The Citizens Bank Of Edmond Mortgage Rates, Fees & Info
Edmond, OKLEI: 549300OWEWQ1QPPQS302
Tax ID: 73-0183753
Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
The Citizens Bank Of Edmond is a smaller bank specializing in Home Purchase and Cash Out Refi loans. The Citizens Bank Of Edmond has a high proportion of conventional loans. Their top markets by origination volume include: Oklahoma City, Tulsa, Branson, Oxford, and St. Joseph among others. We have data for 6 markets. (Some data included below & more in-depth data is available with an active subscription.)The Citizens Bank Of Edmond 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
82Origination Dollar Volume (All Markets)
$26,910,000Top 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 |
|---|---|---|---|---|---|
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 73 | $24,255,000 | $332,260 | $0 | 0.00% |
| TULSA, OK (FHA|USDA|VA) | 1 | $1,175,000 | $1,175,000 | $0 | 0.00% |
| Outside of Metro Areas | 4 | $840,000 | $210,000 | $0 | 0.00% |
| Branson, MO (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $0 | 0.00% |
| Oxford, MS (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $0 | 0.00% |
| ST. JOSEPH, MO-KS (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 82 | $26,910,000 | $328,171 | $0 | 0.00% |
For 2024, The Citizens Bank Of Edmond's most frequently originated type of loan was Conventional, with 82 originations.
Loan Reason
For 2024, The Citizens Bank Of Edmond's most frequently cited loan purpose was Home Purchase, with 52 originations. The 2nd most popular reason was Cash Out Refi, with 23 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 82 | $26,910,000 | $328,171 | $0 | 0.00% |
For 2024, The Citizens Bank Of Edmond's most frequently cited loan duration was Other, with 82 originations.
Loan Sizing
2024 saw The Citizens Bank Of Edmond place emphasis on $100k-200k loans with 37 originations, totaling $5,405,000 in origination value.
Applicant Income
The Citizens Bank Of Edmond lent most frequently to those with incomes in the $250k+ range, with 9 originations. The second most popular income band? $150k-250k, with 4 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 82 | $26,910,000 | $328,171 | $0 | 0.00% |
The Citizens Bank Of Edmond lent most frequently to those with DTI ratios of Exempt%, with 82 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications97.73%
The Citizens Bank Of Edmond has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination95.12%
The Citizens Bank Of Edmond 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 | 82 | $26,910,000 | $328,171 |