Citizens Bank Of Kansas Mortgage Rates, Fees & Info
Kingman, KSLEI: 549300C4ZH7G6OB81F33
Tax ID: 48-0296945
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Mortgage Data
Review & Overview
Citizens Bank Of Kansas is a smaller bank specializing in Home Purchase loans. Citizens Bank Of Kansas has a high proportion of conventional loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Wichita, Winfield, Phoenix, Manhattan, and Emporia among others. We have data for 11 markets. (Some data included below & more in-depth data is available with an active subscription.)Citizens Bank Of Kansas 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
103Origination Dollar Volume (All Markets)
$20,535,000Top 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 |
|---|---|---|---|---|---|
| WICHITA, KS (FHA|USDA|VA) | 63 | $15,895,000 | $252,302 | $0 | 0.00% |
| Outside of Metro Areas | 19 | $1,665,000 | $87,632 | $0 | 0.00% |
| Winfield, KS (FHA|USDA|VA) | 11 | $835,000 | $75,909 | $0 | 0.00% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 1 | $645,000 | $645,000 | $0 | 0.00% |
| MANHATTAN, KS (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $0 | 0.00% |
| Emporia, KS (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $0 | 0.00% |
| Branson, MO (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $0 | 0.00% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 0.00% |
| TOPEKA, KS (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 0.00% |
| Coffeyville, KS (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 0.00% |
| Hutchinson, KS (FHA|USDA|VA) | 1 | $15,000 | $15,000 | $0 | 0.00% |
Similar Lenders
We use machine learning to identify the top lenders compared against Citizens Bank of Kansas based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 99 | $20,105,000 | $203,081 | $0 | 0.00% |
| USDA | 4 | $430,000 | $107,500 | $0 | 0.00% |
For 2023, Citizens Bank Of Kansas's most frequently originated type of loan was Conventional, with 99 originations. Their 2nd most popular type was USDA, with 4 originations.
Loan Reason
For 2023, Citizens Bank Of Kansas's most frequently cited loan purpose was Home Purchase, with 66 originations. The 2nd most popular reason was Cash Out Refi, with 16 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 103 | $20,535,000 | $199,369 | $0 | 0.00% |
For 2023, Citizens Bank Of Kansas's most frequently cited loan duration was Other, with 103 originations.
Loan Sizing
2023 saw Citizens Bank Of Kansas place emphasis on $100,000 or less loans with 43 originations, totaling $2,205,000 in origination value.
Applicant Income
Citizens Bank Of Kansas lent most frequently to those with incomes in the $100k-150k range, with 19 originations. The second most popular income band? $50k-75k, with 18 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 103 | $20,535,000 | $199,369 | $0 | 0.00% |
Citizens Bank Of Kansas lent most frequently to those with DTI ratios of Exempt%, with 103 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications85.21%
Citizens Bank Of Kansas has an average approval rate.
Pick Rate
Approvals leading to origination82.52%
Citizens Bank Of Kansas has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 103 | $20,535,000 | $199,369 |