Applications / Mortgage Analytics / Lenders / Kansas / The Valley State Bank
Belle Plaine, KS · State non-member bank · FDIC · $195 million assets · 45 loans in 2025
The Valley State Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
45
loans originated, 2025
84
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The Valley State Bank, a small Kansas lender, made about a third fewer mortgages in 2025 while similar lenders grew.
The bank made 45 loans in 2025, down 35% from 69. Similar lenders (state non-member banks making between half and twice as many loans) grew 3%, and the whole market 10%; more than nine in ten of those lenders grew faster. The decline is not new: originations have slipped every year since 93 in 2020. At this size one customer or one branch could move the figures a long way.
Its lending reaches poorer areas more than most. 37.8% of its loans went to low- and moderate-income (LMI) neighborhoods, against 18.6% for similar lenders, a higher share than more than four in five of them. 24.4% went to majority-minority neighborhoods, against 5.5%. Its share of loans to LMI borrowers themselves sits near the middle of the group.
The typical loan was $125,000, below the $165,000 of similar lenders. Every loan was conventional, with none insured or guaranteed by the government, and none was jumbo (larger than the conforming limit). Purchases were about half of its lending and refinancing most of the rest.
Wichita is its largest market, where it has lent since 1991. It ranked 96 of 367 lenders, and its share slipped to 0.2% from 0.3%, which may simply reflect its smaller volume. Peoples Bank and Trust Company led 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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. The Valley State Bank took 84 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 48.9% · Refinance 42.2% · Other 8.9%
Conventional 100.0% · of 45 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 | 44 | 97.8% |
| Oklahoma | 1 | 2.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Wichita | 41 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 21380055IMHX3N5UL146 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 1005552 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 315038 | 1991–2017 |
Established 1 January 1897. Reported under HMDA 1991-2025.
Mergers, name changes, data editions and corrections: The Valley State Bank's data.
The Valley State Bank's data
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The Valley 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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