Applications / Mortgage Analytics / Lenders / Kansas / Citizens Federal Savings Bank
Leavenworth, KS · Savings institution · OCC · $188 million assets · 58 loans in 2025
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58
loans originated, 2025
69
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Citizens Federal Savings Bank makes VA loans (guaranteed by the Department of Veterans Affairs), which similar savings institutions mostly do not.
VA loans were 17.2% of its lending in 2025. The typical similar lender, a savings institution making between half and twice as many loans, made none, and its share is higher than at all or nearly all of them. The share has fallen, from 37.3% in 2020 and 24.6% in 2024.
Low- and moderate-income (LMI) borrowers took 36.8% of its loans, against 26.1% at similar lenders, more than at about four in five. In 2020 the figure was 20.0%.
It has lent in Kansas City since at least 1990. Its share held at 0.1%, ranking it 160 of 659 lenders. Purchases made up 72.4% of its loans.
Its loan count fell 5%, from 61 to 58, while similar lenders typically grew 1%. It made 236 loans in 2020.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Federal Savings Bank took 69 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 72.4% · Refinance 15.5% · Other 6.9% · Home improvement 5.2%
Conventional 82.8% · VA 17.2% · of 58 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 | 57 | 98.3% |
| Missouri | 1 | 1.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Kansas City | 57 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300K59ORGG9RDD082 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 864378 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 44846 | 1990–2010 |
| Respondent ID (the HMDA filer code before 2018) | 1704846 | 2011–2017 |
Established 1 January 1884. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Citizens Federal Savings Bank's data.
Citizens Federal Savings Bank's data
$215
Citizens Federal Savings Bank 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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