Citizens State Bank Mortgage Rates, Fees & Info
Gridley, KSLEI: 2549008SG8GC5XJ48M17
Tax ID: 48-0169100
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Mortgage Data
Review & Overview
Citizens State Bank is a smaller bank specializing in Refi and Home Purchase loans. Citizens State Bank has a high proportion of conventional loans. Their top markets by origination volume include: Topeka, Emporia, Lawrence, Tampa, and Branson among others. We have data for 6 markets. (Some data included below & more in-depth data is available with an active subscription.)Citizens State 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
67Origination Dollar Volume (All Markets)
$4,635,000Top 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 |
|---|---|---|---|---|---|
| Outside of Metro Areas | 39 | $2,025,000 | $51,923 | $0 | 0.00% |
| TOPEKA, KS (FHA|USDA|VA) | 11 | $1,105,000 | $100,455 | $0 | 0.00% |
| Emporia, KS (FHA|USDA|VA) | 13 | $965,000 | $74,231 | $0 | 0.00% |
| LAWRENCE, KS (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $0 | 0.00% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 0.00% |
| Branson, MO (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 67 | $4,635,000 | $69,179 | $0 | 0.00% |
For 2018, Citizens State Bank's most frequently originated type of loan was Conventional, with 67 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Refi | 35 | $2,395,000 | $68,429 | $0 | 0.00% |
| Home Purchase | 28 | $2,040,000 | $72,857 | $0 | 0.00% |
| Home Improvement | 4 | $200,000 | $50,000 | $0 | 0.00% |
For 2018, Citizens State Bank's most frequently cited loan purpose was Refi, with 35 originations. The 2nd most popular reason was Home Purchase, with 28 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 67 | $4,635,000 | $69,179 | $0 | 0.00% |
For 2018, Citizens State Bank's most frequently cited loan duration was Other, with 67 originations.
Loan Sizing
2018 saw Citizens State Bank place emphasis on $100,000 or less loans with 54 originations, totaling $2,350,000 in origination value.
Applicant Income
Citizens State Bank lent most frequently to those with incomes in the $50k or less range, with 13 originations. The second most popular income band? $100k-150k, with 11 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 67 | $4,635,000 | $69,179 | $0 | 0.00% |
Citizens State Bank lent most frequently to those with DTI ratios of Exempt%, with 67 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| White | 59 | $4,435,000 | $75,169 | $0 | 0.00% |
| Not applicable | 7 | $175,000 | $25,000 | $0 | 0.00% |
| Asian | 1 | $25,000 | $25,000 | $0 | 0.00% |
Approval Rates
Total approvals of all applications94.59%
Citizens State Bank has an average approval rate.
Pick Rate
Approvals leading to origination95.52%
Citizens State Bank has an exceptionally high pick rate. They most likely have borrower friendly terms or other characteristics like being fast to close or are easy to work with.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 67 | $4,635,000 | $69,179 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Manufactured | 3 | $85,000 | $28,333 |
| Single Family (1-4 Units):Site-Built | 64 | $4,550,000 | $71,094 |
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% |