Citizens State Bank Mortgage Rates, Fees & Info

Gridley, KS

LEI: 2549008SG8GC5XJ48M17

Tax ID: 48-0169100

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Review & Overview

    Citizens State Bank is a smaller bank specializing in Refi loans. Citizens State Bank has a high proportion of conventional loans. Their top markets by origination volume include: Emporia, Topeka, Ottawa, and Manhattan among others. We have data for 5 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.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

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    Originations

    84

    Origination Dollar Volume (All Markets)

    $6,470,000

    Top 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 51 $3,955,000 $77,549 $0 0.00%
    Emporia, KS (FHA|USDA|VA) 18 $1,630,000 $90,556 $0 0.00%
    TOPEKA, KS (FHA|USDA|VA) 12 $640,000 $53,333 $0 0.00%
    Ottawa, KS (FHA|USDA|VA) 2 $130,000 $65,000 $0 0.00%
    MANHATTAN, KS (FHA|USDA|VA) 1 $115,000 $115,000 $0 0.00%
    Citizens State Bank's top markets include Emporia, Topeka, Ottawa, and Manhattan among others.

    Their top states include:
  • Kansas (FHA|USDA|VA)

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 84 $6,470,000 $77,024 $0 0.00%

    For 2019, Citizens State Bank's most frequently originated type of loan was Conventional, with 84 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 54 $4,670,000 $86,481 $0 0.00%
    Home Purchase 21 $1,255,000 $59,762 $0 0.00%
    Home Improvement 9 $545,000 $60,556 $0 0.00%

    For 2019, Citizens State Bank's most frequently cited loan purpose was Refi, with 54 originations. The 2nd most popular reason was Home Purchase, with 21 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 84 $6,470,000 $77,024 $0 0.00%

    For 2019, Citizens State Bank's most frequently cited loan duration was Other, with 84 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 61 $2,495,000 $40,902 $0 0.00%
    $100k-200k 19 $2,535,000 $133,421 $0 0.00%
    $200k-400k 3 $1,025,000 $341,667 $0 0.00%
    $400k-600k 1 $415,000 $415,000 $0 0.00%

    2019 saw Citizens State Bank place emphasis on $100,000 or less loans with 61 originations, totaling $2,495,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 23 $1,625,000 $70,652 $0 0.00%
    $75k-100k 15 $1,115,000 $74,333 $0 0.00%
    $100k-150k 12 $950,000 $79,167 $0 0.00%
    $50k or less 12 $460,000 $38,333 $0 0.00%
    $150k-250k 7 $975,000 $139,286 $0 0.00%
    $250k+ 1 $65,000 $65,000 $0 0.00%

    Citizens State Bank lent most frequently to those with incomes in the $50k-75k range, with 23 originations. The second most popular income band? $75k-100k, with 15 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 84 $6,470,000 $77,024 $0 0.00%

    Citizens State Bank lent most frequently to those with DTI ratios of Exempt%, with 84 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 78 $5,910,000 $75,769 $0 0.00%
    Not applicable 6 $560,000 $93,333 $0 0.00%

    Approval Rates

    Total approvals of all applications
    96.67%

    Citizens State Bank has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

    Pick Rate

    Approvals leading to origination
    96.43%

    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 84 $6,470,000 $77,024

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 4 $760,000 $190,000
    Single Family (1-4 Units):Manufactured 6 $240,000 $40,000
    Single Family (1-4 Units):Site-Built 74 $5,470,000 $73,919

    Complaints

    Bank Name Product Issue 2019 CPFB Complaints % of Total Issues
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 10 4.3%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Closing on a mortgage 6 2.6%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Incorrect information on your report 1 0.4%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Struggling to pay mortgage 20 8.6%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Trouble during payment process 81 34.8%
    CITIZENS FINANCIAL GROUP, INC. FHA mortgage Applying for a mortgage or refinancing an existing mortgage 2 0.9%
    CITIZENS FINANCIAL GROUP, INC. FHA mortgage Closing on a mortgage 3 1.3%
    CITIZENS FINANCIAL GROUP, INC. FHA mortgage Incorrect information on your report 1 0.4%
    CITIZENS FINANCIAL GROUP, INC. FHA mortgage Struggling to pay mortgage 1 0.4%
    CITIZENS FINANCIAL GROUP, INC. FHA mortgage Trouble during payment process 13 5.6%
    CITIZENS FINANCIAL GROUP, INC. Home equity loan or line of credit (HELOC) Applying for a mortgage or refinancing an existing mortgage 11 4.7%
    CITIZENS FINANCIAL GROUP, INC. Home equity loan or line of credit (HELOC) Closing on a mortgage 9 3.9%
    CITIZENS FINANCIAL GROUP, INC. Home equity loan or line of credit (HELOC) Struggling to pay mortgage 8 3.4%
    CITIZENS FINANCIAL GROUP, INC. Home equity loan or line of credit (HELOC) Trouble during payment process 52 22.3%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Applying for a mortgage or refinancing an existing mortgage 1 0.4%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Closing on a mortgage 4 1.7%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Struggling to pay mortgage 2 0.9%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Trouble during payment process 3 1.3%
    CITIZENS FINANCIAL GROUP, INC. VA mortgage Applying for a mortgage or refinancing an existing mortgage 2 0.9%
    CITIZENS FINANCIAL GROUP, INC. VA mortgage Struggling to pay mortgage 1 0.4%
    CITIZENS FINANCIAL GROUP, INC. VA mortgage Trouble during payment process 2 0.9%