Applications / Mortgage Analytics / Lenders / Kansas / Farmers and Drovers Bank
Council Grove, KS · State non-member bank · FDIC · $220 million assets · 54 loans in 2025
Farmers and Drovers Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
54
loans originated, 2025
64
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Farmers and Drovers Bank lends mostly to home buyers in non-metro Kansas, and 16.7% of its loans are for manufactured homes, against 2.6% at similar banks.
Its manufactured-home share was higher than at almost nine in ten similar lenders, state non-member banks making between half and twice as many loans. Its typical loan, $105,000, was lower than at all but about one in eight of them, whose typical loan was $167,500. Manufactured homes, which usually cost less, may account for part of that gap.
Purchases made up 77.8% of its loans and refinances 20.4%, all conventional. Its loans rose 10% to 54, matching the whole market and near the middle of similar lenders.
Its largest market is non-metro Kansas, where it ranked 49 of 398 lenders. In Topeka, Wichita and Manhattan its shares are very small.
Only 1.8% of its loans were in low- and moderate-income (LMI) neighborhoods, against 18.5% at similar lenders, among the lowest twentieth. One possible reason is that the 8 counties it lends in contain few such neighborhoods. Its share of loans to LMI borrowers, 29.6%, was near the middle.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Farmers and Drovers Bank took 64 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 77.8% · Refinance 20.4% · Home improvement 1.9%
Conventional 100.0% · of 54 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 | 54 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Topeka | 6 |
| Wichita | 2 |
| Manhattan | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300VFIO7B8IHC0H05 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 788559 | 2017–2023 |
| Respondent ID (the HMDA filer code before 2018) | 312602 | 2017–2017 |
Established 16 March 1882. Reported under HMDA 2017-2025.
Mergers, name changes, data editions and corrections: Farmers and Drovers Bank's data.
Farmers and Drovers Bank's data
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