Applications / Mortgage Analytics / Lenders / Kansas / Bank of Commerce
Chanute, KS · State member bank · FRS · 134 loans in 2025
Bank of Commerce's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
134
loans originated, 2025
162
applications, 2025
6
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Bank of Commerce, a Kansas bank that first reported in 2024, makes the smallest typical loan among similar lenders and lends to poorer borrowers more often than most of them.
Its typical loan was $65,000, against $175,000 at similar lenders (state member banks making between half and twice as many loans). Its 134 loans put it near the middle of the group by count, but its $23.0 million was lower than at about four in five by dollars. Home-improvement loans and manufactured homes, 9.7% and 5.2% of its lending, may account for part of the gap.
Low- and moderate-income (LMI) borrowers took 39.4% of its loans, up from 23.9% in 2024. That is higher than at nearly nine in ten similar lenders, whose typical share was 27.2%.
It made 136 loans in 2024 and 134 in 2025, while similar lenders grew 8% and the whole market 10%. Two years of reports are too few to show a trend. It ranks 39 of 398 lenders in non-metro Kansas, and in 2025 it first lent in non-metro Missouri, Oklahoma City and Lawrence, KS, each on a small scale.
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, 2024–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Bank of Commerce took 162 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 48.5% · Refinance 39.6% · Home improvement 9.7% · Other 2.2%
Conventional 100.0% · of 134 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 | 120 | 89.6% |
| Missouri | 6 | 4.5% |
| Oklahoma | 4 | 3.0% |
| Texas | 2 | 1.5% |
| Florida | 1 | 0.7% |
| Nebraska | 1 | 0.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Wichita | 11 |
| Kansas City | 5 |
| Joplin | 3 |
| Lawrence | 1 |
| Naples-Marco Island | 1 |
| Oklahoma City | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900R7H27ZMB7IRC26 | 2024–2025 |
Established 2 May 1985. Reported under HMDA 2024-2025.
Mergers, name changes, data editions and corrections: Bank of Commerce's data.
Bank of Commerce's data
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Bank of Commerce 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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