Citizens Bank And Trust Company Of Grainger County Mortgage Rates, Fees & Info
Rutledge, TNLEI: 549300YVF0872060HC60
Tax ID: 62-0159280
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Mortgage Data
Review & Overview
Citizens Bank And Trust Company Of Grainger County is a smaller bank specializing in Refi and Home Purchase loans. Citizens Bank And Trust Company Of Grainger County has a high proportion of conventional loans. Their top markets by origination volume include: Morristown, Knoxville, Kingsport, and Greeneville among others. We have data for 5 markets. (Some data included below & more in-depth data is available with an active subscription.)Citizens Bank And Trust Company Of Grainger County 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
64Origination Dollar Volume (All Markets)
$6,570,000Top 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 |
|---|---|---|---|---|---|
| MORRISTOWN, TN (FHA|USDA|VA) | 49 | $3,955,000 | $80,714 | $0 | 0.00% |
| KNOXVILLE, TN (FHA|USDA|VA) | 7 | $1,455,000 | $207,857 | $0 | 0.00% |
| KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) | 6 | $1,030,000 | $171,667 | $0 | 0.00% |
| Greeneville, TN (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 0.00% |
| Outside of Metro Areas | 1 | $45,000 | $45,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 64 | $6,570,000 | $102,656 | $0 | 0.00% |
For 2018, Citizens Bank And Trust Company Of Grainger County's most frequently originated type of loan was Conventional, with 64 originations.
Loan Reason
For 2018, Citizens Bank And Trust Company Of Grainger County's most frequently cited loan purpose was Refi, with 33 originations. The 2nd most popular reason was Home Purchase, with 20 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 64 | $6,570,000 | $102,656 | $0 | 0.00% |
For 2018, Citizens Bank And Trust Company Of Grainger County's most frequently cited loan duration was Other, with 64 originations.
Loan Sizing
2018 saw Citizens Bank And Trust Company Of Grainger County place emphasis on $100,000 or less loans with 49 originations, totaling $2,525,000 in origination value.
Applicant Income
Citizens Bank And Trust Company Of Grainger County lent most frequently to those with incomes in the $50k or less range, with 24 originations. The second most popular income band? $50k-75k, with 14 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 64 | $6,570,000 | $102,656 | $0 | 0.00% |
Citizens Bank And Trust Company Of Grainger County lent most frequently to those with DTI ratios of Exempt%, with 64 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| White | 61 | $4,935,000 | $80,902 | $0 | 0.00% |
| Not applicable | 3 | $1,635,000 | $545,000 | $0 | 0.00% |
Approval Rates
Total approvals of all applications85.26%
Citizens Bank And Trust Company Of Grainger County has an average approval rate.
Pick Rate
Approvals leading to origination73.44%
Citizens Bank And Trust Company Of Grainger County has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 64 | $6,570,000 | $102,656 |
Occupancy Type Mix
Complaints
| Bank Name | Product | Issue | 2018 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| CITIZENS FINANCIAL GROUP, INC. | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | 9 | 5.3% |
| CITIZENS FINANCIAL GROUP, INC. | Conventional home mortgage | Closing on a mortgage | 5 | 2.9% |
| CITIZENS FINANCIAL GROUP, INC. | Conventional home mortgage | Improper use of your report | 1 | 0.6% |
| CITIZENS FINANCIAL GROUP, INC. | Conventional home mortgage | Incorrect information on your report | 1 | 0.6% |
| CITIZENS FINANCIAL GROUP, INC. | Conventional home mortgage | Problem with a credit reporting company's investigation into an existing problem | 1 | 0.6% |
| CITIZENS FINANCIAL GROUP, INC. | Conventional home mortgage | Struggling to pay mortgage | 16 | 9.4% |
| CITIZENS FINANCIAL GROUP, INC. | Conventional home mortgage | Trouble during payment process | 36 | 21.1% |
| CITIZENS FINANCIAL GROUP, INC. | FHA mortgage | Applying for a mortgage or refinancing an existing mortgage | 2 | 1.2% |
| CITIZENS FINANCIAL GROUP, INC. | FHA mortgage | Closing on a mortgage | 3 | 1.8% |
| CITIZENS FINANCIAL GROUP, INC. | FHA mortgage | Struggling to pay mortgage | 8 | 4.7% |
| CITIZENS FINANCIAL GROUP, INC. | FHA mortgage | Trouble during payment process | 3 | 1.8% |
| CITIZENS FINANCIAL GROUP, INC. | Home equity loan or line of credit (HELOC) | Applying for a mortgage or refinancing an existing mortgage | 9 | 5.3% |
| CITIZENS FINANCIAL GROUP, INC. | Home equity loan or line of credit (HELOC) | Closing on a mortgage | 3 | 1.8% |
| CITIZENS FINANCIAL GROUP, INC. | Home equity loan or line of credit (HELOC) | Struggling to pay mortgage | 7 | 4.1% |
| CITIZENS FINANCIAL GROUP, INC. | Home equity loan or line of credit (HELOC) | Trouble during payment process | 41 | 24.0% |
| CITIZENS FINANCIAL GROUP, INC. | Other type of mortgage | Applying for a mortgage or refinancing an existing mortgage | 2 | 1.2% |
| CITIZENS FINANCIAL GROUP, INC. | Other type of mortgage | Closing on a mortgage | 3 | 1.8% |
| CITIZENS FINANCIAL GROUP, INC. | Other type of mortgage | Struggling to pay mortgage | 4 | 2.3% |
| CITIZENS FINANCIAL GROUP, INC. | Other type of mortgage | Trouble during payment process | 15 | 8.8% |
| CITIZENS FINANCIAL GROUP, INC. | VA mortgage | Struggling to pay mortgage | 1 | 0.6% |
| CITIZENS FINANCIAL GROUP, INC. | VA mortgage | Trouble during payment process | 1 | 0.6% |