What loan types does Citizens State Bank of New Castle, Indiana offer?

Citizens State Bank of New Castle, Indiana offers the following mortgage loan types: Conventional. Each product has its own pricing score and performance metrics.

Where does Citizens State Bank of New Castle, Indiana offer mortgages?

Citizens State Bank of New Castle, Indiana offers mortgages in 4 states: FL, IN, OH, TN.

How competitive are Citizens State Bank of New Castle, Indiana's mortgage rates?

Citizens State Bank of New Castle, Indiana has an overall pricing score of 19.2/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Citizens State Bank of New Castle, Indiana?

Citizens State Bank of New Castle, Indiana is a Bank headquartered in New Castle, IN.

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Citizens State Bank of New Castle, Indiana

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Citizens State Bank of New Castle, Indiana has 51 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Mediocre

1/5

vs. all lenders

Pull-through

Acceptable

2/5

closing strength

Product

Acceptable

2/5

Conventional

Place

Active

Regional

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

Things to Think About

Rates typically 51 basis points above market average
Pull through efficiency is below industry average

Explore another lender or local market

Report Card

Citizens State Bank of New Castle, Indiana performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Mediocre

+51.0 bps above market avg

1/5

Pull Through

Closing strength

Acceptable

Bottom 40% of lenders

2/5

By Loan Product· Specialization by type

Conventional

51 loans · 0.51% above market

Acceptable

Bottom 40% of lenders

2/5

By Loan Purpose· Transaction purpose mix

Purchase

30 loans · 0.36% above market

Acceptable

Bottom 40% of lenders

2/5

Refinance

21 loans · 0.71% above market

Acceptable

Bottom 40% of lenders

2/5

By Location· Geographic coverage

Geographic Reach

Regional · 1 markets

Sound

Top 60% of lenders

3/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Acceptable	Acceptable	Mediocre	Acceptable	51	100.0%	+0.510%Above	$610Fees

Conventional

Overall

Acceptable

Product

Acceptable

Pricing

Mediocre

Pull Through

Acceptable

Volume51

Mix100.0%

Spread

+0.510%Above

Fees

$610Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Acceptable	Acceptable	Acceptable	Mediocre	30	58.8%	+0.361%Above	$575Fees
Refinance	Acceptable	Acceptable	—	Sound	21	41.2%	+0.714%Above	$660Fees

Purchase

Overall

Acceptable

Product

Acceptable

Pricing

Acceptable

Pull Through

Mediocre

Volume30

Mix58.8%

Spread

+0.361%Above

Fees

$575Fees

Refinance

Overall

Acceptable

Product

Acceptable

Pricing—

Pull Through

Sound

Volume21

Mix41.2%

Spread

+0.714%Above

Fees

$660Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

Applications

Volume

$8 million

Pricing & Closing

Avg Rate Spread

+0.510%

vs. market APOR

Avg Net Fees

$610

Origination − Credits

Pullthrough Rate

58.0%

Applications → Closed

Typical Borrower

Avg Loan Amount

$167,549

Avg Borrower Income

$150,255

Avg Property Value

$297,157

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

N/A

States with Loan Originations

4Full-year 2024 · HMDA

Loans originated

All statesNone

Midwest2

INOH

South2

FLTN

Top States by Place Specialization Score

IndianaState

Volume 46Mix 90.20% of portfolio

62/100

Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.