Citizens Savings And Loan Association Fsb Mortgage Rates, Fees & Info

Leavenworth, KS

LEI: 549300K59ORGG9RDD082

Tax ID: 48-0168910

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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 Savings And Loan Association Fsb is a smaller mortgage company specializing in Home Purchase loans. Citizens Savings And Loan Association Fsb has a high proportion of conventional loans. Their top markets by origination volume include: Kansas City, Topeka, and Atchison among others. We have data for 3 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Citizens Savings And Loan Association Fsb has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Citizens Savings And Loan Association Fsb is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    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

    178

    Origination Dollar Volume (All Markets)

    $40,420,000

    Employee count

    38 Show all (8) awards

    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) 175 $39,645,000 $226,543 $2,772 3.78%
    TOPEKA, KS (FHA|USDA|VA) 2 $550,000 $275,000 $3,633 3.88%
    Atchison, KS (FHA|USDA|VA) 1 $225,000 $225,000 $8,386 2.88%
    Citizens Savings And Loan Association Fsb's top markets include Kansas City, Topeka, and Atchison 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 Savings and Loan Association FSB based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    Citizens Savings and Loan Association, FSB
    Similarity Rank: 141
    MAINSTREET FEDERAL CREDIT UNION
    Similarity Rank: 160
    UNITED CONSUMERS CREDIT UNION
    Similarity Rank: 416
    FRONTIER COMMUNITY CREDIT UNION
    Similarity Rank: 651
    Central Bank of Warrensburg
    Similarity Rank: 1032
    Hawthorn Bank
    Similarity Rank: 1564
    Central National Bank
    Similarity Rank: 1881
    Capitol Federal Savings Bank
    Similarity Rank: 2128
    Platte Valley Bank of Missouri
    Similarity Rank: 2184
    Union Bank and Trust Company
    Similarity Rank: 2268

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 98 $17,550,000 $179,082 $1,637 4.04%
    VA 80 $22,870,000 $285,875 $4,083 3.44%

    For 2019, Citizens Savings And Loan Association Fsb's most frequently originated type of loan was Conventional, with 98 originations. Their 2nd most popular type was VA, with 80 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 111 $27,885,000 $251,216 $3,503 3.76%
    Refi 32 $7,980,000 $249,375 $1,818 3.58%
    Cash Out Refi 20 $2,960,000 $148,000 $1,810 3.75%
    Home Improvement 9 $1,135,000 $126,111 $1,336 3.92%
    Other 6 $460,000 $76,667 $882 4.94%

    For 2019, Citizens Savings And Loan Association Fsb's most frequently cited loan purpose was Home Purchase, with 111 originations. The 2nd most popular reason was Refi, with 32 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 128 $33,350,000 $260,547 $3,176 3.67%
    15 Year 28 $3,920,000 $140,000 $1,511 3.73%
    10 Year 8 $540,000 $67,500 $853 4.53%
    30+ year 6 $1,680,000 $280,000 $4,244 4.21%
    20 Year 3 $755,000 $251,667 $1,658 4.04%
    5 Year 3 $65,000 $21,667 $472 4.67%
    1 Year 1 $25,000 $25,000 $0 4.25%
    Other 1 $85,000 $85,000 $2,181 5.00%

    For 2019, Citizens Savings And Loan Association Fsb's most frequently cited loan duration was 30 Year, with 128 originations. The 2nd most popular length was 15 Year, with 28 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 142 $30,540,000 $215,070
    $1k-2k 18 $4,500,000 $250,000
    $2k-3k 4 $1,140,000 $285,000
    $3k-4k 2 $620,000 $310,000
    $4k-5k 1 $455,000 $455,000

    Citizens Savings And Loan Association Fsb's average total fees were $3,176, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 142 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 111 $26,095,000 $235,090
    4-5% 39 $7,935,000 $203,462
    2.5-3% 25 $6,195,000 $247,800
    5-6% 3 $195,000 $65,000

    During 2019, Citizens Savings And Loan Association Fsb's average interest rate for loans was 3.67%, while their most frequently originated rate bucket for loans was 3-4%, with 111 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 85 $24,335,000 $286,294 $3,594 3.56%
    $100k-200k 44 $6,560,000 $149,091 $1,903 3.88%
    $100,000 or less 36 $2,280,000 $63,333 $1,179 4.10%
    $400k-600k 11 $5,185,000 $471,364 $4,787 3.73%
    $1MM+ 2 $2,060,000 $1,030,000 $0 4.56%

    2019 saw Citizens Savings And Loan Association Fsb place emphasis on $200k-400k loans with 85 originations, totaling $24,335,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 57 $15,105,000 $265,000 $3,505 3.73%
    $150k-250k 40 $11,050,000 $276,250 $3,184 3.68%
    $50k-75k 31 $4,255,000 $137,258 $2,232 3.85%
    $75k-100k 25 $5,305,000 $212,200 $2,142 3.59%
    $50k or less 16 $1,640,000 $102,500 $1,608 3.91%
    $250k+ 7 $1,945,000 $277,857 $2,909 4.38%

    Citizens Savings And Loan Association Fsb lent most frequently to those with incomes in the $100k-150k range, with 57 originations. The second most popular income band? $150k-250k, with 40 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 56 $12,390,000 $221,250 $2,907 3.82%
    30-36% 35 $8,185,000 $233,857 $2,593 3.90%
    <20% 32 $5,650,000 $176,563 $2,167 3.62%
    40% 7 $1,825,000 $260,714 $3,699 3.36%
    44% 6 $1,400,000 $233,333 $3,828 3.69%
    37% 5 $1,225,000 $245,000 $3,103 3.40%
    38% 5 $1,245,000 $249,000 $2,469 3.78%
    36% 5 $1,165,000 $233,000 $1,502 3.73%
    41% 4 $690,000 $172,500 $1,760 4.22%
    39% 4 $1,240,000 $310,000 $3,083 3.69%
    47% 3 $1,085,000 $361,667 $3,402 3.58%
    42% 3 $575,000 $191,667 $4,635 4.00%
    43% 3 $555,000 $185,000 $2,746 3.21%
    >60% 2 $580,000 $290,000 $8,069 4.00%
    49% 2 $410,000 $205,000 $1,355 3.19%
    45% 2 $750,000 $375,000 $7,199 4.19%
    50-60% 1 $5,000 $5,000 $0 4.75%

    Citizens Savings And Loan Association Fsb lent most frequently to those with DTI ratios of 20-30%, with 56 originations. The next most common DTI ratio? 30-36%, with 35 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 155 $34,395,000 $221,903 $2,834 3.74%
    Not provided 9 $2,315,000 $257,222 $3,533 3.81%
    Asian 4 $1,160,000 $290,000 $1,392 3.94%
    Not applicable 2 $1,120,000 $560,000 $0 4.81%
    Black 5 $795,000 $159,000 $1,380 4.43%
    Native Hawaiian 1 $375,000 $375,000 $6,669 3.00%
    American Indian 2 $260,000 $130,000 $2,376 3.31%

    Approval Rates

    Total approvals of all applications
    95.00%

    Citizens Savings And Loan Association Fsb has an average approval rate.

    Pick Rate

    Approvals leading to origination
    87.64%

    Citizens Savings And Loan Association Fsb has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 178 $40,420,000 $227,079

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 2 $2,060,000 $1,030,000
    Single Family (1-4 Units):Site-Built 176 $38,360,000 $217,955

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 11 $845,000 $76,818 $1,190 3.66%
    40-60% 18 $3,040,000 $168,889 $1,890 3.81%
    60-80% 52 $12,570,000 $241,731 $1,955 3.93%
    80-100% 78 $21,300,000 $273,077 $3,251 3.61%
    Over 100% 8 $2,280,000 $285,000 $9,906 3.47%
    Under 20% 11 $385,000 $35,000 $739 4.45%

    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 Savings and Loan Association, FSB 15500 State Ave Basehor, KS 66007 Full Service B&M $23,398
    Citizens Savings and Loan Association, FSB 312 South Fifth St Leavenworth, KS 66048 Full Service B&M $21,381
    Citizens Savings and Loan Association, FSB 5151 S 4th Street Trafficway Leavenworth, KS 66048 Full Service B&M $87,857

    For 2019, Citizens Savings And Loan Association Fsb had 3 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $5,756
    Net interest income $4,556
    Total noninterest income $1,174
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $179
    Trading account gains and fees $0
    Additional Noninterest Income $995
    Pre-tax net operating income $458
    Securities gains (or losses, -) $35
    Income before extraordinary items $360
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $360
    Minority interest net income $0
    Net income $360
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $332

    Citizens Savings And Loan Association Fsb's gross interest income from loans was $5,756,000.
    Citizens Savings And Loan Association Fsb's net interest income from loans was $4,556,000.
    Citizens Savings And Loan Association Fsb's fee based income from loans was $179,000.
    Citizens Savings And Loan Association Fsb's net income from loans was $360,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $1,200
    Provision for credit losses $31
    Total noninterest expense $5,241
    Salaries and employee benefits $3,381
    Premises and equipment expense $572
    Additional noninterest expense $1,288
    Applicable income taxes $133
    Net charge-offs $8
    Cash dividends $0

    Citizens Savings And Loan Association Fsb's interest expense for loans was $1,200,000.
    Citizens Savings And Loan Association Fsb's payroll and benefits expense were $3,381,000.
    Citizens Savings And Loan Association Fsb's property, plant and equipment expenses $572,000.

    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 2.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $123,727
    Deposits held in domestic offices $123,727
    Deposits by Individuals, partnerships, and corporations $114,102
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $9,625
    Deposits by Commercial banks and other depository institutions in U.S. $0
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $38,148
    Demand deposits $1,233
    Nontransaction accounts $85,579
    Money market deposit accounts (MMDAs) $12,757
    Other savings deposits (excluding MMDAs) $24,909
    Total time deposits $47,913
    Total time and savings deposits $122,494
    Noninterest-bearing deposits $11,194
    Interest-bearing deposits $112,533
    Retail deposits $112,509
    IRAs and Keogh plan accounts $11,833
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $170,908
    Cash & Balances due from depository institutions $5,946
    Interest-bearing balances $4,654
    Total securities $65,299
    Federal funds sold & reverse repurchase $0
    Net loans and leases $93,498
    Loan and leases loss allowance $497
    Trading account assets $0
    Bank premises and fixed assets $1,756
    Other real estate owned $0
    Goodwill and other intangibles $45
    All other assets $4,364

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $170,908
    Total Liabilities $132,785
    Total deposits $123,727
    Interest-bearing deposits $112,533
    Deposits held in domestic offices $123,727
    % insured (estimated) $92
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $5,000
    Subordinated debt $0
    All other liabilities $4,058

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $93,498
    Loan and leases loss allowance $497
    Total loans and leases (domestic) $93,995
    All real estate loans $90,671
    Real estate loans in domestic offices $90,671
    Construction and development loans $1,018
    Residential 1-4 family construction $679
    Other construction, all land development and other land $339
    Loans secured by nonfarm nonresidential properties $2,523
    Nonfarm nonresidential secured by owner-occupied properties $2,373
    Commercial real estate & other non-farm, non-residential $150
    Multifamily residential real estate $0
    1-4 family residential loans $87,130
    Farmland loans $0
    Loans held in foreign offices $0
    Farm loans $0
    Commercial and industrial loans $1,112
    To non-U.S. addressees $0
    Loans to individuals $2,174
    Credit card loans $0
    Related Plans $0
    Consumer Auto Loans $279
    Other loans to individuals $1,895
    All other loans & leases $38
    Loans to foreign governments and official institutions $0
    Other loans $38
    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 $12
    Non 1-4 family restructured loans & leases $12
    Total loans and leases (foreign) $0

    Citizens Savings and Loan Association FSB had $93,498,000 of loans outstanding in 2019. $90,671,000 of loans were in real estate loans. $1,018,000 of loans were in development loans. $0 of loans were in multifamily mortgage loans. $87,130,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $0 of loans were in credit card loans. $279,000 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 5 $608 $121,600
    Nonfarm, nonresidential loans - <$100k 1 $35 $35,000
    Nonfarm, nonresidential loans - $100-250k 3 $308 $102,667
    Nonfarm, nonresidential loans - $250k-1MM 1 $265 $265,000
    Commercial & Industrial, US addressed loans - <$1MM 9 $735 $81,667
    Commercial & Industrial, US addressed loans - <$100k 7 $443 $63,286
    Commercial & Industrial, US addressed loans - $100-250k 2 $292 $146,000