Applications / Mortgage Analytics / Lenders / Kansas / Bendena State Bank
Bendena, KS · State non-member bank · FDIC · $131 million assets · 43 loans in 2025
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43
loans originated, 2025
57
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Bendena State Bank is a small, refinance-focused Kansas lender, with 72.1% of its 43 loans in 2025 for refinancing, and its St. Joseph share doubled from 0.5% to 1.1%.
Similar lenders are state non-member banks making between half and twice as many loans. Bendena's typical loan of $105,000 was smaller than at more than four in five of them (their typical loan: $165,000), and its $5.7 million in total lending was among the lowest tenth. Lower home prices in its mainly rural Kansas markets may be one reason, as may manufactured homes, 11.6% of its loans against 2.6%.
It ranks 19 of 186 in St. Joseph, competing with Fairway Independent Mortgage and The Nodaway Valley Bank. Its originations rose 16%, faster than the 2% of similar lenders.
LMI (low- and moderate-income) borrowers took 11.4% of its loans, down from 40.6% and lower than more than four in five similar lenders. On 43 loans a few borrowers move that share a long way. 4.8% of loans were in LMI areas, which may reflect how few such areas its six counties contain.
It filed no HMDA report for 2020 to 2022, gaps in the record rather than years without lending; it reported 38 loans in 2019 and 39 in 2023.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Bendena State Bank took 57 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 72.1% · Other 16.3% · Purchase 9.3% · Home improvement 2.3%
Conventional 100.0% · of 43 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 | 42 | 97.7% |
| Missouri | 1 | 2.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| St. Joseph | 35 |
| Topeka | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 2549003L98A6Z3YX9T46 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 1008151 | 2012–2023 |
| Respondent ID (the HMDA filer code before 2018) | 317410 | 2012–2017 |
Established 1 January 1904. Reported under HMDA 2012-2025.
Mergers, name changes, data editions and corrections: Bendena State Bank's data.
Bendena State Bank's data
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Bendena State 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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