Applications / Mortgage Analytics / Lenders / Kansas / Citizens Bank of Kansas
Kingman, KS · State member bank · FRS · $528 million assets · 122 loans in 2025
Citizens Bank of Kansas's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
122
loans originated, 2025
168
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Citizens Bank of Kansas lent to low- and moderate-income borrowers more often than about two-thirds of similar lenders in 2025, with volume up 9% but well under its 2020 level.
Of its loans, 31.7% went to LMI (low- and moderate-income) borrowers, up from 20.9% five years before and higher than about two-thirds of similar lenders (state member banks making between half and twice as many loans). Only 13.1% were in LMI neighbourhoods, against 16.4% for peers. Its 13 counties, many outside metro areas, may hold few such neighbourhoods.
It made 122 loans, up 9%, in line with the 8% rise among similar lenders and 10% for the whole market, but well under the 277 of 2020. Its typical loan, $155,000, is smaller than the $175,000 of peers.
In Wichita it ranks 34 of 367 lenders with 0.7% of lending, up 0.2 points, far behind Peoples Bank and Trust Company. Verus Bank, merged in 2019, counts in these figures.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Citizens Bank of Kansas took 168 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 63.1% · Refinance 30.3% · Home improvement 4.1% · Other 2.5%
Conventional 96.7% · USDA (RHS or FSA) 3.3% · of 122 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Kansas | 122 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Wichita | 71 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300C4ZH7G6OB81F33 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 1014853 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 13509 | 2002–2012 |
| Respondent ID (the HMDA filer code before 2018) | 21014853 | 2013–2017 |
Established 14 May 1886. Reported under HMDA 2002-2025.
Mergers, name changes, data editions and corrections: Citizens Bank of Kansas's data.
Citizens Bank of Kansas's data
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Citizens Bank of Kansas and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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