Applications / Mortgage Analytics / Lenders / Kansas / The Baldwin State Bank
Baldwin City, KS · State non-member bank · FDIC · $106 million assets · 30 loans in 2025
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30
loans originated, 2025
32
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The Baldwin State Bank is a small Kansas lender whose 30 loans in 2025 were mostly refinances, at a typical size well below its rivals'.
Its typical loan was $65,000, against $175,000 at similar lenders, among the lowest of them. Over half its loans were refinances and less than a seventh were home purchases, which may explain much of the gap. Similar lenders are state banks outside the Federal Reserve making between half and twice its number of loans, 325 of them.
Its home market is Lawrence, Kansas, where it has lent since 1990. It ranked 33 of 222 lenders there, and its share edged up from 0.5% to 0.6%. Mid America Bank led the market. Elsewhere it is a bit player: it ranked 235 of 236 in Topeka.
Its loans rose 25%, from 24 to 30, while similar lenders held steady and the whole market grew 10%. That is faster than more than three-quarters of similar lenders, though on numbers this small a few loans make the difference. The record has no report for 2018 or for 2020 to 2022; banks making few loans need not report, so these are gaps, 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, 2019–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Baldwin State Bank took 32 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 53.3% · Other 30.0% · Purchase 13.3% · Home improvement 3.3%
Conventional 100.0% · of 30 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 | 29 | 96.7% |
| Missouri | 1 | 3.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Lawrence | 20 |
| Kansas City | 4 |
| Topeka | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900995FB5NC7SSE05 | 2019–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 997155 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 310906 | 1990–2016 |
Established 29 August 1892. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: The Baldwin State Bank's data.
The Baldwin State Bank's data
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The Baldwin 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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