Applications / Mortgage Analytics / Lenders / Kansas / Union State Bank
Arkansas City, KS · State member bank · FRS · $655 million assets · 155 loans in 2025
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155
loans originated, 2025
181
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Union State Bank, a small Kansas bank, lends to modest-income borrowers and neighborhoods far more than similar banks do, even as its overall lending shrinks.
In 2025, 40.5% of its loans went to low- and moderate-income (LMI) borrowers, up from 29.1% a year earlier and against 27.6% at similar lenders, state member banks making between half and twice as many loans. That is higher than at nine in ten of them. It also made 24.0% of its loans in LMI neighborhoods, against 16.6%, and 14.8% in majority-minority neighborhoods, against 4.6%.
Every loan was conventional. The typical loan was $135,000, against $175,000 at similar lenders. Purchases made up 56.1% of its lending and refinancings 31.0%.
It made 155 loans, 8% fewer than in 2024, while similar lenders grew 8% and the market 10%. Dollars fell faster, to $33.4 million from $42.7 million. Its loans have fallen every year since 2021, when it made 342, and are now below half that level. Yet its 155 loans are close to the 166 it made in 2018, so the fall may largely be a return to its size before the surge of 2020 and 2021.
Wichita is its biggest market. It ranks 40 of 367 lenders there, with 0.6% of the dollars, against 0.7% a year earlier. Peoples Bank and Trust Company and Rocket Mortgage lead. In non-metro Kansas it ranks 56 of 398.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Union State Bank took 181 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 56.1% · Refinance 31.0% · Home improvement 7.7% · Other 5.2%
Conventional 100.0% · of 155 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 | 137 | 88.4% |
| Oklahoma | 16 | 10.3% |
| Colorado | 1 | 0.6% |
| Florida | 1 | 0.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Wichita | 92 |
| Oklahoma City | 8 |
| Lawrence | 2 |
| Denver-Aurora-Centennial | 1 |
| Orlando-Kissimmee-Sanford | 1 |
| Tulsa | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493007LG15SP6QAWL48 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 227151 | 2016–2023 |
| Respondent ID (the HMDA filer code before 2018) | 2227151 | 2016–2017 |
Established 30 December 1908. Reported under HMDA 2016-2025.
Mergers, name changes, data editions and corrections: Union State Bank's data.
Union State Bank's data
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