The Citizens State Bank in Kansas vs the state
3.3%Denial rate-11.73 pts vs state
3.3%Decision denial rate-14.95 pts vs state
87.9%Origination rate+24.09 pts vs state
—Median rate
—Rate spread (pts)
$78kMedian applicant income
80Loans originated
3Denied
Trend in Kansas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 104 | 97 | 3.9% | — | #142 |
| 2024 | 106 | 96 | 4.7% | — | #146 |
| 2025 | 91 | 80 | 3.3% | — | #174 |
What The Citizens State Bank lends in Kansas
By loan purpose
By loan type
Where in Kansas
Counties with the most The Citizens State Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harvey County | 45 | 36 | 2 | 4.4% |
| McPherson County | 21 | 21 | 0 | 0.0% |
| Marion County | 15 | 14 | 1 | 6.7% |
| Sedgwick County | 3 | 2 | 0 | 0.0% |
| Butler County | 2 | 2 | 0 | 0.0% |
| Saline County | 1 | 1 | 0 | 0.0% |
| Reno County | 1 | 1 | 0 | 0.0% |
| Leavenworth County | 1 | 1 | 0 | 0.0% |
| Ottawa County | 1 | 1 | 0 | 0.0% |
| Rice 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: 91 applications in 2025, of which 80 were originated and 3 denied.
3.3% of all applications, or 3.3% 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 The Citizens State 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