Applications / Mortgage Analytics / Lenders / Kentucky / Heritage Bank
Burlington, KY · State non-member bank · FDIC · $2.1 billion assets · 313 loans in 2025
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313
loans originated, 2025
427
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Heritage Bank makes small loans, mostly for purposes other than buying a home, and a larger share of them goes to low- and moderate-income borrowers than at about nine in ten similar lenders.
Nearly half its loans, 48.9%, were for other purposes, and about a third, 32.9%, were refinances. Home purchases made up just 8.9%. Its typical loan was $105,000. At similar lenders, banks of the same type making between half and twice as many loans, it was $175,000, and only about one in ten made smaller loans.
It made 313 loans in 2025, up 15% from 272. Similar lenders grew 8% and the whole market 10%. From 2018 to 2022 it made between 103 and 162 loans a year; in 2023 it made 331.
Low- and moderate-income (LMI) borrowers took 40.2% of its loans, up from 26.6% a year earlier. At similar lenders the share was 28.1%, and Heritage Bank's was higher than at about nine in ten of them. Poorer neighborhoods (LMI tracts) took 22.1% of its loans, against 16.6%.
Cincinnati is its largest market. It ranks 74 of 621 lenders there, with 0.3% of lending, down from 0.4%; United Wholesale Mortgage leads. Its dollar total fell to $51.2 million from $55.7 million even as its loan count rose, while the market grew 10%. Fewer dollars of its own in a growing market are a possible reason for the smaller share. In 2025 it entered Augusta-Richmond County.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Heritage Bank took 427 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 48.9% · Refinance 32.9% · Home improvement 9.3% · Purchase 8.9%
Conventional 100.0% · of 313 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 |
|---|---|---|
| Kentucky | 269 | 85.9% |
| Ohio | 43 | 13.7% |
| South Carolina | 1 | 0.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Cincinnati | 305 |
| Dayton-Kettering-Beavercreek | 2 |
| Augusta-Richmond County | 1 |
| Lexington-Fayette | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300XT5WP4TMNXL317 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 1469677 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 333119 | 1992–2017 |
Established 4 September 1990. Reported under HMDA 1992-2025.
Mergers, name changes, data editions and corrections: Heritage Bank's data.
Heritage Bank's data
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