A top-ten lender in Topeka
It ranked 10 of 236 lenders in Topeka, where it has lent since 2000, and its share rose 0.2 points to 2.5%. Elsewhere it is a minor presence: it ranked 450 of 659 in Kansas City.
Applications / Mortgage Analytics / Lenders / Kansas / Community Bank
Community Bank
Topeka, KS · State member bank · FRS · $188 million assets · 117 loans in 2025
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117
loans originated, 2025
126
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Community Bank is a top-ten mortgage lender in Topeka, where its share edged up in 2025, but it makes about a third as many loans as it did in 2020.
Fewer refinances, fewer loans
Originations rose 4% to 117, against 8% for similar lenders (state member banks making between half and twice as many loans) and 10% for the whole market. The bank made 330 loans in 2020 and 263 in 2021, and has made between 113 and 117 a year since 2023. Fewer refinances could account for much of the drop.
Plain conventional lending
Purchases made up 48.7% of its loans and refinances 45.3%. Every loan was conventional, with none backed by a government agency. Its typical loan, $185,000, was a little larger than peers' $175,000.
Close to peers in poorer areas
Low- and moderate-income (LMI) neighborhoods took 16.2% of its loans, against 16.5% at peers, and majority-minority areas 5.1%, against 5.3%. Both shares fell from 27.9% and 12.4% a year earlier. At about 117 loans a year, a handful of loans can move them, and the change may reflect where its borrowers happened to buy or refinance.
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
117 loans in 2025, against a peak of 330 in 2020.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Community Bank took 126 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
48.7% of its 2025 loans were purchase loans; all were conventional loans.
Purchase 48.7% · Refinance 45.3% · Other 3.4% · Home improvement 2.6%
Conventional 100.0% · of 117 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
2 states, 4 metros, 8 counties
| State | Loans | Share |
|---|---|---|
| Kansas | 114 | 97.4% |
| Missouri | 3 | 2.6% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Topeka | 110 |
| Kansas City | 2 |
| Columbia | 1 |
| Manhattan | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900R028OZZTTP5D53 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 2304636 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 122799 | 2000–2009 |
| Respondent ID (the HMDA filer code before 2018) | 22304636 | 2010–2017 |
Established 22 May 1995. Reported under HMDA 2000-2025.
Mergers, name changes, data editions and corrections: Community Bank's data.
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