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
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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, Sacramento, Mineral Wells, Stephenville, and Granbury among others. We have data for 21 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
178Origination Dollar Volume (All Markets)
$86,670,000Top 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) | 116 | $32,400,000 | $279,310 | $0 | 0.00% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 9 | $24,625,000 | $2,736,111 | $0 | 0.00% |
| Outside of Metro Areas | 11 | $5,085,000 | $462,273 | $0 | 0.00% |
| Mineral Wells, TX (FHA|USDA|VA) | 1 | $5,045,000 | $5,045,000 | $0 | 0.00% |
| Stephenville, TX (FHA|USDA|VA) | 14 | $4,110,000 | $293,571 | $0 | 0.00% |
| Granbury, TX (FHA|USDA|VA) | 4 | $3,860,000 | $965,000 | $0 | 0.00% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 3 | $2,875,000 | $958,333 | $0 | 0.00% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 5 | $2,195,000 | $439,000 | $0 | 0.00% |
| RENO, NV (FHA|USDA|VA) | 1 | $1,625,000 | $1,625,000 | $0 | 0.00% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 1 | $755,000 | $755,000 | $0 | 0.00% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 1 | $705,000 | $705,000 | $0 | 0.00% |
| URBAN HONOLULU, HI (FHA|USDA|VA) | 1 | $525,000 | $525,000 | $0 | 0.00% |
| LONGVIEW, TX (FHA|USDA|VA) | 3 | $505,000 | $168,333 | $0 | 0.00% |
| Corsicana, TX (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $0 | 0.00% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $0 | 0.00% |
| Heber, UT (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $0 | 0.00% |
| Seneca, SC (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $0 | 0.00% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $0 | 0.00% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $0 | 0.00% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 0.00% |
| Hobbs, NM (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 | 178 | $86,670,000 | $486,910 | $0 | 0.00% |
For 2022, Citizens National Bank Of Texas's most frequently originated type of loan was Conventional, with 178 originations.
Loan Reason
For 2022, Citizens National Bank Of Texas's most frequently cited loan purpose was Home Purchase, with 106 originations. The 2nd most popular reason was Cash Out Refi, with 39 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 178 | $86,670,000 | $486,910 | $0 | 0.00% |
For 2022, Citizens National Bank Of Texas's most frequently cited loan duration was Other, with 178 originations.
Loan Sizing
2022 saw Citizens National Bank Of Texas place emphasis on $200k-400k loans with 60 originations, totaling $16,780,000 in origination value.
Applicant Income
Citizens National Bank Of Texas lent most frequently to those with incomes in the $150k-250k range, with 30 originations. The second most popular income band? $100k-150k, with 26 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 178 | $86,670,000 | $486,910 | $0 | 0.00% |
Citizens National Bank Of Texas lent most frequently to those with DTI ratios of Exempt%, with 178 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications84.93%
Citizens National Bank Of Texas has a below average approval rate.
Pick Rate
Approvals leading to origination70.79%
Citizens National Bank Of Texas has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 178 | $86,670,000 | $486,910 |
Complaints
| 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% |