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, Cash Out Refi, and Refi loans. Citizens Bank Of Kansas has a high proportion of conventional loans. Their top markets by origination volume include: Wichita, Kansas City, Winfield, Hutchinson, and Joplin among others. We have data for 8 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.

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    Originations

    172

    Origination Dollar Volume (All Markets)

    $23,380,000

    Employee count

    110

    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) 122 $18,850,000 $154,508 $0 0.00%
    Outside of Metro Areas 23 $1,815,000 $78,913 $0 0.00%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 3 $1,085,000 $361,667 $0 0.00%
    Winfield, KS (FHA|USDA|VA) 18 $890,000 $49,444 $0 0.00%
    Hutchinson, KS (FHA|USDA|VA) 3 $365,000 $121,667 $0 0.00%
    JOPLIN, MO (FHA|USDA|VA) 1 $205,000 $205,000 $0 0.00%
    ST. JOSEPH, MO-KS (FHA|USDA|VA) 1 $95,000 $95,000 $0 0.00%
    Salina, KS (FHA|USDA|VA) 1 $75,000 $75,000 $0 0.00%
    Citizens Bank Of Kansas's top markets include Wichita, Kansas City, Winfield, Hutchinson, and Joplin among others.

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

    HOME BANK AND TRUST COMPANY
    Similarity Rank: 90
    MID AMERICAN
    Similarity Rank: 128
    SKYWARD
    Similarity Rank: 148
    PANHANDLE FEDERAL CREDIT UNION
    Similarity Rank: 212
    Wichita Federal Credit Union
    Similarity Rank: 275
    Emprise Bank
    Similarity Rank: 294
    GOLDEN PLAINS
    Similarity Rank: 304
    CREDIT UNION OF AMERICA
    Similarity Rank: 450
    HEARTLAND CREDIT UNION
    Similarity Rank: 480
    MERITRUST Federal Credit Union
    Similarity Rank: 532

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 172 $23,380,000 $135,930 $0 0.00%

    For 2019, Citizens Bank Of Kansas's most frequently originated type of loan was Conventional, with 172 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 75 $10,145,000 $135,267 $0 0.00%
    Cash Out Refi 50 $6,010,000 $120,200 $0 0.00%
    Refi 35 $6,945,000 $198,429 $0 0.00%
    Home Improvement 11 $265,000 $24,091 $0 0.00%
    Other 1 $15,000 $15,000 $0 0.00%

    For 2019, Citizens Bank Of Kansas's most frequently cited loan purpose was Home Purchase, with 75 originations. The 2nd most popular reason was Cash Out Refi, with 50 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 172 $23,380,000 $135,930 $0 0.00%

    For 2019, Citizens Bank Of Kansas's most frequently cited loan duration was Other, with 172 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 89 $4,355,000 $48,933 $0 0.00%
    $100k-200k 48 $7,050,000 $146,875 $0 0.00%
    $200k-400k 29 $7,875,000 $271,552 $0 0.00%
    $400k-600k 3 $1,355,000 $451,667 $0 0.00%
    $1MM+ 2 $2,040,000 $1,020,000 $0 0.00%
    $600k-1MM 1 $705,000 $705,000 $0 0.00%

    2019 saw Citizens Bank Of Kansas place emphasis on $100,000 or less loans with 89 originations, totaling $4,355,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 33 $5,025,000 $152,273 $0 0.00%
    $75k-100k 33 $4,795,000 $145,303 $0 0.00%
    $50k or less 26 $1,790,000 $68,846 $0 0.00%
    $50k-75k 25 $2,355,000 $94,200 $0 0.00%
    $150k-250k 13 $3,225,000 $248,077 $0 0.00%
    $250k+ 5 $1,595,000 $319,000 $0 0.00%

    Citizens Bank Of Kansas lent most frequently to those with incomes in the $100k-150k range, with 33 originations. The second most popular income band? $75k-100k, with 33 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 172 $23,380,000 $135,930 $0 0.00%

    Citizens Bank Of Kansas lent most frequently to those with DTI ratios of Exempt%, with 172 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 126 $16,860,000 $133,810 $0 0.00%
    Not applicable 35 $4,535,000 $129,571 $0 0.00%
    American Indian 4 $1,120,000 $280,000 $0 0.00%
    Not provided 6 $650,000 $108,333 $0 0.00%
    Asian 1 $215,000 $215,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    88.02%

    Citizens Bank Of Kansas has an average approval rate.

    Pick Rate

    Approvals leading to origination
    76.74%

    Citizens Bank Of Kansas has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 172 $23,380,000 $135,930

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 1 $25,000 $25,000
    Single Family (1-4 Units):Manufactured 4 $200,000 $50,000
    Single Family (1-4 Units):Site-Built 167 $23,155,000 $138,653

    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%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Citizens Bank of Kansas 1033 North Buckner Street Derby, KS 67037 Full Service B&M $67,999
    Citizens Bank of Kansas 104 West Main Pretty Prairie, KS 67570 Full Service B&M $18,930
    Citizens Bank of Kansas 120 East Kansas Medicine Lodge, KS 67104 Full Service B&M $48,727
    Citizens Bank of Kansas 1511 Main Winfield, KS 67156 Full Service B&M $29,914
    Citizens Bank of Kansas 225 Village Road El Dorado, KS 67042 Full Service B&M $30,551
    Citizens Bank of Kansas 2330 North Ohio Street Augusta, KS 67010 Full Service B&M $13,907
    Citizens Bank of Kansas 300 North Main Street Kingman, KS 67068 Full Service B&M $59,538
    Citizens Bank of Kansas 4820 E. Douglas Wichita, KS 67208 Full Service B&M $22,568
    Citizens Bank of Kansas 601 North Rock Road Derby, KS 67037 Full Service B&M $15,882
    Citizens Bank of Kansas 8718 West 13th Street Wichita, KS 67212 Full Service B&M $7,939
    Citizens Bank of Kansas 920 N. Rock Road Derby, KS 67037 Limited, Drive-thru $0

    For 2019, Citizens Bank Of Kansas had 11 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $15,859
    Net interest income $14,362
    Total noninterest income $3,725
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $1,189
    Trading account gains and fees $0
    Additional Noninterest Income $2,536
    Pre-tax net operating income $3,229
    Securities gains (or losses, -) $138
    Income before extraordinary items $3,283
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $3,283
    Minority interest net income $0
    Net income $3,283
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $3,147

    Citizens Bank Of Kansas's gross interest income from loans was $15,859,000.
    Citizens Bank Of Kansas's net interest income from loans was $14,362,000.
    Citizens Bank Of Kansas's fee based income from loans was $1,189,000.
    Citizens Bank Of Kansas's net income from loans was $3,283,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $1,497
    Provision for credit losses $536
    Total noninterest expense $14,322
    Salaries and employee benefits $7,972
    Premises and equipment expense $1,675
    Additional noninterest expense $4,675
    Applicable income taxes $84
    Net charge-offs $369
    Cash dividends $2,550

    Citizens Bank Of Kansas's interest expense for loans was $1,497,000.
    Citizens Bank Of Kansas's payroll and benefits expense were $7,972,000.
    Citizens Bank Of Kansas's property, plant and equipment expenses $1,675,000.

    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 2.0%
    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 $314,932
    Deposits held in domestic offices $314,932
    Deposits by Individuals, partnerships, and corporations $275,437
    Deposits by U.S. Government $54
    Deposits by States and political subdivisions in the U.S. $39,416
    Deposits by Commercial banks and other depository institutions in U.S. $25
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $161,833
    Demand deposits $78,489
    Nontransaction accounts $153,099
    Money market deposit accounts (MMDAs) $73,362
    Other savings deposits (excluding MMDAs) $41,648
    Total time deposits $38,088
    Total time and savings deposits $236,443
    Noninterest-bearing deposits $78,809
    Interest-bearing deposits $236,123
    Retail deposits $307,955
    IRAs and Keogh plan accounts $6,155
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $380,175
    Cash & Balances due from depository institutions $13,792
    Interest-bearing balances $4,255
    Total securities $103,235
    Federal funds sold & reverse repurchase $20,129
    Net loans and leases $209,458
    Loan and leases loss allowance $2,403
    Trading account assets $0
    Bank premises and fixed assets $8,315
    Other real estate owned $292
    Goodwill and other intangibles $15,374
    All other assets $9,580

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $380,175
    Total Liabilities $326,072
    Total deposits $314,932
    Interest-bearing deposits $236,123
    Deposits held in domestic offices $314,932
    % insured (estimated) $83
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $10,750
    Subordinated debt $0
    All other liabilities $390

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $209,458
    Loan and leases loss allowance $2,403
    Total loans and leases (domestic) $211,861
    All real estate loans $158,646
    Real estate loans in domestic offices $158,646
    Construction and development loans $5,468
    Residential 1-4 family construction $3,906
    Other construction, all land development and other land $1,562
    Loans secured by nonfarm nonresidential properties $53,009
    Nonfarm nonresidential secured by owner-occupied properties $31,985
    Commercial real estate & other non-farm, non-residential $21,024
    Multifamily residential real estate $4,165
    1-4 family residential loans $69,559
    Farmland loans $26,445
    Loans held in foreign offices $0
    Farm loans $24,974
    Commercial and industrial loans $17,873
    To non-U.S. addressees $0
    Loans to individuals $5,150
    Credit card loans $0
    Related Plans $0
    Consumer Auto Loans $3,511
    Other loans to individuals $1,639
    All other loans & leases $5,218
    Loans to foreign governments and official institutions $0
    Other loans $917
    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 $264
    Non 1-4 family restructured loans & leases $264
    Total loans and leases (foreign) $0

    Citizens Bank of Kansas had $209,458,000 of loans outstanding in 2019. $158,646,000 of loans were in real estate loans. $5,468,000 of loans were in development loans. $4,165,000 of loans were in multifamily mortgage loans. $69,559,000 of loans were in 1-4 family mortgage loans. $24,974,000 of loans were in farm loans. $0 of loans were in credit card loans. $3,511,000 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 124 $20,939 $168,863
    Nonfarm, nonresidential loans - <$100k 48 $1,626 $33,875
    Nonfarm, nonresidential loans - $100-250k 37 $4,135 $111,757
    Nonfarm, nonresidential loans - $250k-1MM 39 $15,178 $389,179
    Commercial & Industrial, US addressed loans - <$1MM 209 $10,943 $52,359
    Commercial & Industrial, US addressed loans - <$100k 159 $3,335 $20,975
    Commercial & Industrial, US addressed loans - $100-250k 29 $2,326 $80,207
    Commercial & Industrial, US addressed loans - $250k-1MM 21 $5,282 $251,524
    Farmland loans - <$1MM 192 $20,392 $106,208
    Farmland loans - <$100k 108 $4,247 $39,324
    Farmland loans - $100-250k 50 $7,297 $145,940
    Farmland loans - $250k-1MM 34 $8,848 $260,235
    Agriculture operations loans - <$1MM 392 $16,679 $42,548
    Agriculture operations loans - <$100k 321 $7,233 $22,533
    Agriculture operations loans - $100-250k 53 $5,541 $104,547
    Agriculture operations loans - $250k-1MM 18 $3,905 $216,944