Applications / Mortgage Analytics / Lenders / Kansas / Labette Bank
Altamont, KS · State non-member bank · FDIC · $528 million assets · 109 loans in 2025
Labette Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
109
loans originated, 2025
127
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Labette Bank, a small Kansas state bank, makes unusually small loans, many of them for home improvement and manufactured homes, and lends more to modest earners than most similar banks.
Its typical loan in 2025 was $75,000, against $175,000 at similar lenders (state non-member banks making between half and twice as many loans); almost none of them lent less. Home improvement made up 20.2% of its loans and other purposes 9.2%. Manufactured homes took 9.2%, against 3.2% at similar banks. Both kinds of loan are usually small.
Borrowers with low or moderate incomes (LMI) took 36.0% of its loans, against 27.7% at similar banks, higher than about three in four of them. Poorer neighborhoods took 29.4%, against 18.3%, higher than about four in five. Its small home-improvement and manufactured-home loans may suit such borrowers.
It made 109 loans, up 42% on 2024, against 9% growth at similar banks. That followed a slide from 170 loans in 2018 to 77 in 2024. A single year's rise cannot show whether the slide has ended.
Its largest market is non-metro Kansas, where it ranked 58 of 398 lenders. In Joplin it ranked 50 of 219, and its share edged up to 0.2% from 0.1%. It has lent in both since its first report in 2004.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Labette Bank took 127 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 52.3% · Home improvement 20.2% · Refinance 18.3% · Other 9.2%
Conventional 100.0% · of 109 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 | 99 | 90.8% |
| Missouri | 7 | 6.4% |
| Arkansas | 1 | 0.9% |
| Florida | 1 | 0.9% |
| Oklahoma | 1 | 0.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Joplin | 18 |
| Kansas City | 9 |
| Oklahoma City | 1 |
| Panama City-Panama City Beach | 1 |
| Wichita | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300AR1PZJHZ7BYH72 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 483751 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 317068 | 2004–2017 |
Established 15 January 1915. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: Labette Bank's data.
Labette Bank's data
$215
Labette 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.
Buy Labette Bank's data, $215Jenner Mortgage Analytics: all the data
$2,110
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]