Citizens National Bank Of Texas Mortgage Rates, Fees & Info
Waxahachie, TXLEI: 549300PV2KIL739QYQ35
Tax ID: 75-0187771
Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
Jump to:
Mortgage Data
Review & Overview
Citizens National Bank Of Texas is a smaller bank specializing in Home Purchase loans. Citizens National Bank Of Texas has a high proportion of conventional loans. Their top markets by origination volume include: Dallas, Fayetteville, North Port, Stephenville, and Crestview among others. We have data for 18 markets. (Some data included below & more in-depth data is available with an active subscription.)Citizens National Bank Of Texas 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.
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.
Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.
Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.
Originations
104Origination Dollar Volume (All Markets)
$41,490,000Top 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 |
|---|---|---|---|---|---|
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 69 | $22,105,000 | $320,362 | $0 | 0.00% |
| Outside of Metro Areas | 7 | $5,955,000 | $850,714 | $0 | 0.00% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 1 | $1,925,000 | $1,925,000 | $0 | 0.00% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 1 | $1,915,000 | $1,915,000 | $0 | 0.00% |
| Stephenville, TX (FHA|USDA|VA) | 8 | $1,570,000 | $196,250 | $0 | 0.00% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 1 | $1,255,000 | $1,255,000 | $0 | 0.00% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 2 | $1,170,000 | $585,000 | $0 | 0.00% |
| ODESSA, TX (FHA|USDA|VA) | 1 | $965,000 | $965,000 | $0 | 0.00% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 1 | $885,000 | $885,000 | $0 | 0.00% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 1 | $755,000 | $755,000 | $0 | 0.00% |
| Corsicana, TX (FHA|USDA|VA) | 3 | $675,000 | $225,000 | $0 | 0.00% |
| Gardnerville Ranchos, NV (FHA|USDA|VA) | 1 | $655,000 | $655,000 | $0 | 0.00% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $0 | 0.00% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $0 | 0.00% |
| SAN ANGELO, TX (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $0 | 0.00% |
| Athens, TX (FHA|USDA|VA) | 3 | $215,000 | $71,667 | $0 | 0.00% |
| Granbury, TX (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 0.00% |
| LONGVIEW, TX (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 104 | $41,490,000 | $398,942 | $0 | 0.00% |
For 2023, Citizens National Bank Of Texas's most frequently originated type of loan was Conventional, with 104 originations.
Loan Reason
For 2023, Citizens National Bank Of Texas's most frequently cited loan purpose was Home Purchase, with 70 originations. The 2nd most popular reason was Home Improvement, with 20 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 104 | $41,490,000 | $398,942 | $0 | 0.00% |
For 2023, Citizens National Bank Of Texas's most frequently cited loan duration was Other, with 104 originations.
Loan Sizing
2023 saw Citizens National Bank Of Texas place emphasis on $200k-400k loans with 27 originations, totaling $7,345,000 in origination value.
Applicant Income
Citizens National Bank Of Texas lent most frequently to those with incomes in the $150k-250k range, with 23 originations. The second most popular income band? $250k+, with 17 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 104 | $41,490,000 | $398,942 | $0 | 0.00% |
Citizens National Bank Of Texas lent most frequently to those with DTI ratios of Exempt%, with 104 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications79.31%
Citizens National Bank Of Texas has a below average approval rate.
Pick Rate
Approvals leading to origination68.27%
Citizens National Bank Of Texas has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 104 | $41,490,000 | $398,942 |