Applications / Mortgage Analytics / Lenders / Kansas / Southwest National Bank
Wichita, KS · National bank · OCC · $513 million assets · 49 loans in 2025
Southwest National Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
49
loans originated, 2025
50
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Southwest National Bank, a Wichita bank with a small mortgage book, lends far more in poorer and majority-minority neighborhoods than the typical similar bank does.
Of its loans, 42.9% went to homes in low- and moderate-income (LMI) neighborhoods, against 16.5% at the typical similar lender, a national bank making between half and twice as many loans. That is higher than nearly nine in ten of them. In majority-minority neighborhoods its share was 30.6%, against 8.4%. Its lending is concentrated in four Kansas counties, so these shares reflect the parts of Wichita it serves.
Refinances made up 63.3% of its loans and home purchases 32.7%. All were conventional. Its typical loan was $125,000, below the $185,000 typical of its peers, and it made no jumbo loans, those larger than the conforming limit.
It made 49 loans in 2025, up 17% from 42 the year before, when similar banks grew by a typical 2%. But that is half its 2020 total of 99. Its loans fell each year from that peak until 2025.
It has lent in Wichita since at least 1990 and holds 0.2% of the market, ranking 83 of 367 lenders, unchanged on the year. Peoples Bank and Trust Company led the market. In 2004 it absorbed Twin Lakes National Bank, whose filings count in the competition figures.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Southwest National Bank took 50 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 63.3% · Purchase 32.7% · Home improvement 4.1%
Conventional 100.0% · of 49 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 | 49 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Wichita | 47 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300FJI86JAMJGHR47 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 499855 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 112346 | 1990–2017 |
Established 1 January 1915. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Southwest National Bank's data.
Southwest National Bank's data
$215
Southwest National 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 Southwest National 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]