Applications / Mortgage Analytics / Lenders / Kansas / The Lyndon State Bank
Lyndon, KS · State non-member bank · FDIC · $105 million assets · 41 loans in 2025
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41
loans originated, 2025
42
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The Lyndon State Bank, a small Kansas lender, grew its home lending by 24% in 2025 and holds a steady place in Topeka.
Its loans rose from 33 to 41, faster than about three-quarters of similar lenders (state non-member banks making between half and twice as many loans), which grew 2%. The whole market grew 10%. It made 54 loans a year in 2018 and 2019 and only 26 in 2023, and filed no report for 2020 to 2022, a gap in the record rather than years without lending.
Topeka is its largest market, where it has lent since 2002. It ranks 35 of 236 lenders there with a 0.6% share, unchanged from 2024. It first lent in Tulsa in 2025.
Every loan was conventional, and about half were to buy a home. Its typical loan was $125,000, against $165,000 at similar lenders. Low- and moderate-income borrowers took 32.5% of its loans, against 27.6% at similar lenders, more than about six in ten of them, though on 41 loans a few borrowers move that figure.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Lyndon State Bank took 42 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 51.2% · Refinance 39.0% · Home improvement 9.8%
Conventional 100.0% · of 41 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 | 40 | 97.6% |
| Oklahoma | 1 | 2.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Topeka | 33 |
| Tulsa | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300BGTO2X0ZFZVC45 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 136655 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 312135 | 2002–2017 |
Established 1 August 1901. Reported under HMDA 2002-2025.
Mergers, name changes, data editions and corrections: The Lyndon State Bank's data.
The Lyndon State Bank's data
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The Lyndon 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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