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

Jump to:

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, Topeka, Lawrence, and Atchison 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.

    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.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.


    Originations

    197

    Origination Dollar Volume (All Markets)

    $47,825,000

    Employee count

    34

    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) 192 $46,770,000 $243,594 $0 0.00%
    TOPEKA, KS (FHA|USDA|VA) 3 $445,000 $148,333 $0 0.00%
    LAWRENCE, KS (FHA|USDA|VA) 1 $405,000 $405,000 $0 0.00%
    Atchison, KS (FHA|USDA|VA) 1 $205,000 $205,000 $0 0.00%
    Citizens Savings And Loan Association Fsb's top markets include Kansas City, Topeka, Lawrence, 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.

    MAINSTREET FEDERAL CREDIT UNION
    Similarity Rank: 426
    FRONTIER COMMUNITY CREDIT UNION
    Similarity Rank: 693
    CoreFirst Bank & Trust
    Similarity Rank: 759
    UNITED CONSUMERS CREDIT UNION
    Similarity Rank: 1062
    Truity Federal Credit Union
    Similarity Rank: 1274
    U S WIDE FINANCIAL LLC
    Similarity Rank: 1428
    Central National Bank
    Similarity Rank: 1782
    Union Bank and Trust Company
    Similarity Rank: 1862
    Envista Credit Union
    Similarity Rank: 2370
    Hawthorn Bank
    Similarity Rank: 2600

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 127 $26,905,000 $211,850 $0 0.00%
    VA 70 $20,920,000 $298,857 $0 0.00%

    For 2021, Citizens Savings And Loan Association Fsb's most frequently originated type of loan was Conventional, with 127 originations. Their 2nd most popular type was VA, with 70 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 91 $26,675,000 $293,132 $0 0.00%
    Refi 62 $13,350,000 $215,323 $0 0.00%
    Cash Out Refi 27 $4,635,000 $171,667 $0 0.00%
    Other 15 $2,735,000 $182,333 $0 0.00%
    Home Improvement 2 $430,000 $215,000 $0 0.00%

    For 2021, Citizens Savings And Loan Association Fsb's most frequently cited loan purpose was Home Purchase, with 91 originations. The 2nd most popular reason was Refi, with 62 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 197 $47,825,000 $242,766 $0 0.00%

    For 2021, Citizens Savings And Loan Association Fsb's most frequently cited loan duration was Other, with 197 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 92 $26,450,000 $287,500 $0 0.00%
    $100k-200k 67 $10,065,000 $150,224 $0 0.00%
    $100,000 or less 19 $1,255,000 $66,053 $0 0.00%
    $400k-600k 13 $5,605,000 $431,154 $0 0.00%
    $600k-1MM 5 $3,415,000 $683,000 $0 0.00%
    $1MM+ 1 $1,035,000 $1,035,000 $0 0.00%

    2021 saw Citizens Savings And Loan Association Fsb place emphasis on $200k-400k loans with 92 originations, totaling $26,450,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 55 $15,245,000 $277,182 $0 0.00%
    $150k-250k 46 $12,810,000 $278,478 $0 0.00%
    $75k-100k 36 $7,910,000 $219,722 $0 0.00%
    $50k-75k 31 $5,455,000 $175,968 $0 0.00%
    $50k or less 13 $1,335,000 $102,692 $0 0.00%
    $250k+ 11 $3,025,000 $275,000 $0 0.00%

    Citizens Savings And Loan Association Fsb lent most frequently to those with incomes in the $100k-150k range, with 55 originations. The second most popular income band? $150k-250k, with 46 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 197 $47,825,000 $242,766 $0 0.00%

    Citizens Savings And Loan Association Fsb lent most frequently to those with DTI ratios of Exempt%, with 197 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 162 $38,260,000 $236,173 $0 0.00%
    Not provided 22 $5,200,000 $236,364 $0 0.00%
    Asian 5 $1,785,000 $357,000 $0 0.00%
    Black 5 $1,095,000 $219,000 $0 0.00%
    Not applicable 1 $1,035,000 $1,035,000 $0 0.00%
    American Indian 2 $450,000 $225,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    96.97%

    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
    85.79%

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

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 197 $47,825,000 $242,766

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    197 $47,825,000 $242,766

    Complaints

    Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 54 15.6%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Closing on a mortgage 22 6.3%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Improper use of your report 1 0.3%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Incorrect information on your report 6 1.7%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Problem with a credit reporting company's investigation into an existing problem 3 0.9%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Struggling to pay mortgage 27 7.8%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Trouble during payment process 116 33.4%
    CITIZENS FINANCIAL GROUP, INC. FHA mortgage Applying for a mortgage or refinancing an existing mortgage 7 2.0%
    CITIZENS FINANCIAL GROUP, INC. FHA mortgage Closing on a mortgage 4 1.2%
    CITIZENS FINANCIAL GROUP, INC. FHA mortgage Struggling to pay mortgage 15 4.3%
    CITIZENS FINANCIAL GROUP, INC. FHA mortgage Trouble during payment process 19 5.5%
    CITIZENS FINANCIAL GROUP, INC. Home equity loan or line of credit (HELOC) Applying for a mortgage or refinancing an existing mortgage 7 2.0%
    CITIZENS FINANCIAL GROUP, INC. Home equity loan or line of credit (HELOC) Closing on a mortgage 4 1.2%
    CITIZENS FINANCIAL GROUP, INC. Home equity loan or line of credit (HELOC) Incorrect information on your report 2 0.6%
    CITIZENS FINANCIAL GROUP, INC. Home equity loan or line of credit (HELOC) Struggling to pay mortgage 2 0.6%
    CITIZENS FINANCIAL GROUP, INC. Home equity loan or line of credit (HELOC) Trouble during payment process 27 7.8%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Applying for a mortgage or refinancing an existing mortgage 5 1.4%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Closing on a mortgage 3 0.9%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Improper use of your report 1 0.3%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Incorrect information on your report 1 0.3%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Struggling to pay mortgage 3 0.9%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Trouble during payment process 13 3.7%
    CITIZENS FINANCIAL GROUP, INC. VA mortgage Struggling to pay mortgage 2 0.6%
    CITIZENS FINANCIAL GROUP, INC. VA mortgage Trouble during payment process 3 0.9%

    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 $30,603
    Citizens Federal Savings Bank 312 South Fifth St Leavenworth, KS 66048 Full Service B&M $24,619
    Citizens Federal Savings Bank 5151 S 4th Street Trafficway Leavenworth, KS 66048 Full Service B&M $87,439

    For 2021, Citizens Savings And Loan Association Fsb had 3 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $5,177
    Net interest income $4,463
    Total noninterest income $1,138
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $108
    Trading account gains and fees $0
    Additional Noninterest Income $1,030
    Pre-tax net operating income $120
    Securities gains (or losses, -) $101
    Income before extraordinary items $542
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $542
    Minority interest net income $0
    Net income $542
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $441

    Citizens Savings And Loan Association Fsb's gross interest income from loans was $5,177,000.
    Citizens Savings And Loan Association Fsb's net interest income from loans was $4,463,000.
    Citizens Savings And Loan Association Fsb's fee based income from loans was $108,000.
    Citizens Savings And Loan Association Fsb's net income from loans was $542,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $714
    Provision for credit losses $-6
    Total noninterest expense $5,487
    Salaries and employee benefits $3,573
    Premises and equipment expense $553
    Additional noninterest expense $1,361
    Applicable income taxes $-321
    Net charge-offs $8
    Cash dividends $0

    Citizens Savings And Loan Association Fsb's interest expense for loans was $714,000.
    Citizens Savings And Loan Association Fsb's payroll and benefits expense were $3,573,000.
    Citizens Savings And Loan Association Fsb's property, plant and equipment expenses $553,000.

    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 $142,761
    Deposits held in domestic offices $142,761
    Deposits by Individuals, partnerships, and corporations $135,628
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $4,453
    Deposits by Commercial banks and other depository institutions in U.S. $2,680
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $52,765
    Demand deposits $604
    Nontransaction accounts $89,996
    Money market deposit accounts (MMDAs) $15,465
    Other savings deposits (excluding MMDAs) $28,731
    Total time deposits $45,800
    Total time and savings deposits $142,157
    Noninterest-bearing deposits $14,645
    Interest-bearing deposits $128,116
    Retail deposits $136,483
    IRAs and Keogh plan accounts $9,959
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $192,285
    Cash & Balances due from depository institutions $1,923
    Interest-bearing balances $721
    Total securities $67,469
    Federal funds sold & reverse repurchase $0
    Net loans and leases $111,953
    Loan and leases loss allowance $490
    Trading account assets $0
    Bank premises and fixed assets $1,527
    Other real estate owned $0
    Goodwill and other intangibles $38
    All other assets $9,375

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $192,285
    Total Liabilities $152,906
    Total deposits $142,761
    Interest-bearing deposits $128,116
    Deposits held in domestic offices $142,761
    % insured (estimated) $95
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $8,600
    Subordinated debt $0
    All other liabilities $1,545

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $111,953
    Loan and leases loss allowance $490
    Total loans and leases (domestic) $112,443
    All real estate loans $105,002
    Real estate loans in domestic offices $105,002
    Construction and development loans $3,364
    Residential 1-4 family construction $481
    Other construction, all land development and other land $2,883
    Loans secured by nonfarm nonresidential properties $3,409
    Nonfarm nonresidential secured by owner-occupied properties $2,427
    Commercial real estate & other non-farm, non-residential $982
    Multifamily residential real estate $1,027
    1-4 family residential loans $97,202
    Farmland loans $0
    Loans held in foreign offices $0
    Farm loans $0
    Commercial and industrial loans $1,407
    To non-U.S. addressees $0
    Loans to individuals $5,994
    Credit card loans $0
    Related Plans $0
    Consumer Auto Loans $432
    Other loans to individuals $5,562
    All other loans & leases $40
    Loans to foreign governments and official institutions $0
    Other loans $40
    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 $0
    Non 1-4 family restructured loans & leases $0
    Total loans and leases (foreign) $0

    Citizens Savings and Loan Association FSB had $111,953,000 of loans outstanding in 2021. $105,002,000 of loans were in real estate loans. $3,364,000 of loans were in development loans. $1,027,000 of loans were in multifamily mortgage loans. $97,202,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $0 of loans were in credit card loans. $432,000 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 $723 $144,600
    Nonfarm, nonresidential loans - <$100k 1 $25 $25,000
    Nonfarm, nonresidential loans - $100-250k 2 $128 $64,000
    Nonfarm, nonresidential loans - $250k-1MM 2 $570 $285,000
    Commercial & Industrial, US addressed loans - <$1MM 12 $1,407 $117,250
    Commercial & Industrial, US addressed loans - <$100k 6 $236 $39,333
    Commercial & Industrial, US addressed loans - $100-250k 4 $590 $147,500
    Commercial & Industrial, US addressed loans - $250k-1MM 2 $581 $290,500