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. Their top markets by origination volume include: Shreveport, Dallas, New Orleans, Minden, and San Antonio among others. We have data for 22 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. Citizens National Bank N.a. is typically an average 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.60% | 11/22/24 |
| 30 Year Conventional Refi | 6.68% | 11/22/24 |
| 30 Year Cash-out Refi | 6.75% | 11/22/24 |
| 30 Year FHA Purchase | 6.27% | 11/22/24 |
| 30 Year FHA Refi | 6.27% | 11/22/24 |
| 30 Year VA Purchase | 6.09% | 11/22/24 |
| 30 Year USDA Purchase | 7.23% | 11/22/24 |
| 15 Year Conventional Purchase | 5.90% | 11/22/24 |
| 15 Year Conventional Refi | 7.41% | 11/22/24 |
| 15 Year Cash-out Refi | 7.41% | 11/22/24 |
| 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
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
302Origination Dollar Volume (All Markets)
$99,680,000Top 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) | 196 | $51,770,000 | $264,133 | $4,696 | 5.26% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 2 | $12,360,000 | $6,180,000 | $0 | 4.95% |
| Outside of Metro Areas | 16 | $7,190,000 | $449,375 | $4,655 | 4.93% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 12 | $5,640,000 | $470,000 | $5,769 | 4.98% |
| Minden, LA (FHA|USDA|VA) | 26 | $4,330,000 | $166,538 | $4,416 | 4.91% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 16 | $3,760,000 | $235,000 | $0 | 4.14% |
| BATON ROUGE, LA (FHA|USDA|VA) | 5 | $3,285,000 | $657,000 | $3,606 | 4.85% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 5 | $2,805,000 | $561,000 | $0 | 4.99% |
| ALEXANDRIA, LA (FHA|USDA|VA) | 2 | $1,840,000 | $920,000 | $289 | 4.53% |
| HAMMOND, LA (FHA|USDA|VA) | 3 | $1,635,000 | $545,000 | $0 | 5.39% |
| JACKSON, MS (FHA|USDA|VA) | 2 | $690,000 | $345,000 | $2,989 | 5.68% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 3 | $625,000 | $208,333 | $0 | 4.03% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 1 | $625,000 | $625,000 | $0 | 7.25% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 3 | $605,000 | $201,667 | $0 | 5.42% |
| LAFAYETTE, LA (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $4,694 | 4.88% |
| MORRISTOWN, TN (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $0 | 6.68% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $539 | 5.33% |
| Ruston, LA (FHA|USDA|VA) | 3 | $395,000 | $131,667 | $3,863 | 4.69% |
| SAVANNAH, GA (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $4,032 | 3.13% |
| LAKE CHARLES, LA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 6.00% |
| MONROE, LA (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 3.95% |
| DeRidder, LA (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 4.50% |
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 | 296 | $97,000,000 | $327,703 | $4,305 | 5.14% |
| VA | 6 | $2,680,000 | $446,667 | $9,916 | 3.81% |
For 2022, Citizens National Bank N.a.'s most frequently originated type of loan was Conventional, with 296 originations. Their 2nd most popular type was VA, with 6 originations.
Loan Reason
For 2022, Citizens National Bank N.a.'s most frequently cited loan purpose was Home Purchase, with 171 originations. The 2nd most popular reason was Refi, with 102 originations.
Loan Duration/Length
For 2022, Citizens National Bank N.a.'s most frequently cited loan duration was 5 Year, with 116 originations. The 2nd most popular length was 30 Year, with 87 originations.
Origination Fees/Closing Costs
Citizens National Bank N.a.'s average total fees were $5,191, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 50 originations.
Interest Rates
During 2022, Citizens National Bank N.a.'s average interest rate for loans was 4.83%, while their most frequently originated rate bucket for loans was 5-6%, with 97 originations.
Loan Sizing
2022 saw Citizens National Bank N.a. place emphasis on $200k-400k loans with 85 originations, totaling $23,785,000 in origination value.
Applicant Income
Citizens National Bank N.a. lent most frequently to those with incomes in the $100k-150k range, with 42 originations. The second most popular income band? $150k-250k, with 37 originations.
Applicant Debt to Income Ratio
Citizens National Bank N.a. lent most frequently to those with DTI ratios of 20-30%, with 37 originations. The next most common DTI ratio? 30-36%, with 26 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications92.42%
Citizens National Bank N.a. has an average approval rate.
Pick Rate
Approvals leading to origination79.47%
Citizens National Bank N.a. has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 302 | $99,680,000 | $330,066 |
LTV Distribution
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% |