Citizens National Bank Of Texas Mortgage Rates, Fees & Info
Waxahachie, TXLEI: 549300PV2KIL739QYQ35
Tax ID: 75-0187771
Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
Citizens National Bank Of Texas is a smaller bank specializing in Home Purchase and Cash Out Refi loans. Citizens National Bank Of Texas has a high proportion of conventional loans. Their top markets by origination volume include: Dallas, Stephenville, San Francisco, Houston, and Sacramento among others. We have data for 16 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.
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Originations
103Origination Dollar Volume (All Markets)
$77,245,000Top 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) | 74 | $42,910,000 | $579,865 | $0 | 0.00% |
| Stephenville, TX (FHA|USDA|VA) | 7 | $7,935,000 | $1,133,571 | $0 | 0.00% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 1 | $6,125,000 | $6,125,000 | $0 | 0.00% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 1 | $5,465,000 | $5,465,000 | $0 | 0.00% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 3 | $5,285,000 | $1,761,667 | $0 | 0.00% |
| Bozeman, MT (FHA|USDA|VA) | 1 | $2,705,000 | $2,705,000 | $0 | 0.00% |
| Granbury, TX (FHA|USDA|VA) | 4 | $2,170,000 | $542,500 | $0 | 0.00% |
| Athens, TX (FHA|USDA|VA) | 1 | $1,385,000 | $1,385,000 | $0 | 0.00% |
| Helena, MT (FHA|USDA|VA) | 1 | $1,255,000 | $1,255,000 | $0 | 0.00% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $0 | 0.00% |
| Port Lavaca, TX (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $0 | 0.00% |
| REDDING, CA (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $0 | 0.00% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $0 | 0.00% |
| Corsicana, TX (FHA|USDA|VA) | 3 | $275,000 | $91,667 | $0 | 0.00% |
| Outside of Metro Areas | 2 | $270,000 | $135,000 | $0 | 0.00% |
| LONGVIEW, TX (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 103 | $77,245,000 | $749,951 | $0 | 0.00% |
For 2024, Citizens National Bank Of Texas's most frequently originated type of loan was Conventional, with 103 originations.
Loan Reason
For 2024, Citizens National Bank Of Texas's most frequently cited loan purpose was Home Purchase, with 57 originations. The 2nd most popular reason was Home Improvement, with 21 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 103 | $77,245,000 | $749,951 | $0 | 0.00% |
For 2024, Citizens National Bank Of Texas's most frequently cited loan duration was Other, with 103 originations.
Loan Sizing
2024 saw Citizens National Bank Of Texas place emphasis on $200k-400k loans with 28 originations, totaling $8,190,000 in origination value.
Applicant Income
Citizens National Bank Of Texas lent most frequently to those with incomes in the $150k-250k range, with 20 originations. The second most popular income band? $250k+, with 16 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 103 | $77,245,000 | $749,951 | $0 | 0.00% |
Citizens National Bank Of Texas lent most frequently to those with DTI ratios of Exempt%, with 103 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications83.54%
Citizens National Bank Of Texas has a below average approval rate.
Pick Rate
Approvals leading to origination76.70%
Citizens National Bank Of Texas has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 103 | $77,245,000 | $749,951 |