Applications / Mortgage Analytics / Lenders / Kansas / New Century Bank
Belleville, KS · State member bank · FRS · $85.1 million assets · 70 loans in 2025
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70
loans originated, 2025
70
applications, 2025
22
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
New Century Bank, a small Kansas bank, makes almost nothing but home-purchase loans, and spreads them across 22 states.
Purchases made up 90.0% of its 70 loans in 2025 and refinancing the rest. Its typical loan was $305,000, against $175,000 at similar banks, meaning state member banks making between half and twice as many loans. That is larger than at about four in five of them.
Its loans reach 22 states, 28 metros and 54 counties, a wide spread for a lender of its size. It entered Reno, Worcester and Cheyenne only in 2025. In Topeka it holds 0.2%, up 0.2 points, ranking 81 of 236 lenders.
Only 8.6% of its loans went to low- and moderate-income neighborhoods, against 17.5% at similar banks, fewer than at more than four in five of them. Its share of borrowers with such incomes, 21.4%, is also lower than the peer figure of 26.8%. Its larger loans and its purchase-heavy mix, aimed at buyers of dearer homes, are possible reasons.
It filed no report for 2018, 2021, 2022 or 2024; those years are gaps in the record, not years without lending. It made 73 loans in 2019, 15 in 2020 and 46 in 2023, so there is no prior year to measure 2025 against.
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, 2019–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. New Century Bank took 70 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 90.0% · Refinance 10.0%
Conventional 100.0% · of 70 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 | 25 | 35.7% |
| Colorado | 7 | 10.0% |
| Georgia | 5 | 7.1% |
| Missouri | 5 | 7.1% |
| Florida | 4 | 5.7% |
| North Carolina | 4 | 5.7% |
| Arizona | 2 | 2.9% |
| Indiana | 2 | 2.9% |
| Massachusetts | 2 | 2.9% |
| Texas | 2 | 2.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Topeka | 7 |
| Kansas City | 5 |
| Manhattan | 3 |
| Atlanta-Sandy Springs-Roswell | 2 |
| Amherst Town-Northampton | 1 |
| Bend | 1 |
| Charlotte-Concord-Gastonia | 1 |
| Cheyenne | 1 |
| Dallas-Plano-Irving | 1 |
| Denver-Aurora-Centennial | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300W6UP8EY0KSBG85 | 2019–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 392152 | 2019–2023 |
Established 5 May 1905. Reported under HMDA 2019-2025.
Mergers, name changes, data editions and corrections: New Century Bank's data.
New Century Bank's data
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New Century 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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