Applications / Mortgage Analytics / Lenders / Kansas / Gnbank
Girard, KS · National bank · OCC · $1.0 billion assets · 185 loans in 2025
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185
loans originated, 2025
259
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Gnbank, a Kansas bank, makes rural government-backed loans that similar lenders almost never make, and ranks 27 of 398 lenders in non-metro Kansas. Its loans rose 6% to 185 in 2025.
Loans guaranteed by the Department of Agriculture's Rural Housing Service (RHS) were 3.8% of its lending, up from 2.9%. At the typical similar lender (national banks making between half and twice as many loans) the share was 0.0%, so it is higher than nearly all of them. Manufactured homes, at 3.8%, also took a bigger share than at its peers, where it was 1.8%.
Its typical loan was $115,000, against $190,000 at similar lenders. Poorer neighborhoods (low- and moderate-income, or LMI, areas) took 22.8% of its loans, against 15.5%, higher than at about three in four peers. LMI borrowers took 29.4%, against 25.0%.
It has lent in non-metro Kansas since 2004. In Lawrence its share rose 0.4 points to 0.4%, ranking it 52 of 222, and in Joplin it rose 0.2 points to 0.2%. At this size, a handful of loans either way could account for such moves.
Its loans rose 6%, a little faster than the 4% at similar lenders but slower than the whole market's 10%. It made 312 loans in 2021 and 175 in 2024 before this rise. It filed no report for 2020.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Gnbank took 259 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 47.0% · Refinance 35.1% · Other 10.3% · Home improvement 7.6%
Conventional 96.2% · USDA (RHS or FSA) 3.8% · of 185 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 | 159 | 85.9% |
| Colorado | 13 | 7.0% |
| Missouri | 9 | 4.9% |
| Nebraska | 2 | 1.1% |
| Utah | 1 | 0.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Kansas City | 14 |
| Topeka | 12 |
| Joplin | 8 |
| Lawrence | 4 |
| Wichita | 2 |
| Manhattan | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300QUH5S3VFIWMU57 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 928056 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 113347 | 2004–2017 |
Established 1 July 1929. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: Gnbank's data.
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