Citizens Bank of Kansas Mortgage Lending & HMDA Data, 2015
In 2015, Citizens Bank of Kansas of Kingman, KS reported 338 mortgage applications totaling $31.5 million, down 17% from 2014. The average application was for $93,319, and applicants reported an average income of $72,606. 65% of its applications resulted in an originated loan and 18% were denied. Its largest markets were Wichita, KS (219), Kansas City, MO-KS (7) and Manhattan, KS (2) (applications in parentheses).
| Mortgage Company & Address | Citizens Bank of Kansas 300 N Main St Kingman, KS 67068 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 |
| Total Number of Mortgage Applications | 338 |
| Total Mortgage Loan Application Amount | $31,542,000 |
| Average Mortgage Loan Application Amount | $93,319 |
| Highest Mortgage Loan Application Amount | $3,000,000 |
| Average Applicant Income | $72,606 |
| Highest Applicant Income | $466,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Citizens Bank of Kansas filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Sedgwick, Kansas | 150 | $ 16,738,000 | $ 111,586 | $ 75,000 |
| Kingman, Kansas | 49 | $ 6,324,000 | $ 129,061 | $ 94,000 |
| Cowley, Kansas | 26 | $ 1,904,000 | $ 73,230 | $ 58,000 |
| Reno, Kansas | 20 | $ 1,544,000 | $ 77,200 | $ 72,000 |
| Butler, Kansas | 16 | $ 1,457,000 | $ 91,062 | $ 68,000 |
| Barber, Kansas | 15 | $ 1,114,000 | $ 74,266 | $ 57,000 |
| Saline, Kansas | 4 | $ 137,000 | $ 34,250 | $ 77,000 |
| Sumner, Kansas | 4 | $ 309,000 | $ 77,250 | $ 98,000 |
| Ellis, Kansas | 3 | $ 98,000 | $ 32,666 | $ 54,000 |
| Ford, Kansas | 3 | $ 53,000 | $ 17,666 | $ 56,000 |
| Harper, Kansas | 3 | $ 114,000 | $ 38,000 | $ 56,000 |
| McPherson, Kansas | 3 | $ 52,000 | $ 17,333 | $ 39,000 |
| Barton, Kansas | 2 | $ 12,000 | $ 6,000 | $ 29,000 |
| Cloud, Kansas | 2 | $ 37,000 | $ 18,500 | $ 76,000 |
| Johnson, Kansas | 2 | $ 40,000 | $ 20,000 | $ 51,000 |
| Lyon, Kansas | 2 | $ 25,000 | $ 12,500 | $ 78,000 |
| Pratt, Kansas | 2 | $ 111,000 | $ 55,500 | $ 44,000 |
| Riley, Kansas | 2 | $ 174,000 | $ 87,000 | $ 83,000 |
| Russell, Kansas | 2 | $ 50,000 | $ 25,000 | $ 28,000 |
| Shawnee, Kansas | 2 | $ 275,000 | $ 137,500 | $ 90,000 |
| Stafford, Kansas | 2 | $ 67,000 | $ 33,500 | $ 53,000 |
| Jackson, Missouri | 2 | $ 39,000 | $ 19,500 | $ 74,000 |
| Kay, Oklahoma | 2 | $ 12,000 | $ 6,000 | $ 39,000 |
| Atchison, Kansas | 1 | $ 24,000 | $ 24,000 | $ 78,000 |
| Bourbon, Kansas | 1 | $ 301,000 | $ 301,000 | $ 96,000 |
| Clark, Kansas | 1 | $ 20,000 | $ 20,000 | $ 52,000 |
| Dickinson, Kansas | 1 | $ 37,000 | $ 37,000 | $ 76,000 |
| Douglas, Kansas | 1 | $ 111,000 | $ 111,000 | $ 0 |
| Finney, Kansas | 1 | $ 7,000 | $ 7,000 | $ 43,000 |
| Geary, Kansas | 1 | $ 8,000 | $ 8,000 | $ 18,000 |
| Mitchell, Kansas | 1 | $ 16,000 | $ 16,000 | $ 96,000 |
| Montgomery, Kansas | 1 | $ 59,000 | $ 59,000 | $ 44,000 |
| Norton, Kansas | 1 | $ 15,000 | $ 15,000 | $ 64,000 |
| Ottawa, Kansas | 1 | $ 9,000 | $ 9,000 | $ 65,000 |
| Rice, Kansas | 1 | $ 20,000 | $ 20,000 | $ 52,000 |
| Rooks, Kansas | 1 | $ 16,000 | $ 16,000 | $ 45,000 |
| Seward, Kansas | 1 | $ 27,000 | $ 27,000 | $ 31,000 |
| Wyandotte, Kansas | 1 | $ 10,000 | $ 10,000 | $ 135,000 |
| St. Louis, Minnesota | 1 | $ 125,000 | $ 125,000 | $ 7,000 |
| Johnson, Missouri | 1 | $ 10,000 | $ 10,000 | $ 84,000 |
| Platte, Missouri | 1 | $ 25,000 | $ 25,000 | $ 112,000 |
| Ray, Missouri | 1 | $ 9,000 | $ 9,000 | $ 69,000 |
| Webster, Missouri | 1 | $ 7,000 | $ 7,000 | $ 44,000 |
Mortgage Loan Application Detail Totals for Citizens Bank of Kansas in 2015
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Refinancing | 141 | $14,480,000 | $102,000 | $935,000 | $77,000 | $466,000 |
| Home Purchase | 105 | $15,155,000 | $144,000 | $3,000,000 | $76,000 | $466,000 |
| Home Improvement | 92 | $1,907,000 | $20,000 | $173,000 | $62,000 | $215,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 284 | $25,295,000 | $89,000 | $995,000 | $76,000 | $466,000 |
| Hispanic | 20 | $617,000 | $30,000 | $72,000 | $59,000 | $129,000 |
| Black or African American | 16 | $541,000 | $33,000 | $264,000 | $63,000 | $124,000 |
| Not Provided | 9 | $782,000 | $86,000 | $185,000 | $71,000 | $119,000 |
| Not applicable | 7 | $4,282,000 | $611,000 | $3,000,000 | $0 | $0 |
| American Indian or Alaskan Native | 2 | $25,000 | $12,000 | $16,000 | $72,000 | $101,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 334 | $31,239,000 | $93,000 | $3,000,000 | $73,000 | $466,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $303,000 | $75,000 | $110,000 | $53,000 | $75,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 220 | $24,901,000 | $113,000 | $3,000,000 | $79,000 | $466,000 |
| Application Denied By Financial Institution | 62 | $3,614,000 | $58,000 | $288,000 | $58,000 | $135,000 |
| Application Approved But Not Accepted | 45 | $1,893,000 | $42,000 | $173,000 | $64,000 | $198,000 |
| Application Withdrawn By Applicant | 11 | $1,134,000 | $103,000 | $415,000 | $75,000 | $172,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Credit History | 38 | $1,354,000 | $35,000 | $195,000 | $54,000 | $112,000 |
| Debt-To-Income Ratio | 10 | $1,237,000 | $123,000 | $229,000 | $52,000 | $135,000 |
| Collateral | 7 | $665,000 | $95,000 | $288,000 | $86,000 | $133,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $128,000 | $64,000 | $88,000 | $69,000 | $72,000 |
| Other | 2 | $99,000 | $49,000 | $79,000 | $44,000 | $54,000 |
| Employment History | 1 | $67,000 | $67,000 | $67,000 | $62,000 | $62,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Citizens Bank of Kansas's 2015 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Citizens Bank of Kansas's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Kansas, download the full spreadsheet
with aggregated HMDA statistics today.
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