Applications / Mortgage Analytics / Lenders / Kansas / The Citizens State Bank of Cheney, Kansas
Cheney, KS · State non-member bank · FDIC · $88.1 million assets · 49 loans in 2025
The Citizens State Bank of Cheney, Kansas's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
49
loans originated, 2025
65
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The Citizens State Bank of Cheney, Kansas, a small bank with $88.1 million in assets, leans on refinancing, which made up nearly half its 49 loans in 2025.
Refinancing made up 49.0% of its loans and home purchases 32.7%. Home improvement (10.2%) and other purposes (8.2%) took the rest. Its typical loan, $165,000, matched that of similar lenders (state non-member banks making between half and twice as many loans). Every loan was conventional.
Its loans fell 16%, from 58 to 49, while similar lenders grew 4%; about four in five of them grew faster. Its yearly totals swing widely for a lender this size: 31 loans in 2023, 58 in 2024. With so few loans, one year's change says little about direction. The bank filed no report for 2020 to 2022, gaps in the record rather than years without lending.
It has lent in Wichita since at least 1990 and ranked 91 of 367 lenders there in 2025, with 0.2% of the market, unchanged. Its 49 loans spread across 8 counties in 3 states, including rural Oklahoma and Missouri, a wide reach for its size. Its share of the Manhattan, Kansas, market edged up from 0.0% to 0.1%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. The Citizens State Bank of Cheney, Kansas took 65 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 49.0% · Purchase 32.7% · Home improvement 10.2% · Other 8.2%
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 | 47 | 95.9% |
| Missouri | 1 | 2.0% |
| Oklahoma | 1 | 2.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Wichita | 29 |
| Manhattan | 3 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300XZNS9SEC471Q24 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 924254 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 39658 | 1990–2017 |
Established 1 January 1884. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: The Citizens State Bank of Cheney, Kansas's data.
The Citizens State Bank of Cheney, Kansas's data
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The Citizens State Bank of Cheney, Kansas 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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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.
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