Citizens National Bank Mortgage Rates, Fees & Info

Sevierville, TN

LEI: 549300YL0TMLCEU0GW61

Tax ID: 62-0883220

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • 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: Sevierville, Morristown, Knoxville, Athens, and Kingsport among others. We have data for 7 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Citizens National Bank 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.

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    Originations

    103

    Origination Dollar Volume (All Markets)

    $56,075,000

    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
    Sevierville, TN (FHA|USDA|VA) 66 $36,150,000 $547,727 $0 0.00%
    MORRISTOWN, TN (FHA|USDA|VA) 23 $11,555,000 $502,391 $0 0.00%
    KNOXVILLE, TN (FHA|USDA|VA) 5 $4,885,000 $977,000 $0 0.00%
    Athens, TN (FHA|USDA|VA) 5 $1,575,000 $315,000 $0 0.00%
    KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 1 $905,000 $905,000 $0 0.00%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 1 $525,000 $525,000 $0 0.00%
    CHATTANOOGA, TN-GA (FHA|USDA|VA) 2 $480,000 $240,000 $0 0.00%
    Citizens National Bank's top markets include Sevierville, Morristown, Knoxville, Athens, and Kingsport among others.

    Their top states include:
  • Tennessee (FHA|USDA|VA)
  • South Carolina (FHA|USDA|VA)

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 103 $56,075,000 $544,417 $0 0.00%

    For 2023, Citizens National Bank's most frequently originated type of loan was Conventional, with 103 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 82 $52,980,000 $646,098 $0 0.00%
    Home Improvement 9 $705,000 $78,333 $0 0.00%
    Refi 7 $1,645,000 $235,000 $0 0.00%
    Other 5 $745,000 $149,000 $0 0.00%

    For 2023, Citizens National Bank's most frequently cited loan purpose was Home Purchase, with 82 originations. The 2nd most popular reason was Home Improvement, with 9 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 103 $56,075,000 $544,417 $0 0.00%

    For 2023, Citizens National Bank's most frequently cited loan duration was Other, with 103 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 31 $8,695,000 $280,484 $0 0.00%
    $400k-600k 22 $10,690,000 $485,909 $0 0.00%
    $100k-200k 17 $2,665,000 $156,765 $0 0.00%
    $600k-1MM 14 $10,500,000 $750,000 $0 0.00%
    $100,000 or less 12 $830,000 $69,167 $0 0.00%
    $1MM+ 7 $22,695,000 $3,242,143 $0 0.00%

    2023 saw Citizens National Bank place emphasis on $200k-400k loans with 31 originations, totaling $8,695,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $250k+ 29 $16,265,000 $560,862 $0 0.00%
    $100k-150k 16 $6,080,000 $380,000 $0 0.00%
    $50k-75k 13 $2,085,000 $160,385 $0 0.00%
    $150k-250k 11 $5,095,000 $463,182 $0 0.00%
    $75k-100k 10 $2,140,000 $214,000 $0 0.00%
    $50k or less 7 $745,000 $106,429 $0 0.00%

    Citizens National Bank lent most frequently to those with incomes in the $250k+ range, with 29 originations. The second most popular income band? $100k-150k, with 16 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 103 $56,075,000 $544,417 $0 0.00%

    Citizens National Bank lent most frequently to those with DTI ratios of Exempt%, with 103 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 73 $28,005,000 $383,630 $0 0.00%
    Not applicable 15 $23,265,000 $1,551,000 $0 0.00%
    Not provided 7 $2,215,000 $316,429 $0 0.00%
    Asian 5 $1,735,000 $347,000 $0 0.00%
    Black 3 $855,000 $285,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    91.60%

    Citizens National Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    83.50%

    Citizens National Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 103 $56,075,000 $544,417

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    103 $56,075,000 $544,417