Applications / Mortgage Analytics / Lenders / Kansas / KS StateBank
Manhattan, KS · State non-member bank · FDIC · $2.6 billion assets · 313 loans in 2025
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313
loans originated, 2025
367
applications, 2025
19
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
KS StateBank made 4,762 loans in 2020, many of them for veterans; it now makes about three hundred a year, all conventional, though in 2025 it grew and won share in its home town of Manhattan.
In 2020, 41.9% of its loans were guaranteed by the Department of Veterans Affairs (VA). Its volume then fell to 772 loans in 2022 and 259 in 2024, and in 2025 it made no VA loans at all. The end of the low-rate years, when its typical rate was 3.00%, may explain much of the fall, as may its retreat from VA lending.
It made 313 loans, up 21%, while similar lenders (state non-member banks making between half and twice as many loans) grew 8%. In Manhattan, KS its share rose to 2.4% from 1.4%, ranking it 13 of 209 lenders.
Low- and moderate-income (LMI) neighborhoods took 43.7% of its loans, against 16.6% at similar lenders, higher than almost all of them. Majority-minority neighborhoods took 31.0%, against 6.5%. Its share to LMI borrowers was lower than peers', at 21.3% against 28.4%, though it more than doubled from 9.2%. That may reflect the borrowers in the many markets it serves, across 19 states.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. KS StateBank took 367 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 47.0% · Refinance 41.2% · Home improvement 11.8%
Conventional 100.0% · of 313 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 | 184 | 58.8% |
| Arizona | 64 | 20.4% |
| Missouri | 25 | 8.0% |
| Indiana | 7 | 2.2% |
| Ohio | 6 | 1.9% |
| California | 5 | 1.6% |
| Wisconsin | 5 | 1.6% |
| Mississippi | 4 | 1.3% |
| Illinois | 3 | 1.0% |
| Alabama | 1 | 0.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Manhattan | 84 |
| Wichita | 83 |
| Phoenix-Mesa-Chandler | 56 |
| Kansas City | 30 |
| Evansville | 7 |
| Cleveland | 5 |
| Milwaukee-Waukesha | 5 |
| Prescott Valley-Prescott | 5 |
| Jackson | 4 |
| Chicago-Naperville-Schaumburg | 3 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300Z6EE8DBBFUW487 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 160959 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 319899 | 2008–2017 |
Established 21 January 1969. Reported under HMDA 2008-2025.
Mergers, name changes, data editions and corrections: KS StateBank's data.
KS StateBank's data
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KS StateBank 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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