Applications / Mortgage Analytics / Lenders / Kansas / The Union State Bank of Everest
Everest, KS · State member bank · FRS · $437 million assets · 179 loans in 2025
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179
loans originated, 2025
202
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The Union State Bank of Everest is a small Kansas lender of modest, plain loans that is slowly gaining ground in Topeka and St. Joseph.
Its typical loan was $125,000, smaller than at more than four in five similar lenders (state member banks making between half and twice as many loans), where the typical loan was $175,000. Every loan was conventional; none was backed by the government. Refinances made up 46.9% of its lending and home purchases 40.2%, so it serves existing owners about as much as buyers.
In Topeka it ranked 32 of 236 lenders, and its share rose from 0.5% to 0.7%. In St. Joseph it ranked 20 of 186, with its share up from 0.7% to 1.1%. It also lends across non-metro Kansas, where it ranked 44 of 398. In Kansas City, a far bigger market, it is a minor player.
Its loans rose 8% to 179, close to the 7% at similar lenders and a little below the whole market's 10%. That still leaves it well short of the 264 it made in 2020; its lending fell each year from 2021 to 2024 before this year's rise.
Of its loans, 13.4% went to low- and moderate-income (LMI) neighborhoods, against 16.5% at similar lenders, though that is up from 3.0% in 2020. Its share to LMI borrowers, 26.0%, was also a little below peers' 28.6%. One possible reason is its footprint: much of its lending is in non-metro Kansas and two small cities rather than large metros.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Union State Bank of Everest took 202 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 46.9% · Purchase 40.2% · Other 7.8% · Home improvement 5.0%
Conventional 100.0% · of 179 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 | 128 | 71.5% |
| Missouri | 45 | 25.1% |
| Texas | 3 | 1.7% |
| Colorado | 2 | 1.1% |
| Nebraska | 1 | 0.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Topeka | 36 |
| Kansas City | 27 |
| St. Joseph | 23 |
| Houston-Pasadena-The Woodlands | 2 |
| Austin-Round Rock-San Marcos | 1 |
| Denver-Aurora-Centennial | 1 |
| Lawrence | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900AECSSNLT5FBU41 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 736550 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 2736550 | 2010–2017 |
Established 5 August 1901. Reported under HMDA 2010-2025.
Mergers, name changes, data editions and corrections: The Union State Bank of Everest's data.
The Union State Bank of Everest's data
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The Union State Bank of Everest 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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