Citizens Bank of Kansas in Kansas vs the state
11.9%Denial rate-3.13 pts vs state
12.7%Decision denial rate-5.54 pts vs state
72.6%Origination rate+8.80 pts vs state
—Median rate
—Rate spread (pts)
$92kMedian applicant income
122Loans originated
20Denied
Trend in Kansas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 138 | 99 | 15.2% | — | #107 |
| 2024 | 144 | 107 | 13.9% | — | #120 |
| 2025 | 168 | 122 | 11.9% | — | #117 |
What Citizens Bank of Kansas lends in Kansas
By loan purpose
By loan type
Where in Kansas
Counties with the most Citizens Bank of Kansas applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Sedgwick County | 68 | 52 | 6 | 8.8% |
| Cowley County | 22 | 16 | 3 | 13.6% |
| Butler County | 22 | 16 | 1 | 4.5% |
| Kingman County | 18 | 13 | 4 | 22.2% |
| Barber County | 10 | 9 | 1 | 10.0% |
| Reno County | 9 | 4 | 2 | 22.2% |
| Harper County | 5 | 4 | 0 | 0.0% |
| Sumner County | 3 | 2 | 1 | 33.3% |
| Harvey County | 2 | 1 | 0 | 0.0% |
| Pratt County | 2 | 2 | 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: 168 applications in 2025, of which 122 were originated and 20 denied.
11.9% of all applications, or 12.7% of the applications it actually decided on. The Kansas statewide average across all lenders was 15.0%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Citizens Bank of Kansas'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