Applications / Mortgage Analytics / Lenders / Kansas / The Stock Exchange Bank, Caldwell, Kansas
Caldwell, KS · State member bank · FRS · $90.0 million assets · 73 loans in 2025
The Stock Exchange Bank, Caldwell, Kansas's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
73
loans originated, 2025
75
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The Stock Exchange Bank, Caldwell, Kansas lends far more in poorer neighborhoods than similar banks, but its lending shrank sharply in 2025.
Similar lenders here are state member banks making between half and twice as many loans. Of the bank's loans, 41.7% went to poorer neighborhoods (low- and moderate-income, or LMI, tracts), against 16.5% at those peers, higher than almost all of them. Its share in majority-minority neighborhoods was 15.1%, against 6.2%.
Its borrowers' incomes tell a different story: 15.0% had low or moderate incomes, against 27.0% at similar banks. A borrower's income and a neighborhood's are measured separately, so a lender can serve many poorer tracts without many lower-income borrowers. Refinances, 57.5% of its loans, may also play a part, since they go to people who already own a home.
The bank made 73 loans, against 103 in 2024, a fall of 29%, while similar banks grew by 9%. Its growth was lower than almost every peer's. It filed no report for 2020 or 2021, gaps in the record rather than years without lending. With so small a book, a few loans either way make a large change.
In Wichita, its largest market, it ranked 80 of 367 and its share fell from 0.5% to 0.2%. It has lent there since 2012, the year of its first report. The fall in its lending, from 103 loans to 73, may account for most of the lost share.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Stock Exchange Bank, Caldwell, Kansas took 75 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 57.5% · Purchase 42.5%
Conventional 100.0% · of 73 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 | 73 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Wichita | 55 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 54930030PHXZTW8UCY89 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 671053 | 2012–2023 |
| Respondent ID (the HMDA filer code before 2018) | 2671053 | 2012–2017 |
Established 12 November 1881. Reported under HMDA 2012-2025.
Mergers, name changes, data editions and corrections: The Stock Exchange Bank, Caldwell, Kansas's data.
The Stock Exchange Bank, Caldwell, Kansas's data
$215
The Stock Exchange Bank, Caldwell, 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.
Buy The Stock Exchange Bank, Caldwell, Kansas'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]