What loan types does The Citizens National Bank of Meridian offer?

The Citizens National Bank of Meridian offers the following mortgage loan types: FHA, Conventional. Each product has its own pricing score and performance metrics.

Where does The Citizens National Bank of Meridian offer mortgages?

The Citizens National Bank of Meridian offers mortgages in 6 states: AL, FL, LA, MS, TN, TX.

How competitive are The Citizens National Bank of Meridian's mortgage rates?

The Citizens National Bank of Meridian has an overall pricing score of 45.1/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is The Citizens National Bank of Meridian?

The Citizens National Bank of Meridian is a Bank headquartered in Meridian, MS.

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The Citizens National Bank of Meridian

Bank•Meridian, MSHQ•Direct•Reviews near you on Google

The Citizens National Bank of Meridian has 181 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

Sound

3/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Sound

3/5

FHA · Conventional

Place

Sound

3/5

Multi-Region · 3 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Explore another lender or local market

Report Card

The Citizens National Bank of Meridian performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Sound

+34.4 bps above market avg

3/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

139 loans · 0.34% above market

Sound

Top 60% of lenders

3/5

FHA

27 loans · 0.53% above market

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Purchase

132 loans · 0.24% above market

Sound

Top 60% of lenders

3/5

Refinance

49 loans · 0.59% above market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Multi-Regional · 4 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	Sound	Sound	Sound	Strong	139	76.8%	+0.335%Above	$916Fees
FHA Loans	Sound	Sound	Strong	Sound	27	14.9%	+0.534%Above	$1,414Fees

Conventional

Overall

Sound

Product

Sound

Pricing

Sound

Pull Through

Strong

Volume139

Mix76.8%

Spread

+0.335%Above

Fees

$916Fees

FHA Loans

Overall

Sound

Product

Sound

Pricing

Strong

Pull Through

Sound

Volume27

Mix14.9%

Spread

+0.534%Above

Fees

$1,414Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	Sound	Sound	132	72.9%	+0.238%Above	$1,148Fees
Refinance	Sound	Sound	Acceptable	Sound	49	27.1%	+0.590%Above	$623Fees

Purchase

Overall

Sound

Product

Sound

Pricing

Sound

Pull Through

Sound

Volume132

Mix72.9%

Spread

+0.238%Above

Fees

$1,148Fees

Refinance

Overall

Sound

Product

Sound

Pricing

Acceptable

Pull Through

Sound

Volume49

Mix27.1%

Spread

+0.590%Above

Fees

$623Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

181

Applications

264

Volume

$41 million

Pricing & Closing

Avg Rate Spread

+0.344%

vs. market APOR

Avg Net Fees

$992

Origination − Credits

Pullthrough Rate

68.6%

Applications → Closed

Typical Borrower

Avg Loan Amount

$229,365

Avg Borrower Income

$160,155

Avg Property Value

$307,099

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

6Full-year 2024 · HMDA

Loans originated

All statesNone

South6

ALFLLAMSTNTX

Top Metro Areas by Place Specialization Score

Hattiesburg, MSMetro

Volume 33Mix 18.23% of portfolio

72/100

Strong

Jackson, MSMetro

Volume 11Mix 6.08% of portfolio

47/100

Sound

Memphis, TNMetro

Volume 10Mix 5.52% of portfolio

44/100

Sound

Top States by Place Specialization Score

MississippiState

Volume 173Mix 95.58% of portfolio

79/100

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.