Citizens Bank Of Kansas Mortgage Rates, Fees & Info

Kingman, KS

LEI: 549300C4ZH7G6OB81F33

Tax ID: 48-0296945

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Mortgage Data

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

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • 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. Their top markets by origination volume include: Wichita, Winfield, Hutchinson, Boulder, and Bartlesville among others. We have data for 9 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.

    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.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

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    Originations

    137

    Origination Dollar Volume (All Markets)

    $17,535,000

    Employee count

    63

    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
    WICHITA, KS (FHA|USDA|VA) 94 $13,370,000 $142,234 $0 0.00%
    Outside of Metro Areas 22 $1,460,000 $66,364 $0 0.00%
    Winfield, KS (FHA|USDA|VA) 10 $1,250,000 $125,000 $0 0.00%
    Hutchinson, KS (FHA|USDA|VA) 6 $650,000 $108,333 $0 0.00%
    BOULDER, CO (FHA|USDA|VA) 1 $355,000 $355,000 $0 0.00%
    Bartlesville, OK (FHA|USDA|VA) 1 $125,000 $125,000 $0 0.00%
    Emporia, KS (FHA|USDA|VA) 1 $115,000 $115,000 $0 0.00%
    Atchison, KS (FHA|USDA|VA) 1 $105,000 $105,000 $0 0.00%
    OKLAHOMA CITY, OK (FHA|USDA|VA) 1 $105,000 $105,000 $0 0.00%
    Citizens Bank Of Kansas's top markets include Wichita, Winfield, Hutchinson, Boulder, and Bartlesville among others.

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

    • 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.

    The Halstead Bank
    Similarity Rank: 64
    MID AMERICAN
    Similarity Rank: 128
    WHITE EAGLE Credit Union
    Similarity Rank: 130
    SKYWARD
    Similarity Rank: 132
    Members Mortgage Services, L.L.C.
    Similarity Rank: 165
    HOME BANK AND TRUST COMPANY
    Similarity Rank: 261
    GOLDEN PLAINS
    Similarity Rank: 324
    MERITRUST Federal Credit Union
    Similarity Rank: 330
    Emprise Bank
    Similarity Rank: 420
    Wichita Federal Credit Union
    Similarity Rank: 567

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 137 $17,535,000 $127,993 $0 0.00%

    For 2018, Citizens Bank Of Kansas's most frequently originated type of loan was Conventional, with 137 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 67 $11,885,000 $177,388 $0 0.00%
    Refi 30 $3,070,000 $102,333 $0 0.00%
    Cash Out Refi 24 $1,900,000 $79,167 $0 0.00%
    Home Improvement 12 $600,000 $50,000 $0 0.00%
    Other 4 $80,000 $20,000 $0 0.00%

    For 2018, Citizens Bank Of Kansas's most frequently cited loan purpose was Home Purchase, with 67 originations. The 2nd most popular reason was Refi, with 30 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 137 $17,535,000 $127,993 $0 0.00%

    For 2018, Citizens Bank Of Kansas's most frequently cited loan duration was Other, with 137 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 80 $4,050,000 $50,625 $0 0.00%
    $100k-200k 34 $4,640,000 $136,471 $0 0.00%
    $200k-400k 21 $5,745,000 $273,571 $0 0.00%
    $1MM+ 1 $2,645,000 $2,645,000 $0 0.00%
    $400k-600k 1 $455,000 $455,000 $0 0.00%

    2018 saw Citizens Bank Of Kansas place emphasis on $100,000 or less loans with 80 originations, totaling $4,050,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 30 $1,750,000 $58,333 $0 0.00%
    $100k-150k 21 $3,255,000 $155,000 $0 0.00%
    $50k-75k 19 $1,575,000 $82,895 $0 0.00%
    $75k-100k 18 $2,460,000 $136,667 $0 0.00%
    $150k-250k 10 $1,720,000 $172,000 $0 0.00%
    $250k+ 5 $825,000 $165,000 $0 0.00%

    Citizens Bank Of Kansas lent most frequently to those with incomes in the $50k or less range, with 30 originations. The second most popular income band? $100k-150k, with 21 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 137 $17,535,000 $127,993 $0 0.00%

    Citizens Bank Of Kansas lent most frequently to those with DTI ratios of Exempt%, with 137 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 93 $10,705,000 $115,108 $0 0.00%
    Not applicable 34 $5,950,000 $175,000 $0 0.00%
    Not provided 5 $465,000 $93,000 $0 0.00%
    Asian 2 $210,000 $105,000 $0 0.00%
    American Indian 3 $205,000 $68,333 $0 0.00%

    Approval Rates

    Total approvals of all applications
    75.22%

    Citizens Bank Of Kansas has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    75.91%

    Citizens Bank Of Kansas has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 137 $17,535,000 $127,993

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 6 $3,490,000 $581,667
    Single Family (1-4 Units):Site-Built 131 $14,045,000 $107,214

    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%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Citizens Bank of Kansas 104 West Main Pretty Prairie, KS 67570 Full Service B&M $19,481
    Citizens Bank of Kansas 120 East Kansas Medicine Lodge, KS 67104 Full Service B&M $55,798
    Citizens Bank of Kansas 1511 Main Winfield, KS 67156 Full Service B&M $32,545
    Citizens Bank of Kansas 300 North Main Street Kingman, KS 67068 Full Service B&M $59,846
    Citizens Bank of Kansas 4820 E. Douglas Wichita, KS 67208 Full Service B&M $21,949
    Citizens Bank of Kansas 8718 West 13th Street Wichita, KS 67212 Full Service B&M $9,359

    For 2018, Citizens Bank Of Kansas had 6 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $9,706
    Net interest income $8,790
    Total noninterest income $1,797
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $799
    Trading account gains and fees $0
    Additional Noninterest Income $998
    Pre-tax net operating income $2,073
    Securities gains (or losses, -) $551
    Income before extraordinary items $2,560
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $2,560
    Minority interest net income $0
    Net income $2,560
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $2,020

    Citizens Bank Of Kansas's gross interest income from loans was $9,706,000.
    Citizens Bank Of Kansas's net interest income from loans was $8,790,000.
    Citizens Bank Of Kansas's fee based income from loans was $799,000.
    Citizens Bank Of Kansas's net income from loans was $2,560,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $916
    Provision for credit losses $129
    Total noninterest expense $8,385
    Salaries and employee benefits $5,306
    Premises and equipment expense $951
    Additional noninterest expense $2,128
    Applicable income taxes $64
    Net charge-offs $46
    Cash dividends $1,300

    Citizens Bank Of Kansas's interest expense for loans was $916,000.
    Citizens Bank Of Kansas's payroll and benefits expense were $5,306,000.
    Citizens Bank Of Kansas's property, plant and equipment expenses $951,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $196,953
    Deposits held in domestic offices $196,953
    Deposits by Individuals, partnerships, and corporations $160,879
    Deposits by U.S. Government $40
    Deposits by States and political subdivisions in the U.S. $36,018
    Deposits by Commercial banks and other depository institutions in U.S. $16
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $92,776
    Demand deposits $33,956
    Nontransaction accounts $104,177
    Money market deposit accounts (MMDAs) $49,636
    Other savings deposits (excluding MMDAs) $20,680
    Total time deposits $33,862
    Total time and savings deposits $162,997
    Noninterest-bearing deposits $34,314
    Interest-bearing deposits $162,639
    Retail deposits $188,394
    IRAs and Keogh plan accounts $2,495
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $236,384
    Cash & Balances due from depository institutions $8,530
    Interest-bearing balances $1,256
    Total securities $66,255
    Federal funds sold & reverse repurchase $4,856
    Net loans and leases $142,920
    Loan and leases loss allowance $2,236
    Trading account assets $0
    Bank premises and fixed assets $3,280
    Other real estate owned $0
    Goodwill and other intangibles $5,419
    All other assets $5,124

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $236,384
    Total Liabilities $207,162
    Total deposits $196,953
    Interest-bearing deposits $162,639
    Deposits held in domestic offices $196,953
    % insured (estimated) $77
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $10,000
    Subordinated debt $0
    All other liabilities $209

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $142,920
    Loan and leases loss allowance $2,236
    Total loans and leases (domestic) $145,156
    All real estate loans $99,823
    Real estate loans in domestic offices $99,823
    Construction and development loans $0
    Residential 1-4 family construction $0
    Other construction, all land development and other land $0
    Loans secured by nonfarm nonresidential properties $40,097
    Nonfarm nonresidential secured by owner-occupied properties $19,934
    Commercial real estate & other non-farm, non-residential $20,163
    Multifamily residential real estate $2,814
    1-4 family residential loans $41,385
    Farmland loans $15,527
    Loans held in foreign offices $0
    Farm loans $17,793
    Commercial and industrial loans $20,193
    To non-U.S. addressees $0
    Loans to individuals $1,786
    Credit card loans $0
    Related Plans $0
    Consumer Auto Loans $985
    Other loans to individuals $801
    All other loans & leases $5,561
    Loans to foreign governments and official institutions $0
    Other loans $1,161
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $0
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $824
    Non 1-4 family restructured loans & leases $824
    Total loans and leases (foreign) $0

    Citizens Bank of Kansas had $142,920,000 of loans outstanding in 2018. $99,823,000 of loans were in real estate loans. $0 of loans were in development loans. $2,814,000 of loans were in multifamily mortgage loans. $41,385,000 of loans were in 1-4 family mortgage loans. $17,793,000 of loans were in farm loans. $0 of loans were in credit card loans. $985,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 84 $13,174 $156,833
    Nonfarm, nonresidential loans - <$100k 38 $1,400 $36,842
    Nonfarm, nonresidential loans - $100-250k 25 $2,899 $115,960
    Nonfarm, nonresidential loans - $250k-1MM 21 $8,875 $422,619
    Commercial & Industrial, US addressed loans - <$1MM 178 $13,122 $73,719
    Commercial & Industrial, US addressed loans - <$100k 114 $2,460 $21,579
    Commercial & Industrial, US addressed loans - $100-250k 35 $3,532 $100,914
    Commercial & Industrial, US addressed loans - $250k-1MM 29 $7,130 $245,862
    Farmland loans - <$1MM 136 $14,201 $104,419
    Farmland loans - <$100k 80 $3,239 $40,488
    Farmland loans - $100-250k 34 $5,073 $149,206
    Farmland loans - $250k-1MM 22 $5,889 $267,682
    Agriculture operations loans - <$1MM 322 $13,071 $40,593
    Agriculture operations loans - <$100k 265 $5,946 $22,438
    Agriculture operations loans - $100-250k 47 $4,824 $102,638
    Agriculture operations loans - $250k-1MM 10 $2,301 $230,100