Citizens Bank Of Amsterdam Mortgage Rates, Fees & Info
Butler, MOLEI: 54930023OB56DYOL3G92
Tax ID: 44-0200030
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Mortgage Data
Review & Overview
Citizens Bank Of Amsterdam is a smaller bank specializing in Refi and Home Purchase loans. Citizens Bank Of Amsterdam has a high proportion of conventional loans. Their top markets by origination volume include: Kansas City, Joplin, Manhattan, Ottawa, and Topeka among others. We have data for 7 markets. (Some data included below & more in-depth data is available with an active subscription.)Citizens Bank Of Amsterdam 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
94Origination Dollar Volume (All Markets)
$13,010,000Top 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 |
|---|---|---|---|---|---|
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 56 | $6,240,000 | $111,429 | $0 | 0.00% |
| Outside of Metro Areas | 33 | $4,245,000 | $128,636 | $0 | 0.00% |
| JOPLIN, MO (FHA|USDA|VA) | 1 | $2,025,000 | $2,025,000 | $0 | 0.00% |
| MANHATTAN, KS (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 0.00% |
| Ottawa, KS (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 0.00% |
| TOPEKA, KS (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 0.00% |
| Pittsburg, KS (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 94 | $13,010,000 | $138,404 | $0 | 0.00% |
For 2022, Citizens Bank Of Amsterdam's most frequently originated type of loan was Conventional, with 94 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Refi | 49 | $6,755,000 | $137,857 | $0 | 0.00% |
| Home Purchase | 38 | $5,870,000 | $154,474 | $0 | 0.00% |
| Home Improvement | 7 | $385,000 | $55,000 | $0 | 0.00% |
For 2022, Citizens Bank Of Amsterdam's most frequently cited loan purpose was Refi, with 49 originations. The 2nd most popular reason was Home Purchase, with 38 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 94 | $13,010,000 | $138,404 | $0 | 0.00% |
For 2022, Citizens Bank Of Amsterdam's most frequently cited loan duration was Other, with 94 originations.
Loan Sizing
2022 saw Citizens Bank Of Amsterdam place emphasis on $100,000 or less loans with 55 originations, totaling $2,715,000 in origination value.
Applicant Income
Citizens Bank Of Amsterdam lent most frequently to those with incomes in the $50k-75k range, with 26 originations. The second most popular income band? $50k or less, with 26 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 94 | $13,010,000 | $138,404 | $0 | 0.00% |
Citizens Bank Of Amsterdam lent most frequently to those with DTI ratios of Exempt%, with 94 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| White | 79 | $9,985,000 | $126,392 | $0 | 0.00% |
| Not applicable | 15 | $3,025,000 | $201,667 | $0 | 0.00% |
Approval Rates
Total approvals of all applications82.96%
Citizens Bank Of Amsterdam has a below average approval rate.
Pick Rate
Approvals leading to origination80.85%
Citizens Bank Of Amsterdam has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 94 | $13,010,000 | $138,404 |
Complaints
| Bank Name | Product | Issue | 2022 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| CITIZENS FINANCIAL GROUP, INC. | Conventional home mortgage | Closing on a mortgage | 1 | 10.0% |
| CITIZENS FINANCIAL GROUP, INC. | Conventional home mortgage | Struggling to pay mortgage | 3 | 30.0% |
| CITIZENS FINANCIAL GROUP, INC. | Conventional home mortgage | Trouble during payment process | 4 | 40.0% |
| CITIZENS FINANCIAL GROUP, INC. | Home equity loan or line of credit (HELOC) | Trouble during payment process | 1 | 10.0% |
| CITIZENS FINANCIAL GROUP, INC. | VA mortgage | Trouble during payment process | 1 | 10.0% |