Citizens National Bank Mortgage Rates, Fees & Info
Rockdale, TXLEI: 549300U1RXPGUIKOLB91
Tax ID: 74-0557720
Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
Citizens National Bank is a smaller bank specializing in Home Purchase loans. Citizens National Bank has a high proportion of conventional loans. Their top markets by origination volume include: Austin, San Antonio, Killeen, Waco, and Houston among others. We have data for 6 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.
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Originations
48Origination Dollar Volume (All Markets)
$26,670,000Top 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 |
|---|---|---|---|---|---|
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 21 | $15,415,000 | $734,048 | $0 | 0.00% |
| Outside of Metro Areas | 15 | $7,015,000 | $467,667 | $0 | 0.00% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 1 | $2,005,000 | $2,005,000 | $0 | 0.00% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 9 | $1,905,000 | $211,667 | $0 | 0.00% |
| WACO, TX (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 0.00% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 48 | $26,670,000 | $555,625 | $0 | 0.00% |
For 2022, Citizens National Bank's most frequently originated type of loan was Conventional, with 48 originations.
Loan Reason
For 2022, Citizens National Bank's most frequently cited loan purpose was Home Purchase, with 32 originations. The 2nd most popular reason was Refi, with 9 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 48 | $26,670,000 | $555,625 | $0 | 0.00% |
For 2022, Citizens National Bank's most frequently cited loan duration was Other, with 48 originations.
Loan Sizing
2022 saw Citizens National Bank place emphasis on $200k-400k loans with 15 originations, totaling $4,305,000 in origination value.
Applicant Income
Citizens National Bank lent most frequently to those with incomes in the $250k+ range, with 22 originations. The second most popular income band? $150k-250k, with 10 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 48 | $26,670,000 | $555,625 | $0 | 0.00% |
Citizens National Bank lent most frequently to those with DTI ratios of Exempt%, with 48 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications82.76%
Citizens National Bank has a below average approval rate.
Pick Rate
Approvals leading to originationPoints and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 48 | $26,670,000 | $555,625 |
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% |