Applications / Mortgage Analytics / Lenders / Kansas / The Kansas State Bank
Ottawa, KS · State non-member bank · FDIC · $212 million assets · 43 loans in 2025
The Kansas State Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
43
loans originated, 2025
45
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The Kansas State Bank is a small Ottawa lender of modest, conventional loans whose share of Lawrence lending rose in 2025.
Refinances made up 44.2% of its 43 loans and purchases 39.5%. Every loan was conventional. Its typical loan was $125,000, against $165,000 at similar lenders (state non-member banks making between half and twice as many loans), lower than about three-quarters of them. Home-improvement loans, 11.6% of the total, tend to be small and may account for part of that.
Its loans rose 8%, from 40 to 43, a little faster than similar lenders, which grew 2%, though slower than the whole market's 10%. It made 73 loans in 2018 and filed no report for 2020 to 2022, a gap in the record rather than years without lending.
In Lawrence, where it has lent since 1996, its share rose to 0.2% and it ranks 67 of 222 lenders. In rural Kansas, where it has lent since 2003, it ranks 73 of 398. With 43 loans in all, a few loans more or less can move these places.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Kansas State Bank took 45 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 44.2% · Purchase 39.5% · Home improvement 11.6% · Other 4.7%
Conventional 100.0% · of 43 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 | 43 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Kansas City | 4 |
| Lawrence | 4 |
| Topeka | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300HSEF434P70U240 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 287959 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 310505 | 1996–2017 |
Established 20 November 1917. Reported under HMDA 1996-2025.
Mergers, name changes, data editions and corrections: The Kansas State Bank's data.
The Kansas State Bank's data
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The Kansas 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.
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