Applications / Mortgage Analytics / Lenders / Kansas / United Bank & Trust
Marysville, KS · State member bank · FRS · $906 million assets · 115 loans in 2025
United Bank & Trust's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
115
loans originated, 2025
142
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
United Bank & Trust is a rural Kansas bank whose loans are among the smallest of any similar lender, and its lending grew a little faster than its peers' in 2025.
Its typical loan was $105,000, against $175,000 at similar lenders, state member banks making between half and twice as many loans. That is smaller than at more than nine in ten of them. It made exactly as many loans as the typical peer, 115, yet lent about half as much money: $17.8 million against $34.4 million. Every loan was conventional, and none was a jumbo.
Loans rose 12% from 103, a little faster than the 8% of similar lenders and the 10% of the market. They remain below the 176 it made in 2021. Purchases made up 62.6% of its lending and refinancings 30.4%.
Non-metro Kansas is its biggest market, where it ranks 28 of 398 lenders. It has reported since 2009. In the metro areas it serves, such as Manhattan and Topeka, its share is a sliver.
Low- and moderate-income borrowers took 27.4% of its loans, in line with the 27.2% at similar lenders and up from 20.0% in 2020.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. United Bank & Trust took 142 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 62.6% · Refinance 30.4% · Home improvement 6.1% · Other 0.9%
Conventional 100.0% · of 115 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 | 112 | 97.4% |
| Missouri | 2 | 1.7% |
| Nebraska | 1 | 0.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Kansas City | 2 |
| Manhattan | 2 |
| Jefferson City | 1 |
| St. Joseph | 1 |
| Topeka | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300YGJL5TVDN6LR41 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 990352 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 2990352 | 2009–2017 |
Established 1 July 1890. Reported under HMDA 2009-2025.
Mergers, name changes, data editions and corrections: United Bank & Trust's data.
United Bank & Trust's data
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United Bank & Trust 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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