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

Leavenworth, KS

LEI: 549300K59ORGG9RDD082

Tax ID: 48-0168910

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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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 and Refi loans. Citizens Savings And Loan Association Fsb has a high proportion of conventional loans. Their top markets by origination volume include: Kansas City, Atchison, and Topeka among others. We have data for 4 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

    236

    Origination Dollar Volume (All Markets)

    $51,050,000

    Employee count

    36

    Awards

    Citizens Savings and Loan Association FSB 30 Year Conventional Loans gold Citizens Savings and Loan Association FSB 30 Year Conventional Loans gold Citizens Savings and Loan Association FSB VA Loans silver
    Show all (3) 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) 224 $48,310,000 $215,670 $2,604 3.13%
    Outside of Metro Areas 9 $2,185,000 $242,778 $1,711 2.78%
    Atchison, KS (FHA|USDA|VA) 1 $285,000 $285,000 $1,154 2.25%
    TOPEKA, KS (FHA|USDA|VA) 2 $270,000 $135,000 $1,331 2.88%
    Citizens Savings And Loan Association Fsb's top markets include Kansas City, Atchison, and Topeka 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.

    HNB National Bank
    Similarity Rank: 195
    Azura Credit Union
    Similarity Rank: 380
    FRONTIER COMMUNITY CREDIT UNION
    Similarity Rank: 553
    MAINSTREET FEDERAL CREDIT UNION
    Similarity Rank: 592
    Citizens Savings and Loan Association, FSB
    Similarity Rank: 652
    UNITED CONSUMERS CREDIT UNION
    Similarity Rank: 825
    Central Bank of Warrensburg
    Similarity Rank: 1188
    CoreFirst Bank & Trust
    Similarity Rank: 1518
    Union Bank and Trust Company
    Similarity Rank: 1760
    MERITRUST Federal Credit Union
    Similarity Rank: 1898

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 148 $26,700,000 $180,405 $1,593 3.31%
    VA 88 $24,350,000 $276,705 $3,984 2.77%

    For 2020, Citizens Savings And Loan Association Fsb's most frequently originated type of loan was Conventional, with 148 originations. Their 2nd most popular type was VA, with 88 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 102 $24,720,000 $242,353 $3,779 3.11%
    Refi 88 $19,870,000 $225,795 $1,607 2.93%
    Cash Out Refi 37 $5,665,000 $153,108 $1,816 3.22%
    Home Improvement 8 $710,000 $88,750 $1,127 4.55%
    Other 1 $85,000 $85,000 $1,125 3.00%

    For 2020, Citizens Savings And Loan Association Fsb's most frequently cited loan purpose was Home Purchase, with 102 originations. The 2nd most popular reason was Refi, with 88 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 159 $37,985,000 $238,899 $2,951 3.04%
    15 Year 53 $8,725,000 $164,623 $1,504 2.95%
    20 Year 8 $1,210,000 $151,250 $1,604 3.50%
    10 Year 6 $800,000 $133,333 $513 4.75%
    Other 6 $1,050,000 $175,000 $1,386 3.48%
    30+ year 3 $1,245,000 $415,000 $6,159 3.53%
    5 Year 1 $35,000 $35,000 $512 5.50%

    For 2020, Citizens Savings And Loan Association Fsb's most frequently cited loan duration was 30 Year, with 159 originations. The 2nd most popular length was 15 Year, with 53 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 197 $42,735,000 $216,929
    $1k-2k 19 $4,295,000 $226,053
    $2k-3k 1 $205,000 $205,000
    $4k-5k 1 $385,000 $385,000
    $5k+ 1 $535,000 $535,000

    Citizens Savings And Loan Association Fsb's average total fees were $2,951, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 197 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 87 $19,865,000 $228,333
    2.5-3% 83 $18,055,000 $217,530
    <2.5% 51 $12,125,000 $237,745
    4-5% 12 $930,000 $77,500
    5-6% 3 $75,000 $25,000

    During 2020, Citizens Savings And Loan Association Fsb's average interest rate for loans was 3.04%, while their most frequently originated rate bucket for loans was 3-4%, with 87 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 108 $29,740,000 $275,370 $2,917 2.94%
    $100k-200k 81 $12,925,000 $159,568 $1,640 3.05%
    $100,000 or less 35 $2,215,000 $63,286 $1,184 3.74%
    $400k-600k 10 $4,660,000 $466,000 $8,319 3.00%
    $600k-1MM 2 $1,510,000 $755,000 $14,938 3.69%

    2020 saw Citizens Savings And Loan Association Fsb place emphasis on $200k-400k loans with 108 originations, totaling $29,740,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 78 $19,030,000 $243,974 $3,564 3.10%
    $150k-250k 44 $11,810,000 $268,409 $2,309 2.81%
    $75k-100k 40 $7,270,000 $181,750 $1,463 3.20%
    $50k-75k 39 $6,225,000 $159,615 $1,913 3.12%
    $50k or less 19 $2,115,000 $111,316 $2,176 3.22%
    $250k+ 8 $2,610,000 $326,250 $3,951 3.14%

    Citizens Savings And Loan Association Fsb lent most frequently to those with incomes in the $100k-150k range, with 78 originations. The second most popular income band? $150k-250k, with 44 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 85 $17,695,000 $208,176 $2,310 3.05%
    <20% 46 $9,040,000 $196,522 $2,226 2.86%
    30-36% 40 $8,680,000 $217,000 $2,789 3.24%
    36% 11 $2,775,000 $252,273 $2,092 2.89%
    39% 8 $2,160,000 $270,000 $4,121 3.33%
    37% 7 $1,375,000 $196,429 $1,637 3.00%
    38% 4 $870,000 $217,500 $1,231 3.13%
    43% 4 $1,190,000 $297,500 $6,426 3.09%
    40% 4 $1,540,000 $385,000 $4,189 2.91%
    44% 3 $655,000 $218,333 $1,974 3.50%
    >60% 2 $550,000 $275,000 $7,448 2.75%
    41% 2 $420,000 $210,000 $5,603 3.06%
    47% 2 $690,000 $345,000 $1,319 3.25%
    50-60% 2 $330,000 $165,000 $3,131 2.94%
    42% 1 $145,000 $145,000 $1,308 3.50%
    45% 1 $295,000 $295,000 $1,597 2.75%
    46% 1 $175,000 $175,000 $1,326 3.25%

    Citizens Savings And Loan Association Fsb lent most frequently to those with DTI ratios of 20-30%, with 85 originations. The next most common DTI ratio? <20%, with 46 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 203 $43,535,000 $214,458 $2,518 3.09%
    Not provided 19 $4,065,000 $213,947 $2,959 2.89%
    Not applicable 8 $1,990,000 $248,750 $0 4.03%
    Black 4 $840,000 $210,000 $2,924 2.94%
    Asian 2 $620,000 $310,000 $1,441 3.31%

    Approval Rates

    Total approvals of all applications
    96.56%

    Citizens Savings And Loan Association Fsb has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

    Pick Rate

    Approvals leading to origination
    88.56%

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

    Points and Fees

    Points Originations Total Value Average Loan
    NA 236 $51,050,000 $216,314

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Site-Built 236 $51,050,000 $216,314

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 15 $2,035,000 $135,667 $1,346 3.16%
    40-60% 37 $5,635,000 $152,297 $1,496 3.05%
    60-80% 82 $17,340,000 $211,463 $1,666 3.18%
    80-100% 90 $24,030,000 $267,000 $3,338 2.95%
    Over 100% 6 $1,870,000 $311,667 $12,138 2.81%
    Under 20% 6 $140,000 $23,333 $471 5.04%

    Complaints

    Bank Name Product Issue 2020 CPFB Complaints % of Total Issues
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 35 12.8%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Closing on a mortgage 13 4.7%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Credit monitoring or identity theft protection services 1 0.4%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Incorrect information on your report 5 1.8%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Problem with a credit reporting company's investigation into an existing problem 1 0.4%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Struggling to pay mortgage 26 9.5%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Trouble during payment process 109 39.8%
    CITIZENS FINANCIAL GROUP, INC. FHA mortgage Applying for a mortgage or refinancing an existing mortgage 3 1.1%
    CITIZENS FINANCIAL GROUP, INC. FHA mortgage Struggling to pay mortgage 6 2.2%
    CITIZENS FINANCIAL GROUP, INC. FHA mortgage Trouble during payment process 7 2.6%
    CITIZENS FINANCIAL GROUP, INC. Home equity loan or line of credit (HELOC) Applying for a mortgage or refinancing an existing mortgage 8 2.9%
    CITIZENS FINANCIAL GROUP, INC. Home equity loan or line of credit (HELOC) Closing on a mortgage 3 1.1%
    CITIZENS FINANCIAL GROUP, INC. Home equity loan or line of credit (HELOC) Struggling to pay mortgage 6 2.2%
    CITIZENS FINANCIAL GROUP, INC. Home equity loan or line of credit (HELOC) Trouble during payment process 20 7.3%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Applying for a mortgage or refinancing an existing mortgage 7 2.6%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Closing on a mortgage 4 1.5%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Struggling to pay mortgage 2 0.7%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Trouble during payment process 11 4.0%
    CITIZENS FINANCIAL GROUP, INC. VA mortgage Struggling to pay mortgage 3 1.1%
    CITIZENS FINANCIAL GROUP, INC. VA mortgage Trouble during payment process 4 1.5%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Citizens Federal Savings Bank 15500 State Ave Basehor, KS 66007 Full Service B&M $25,370
    Citizens Federal Savings Bank 312 South Fifth St Leavenworth, KS 66048 Full Service B&M $22,363
    Citizens Federal Savings Bank 5151 S 4th Street Trafficway Leavenworth, KS 66048 Full Service B&M $87,096

    For 2020, Citizens Savings And Loan Association Fsb had 3 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $5,347
    Net interest income $4,348
    Total noninterest income $1,409
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $136
    Trading account gains and fees $0
    Additional Noninterest Income $1,273
    Pre-tax net operating income $486
    Securities gains (or losses, -) $84
    Income before extraordinary items $444
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $444
    Minority interest net income $0
    Net income $444
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $377

    Citizens Savings And Loan Association Fsb's gross interest income from loans was $5,347,000.
    Citizens Savings And Loan Association Fsb's net interest income from loans was $4,348,000.
    Citizens Savings And Loan Association Fsb's fee based income from loans was $136,000.
    Citizens Savings And Loan Association Fsb's net income from loans was $444,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $999
    Provision for credit losses $18
    Total noninterest expense $5,253
    Salaries and employee benefits $3,314
    Premises and equipment expense $609
    Additional noninterest expense $1,330
    Applicable income taxes $126
    Net charge-offs $10
    Cash dividends $0

    Citizens Savings And Loan Association Fsb's interest expense for loans was $999,000.
    Citizens Savings And Loan Association Fsb's payroll and benefits expense were $3,314,000.
    Citizens Savings And Loan Association Fsb's property, plant and equipment expenses $609,000.

    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 $136,250
    Deposits held in domestic offices $136,250
    Deposits by Individuals, partnerships, and corporations $126,276
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $7,049
    Deposits by Commercial banks and other depository institutions in U.S. $2,925
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $45,850
    Demand deposits $361
    Nontransaction accounts $90,400
    Money market deposit accounts (MMDAs) $13,723
    Other savings deposits (excluding MMDAs) $27,781
    Total time deposits $48,896
    Total time and savings deposits $135,889
    Noninterest-bearing deposits $12,962
    Interest-bearing deposits $123,288
    Retail deposits $128,063
    IRAs and Keogh plan accounts $11,892
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $185,784
    Cash & Balances due from depository institutions $5,504
    Interest-bearing balances $3,831
    Total securities $70,060
    Federal funds sold & reverse repurchase $0
    Net loans and leases $100,386
    Loan and leases loss allowance $505
    Trading account assets $0
    Bank premises and fixed assets $1,630
    Other real estate owned $0
    Goodwill and other intangibles $45
    All other assets $8,159

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $185,784
    Total Liabilities $146,252
    Total deposits $136,250
    Interest-bearing deposits $123,288
    Deposits held in domestic offices $136,250
    % insured (estimated) $94
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $8,000
    Subordinated debt $0
    All other liabilities $2,002

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $100,386
    Loan and leases loss allowance $505
    Total loans and leases (domestic) $100,891
    All real estate loans $98,219
    Real estate loans in domestic offices $98,219
    Construction and development loans $2,802
    Residential 1-4 family construction $608
    Other construction, all land development and other land $2,194
    Loans secured by nonfarm nonresidential properties $3,816
    Nonfarm nonresidential secured by owner-occupied properties $2,794
    Commercial real estate & other non-farm, non-residential $1,022
    Multifamily residential real estate $0
    1-4 family residential loans $91,601
    Farmland loans $0
    Loans held in foreign offices $0
    Farm loans $0
    Commercial and industrial loans $1,200
    To non-U.S. addressees $0
    Loans to individuals $1,453
    Credit card loans $0
    Related Plans $0
    Consumer Auto Loans $288
    Other loans to individuals $1,165
    All other loans & leases $19
    Loans to foreign governments and official institutions $0
    Other loans $19
    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 $7
    Non 1-4 family restructured loans & leases $7
    Total loans and leases (foreign) $0

    Citizens Savings and Loan Association FSB had $100,386,000 of loans outstanding in 2020. $98,219,000 of loans were in real estate loans. $2,802,000 of loans were in development loans. $0 of loans were in multifamily mortgage loans. $91,601,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $0 of loans were in credit card loans. $288,000 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 $925 $185,000
    Nonfarm, nonresidential loans - <$100k 1 $29 $29,000
    Nonfarm, nonresidential loans - $100-250k 2 $141 $70,500
    Nonfarm, nonresidential loans - $250k-1MM 2 $755 $377,500
    Commercial & Industrial, US addressed loans - <$1MM 16 $1,200 $75,000
    Commercial & Industrial, US addressed loans - <$100k 12 $477 $39,750
    Commercial & Industrial, US addressed loans - $100-250k 3 $359 $119,667
    Commercial & Industrial, US addressed loans - $250k-1MM 1 $364 $364,000