Citizens Bank in Kansas vs the state
5.3%Denial rate-9.77 pts vs state
6.3%Decision denial rate-12.03 pts vs state
79.0%Origination rate+15.13 pts vs state
6.50%Median rate-0.13 pts vs state
0.23Rate spread (pts)-0.07 pts vs state
$130kMedian applicant income
15Loans originated
1Denied
Trend in Kansas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 38 | 30 | 18.4% | 6.38% | #225 |
| 2024 | 14 | 8 | 21.4% | 6.75% | #309 |
| 2025 | 19 | 15 | 5.3% | 6.50% | #303 |
What Citizens Bank lends in Kansas
By loan purpose
By loan type
Why it denied Kansas applicants
Where in Kansas
Counties with the most Citizens Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Johnson County | 6 | 6 | 0 | 0.0% |
| Shawnee County | 3 | 3 | 0 | 0.0% |
| Leavenworth County | 2 | 1 | 0 | 0.0% |
| Saline County | 2 | 1 | 1 | 50.0% |
| Sedgwick County | 2 | 1 | 0 | 0.0% |
| Jefferson County | 1 | 1 | 0 | 0.0% |
| Riley County | 1 | 0 | 0 | 0.0% |
| Republic County | 1 | 1 | 0 | 0.0% |
| Wyandotte County | 1 | 1 | 0 | 0.0% |
Other large lenders in Kansas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 5,303 | 18.0% | 6.63% |
| Communityamerica Credit Union | B | 3,575 | 12.4% | 6.38% |
| United Shore Financial Services | B | 2,545 | 11.4% | 6.38% |
| Mortgage Research Center | C | 2,389 | 15.1% | 6.25% |
| Fairway Independent Mortgage | B | 2,360 | 2.0% | 6.63% |
| Pennymac Loan Services | C | 2,103 | 10.8% | 6.49% |
| Credit Union of America | C | 1,940 | 22.9% | 7.75% |
| Capitol Federal Savings Bank | B | 1,873 | 12.6% | 6.75% |
| Guild Mortgage | A | 1,549 | 3.6% | 6.63% |
| U.S. Bank | D | 1,534 | 31.4% | 7.28% |
Frequently asked questions
Kansas: 19 applications in 2025, of which 15 were originated and 1 denied.
5.3% of all applications, or 6.3% of the applications it actually decided on. The Kansas statewide average across all lenders was 15.0%.
The median rate on loans Citizens Bank originated in Kansas in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Citizens Bank's own HMDA filing for properties located in Kansas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology