Applications / Mortgage Analytics / Lenders / Colorado / Farmers State Bank of Calhan
Calhan, CO · State non-member bank · FDIC · $418 million assets · 44 loans in 2025
Farmers State Bank of Calhan's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
44
loans originated, 2025
58
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Farmers State Bank of Calhan, a small Colorado bank, lifted its loans by a third in 2025, faster than four in five similar banks, and puts more of its loans on manufactured homes than most of them.
It made 44 loans, up from 33, a rise of 33%. Similar lenders (state non-member banks making between half and twice as many loans) grew by 3%, and the whole market by 10%. It filed no reports from 2020 to 2022, so those years are a gap in the record. It made 50 and 54 loans in 2018 and 2019.
Manufactured homes made up 13.6% of its loans, against 2.5% at similar banks, a higher share than at more than four in five of them. Home purchase was 40.9% of its loans, with the rest spread across refinancing, home improvement and other purposes. Every loan was conventional.
Its share of loans in low- and moderate-income (LMI) neighborhoods fell to 13.6% from 30.3%, below the 18.8% at its peers. Its share to LMI borrowers, 20.4%, is also below theirs. With 44 loans, a handful made in one area rather than another moves these shares by many points, so one year says little. The fall may simply reflect where this year's borrowers in its seven counties happened to live.
It has lent in Colorado Springs since at least 1990. It ranks 139 of 487 lenders there, with 0.1% of the market, unchanged. United Wholesale Mortgage and Ent Credit Union lead.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Farmers State Bank of Calhan took 58 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 40.9% · Other 25.0% · Refinance 20.5% · Home improvement 13.6%
Conventional 100.0% · of 44 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 |
|---|---|---|
| Colorado | 44 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Colorado Springs | 32 |
| Denver-Aurora-Centennial | 9 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300575R17XN3DXK30 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 956956 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 31780 | 1990–2017 |
Established 16 August 1916. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Farmers State Bank of Calhan's data.
Farmers State Bank of Calhan's data
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Farmers State Bank of Calhan 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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