Citizens National Bank N.a. Mortgage Rates, Fees & Info

Bossier City, LA

LEI: 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, Ruston, Breckenridge, Baton Rouge, and Crestview among others. We have data for 17 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 a below average pick rate when compared to similar lenders.

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 6.60% 7/11/24
30 Year Conventional Refi 6.68% 7/11/24
30 Year Cash-out Refi 6.75% 7/11/24
30 Year FHA Purchase 6.27% 7/11/24
30 Year FHA Refi 6.27% 7/11/24
30 Year VA Purchase 6.09% 7/11/24
30 Year USDA Purchase 7.23% 7/11/24
15 Year Conventional Purchase 5.90% 7/11/24
15 Year Conventional Refi 7.41% 7/11/24
15 Year Cash-out Refi 7.41% 7/11/24
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 N.a. 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 N.a.. 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

207

Origination Dollar Volume (All Markets)

$62,465,000

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
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 136 $35,000,000 $257,353 $0 0.00%
Outside of Metro Areas 11 $10,075,000 $915,909 $0 0.00%
Ruston, LA (FHA|USDA|VA) 23 $4,025,000 $175,000 $0 0.00%
Breckenridge, CO (FHA|USDA|VA) 1 $3,955,000 $3,955,000 $0 0.00%
BATON ROUGE, LA (FHA|USDA|VA) 8 $2,360,000 $295,000 $0 0.00%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 2 $1,860,000 $930,000 $0 0.00%
Minden, LA (FHA|USDA|VA) 15 $1,855,000 $123,667 $0 0.00%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 1 $655,000 $655,000 $0 0.00%
HOT SPRINGS, AR (FHA|USDA|VA) 1 $645,000 $645,000 $0 0.00%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 1 $625,000 $625,000 $0 0.00%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 1 $405,000 $405,000 $0 0.00%
Athens, TX (FHA|USDA|VA) 1 $395,000 $395,000 $0 0.00%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 1 $205,000 $205,000 $0 0.00%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 2 $180,000 $90,000 $0 0.00%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 1 $175,000 $175,000 $0 0.00%
HAMMOND, LA (FHA|USDA|VA) 1 $35,000 $35,000 $0 0.00%
ALEXANDRIA, LA (FHA|USDA|VA) 1 $15,000 $15,000 $0 0.00%
Citizens National Bank N.a.'s top markets include Shreveport, Ruston, Breckenridge, Baton Rouge, and Crestview among others.

Their top states include:
  • Louisiana (FHA|USDA|VA)
  • Colorado (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Oklahoma (FHA|USDA|VA)
  • 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.

    PIERREMONT MORTGAGE, INC.
    Similarity Rank: 132
    Home Federal Bank
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    DSLD MORTGAGE, LLC
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    BARKSDALE
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    CARTER FEDERAL CREDIT UNION
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    ANECA Federal Credit Union
    Similarity Rank: 561
    Red River Bank
    Similarity Rank: 702
    STANDARD MORTGAGE CORPORATION
    Similarity Rank: 891
    MORTGAGE FINANCIAL SERVICES, LLC
    Similarity Rank: 1539
    FirstTrust Home Loans, Inc.
    Similarity Rank: 2184

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 198 $60,080,000 $303,434 $0 0.00%
    USDA 6 $1,130,000 $188,333 $0 0.00%
    VA 3 $1,255,000 $418,333 $0 0.00%

    For 2023, Citizens National Bank N.a.'s most frequently originated type of loan was Conventional, with 198 originations. Their 2nd most popular type was USDA, with 6 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 126 $43,610,000 $346,111 $0 0.00%
    Refi 73 $17,435,000 $238,836 $0 0.00%
    Other 5 $1,125,000 $225,000 $0 0.00%
    Home Improvement 2 $90,000 $45,000 $0 0.00%
    Cash Out Refi 1 $205,000 $205,000 $0 0.00%

    For 2023, Citizens National Bank N.a.'s most frequently cited loan purpose was Home Purchase, with 126 originations. The 2nd most popular reason was Refi, with 73 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 207 $62,465,000 $301,763 $0 0.00%

    For 2023, Citizens National Bank N.a.'s most frequently cited loan duration was Other, with 207 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 72 $11,270,000 $156,528 $0 0.00%
    $100,000 or less 55 $3,105,000 $56,455 $0 0.00%
    $200k-400k 46 $13,240,000 $287,826 $0 0.00%
    $600k-1MM 14 $11,130,000 $795,000 $0 0.00%
    $400k-600k 13 $6,235,000 $479,615 $0 0.00%
    $1MM+ 7 $17,485,000 $2,497,857 $0 0.00%

    2023 saw Citizens National Bank N.a. place emphasis on $100k-200k loans with 72 originations, totaling $11,270,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $150k-250k 24 $10,140,000 $422,500 $0 0.00%
    $250k+ 23 $10,365,000 $450,652 $0 0.00%
    $100k-150k 21 $4,565,000 $217,381 $0 0.00%
    $75k-100k 14 $2,390,000 $170,714 $0 0.00%
    $50k or less 13 $1,405,000 $108,077 $0 0.00%
    $50k-75k 10 $1,440,000 $144,000 $0 0.00%

    Citizens National Bank N.a. lent most frequently to those with incomes in the $150k-250k range, with 24 originations. The second most popular income band? $250k+, with 23 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 207 $62,465,000 $301,763 $0 0.00%

    Citizens National Bank N.a. lent most frequently to those with DTI ratios of Exempt%, with 207 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    Not applicable 95 $29,715,000 $312,789 $0 0.00%
    White 69 $16,635,000 $241,087 $0 0.00%
    Not provided 39 $15,185,000 $389,359 $0 0.00%
    Black 2 $720,000 $360,000 $0 0.00%
    Filipino 1 $115,000 $115,000 $0 0.00%
    American Indian 1 $95,000 $95,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    93.73%

    Citizens National Bank N.a. has an average approval rate.

    Pick Rate

    Approvals leading to origination
    77.29%

    Citizens National Bank N.a. has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 207 $62,465,000 $301,763

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    207 $62,465,000 $301,763