank is a smaller bank specializing in Refi and Home Purchase loans. Citizens Business Bank has a high proportion of conventional loans. Their top markets by origination volume include: Los Angeles, Fresno, Riverside, Visalia, and Oxnard among others. We have data for 24 markets. (Some data included below & more in-depth data is available with an active subscription.)
Citizens Business Bank has an 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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Origination Dollar Volume (All Markets)$219,920,000
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|
|Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA)||68||$108,150,000||$1,590,441||$0||0.00%|
|FRESNO, CA (FHA|USDA|VA)||16||$25,870,000||$1,616,875||$0||0.00%|
|RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA)||10||$18,740,000||$1,874,000||$0||0.00%|
|VISALIA, CA (FHA|USDA|VA)||8||$11,360,000||$1,420,000||$0||0.00%|
|OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA)||6||$9,590,000||$1,598,333||$0||0.00%|
|BAKERSFIELD, CA (FHA|USDA|VA)||2||$4,900,000||$2,450,000||$0||0.00%|
|MODESTO, CA (FHA|USDA|VA)||4||$4,660,000||$1,165,000||$0||0.00%|
|PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA)||2||$4,370,000||$2,185,000||$0||0.00%|
|RENO, NV (FHA|USDA|VA)||1||$4,005,000||$4,005,000||$0||0.00%|
|STOCKTON, CA (FHA|USDA|VA)||3||$3,915,000||$1,305,000||$0||0.00%|
|San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA)||2||$3,270,000||$1,635,000||$0||0.00%|
|Outside of Metro Areas||1||$3,125,000||$3,125,000||$0||0.00%|
|CHICO, CA (FHA|USDA|VA)||1||$2,505,000||$2,505,000||$0||0.00%|
|SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA)||3||$2,305,000||$768,333||$0||0.00%|
|VALLEJO, CA (FHA|USDA|VA)||1||$2,075,000||$2,075,000||$0||0.00%|
|SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA)||1||$2,055,000||$2,055,000||$0||0.00%|
|YUBA CITY, CA (FHA|USDA|VA)||1||$2,045,000||$2,045,000||$0||0.00%|
|SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA)||2||$1,810,000||$905,000||$0||0.00%|
|HANFORD-CORCORAN, CA (FHA|USDA|VA)||1||$1,105,000||$1,105,000||$0||0.00%|
|BOISE CITY, ID (FHA|USDA|VA)||1||$1,015,000||$1,015,000||$0||0.00%|
|LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA)||1||$1,005,000||$1,005,000||$0||0.00%|
|Sonora, CA (FHA|USDA|VA)||1||$1,005,000||$1,005,000||$0||0.00%|
|Outside of Metro Areas||1||$805,000||$805,000||$0||0.00%|
|MERCED, CA (FHA|USDA|VA)||1||$235,000||$235,000||$0||0.00%|
|Loan Type||Originations||Total Value||Avg. Loan||Avg. Fees||Avg. Rate|
For 2022, Citizens Business Bank's most frequently originated type of loan was Conventional, with 138 originations.
|Loan Reason||Originations||Total Value||Avg. Loan||Avg. Fees||Avg. Rate|
For 2022, Citizens Business Bank's most frequently cited loan purpose was Refi, with 80 originations. The 2nd most popular reason was Home Purchase, with 47 originations.
|Loan Length||Originations||Total Value||Average Loan||Average Fees||Average Rate|
For 2022, Citizens Business Bank's most frequently cited loan duration was Other, with 138 originations.
|Loan Size||Originations||Total Value||Average Loan||Average Fees||Average Rate|
2022 saw Citizens Business Bank place emphasis on $1MM+ loans with 83 originations, totaling $184,455,000 in origination value.
Citizens Business Bank lent most frequently to those with incomes in the $250k+ range, with 32 originations. The second most popular income band? $150k-250k, with 9 originations.
Applicant Debt to Income Ratio
|DTI Ratio||Originations||Total Value||Average Loan||Average Fees||Average Rate|
Citizens Business Bank lent most frequently to those with DTI ratios of Exempt%, with 138 originations.
Approval RatesTotal approvals of all applications
Citizens Business Bank has a below average approval rate.
Pick RateApprovals leading to origination
Citizens Business Bank has a below average pick rate.
Points and Fees
|Points||Originations||Total Value||Average Loan|
|Bank Name||Product||Issue||2022 CPFB Complaints||% of Total Issues|
|CITIZENS FINANCIAL GROUP, INC.||Conventional home mortgage||Closing on a mortgage||1||10.0%|
|CITIZENS FINANCIAL GROUP, INC.||Conventional home mortgage||Struggling to pay mortgage||3||30.0%|
|CITIZENS FINANCIAL GROUP, INC.||Conventional home mortgage||Trouble during payment process||4||40.0%|
|CITIZENS FINANCIAL GROUP, INC.||Home equity loan or line of credit (HELOC)||Trouble during payment process||1||10.0%|
|CITIZENS FINANCIAL GROUP, INC.||VA mortgage||Trouble during payment process||1||10.0%|