Applications / Mortgage Analytics / Lenders / Kansas / Kaw Valley Bank
Topeka, KS · State non-member bank · FDIC · $322 million assets · 102 loans in 2025
Kaw Valley Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
102
loans originated, 2025
112
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Kaw Valley Bank lends heavily to low- and moderate-income (LMI) households: 41.5% of its 2025 borrowers were LMI, higher than nearly nine in ten similar banks.
Similar lenders here are state non-member banks making between half and twice as many loans. Kaw Valley placed 36.3% of its loans in LMI tracts, about double their 18.3%, and 17.6% in majority-minority tracts, higher than about seven in ten. Its LMI borrower share did fall from 56.1% in 2024, a swing a hundred-odd loans can produce.
Its typical loan of $105,000 was lower than about nine in ten similar banks, though up from $75,000. Its $15.6 million total was lower than about four in five. Purchase loans were 52.9% and refinance 38.2%, which suggests it may finance lower-priced homes in and around Topeka rather than larger properties.
It made 102 loans in both 2024 and 2025, while the typical similar bank grew 9% and the whole market 10%, so its growth was lower than about two-thirds of them. It made 140 loans in 2020. A bank of its size may simply choose to keep mortgage volume steady.
It has reported in Topeka since 1990 and ranks 21 of 236 lenders there, with 1.0% of the market, down 0.2 points, behind Capitol Federal Savings Bank and national lenders.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Kaw Valley Bank took 112 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 52.9% · Refinance 38.2% · Home improvement 6.9% · Other 2.0%
Conventional 100.0% · of 102 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 | 94 | 92.2% |
| Missouri | 7 | 6.9% |
| Nebraska | 1 | 1.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Topeka | 88 |
| Kansas City | 2 |
| Lawrence | 2 |
| Manhattan | 1 |
| St. Louis | 1 |
| Wichita | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300Z4DDTZBW3TC153 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 485456 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 39665 | 1990–2017 |
Established 22 July 1870. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Kaw Valley Bank's data.
Kaw Valley Bank's data
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Kaw Valley 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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