Citizens National Bank N.a. Mortgage Rates, Fees & Info
Bossier City, LALEI: 549300T1KLQQ7B84EZ41
Tax ID: 72-1028573
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Mortgage Data
Review & Overview
Citizens National Bank N.a. is a smaller bank specializing in Home Purchase and Refi loans. Citizens National Bank N.a. has a high proportion of conventional loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Shreveport, New Orleans, Minden, Natchitoches, and Baton Rouge among others. We have data for 23 markets. (Some data included below & more in-depth data is available with an active subscription.)Citizens National Bank N.a. has an above average approval rate when compared to the average across all lenders. They have an above average pick rate when compared to similar lenders.
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Originations
189Origination Dollar Volume (All Markets)
$51,065,000Top 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 |
|---|---|---|---|---|---|
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 109 | $26,455,000 | $242,706 | $0 | 0.00% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 22 | $5,880,000 | $267,273 | $0 | 0.00% |
| Minden, LA (FHA|USDA|VA) | 14 | $5,670,000 | $405,000 | $0 | 0.00% |
| Outside of Metro Areas | 12 | $3,750,000 | $312,500 | $0 | 0.00% |
| Natchitoches, LA (FHA|USDA|VA) | 4 | $1,260,000 | $315,000 | $0 | 0.00% |
| BATON ROUGE, LA (FHA|USDA|VA) | 5 | $1,145,000 | $229,000 | $0 | 0.00% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 4 | $1,120,000 | $280,000 | $0 | 0.00% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 1 | $995,000 | $995,000 | $0 | 0.00% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 2 | $940,000 | $470,000 | $0 | 0.00% |
| Breckenridge, CO (FHA|USDA|VA) | 1 | $755,000 | $755,000 | $0 | 0.00% |
| VICTORIA, TX (FHA|USDA|VA) | 3 | $645,000 | $215,000 | $0 | 0.00% |
| HOT SPRINGS, AR (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $0 | 0.00% |
| LONGVIEW, TX (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $0 | 0.00% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $0 | 0.00% |
| El Dorado, AR (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 0.00% |
| Ruston, LA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $0 | 0.00% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 0.00% |
| Magnolia, AR (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 0.00% |
| Picayune, MS (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 0.00% |
| TYLER, TX (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 0.00% |
| HAMMOND, LA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 0.00% |
| Opelousas, LA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 0.00% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 0.00% |
Similar Lenders
We use machine learning to identify the top lenders compared against Citizens National Bank N.A. based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 183 | $48,975,000 | $267,623 | $0 | 0.00% |
| VA | 4 | $1,700,000 | $425,000 | $0 | 0.00% |
| USDA | 2 | $390,000 | $195,000 | $0 | 0.00% |
For 2024, Citizens National Bank N.a.'s most frequently originated type of loan was Conventional, with 183 originations. Their 2nd most popular type was VA, with 4 originations.
Loan Reason
For 2024, Citizens National Bank N.a.'s most frequently cited loan purpose was Home Purchase, with 105 originations. The 2nd most popular reason was Refi, with 70 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 189 | $51,065,000 | $270,185 | $0 | 0.00% |
For 2024, Citizens National Bank N.a.'s most frequently cited loan duration was Other, with 189 originations.
Loan Sizing
2024 saw Citizens National Bank N.a. place emphasis on $200k-400k loans with 63 originations, totaling $17,615,000 in origination value.
Applicant Income
Citizens National Bank N.a. lent most frequently to those with incomes in the $250k+ range, with 30 originations. The second most popular income band? $150k-250k, with 24 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 189 | $51,065,000 | $270,185 | $0 | 0.00% |
Citizens National Bank N.a. lent most frequently to those with DTI ratios of Exempt%, with 189 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications94.52%
Citizens National Bank N.a. has an average approval rate.
Pick Rate
Approvals leading to origination90.48%
Citizens National Bank N.a. has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 189 | $51,065,000 | $270,185 |