Applications / Mortgage Analytics / Lenders / Kansas / Silver Lake Bank
Topeka, KS · State non-member bank · FDIC · $494 million assets · 165 loans in 2025
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165
loans originated, 2025
190
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Silver Lake Bank, a Topeka community bank, grew its mortgage lending by 39% in 2025 and won share in its home market.
It made 165 loans, up from 119, faster than more than four in five similar lenders, meaning state non-member banks making between half and twice as many loans. Their typical growth was 10%, as was the whole market's. It is its highest count since 2022, when it made 179.
Its share in Topeka, where it has lent since 1990, rose to 1.5% from 1.0%, ranking it 17 of 236 lenders in a market led by Capitol Federal Savings Bank. In Lawrence its share eased to 1.1% from 1.3%. One possible reason is that its growth went mainly to its home market.
Its typical loan was $135,000, smaller than at about three-quarters of similar lenders. Purchases made up 50.9% of its lending, refinances 27.3% and home-improvement loans 13.9%. It made no loans above the conforming limit.
Low- and moderate-income neighborhoods took 29.5% of its loans, more than at about four in five similar lenders, whose typical share was 17.3%. Majority-minority neighborhoods took 12.9%, up from 6.6% and higher than similar lenders' 5.4%. Lower-income borrowers took 29.1% of its loans, close to similar lenders.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Silver Lake Bank took 190 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 50.9% · Refinance 27.3% · Home improvement 13.9% · Other 7.9%
Conventional 100.0% · of 165 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 | 134 | 81.2% |
| Missouri | 6 | 3.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Topeka | 100 |
| Lawrence | 27 |
| Kansas City | 13 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300LK4WOVIJ8FAK87 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 326054 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 315323 | 1990–2017 |
Established 1 January 1909. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Silver Lake Bank's data.
Silver Lake Bank's data
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Silver Lake 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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