Applications / Mortgage Analytics / Lenders / Kansas / The Farmers State Bank
Holton, KS · State non-member bank · FDIC · $82.1 million assets · 47 loans in 2025
The Farmers State Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
47
loans originated, 2025
57
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The Farmers State Bank is a small Kansas lender that has nearly tripled its reported lending since 2018, and nearly half its loans were in poorer neighborhoods in 2025.
It made 17 loans in 2018, 27 in 2019, 37 in 2023 and 47 in 2025. It filed no report for 2020 to 2022, when a bank making fewer than 100 closed-end loans a year need not report. Last year's rise was 2%, against 4% at similar lenders, other state non-member banks making between half and twice as many loans.
Some 48.9% of its loans were in low- and moderate-income (LMI) neighborhoods, against 18.3% at similar lenders, higher than at more than nine in ten of them. A year earlier the share was 26.1%. With 47 loans, a few loans move such a share, and the eight counties it lends in may account for the level.
Purchases made up 63.8% of its loans. Its typical loan was $135,000, against $165,000 at similar lenders. It made no jumbo loans, those larger than the conforming limit.
It ranks 26 of 236 lenders in Topeka, with a share of 0.8%, little changed from 0.9% a year earlier; with 47 loans, a few loans either way could account for the dip. Capitol Federal Savings Bank leads the market.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Farmers State Bank took 57 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 63.8% · Refinance 27.7% · Home improvement 8.5%
Conventional 100.0% · of 47 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 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Topeka | 43 |
| Manhattan | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300BP2WBHKWIZA420 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 863652 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 315258 | 2004–2017 |
Established 29 October 1900. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: The Farmers State Bank's data.
The Farmers State Bank's data
$215
The Farmers State 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 The Farmers State 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]