Citizens National Bank Of Greater St. Louis Mortgage Rates, Fees & Info

Maplewood, MO

LEI: 549300RM0VO0UBTMOZ05

Tax ID: 43-0216490

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Review & Overview

    Citizens 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.

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    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    30 Year Conventional Purchase 6.64% 4/28/24
    30 Year Conventional Refi 6.32% 4/28/24
    30 Year Cash-out Refi 6.15% 4/28/24
    30 Year FHA Purchase 6.27% 4/28/24
    30 Year VA Purchase 6.03% 4/28/24
    15 Year Conventional Purchase 5.77% 4/28/24
    15 Year Conventional Refi 5.76% 4/28/24
    15 Year Cash-out Refi 5.76% 4/28/24
    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 Estimates

    Estimated 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.


    Originations

    191

    Origination Dollar Volume (All Markets)

    $83,755,000

    Awards

    Citizens National Bank of Greater St. Louis 30 Year Conventional Loans bronze
    Show all (1) awards

    Top 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
    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%
    Citizens National Bank Of Greater St. Louis's top markets include St. Louis, Hilton Head Island, Orlando, Tuscaloosa, and Naples among others.

    Their top states include:
  • Missouri (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • South Carolina (FHA|USDA|VA)
  • Alabama (FHA|USDA|VA)
  • Illinois (FHA|USDA|VA)

    • Similar Lenders

    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.

    D.W. BROWN MORTGAGE CORP.
    Similarity Rank: 59
    Ozarks Federal Savings and Loan Association
    Similarity Rank: 126
    First National Bank of Waterloo
    Similarity Rank: 216
    Gateway Metro Federal Credit Union
    Similarity Rank: 240
    MORTGAGE SOLUTIONS LLC
    Similarity Rank: 368
    United Bank of Union
    Similarity Rank: 450
    JERSEY STATE BANK
    Similarity Rank: 452
    Bank of Washington
    Similarity Rank: 728
    ALLTRU Federal Credit Union
    Similarity Rank: 764
    ELECTRO SAVINGS CREDIT UNION
    Similarity Rank: 888

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 190 $83,410,000 $439,000 $4,335 4.63%
    VA 1 $345,000 $345,000 $5,619 5.25%

    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.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 136 $51,050,000 $375,368 $4,878 4.87%
    Refi 42 $21,350,000 $508,333 $3,351 4.05%
    Cash Out Refi 10 $2,550,000 $255,000 $2,223 3.68%
    Home Improvement 2 $8,770,000 $4,385,000 $2,495 5.24%
    Other 1 $35,000 $35,000 $355 5.75%

    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.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 128 $50,790,000 $396,797 $4,423 4.58%
    5 Year 29 $12,075,000 $416,379 $0 5.05%
    15 Year 15 $4,905,000 $327,000 $3,416 3.65%
    3 Year 6 $2,010,000 $335,000 $0 4.75%
    Other 5 $915,000 $183,000 $1,746 4.74%
    1 Year 4 $920,000 $230,000 $2,465 6.25%
    10 Year 3 $10,685,000 $3,561,667 $0 5.47%
    20 Year 1 $1,455,000 $1,455,000 $9,555 3.25%

    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
    $<1k 88 $36,390,000 $413,523
    $5k+ 20 $11,760,000 $588,000
    $1k-2k 11 $2,735,000 $248,636
    $2k-3k 8 $1,730,000 $216,250
    $3k-4k 4 $1,100,000 $275,000
    $4k-5k 3 $865,000 $288,333

    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.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 68 $28,060,000 $412,647
    4-5% 51 $29,445,000 $577,353
    5-6% 49 $15,615,000 $318,673
    6-7% 14 $6,620,000 $472,857
    2.5-3% 5 $2,735,000 $547,000
    7-8% 3 $855,000 $285,000
    <2.5% 1 $425,000 $425,000

    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.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 66 $18,430,000 $279,242 $3,612 4.61%
    $100k-200k 53 $8,005,000 $151,038 $2,947 4.90%
    $400k-600k 35 $17,385,000 $496,714 $5,296 4.39%
    $600k-1MM 19 $13,845,000 $728,684 $8,290 4.42%
    $1MM+ 12 $25,610,000 $2,134,167 $5,164 4.34%
    $100,000 or less 6 $480,000 $80,000 $1,632 5.25%

    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.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $250k+ 44 $26,760,000 $608,182 $4,878 4.37%
    $150k-250k 33 $13,145,000 $398,333 $5,002 4.31%
    $100k-150k 27 $9,265,000 $343,148 $4,828 4.47%
    $50k-75k 20 $4,220,000 $211,000 $3,468 4.81%
    $75k-100k 18 $4,140,000 $230,000 $3,199 5.05%
    $50k or less 9 $1,215,000 $135,000 $3,156 4.75%

    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

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 37 $15,855,000 $428,514 $3,987 4.38%
    30-36% 25 $9,255,000 $370,200 $4,318 4.31%
    <20% 17 $5,485,000 $322,647 $4,274 3.65%
    40% 12 $4,720,000 $393,333 $4,723 4.76%
    37% 11 $2,485,000 $225,909 $3,529 4.75%
    38% 10 $5,990,000 $599,000 $4,826 5.10%
    39% 8 $3,860,000 $482,500 $5,552 4.27%
    36% 7 $3,025,000 $432,143 $4,101 4.99%
    42% 6 $2,480,000 $413,333 $4,352 5.24%
    46% 3 $835,000 $278,333 $2,570 4.63%
    41% 2 $270,000 $135,000 $4,753 6.44%
    43% 2 $960,000 $480,000 $6,068 4.31%
    44% 2 $600,000 $300,000 $2,987 3.69%
    45% 2 $1,170,000 $585,000 $7,734 4.54%
    50-60% 1 $345,000 $345,000 $5,619 5.25%

    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.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 130 $50,570,000 $389,000 $4,367 4.53%
    Not applicable 38 $24,570,000 $646,579 $0 5.06%
    Asian 12 $5,550,000 $462,500 $4,831 4.23%
    Native Hawaiian or Islander 1 $1,195,000 $1,195,000 $3,068 3.25%
    Black 7 $945,000 $135,000 $2,518 4.59%
    Asian Indian 1 $525,000 $525,000 $9,123 5.45%
    Not provided 2 $400,000 $200,000 $4,790 6.38%

    Approval Rates

    Total approvals of all applications
    94.09%

    Citizens National Bank Of Greater St. Louis has an average approval rate.

    Pick Rate

    Approvals leading to origination
    87.43%

    Citizens National Bank Of Greater St. Louis has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 191 $83,755,000 $438,508

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    191 $83,755,000 $438,508

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 11 $3,075,000 $279,545 $3,105 4.54%
    40-60% 26 $12,660,000 $486,923 $3,879 4.17%
    60-80% 75 $39,935,000 $532,467 $4,823 4.52%
    80-100% 78 $28,050,000 $359,615 $4,334 4.90%
    Under 20% 1 $35,000 $35,000 $355 5.75%

    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%