Applications / Mortgage Analytics / Lenders / Kansas / Carson Bank
Mulvane, KS · State non-member bank · FDIC · $205 million assets · 34 loans in 2025
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34
loans originated, 2025
42
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Carson Bank is a small Kansas lender whose mortgage book shrank in 2025, to 34 loans from 55, while similar banks held steady.
Its loans fell 38% in 2025. Similar lenders, here other state non-member banks making between half and twice as many loans, grew by 2%, and the whole market by 10%, which puts its fall among the steepest tenth of its peers. But in each year it reported from 2018 to 2024 it made between 55 and 69 loans, so at this size one weak year may say little about the trend.
Every loan it made was conventional; it made no loans backed by a government agency. Refinances were 55.9% of its loans and purchases 41.2%. Its typical loan, $165,000, sat close to the $167,500 of similar banks. On 34 loans, its shares of lending to particular borrowers or neighborhoods are too small to read much into.
Wichita is its main market, which it entered in 1998. It ranked 68 of 367 lenders there in 2025, with 0.3% of a $3.30B market, down from 0.5%. Peoples Bank and Trust Company led. The fall in share follows the fall in its own loans, while the market as a whole grew.
The bank, renamed from The Mulvane State Bank in 2008, filed no report for 2020 or 2021. Since 2020 a bank making fewer than 100 closed-end loans a year need not report, so those years are gaps in the record, not years without lending.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Carson Bank took 42 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 55.9% · Purchase 41.2% · Other 2.9%
Conventional 100.0% · of 34 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 | 34 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Wichita | 33 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900ZVK94NEC553D12 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 171656 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 317369 | 1998–2017 |
Established 1 July 1886. Reported under HMDA 1998-2025.
Mergers, name changes, data editions and corrections: Carson Bank's data.
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