Citizens Bank Of Amsterdam Mortgage Rates, Fees & Info

Butler, MO

LEI: 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

94

Origination Dollar Volume (All Markets)

$13,010,000

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
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%
Citizens Bank Of Amsterdam's top markets include Kansas City, Joplin, Manhattan, Ottawa, and Topeka among others.

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

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 55 $2,715,000 $49,364 $0 0.00%
    $100k-200k 20 $2,800,000 $140,000 $0 0.00%
    $200k-400k 15 $4,085,000 $272,333 $0 0.00%
    $400k-600k 3 $1,385,000 $461,667 $0 0.00%
    $1MM+ 1 $2,025,000 $2,025,000 $0 0.00%

    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

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 26 $2,390,000 $91,923 $0 0.00%
    $50k or less 26 $1,550,000 $59,615 $0 0.00%
    $100k-150k 10 $2,530,000 $253,000 $0 0.00%
    $150k-250k 7 $1,285,000 $183,571 $0 0.00%
    $75k-100k 6 $1,270,000 $211,667 $0 0.00%
    $250k+ 4 $960,000 $240,000 $0 0.00%

    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 applications
    82.96%

    Citizens Bank Of Amsterdam has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    80.85%

    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

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    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%