The Citizens State Bank Mortgage Rates, Fees & Info

Moundridge, KS

LEI: 549300NBFJM2PBH24L77

Tax ID: 48-0169210

Latest/2024 | 2023 Data | 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
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Review & Overview

    The Citizens State Bank is a smaller bank specializing in Home Purchase loans. The Citizens State Bank has a high proportion of conventional loans. Their top markets by origination volume include: Wichita, Mcpherson, Hutchinson, and Salina among others. We have data for 5 markets. (Some data included below & more in-depth data is available with an active subscription.)

    The Citizens State Bank has an above average approval rate when compared to the average across all lenders. They have an above 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

    96

    Origination Dollar Volume (All Markets)

    $15,440,000

    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) 49 $8,685,000 $177,245 $0 0.00%
    McPherson, KS (FHA|USDA|VA) 28 $3,560,000 $127,143 $0 0.00%
    Outside of Metro Areas 15 $2,475,000 $165,000 $0 0.00%
    Hutchinson, KS (FHA|USDA|VA) 2 $490,000 $245,000 $0 0.00%
    Salina, KS (FHA|USDA|VA) 2 $230,000 $115,000 $0 0.00%
    The Citizens State Bank's top markets include Wichita, Mcpherson, Hutchinson, and Salina among others.

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

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 96 $15,440,000 $160,833 $0 0.00%

    For 2024, The Citizens State Bank's most frequently originated type of loan was Conventional, with 96 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 73 $13,535,000 $185,411 $0 0.00%
    Other 12 $950,000 $79,167 $0 0.00%
    Refi 6 $560,000 $93,333 $0 0.00%
    Cash Out Refi 5 $395,000 $79,000 $0 0.00%

    For 2024, The Citizens State Bank's most frequently cited loan purpose was Home Purchase, with 73 originations. The 2nd most popular reason was Other, with 12 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 96 $15,440,000 $160,833 $0 0.00%

    For 2024, The Citizens State Bank's most frequently cited loan duration was Other, with 96 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 38 $5,520,000 $145,263 $0 0.00%
    $100,000 or less 31 $1,685,000 $54,355 $0 0.00%
    $200k-400k 24 $6,760,000 $281,667 $0 0.00%
    $400k-600k 2 $870,000 $435,000 $0 0.00%
    $600k-1MM 1 $605,000 $605,000 $0 0.00%

    2024 saw The Citizens State Bank place emphasis on $100k-200k loans with 38 originations, totaling $5,520,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 25 $4,255,000 $170,200 $0 0.00%
    $50k-75k 20 $2,500,000 $125,000 $0 0.00%
    $50k or less 15 $1,285,000 $85,667 $0 0.00%
    $150k-250k 14 $3,310,000 $236,429 $0 0.00%
    $75k-100k 13 $1,875,000 $144,231 $0 0.00%
    $250k+ 4 $1,250,000 $312,500 $0 0.00%

    The Citizens State Bank lent most frequently to those with incomes in the $100k-150k range, with 25 originations. The second most popular income band? $50k-75k, with 20 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 96 $15,440,000 $160,833 $0 0.00%

    The Citizens State Bank lent most frequently to those with DTI ratios of Exempt%, with 96 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 87 $13,705,000 $157,529 $0 0.00%
    Not applicable 5 $965,000 $193,000 $0 0.00%
    Asian 2 $350,000 $175,000 $0 0.00%
    Black 1 $285,000 $285,000 $0 0.00%
    American Indian 1 $135,000 $135,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    95.28%

    The Citizens State Bank 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
    94.79%

    The Citizens State Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 96 $15,440,000 $160,833

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    96 $15,440,000 $160,833