Applications / Mortgage Analytics / Lenders / Kansas / Outdoor Bank
Manhattan, KS · State non-member bank · FDIC · $661 million assets · 137 loans in 2025
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137
loans originated, 2025
153
applications, 2025
8
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Outdoor Bank, a Kansas bank, lends mostly to refinance, and across 35 counties in 8 states, far beyond its home market.
Refinances made up 73.0% of its loans and purchases 21.2%; all were conventional. Its typical loan, $145,000, was smaller than the $175,000 at similar lenders, state non-member banks making between half and twice as many loans. Yet 5.8% of its loans were jumbo (larger than the conforming limit), against 1.4% at those lenders.
It made 137 loans, 18% fewer than in 2024, while similar lenders grew 9%. In Manhattan, KS its share fell to 1.1% from 3.0%, and it ranked 24 of 209; Mortgage Research Center led. Lending spread over many states, and a book weighted to refinancing, are possible reasons.
Its largest markets include non-metro California and non-metro Missouri, and in 2025 it lent in non-metro Alaska for the first time. In Kansas City it ranked 165 of 659. It merged with Stanley Bank in 2021 and in 2023 changed its name from Peoples State Bank.
Poorer neighborhoods (low- and moderate-income, or LMI, areas) took 6.6% of its loans, against 17.6% at similar lenders, lower than at about nine in ten. LMI borrowers took 31.1%, against 28.0%. The areas it serves may hold few such neighborhoods.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Outdoor Bank took 153 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 73.0% · Purchase 21.2% · Home improvement 5.8%
Conventional 100.0% · of 137 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 | 115 | 83.9% |
| Missouri | 15 | 10.9% |
| Georgia | 2 | 1.5% |
| Alaska | 1 | 0.7% |
| Arizona | 1 | 0.7% |
| California | 1 | 0.7% |
| Colorado | 1 | 0.7% |
| Nebraska | 1 | 0.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Manhattan | 42 |
| Kansas City | 25 |
| Topeka | 3 |
| Greeley | 1 |
| Lawrence | 1 |
| Phoenix-Mesa-Chandler | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 2549006HZDO3SULWNR95 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 43351 | 2016–2023 |
| Respondent ID (the HMDA filer code before 2018) | 317685 | 2016–2017 |
Established 1 January 1897. Reported under HMDA 2016-2025.
Mergers, name changes, data editions and corrections: Outdoor Bank's data.
Outdoor Bank's data
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