The Citizens National Bank
The Citizens National Bank received 45 applications in 2025 and made 41 mortgages, in 10 counties across 2 states. The median rate its borrowers got was Not published on a median loan of $75,000. Of 42 decisions, 1 were denials — 2.4%, most often for credit history.
| Legal Entity Identifier | 549300JYEEYQ3BXVCX06 |
|---|---|
| Applications received | 45 |
| Mortgages made | 41 |
| Denied | 1 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 3 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: Citizens National Bank, 13 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 24 | Not published | $110,000 | 4.0% |
| Refinancing | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Cash-out refinancing | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Other purposes | 9 | Under 10 loans | Under 10 loans | 0.0% |
Where The Citizens National Bank lends most
The 10 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Cloud County, KS | 18 | Not published | 0.0% |
| Leavenworth County, KS | 7 | Under 10 loans | 0.0% |
| Washington County, KS | 6 | Under 10 loans | 0.0% |
| Republic County, KS | 3 | Under 10 loans | 0.0% |
| Clay County, KS | 2 | Under 10 loans | 33.3% |
| Jefferson County, KS | 1 | Under 10 loans | 0.0% |
| Johnson County, KS | 1 | Under 10 loans | 0.0% |
| Mitchell County, KS | 1 | Under 10 loans | 0.0% |
| Riley County, KS | 1 | Under 10 loans | 0.0% |
| Camden County, MO | 1 | Under 10 loans | 0.0% |
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When The Citizens National Bank’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.