Citizens National Bank Of Greater St. Louis Mortgage Rates, Fees & InfoMaplewood, MO
Tax ID: 43-0216490
Latest/2022 | 2021 Data | 2020 Data | 2019 Data | 2018 Data
Review & OverviewCitizens National Bank Of Greater St. Louis is a smaller bank specializing in Home Purchase and Refi loans. Citizens National Bank Of Greater St. Louis has a high proportion of conventional loans. Their top markets by origination volume include: St. Louis, Hilton Head Island, Orlando, Tuscaloosa, and Naples among others. We have data for 12 markets. (Some data included below & more in-depth data is available with an active subscription.)
Citizens National Bank Of Greater St. Louis has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Citizens National Bank Of Greater St. Louis is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
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.
|Simulated Rate||Simulation Date|
|30 Year Conventional Purchase||6.64%||12/4/23|
|30 Year Conventional Refi||6.32%||12/4/23|
|30 Year Cash-out Refi||6.15%||12/4/23|
|30 Year FHA Purchase||6.27%||12/4/23|
|30 Year VA Purchase||6.03%||12/4/23|
|15 Year Conventional Purchase||5.77%||12/4/23|
|15 Year Conventional Refi||5.76%||12/4/23|
|15 Year Cash-out Refi||5.76%||12/4/23|
|These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.|
Citizens National Bank Of Greater St. Louis Mortgage Calculator
Your EstimatesEstimated Loan Payment: Update the calculator values and click calculate payment!
This is not an official calculator from Citizens National Bank Of Greater St. Louis. It uses our SimulatedRate™
technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.
The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Origination Dollar Volume (All Markets)$83,755,000
Citizens National Bank of Greater St. Louis - 2022
Citizens National Bank of Greater St. Louis is a 2022 , due to their low .
For 2022, less than of lenders were eligible for this award.
Work for Citizens National Bank of Greater St. Louis?
Use this award on your own site. Either save and use the images below, or pass the provided image embed code to your development team.
Citizens National Bank Of Greater St. Louis's average 30 year fixed mortgage rate was
The 2022 average 30 year fixed rate mortgage across all markets and lenders was 4.76%.
This yields a difference of -0.18%.
Relative Fees (Closing Costs)
Citizens National Bank Of Greater St. Louis's average total fees/closing costs for a 30 year fixed rate
mortgage were $4,423.
The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $4,750.
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|
|ST. LOUIS, MO-IL (FHA|USDA|VA)||174||$73,860,000||$424,483||$4,107||4.68%|
|Outside of Metro Areas||5||$3,785,000||$757,000||$8,279||4.28%|
|HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA)||1||$1,455,000||$1,455,000||$9,555||3.25%|
|ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA)||2||$1,170,000||$585,000||$5,692||3.44%|
|TUSCALOOSA, AL (FHA|USDA|VA)||2||$800,000||$400,000||$3,870||5.19%|
|NAPLES-MARCO ISLAND, FL (FHA|USDA|VA)||1||$655,000||$655,000||$0||5.75%|
|Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA)||1||$645,000||$645,000||$4,084||4.25%|
|LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA)||1||$365,000||$365,000||$4,153||5.63%|
|COLUMBIA, MO (FHA|USDA|VA)||1||$345,000||$345,000||$8,837||4.75%|
|CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA)||1||$265,000||$265,000||$3,699||3.13%|
|KANSAS CITY, MO-KS (FHA|USDA|VA)||1||$225,000||$225,000||$2,549||2.88%|
|Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA)||1||$185,000||$185,000||$0||3.25%|
We use machine learning to identify the top lenders compared against Citizens National Bank of Greater St. Louis based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
Similarity Rank: 209
Similarity Rank: 328
Similarity Rank: 518
Similarity Rank: 580
Similarity Rank: 720
Similarity Rank: 804
Similarity Rank: 884
Similarity Rank: 980
Similarity Rank: 1164
Similarity Rank: 1197
|Loan Type||Originations||Total Value||Avg. Loan||Avg. Fees||Avg. Rate|
For 2022, Citizens National Bank Of Greater St. Louis's most frequently originated type of loan was Conventional, with 190 originations. Their 2nd most popular type was VA, with 1 originations.
For 2022, Citizens National Bank Of Greater St. Louis's most frequently cited loan purpose was Home Purchase, with 136 originations. The 2nd most popular reason was Refi, with 42 originations.
For 2022, Citizens National Bank Of Greater St. Louis's most frequently cited loan duration was 30 Year, with 128 originations. The 2nd most popular length was 5 Year, with 29 originations.
Origination Fees/Closing Costs
|Origination Fee/Closing Cost||Originations||Total Value||Average Loan|
Citizens National Bank Of Greater St. Louis's average total fees were $4,423, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 88 originations.
|Loan Rate||Originations||Total Value||Average Loan|
During 2022, Citizens National Bank Of Greater St. Louis's average interest rate for loans was 4.58%, while their most frequently originated rate bucket for loans was 3-4%, with 68 originations.
2022 saw Citizens National Bank Of Greater St. Louis place emphasis on $200k-400k loans with 66 originations, totaling $18,430,000 in origination value.
Citizens National Bank Of Greater St. Louis lent most frequently to those with incomes in the $250k+ range, with 44 originations. The second most popular income band? $150k-250k, with 33 originations.
Applicant Debt to Income Ratio
Citizens National Bank Of Greater St. Louis lent most frequently to those with DTI ratios of 20-30%, with 37 originations. The next most common DTI ratio? 30-36%, with 25 originations.
Approval RatesTotal approvals of all applications
Citizens National Bank Of Greater St. Louis has an average approval rate.
Pick RateApprovals leading to origination
Citizens National Bank Of Greater St. Louis has an 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%|