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 and Refi 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, Fayetteville, Kansas City, and Hutchinson among others. We have data for 12 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
174Origination Dollar Volume (All Markets)
$42,650,000Top 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) | 116 | $33,560,000 | $289,310 | $0 | 0.00% |
| Outside of Metro Areas | 27 | $3,725,000 | $137,963 | $0 | 0.00% |
| Winfield, KS (FHA|USDA|VA) | 16 | $1,320,000 | $82,500 | $0 | 0.00% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 1 | $905,000 | $905,000 | $0 | 0.00% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 2 | $690,000 | $345,000 | $0 | 0.00% |
| Hutchinson, KS (FHA|USDA|VA) | 5 | $675,000 | $135,000 | $0 | 0.00% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $0 | 0.00% |
| Emporia, KS (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $0 | 0.00% |
| Helena, MT (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $0 | 0.00% |
| MANHATTAN, KS (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $0 | 0.00% |
| Coffeyville, KS (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $0 | 0.00% |
| Great Bend, KS (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $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 | 172 | $42,460,000 | $246,860 | $0 | 0.00% |
| USDA | 2 | $190,000 | $95,000 | $0 | 0.00% |
For 2022, Citizens Bank Of Kansas's most frequently originated type of loan was Conventional, with 172 originations. Their 2nd most popular type was USDA, with 2 originations.
Loan Reason
For 2022, Citizens Bank Of Kansas's most frequently cited loan purpose was Home Purchase, with 102 originations. The 2nd most popular reason was Refi, with 34 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 174 | $42,650,000 | $245,115 | $0 | 0.00% |
For 2022, Citizens Bank Of Kansas's most frequently cited loan duration was Other, with 174 originations.
Loan Sizing
2022 saw Citizens Bank Of Kansas place emphasis on $100,000 or less loans with 58 originations, totaling $3,440,000 in origination value.
Applicant Income
Citizens Bank Of Kansas lent most frequently to those with incomes in the $75k-100k range, with 32 originations. The second most popular income band? $100k-150k, with 26 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 174 | $42,650,000 | $245,115 | $0 | 0.00% |
Citizens Bank Of Kansas lent most frequently to those with DTI ratios of Exempt%, with 174 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications85.42%
Citizens Bank Of Kansas has an average approval rate.
Pick Rate
Approvals leading to origination82.18%
Citizens Bank Of Kansas has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 174 | $42,650,000 | $245,115 |
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% |