Applications / Mortgage Analytics / Lenders / Kansas / Patriots Bank
Garnett, KS · State non-member bank · FDIC · $261 million assets · 37 loans in 2025
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37
loans originated, 2025
37
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Patriots Bank, a Kansas bank reporting since 2003, makes few but larger-than-usual home loans, and made 12% fewer in 2025 while similar lenders grew slightly.
It made 37 loans in 2025, down from 42. Similar lenders (state non-member banks making between half and twice as many loans) grew 1%, and the whole market 10%. Since 2018 it has reported between 30 and 45 loans a year, with no report for 2020 to 2022, so the dip sits within its usual range.
Its typical loan was $225,000, against $175,000 at similar lenders, higher than at about two-thirds of them. Purchases made up 54.1% of its loans and refinancing 43.2%. Every loan was conventional, with no government-backed lending.
Its largest markets are Kansas City, KS-MO, where it has lent since 2004 and ranks 288 of 659, and non-metro Kansas, where it ranks 148 of 398. Its shares are too small to register. In 2025 it lent for the first time in non-metro Minnesota and non-metro Tennessee, far from its home state; with 37 loans in all, these can only be a handful each.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Patriots Bank took 37 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 54.1% · Refinance 43.2% · Home improvement 2.7%
Conventional 100.0% · of 37 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 | 67.6% |
| Missouri | 10 | 27.0% |
| Minnesota | 1 | 2.7% |
| Tennessee | 1 | 2.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Kansas City | 10 |
| Lawrence | 1 |
| St. Joseph | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300QP3NKC4EY4SD85 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 297051 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 318019 | 2003–2017 |
Established 1 January 1899. Reported under HMDA 2003-2025.
Mergers, name changes, data editions and corrections: Patriots Bank's data.
Patriots Bank's data
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