Applications / Mortgage Analytics / Lenders / Kansas / The Farmers State Bank of Westmoreland
Westmoreland, KS · State non-member bank · FDIC · $235 million assets · 51 loans in 2025
The Farmers State Bank of Westmoreland's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
51
loans originated, 2025
57
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The Farmers State Bank of Westmoreland made 24% more home loans in 2025, but at 51 it made well under half the 130 it made in 2020.
Its loans rose from 41 to 51, faster than about seven in ten similar lenders (state non-member banks making between half and twice as many loans), whose typical growth was 5%. The whole market grew 10%. The rise follows thin years: the bank made 124 loans in 2021, then 61 in 2022 and 41 in 2024. The record does not say what drove the fall or the recovery.
Low- and moderate-income (LMI) borrowers took 37.8% of its loans, against 27.1% at a typical peer and 25.0% for the bank a year earlier. Yet only 4.0% of its loans went to LMI neighborhoods, against 18.6% at peers, among the lowest tenth. All its lending sits in six Kansas counties; one possibility is that those counties hold few such neighborhoods.
None of its loans was higher-priced (a rate well above the average for similar loans), against 6.2% at a typical peer. Its typical rate, 7.40%, was close to peers' 7.00%.
Its largest market is Manhattan, Kansas, where it has lent since 2009. It held 1.1% of lending there, ranking 23 of 209, a slip from 1.2% a year earlier. Its own lending barely changed, at $8.7 million against $8.6 million, so the slip may simply reflect a market that grew around it.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. The Farmers State Bank of Westmoreland took 57 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 47.1% · Refinance 47.1% · Home improvement 3.9% · Other 2.0%
Conventional 100.0% · of 51 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 | 51 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Manhattan | 43 |
| Topeka | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300ZP58VS10D8CK07 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 615851 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 315164 | 2009–2017 |
Established 1 January 1898. Reported under HMDA 2009-2025.
Mergers, name changes, data editions and corrections: The Farmers State Bank of Westmoreland's data.
The Farmers State Bank of Westmoreland's data
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The Farmers State Bank of Westmoreland 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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