Applications / Mortgage Analytics / Lenders / Kansas / Bison State Bank
Bison, KS · State non-member bank · FDIC · $124 million assets · 647 loans in 2025
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647
loans originated, 2025
1,117
applications, 2025
45
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Bison State Bank, a small Kansas bank, made 647 loans in 2025 across 45 states, with California its main state, up from 78 the year before.
Its originations rose 729%, against 9% at similar lenders (state non-member banks making between half and twice as many loans) and 10% for the whole market. Dollar volume rose from $28.4 million to $339.7 million. It first reported in 2023, with 93 loans. The figures here do not show what drove the jump.
It lent in 45 states and 158 metros, with California its main state, though its head office is in Kansas. Its typical loan was $495,000, against $195,000, higher than nearly all similar lenders. Purchases were 56.1% of its loans and refinances 43.9%; 8.7% were VA (guaranteed by the Department of Veterans Affairs).
Its typical rate was 6.12%, against 6.75%, lower than nine in ten similar lenders. 2.0% of its first-lien home-purchase applications and 1.7% of refinance applications were denied, against 5.3% and 13.6% at similar lenders.
7.2% of its loans went to low- and moderate-income (LMI) borrowers, against 26.4%, among the lowest in the group, down from 17.8% in 2024. Its large typical loan and its lending in California may be reasons.
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, 2023–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Bison State Bank took 1,117 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 56.1% · Refinance 43.9%
Conventional 86.4% · VA 8.7% · FHA 4.8% · USDA (RHS or FSA) 0.2% · of 647 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 |
|---|---|---|
| California | 55 | 8.5% |
| Kansas | 50 | 7.7% |
| Missouri | 49 | 7.6% |
| Texas | 47 | 7.3% |
| Washington | 43 | 6.6% |
| Florida | 41 | 6.3% |
| New Jersey | 39 | 6.0% |
| North Carolina | 32 | 4.9% |
| Virginia | 28 | 4.3% |
| Illinois | 23 | 3.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Kansas City | 69 |
| Arlington-Alexandria-Reston | 19 |
| Dallas-Plano-Irving | 17 |
| Chicago-Naperville-Schaumburg | 16 |
| St. Louis | 16 |
| Seattle-Bellevue-Kent | 14 |
| Houston-Pasadena-The Woodlands | 13 |
| Minneapolis-St. Paul-Bloomington | 13 |
| Lakewood-New Brunswick | 12 |
| Charlotte-Concord-Gastonia | 11 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300T61O0X0RJMQ375 | 2023–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 354 | 2023–2023 |
Established 1 January 1901. Reported under HMDA 2023-2025.
Mergers, name changes, data editions and corrections: Bison State Bank's data.
Bison State Bank's data
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