Growing fast
Its loans rose to 166 from 110, faster than at about nine in ten similar lenders (state member banks making between half and twice as many loans), whose typical growth was 8%. The amount it lent rose to $30.9 million from $20.6 million.
Applications / Mortgage Analytics / Lenders / Kansas / KAW Valley State Bank and Trust Company
KAW Valley State Bank and Trust Company
Wamego, KS · State member bank · FRS · $306 million assets · 166 loans in 2025
KAW Valley State Bank and Trust Company's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
166
loans originated, 2025
174
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
KAW Valley State Bank and Trust Company, a small Kansas bank, made 51% more loans in 2025 than in 2024 and ranks 11 of 209 lenders in Manhattan, KS, its largest market.
Gaining ground in Manhattan
In Manhattan, KS, where it has lent since 2009, its share rose to 2.7% from 2.1%. Mortgage Research Center ranks first there, followed by Community First National Bank. In Topeka, KS its share rose to 0.7% from 0.6%, and it ranks 31 of 236.
Modest loans, all conventional
Purchases made up 48.8% of its lending and refinances 38.6%. Every loan was conventional. Its typical loan was $155,000, against $185,000 at similar lenders.
Lending to poorer borrowers
Low- and moderate-income (LMI) borrowers took 31.8% of its loans, against 27.7% at similar lenders, more than at about two-thirds of them.
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
166 loans in 2025, against a peak of 217 in 2020.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. KAW Valley State Bank and Trust Company took 174 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
48.8% of its 2025 loans were purchase loans; all were conventional loans.
Purchase 48.8% · Refinance 38.6% · Other 6.6% · Home improvement 6.0%
Conventional 100.0% · of 166 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
1 state, 3 metros, 18 counties
| State | Loans | Share |
|---|---|---|
| Kansas | 166 | 100.0% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Manhattan | 91 |
| Topeka | 34 |
| Wichita | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900N10G1D8QK8M334 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 368951 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 2368951 | 2009–2017 |
Established 3 March 1913. Reported under HMDA 2009-2025.
Mergers, name changes, data editions and corrections: KAW Valley State Bank and Trust Company's data.
The data and the software behind these pages
KAW Valley State Bank and Trust Company's data
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