Citizens National Bank Mortgage Rates, Fees & Info
Sevierville, TNLEI: 549300YL0TMLCEU0GW61
Tax ID: 62-0883220
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 and Refi loans. Citizens National Bank has a high proportion of conventional loans. Their top markets by origination volume include: Sevierville, Morristown, Knoxville, Athens, and Cleveland among others. We have data for 10 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 an above average pick rate when compared to similar lenders.
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Originations
188Origination Dollar Volume (All Markets)
$76,480,000Top 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 |
|---|---|---|---|---|---|
| Sevierville, TN (FHA|USDA|VA) | 113 | $34,685,000 | $306,947 | $0 | 0.00% |
| MORRISTOWN, TN (FHA|USDA|VA) | 44 | $33,800,000 | $768,182 | $0 | 0.00% |
| KNOXVILLE, TN (FHA|USDA|VA) | 13 | $3,415,000 | $262,692 | $0 | 0.00% |
| Athens, TN (FHA|USDA|VA) | 7 | $1,885,000 | $269,286 | $0 | 0.00% |
| Outside of Metro Areas | 4 | $1,540,000 | $385,000 | $0 | 0.00% |
| CLEVELAND, TN (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $0 | 0.00% |
| Newport, TN (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $0 | 0.00% |
| KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 0.00% |
| JOHNSON CITY, TN (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 0.00% |
| Greeneville, TN (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 188 | $76,480,000 | $406,809 | $0 | 0.00% |
For 2022, Citizens National Bank's most frequently originated type of loan was Conventional, with 188 originations.
Loan Reason
For 2022, Citizens National Bank's most frequently cited loan purpose was Home Purchase, with 124 originations. The 2nd most popular reason was Refi, with 41 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 188 | $76,480,000 | $406,809 | $0 | 0.00% |
For 2022, Citizens National Bank's most frequently cited loan duration was Other, with 188 originations.
Loan Sizing
2022 saw Citizens National Bank place emphasis on $200k-400k loans with 77 originations, totaling $21,275,000 in origination value.
Applicant Income
Citizens National Bank lent most frequently to those with incomes in the $100k-150k range, with 31 originations. The second most popular income band? $250k+, with 29 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 188 | $76,480,000 | $406,809 | $0 | 0.00% |
Citizens National Bank lent most frequently to those with DTI ratios of Exempt%, with 188 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications91.93%
Citizens National Bank has an average approval rate.
Pick Rate
Approvals leading to origination90.96%
Citizens National Bank has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 188 | $76,480,000 | $406,809 |
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% |