Citizens National Bank Mortgage Rates, Fees & Info
Rockdale, TXLEI: 549300U1RXPGUIKOLB91
Tax ID: 74-0557720
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Mortgage Data
Review & Overview
Citizens National Bank is a smaller bank specializing in Home Purchase and Other loans. Citizens National Bank has a high proportion of conventional loans. Their top markets by origination volume include: Austin, Killeen, and Waco among others. We have data for 4 markets. (Some data included below & more in-depth data is available with an active subscription.)Citizens National Bank has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders.
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Originations
25Origination Dollar Volume (All Markets)
$7,375,000Top 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 |
|---|---|---|---|---|---|
| Outside of Metro Areas | 13 | $3,935,000 | $302,692 | $0 | 0.00% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 4 | $1,680,000 | $420,000 | $0 | 0.00% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 7 | $1,045,000 | $149,286 | $0 | 0.00% |
| WACO, TX (FHA|USDA|VA) | 1 | $715,000 | $715,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 25 | $7,375,000 | $295,000 | $0 | 0.00% |
For 2023, Citizens National Bank's most frequently originated type of loan was Conventional, with 25 originations.
Loan Reason
For 2023, Citizens National Bank's most frequently cited loan purpose was Home Purchase, with 12 originations. The 2nd most popular reason was Other, with 6 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 25 | $7,375,000 | $295,000 | $0 | 0.00% |
For 2023, Citizens National Bank's most frequently cited loan duration was Other, with 25 originations.
Loan Sizing
2023 saw Citizens National Bank place emphasis on $100k-200k loans with 6 originations, totaling $870,000 in origination value.
Applicant Income
Citizens National Bank lent most frequently to those with incomes in the $250k+ range, with 6 originations. The second most popular income band? $150k-250k, with 5 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 25 | $7,375,000 | $295,000 | $0 | 0.00% |
Citizens National Bank lent most frequently to those with DTI ratios of Exempt%, with 25 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications78.57%
Citizens National Bank has a below average approval rate.
Pick Rate
Approvals leading to origination72.00%
Citizens National Bank has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 25 | $7,375,000 | $295,000 |