Applications / Mortgage Analytics / Lenders / Kansas / The Bennington State Bank
Salina, KS · State non-member bank · FDIC · $1.3 billion assets · 288 loans in 2025
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288
loans originated, 2025
342
applications, 2025
6
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The Bennington State Bank is a Kansas lender of modest-sized loans that ranks 12 of 398 lenders in non-metro Kansas and reaches more modest earners than most similar banks.
Borrowers with low or moderate incomes (LMI) took 35.2% of its loans in 2025, against 28.1% at similar lenders (state non-member banks making between half and twice as many loans). That is higher than at more than three-quarters of them, and up from 26.8% in 2024. Its share in LMI neighborhoods, 17.0%, sat near peers' 17.2%.
Its typical loan was $135,000, against $175,000 at similar lenders. Every loan was conventional. Five years before, 6.1% were guaranteed by the Department of Agriculture's Rural Housing Service (RHS); that line has gone. Purchases made up 59.7% of its lending.
Rural Kansas is its base: it ranks 12 of 398 lenders there. In Wichita its share held at 0.4%. In Topeka it fell from 1.3% to 0.8% and in Manhattan from 0.7% to 0.3%. With its own loans up, the growth came elsewhere; a few loans either way can move a share in markets this size.
Its loans rose 6%, to 288, close to the 8% at similar lenders and 10% for the whole market. That is a second year of growth after a low of 237 in 2023, though below the 414 it made in 2021.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Bennington State Bank took 342 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 59.7% · Refinance 27.8% · Home improvement 6.6% · Other 5.9%
Conventional 100.0% · of 288 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 | 281 | 97.6% |
| Colorado | 2 | 0.7% |
| Texas | 2 | 0.7% |
| Hawaii | 1 | 0.3% |
| Missouri | 1 | 0.3% |
| Oklahoma | 1 | 0.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Topeka | 37 |
| Wichita | 36 |
| Manhattan | 20 |
| Kansas City | 3 |
| Denver-Aurora-Centennial | 1 |
| Fort Worth-Arlington-Grapevine | 1 |
| Houston-Pasadena-The Woodlands | 1 |
| Lawrence | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300G5DUB6RE1MCL12 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 1016259 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 316402 | 2009–2017 |
Established 1 January 1884. Reported under HMDA 2009-2025.
Mergers, name changes, data editions and corrections: The Bennington State Bank's data.
The Bennington State Bank's data
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