Applications / Mortgage Analytics / Lenders / Kansas / Garden Plain State Bank
Wichita, KS · State non-member bank · FDIC · $176 million assets · 115 loans in 2025
Garden Plain State Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
115
loans originated, 2025
124
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Garden Plain State Bank is an established Wichita lender, 26th of 367 lenders in that market, and its share edged up in 2025.
It has lent in Wichita since at least 1990. Its share there rose to 0.8% from 0.7% in 2025, placing it 26th of 367 lenders, behind Peoples Bank and Trust Company, the leader. Wichita is the only metro area where it lends; the rest is in rural Kansas and Missouri.
Its loans rose 15% in 2025, to 115, ahead of the 9% at similar lenders, banks of the same type making between half and twice as many loans, and the whole market's 10%. That leaves it well short of 2020 and 2021, when it made 186 and 180. Purchases made up 47.8% of its loans and refinancing 33.9%, all of them conventional.
Its typical loan was $215,000, against $175,000 at its peers. Only 16.3% of its borrowers had low or moderate incomes, against 27.9% at its peers, and 7.0% of its loans were in low- and moderate-income neighborhoods, against 18.2%. Both shares are lower than at more than four in five similar lenders. Its larger loans may be one reason; the neighborhoods it serves around Wichita may be another, and tract detail would show which.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Garden Plain State Bank took 124 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 47.8% · Refinance 33.9% · Other 12.2% · Home improvement 6.1%
Conventional 100.0% · of 115 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 | 113 | 98.3% |
| Missouri | 2 | 1.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Wichita | 105 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493001YU4TTE8QEL245 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 987651 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 319687 | 1990–2017 |
Established 21 December 1966. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Garden Plain State Bank's data.
Garden Plain State Bank's data
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Garden Plain State Bank 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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