We will not be open Wednesday, June 19th. Our Digital Banking and ATMs are always available. Have a safe & pleasant holiday!

Mortgages

Personal, Local Home Loans

We take a personal approach to mortgage lending, offering superior service and competitive rates with a product that suits your needs. More importantly, we take care of your loan right in your neighborhood branch, so you never have to call an 800 number or listen to a recording to talk to someone about your mortgage loan.

Bottom line: local decision making, local underwriting, and local servicing.

Our mortgage lenders will help you choose the right loan for your situation:

Conventional loans

Conventional loans are loans that are not insured or guaranteed by the government. Down payments can start as low as 3%. These loans can be for a primary residence, second home or even investment property. Rules and restrictions related to each of those types. Conventional loans require private mortgage insurance (PMI) if the down payment is less than 20%.

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Federal Housing Administration (FHA) loans

Veterans Administration (VA) loans are designed for Individuals who have been in the military or are a surviving spouse of veteran who passed away due to service-connected disabilities. VA loans require no down payment and must be used on a primary residence property.  VA loans can be used multiple times. They can also be used to purchase or refinance a property. VA loans may require a funding fee as a part of the costs for the loan paid to the Veterans Administration.

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Veterans Administration (VA) loans

Veterans Administration (VA) loans are designed for Individuals who have been in the military or are a surviving spouse of veteran who passed away due to service-connected disabilities. VA loans require no down payment and must be used on a primary residence property.  VA loans can be used multiple times. They can also be used to purchase or refinance a property. VA loans may require a funding fee as a part of the costs for the loan paid to the Veterans Administration.

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USDA/rural housing loans

USDA/rural housing loans are used to purchase homes in eligible rural areas, towns and cities outside of metro areas. USDA loans require no down payment. These loans are eligible for households that do not exceed 115% of the area median household income. USDA loans include a guarantee fee paid to USDA for guaranteeing the loan.

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All mortgage loans are offered on a fixed rate, fixed term plan. Check with our mortgage lenders for current interest rates. They will help you make the right choice for you and your family.

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Mortgage Rates

Comparison table of Mortgage Rates
Program Interest Rate APR*
30 Year Fixed 6.625% 6.702%
20 Year Fixed 6.250% 6.348%
15 Year Fixed 6.250% 6.373%
FHA 30 Year Fixed 6.375% 6.552%
VA 30 Year Fixed 6.500% 6.699%
Rural Development Fixed 6.500% 6.637%

Our Mortgage Lenders

Shannon Beal
Shannon Beal Community Bank President/Mortgage Loan Officer 316.321.1500 El Dorado NMLS ID: 1970966
Leesa Beam
Leesa Beam Senior Branch Manager/Mortgage Loan Officer 620.532.5162 Kingman NMLS ID: 1722402
Ben Drouhard
Ben Drouhard Community Bank President/Senior Real Estate Lender 316.684.2265 Wichita - East NMLS ID: 458605
Brenda Knipfer
Brenda Knipfer Mortgage Manager 316.788.8600 Derby - Buckner NMLS ID: 603200
Stephanie Schwilling
Stephanie Schwilling Senior Branch Manager/Mortgage Loan Officer 620.221.4230 Winfield NMLS ID: 338276
Dan Wharton
Dan Wharton Branch Manager/Mortgage Loan Officer 316.729.8800 Wichita - West NMLS ID: 744158

Loan Calculator

Home Affordability Calculator

We love the hometown feel at CBK; knowing that these friends are watching our accounts gives me total peace of mind.  The mortgage department of Citizens Bank of Kansas is top tier.   Brenda Knipfer in the mortgage department is top tier and goes above and beyond to serve her customers.  Being an entrepreneur, as need another account, Brock Stuhlsatz has helped me, collecting information, with everything ready to sign when I arrive.  I wouldn’t do business anywhere else but CBK!

Photo of Jean Garinger of American Family Insurance

Our Cedar Ranch Estates partners had an idea for a new large lot housing development for Derby. Being a local Derby business, we felt that it was important to partner with a bank with strong ties in our community. CBK has those ties. CBK has been instrumental in Cedar Ranch Estates’ success through competitive commercial loan rates for land purchases and letters of credit. We appreciate CBK’s creative help with our borrowing needs and continued support as Cedar Ranch Estates expands into Phase 2 of our development. We love the local access to CBK and will continue to use their services and expertise as our business continues to grow.

Cedar Ranch
My CBK Story

Banking isn't a money business... it's a people business. OUR HISTORY

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