Applications / Mortgage Analytics / Lenders / Kansas / First Heritage Bank
Centralia, KS · State non-member bank · FDIC · $297 million assets · 41 loans in 2025
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41
loans originated, 2025
53
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First Heritage Bank, a small Kansas bank whose largest market is non-metro Kansas, made 41 loans in 2025, split mainly between home purchases and refinances.
Its loans fell 15% to 41, while similar lenders, state non-member banks making between half and twice as many loans in 2025, grew 2%. Its change was lower than at about three in four of them. It made 46 loans in 2018, 59 in 2019, 40 in 2023 and 48 in 2024, and filed no report for 2020 to 2022, so 2025 sits within its usual range.
Home purchases were 43.9% of its loans, refinances 39.0% and other purposes 17.1%, all conventional. Its typical loan was $125,000, against $165,000 at similar lenders, lower than about three in four of them. It made 30.0% of its loans to low- and moderate-income borrowers, against 27.6%, near the middle.
It first reported in 2016 and has lent since then in non-metro Kansas, where it ranks 93 of 398 lenders, and in Manhattan, Kansas City, Wichita and Topeka. In Manhattan its share rose to 0.1%, ranking 95 of 209; Mortgage Research Center leads.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. First Heritage Bank took 53 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 43.9% · Refinance 39.0% · Other 17.1%
Conventional 100.0% · of 41 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 | 39 | 95.1% |
| Missouri | 2 | 4.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Kansas City | 9 |
| Manhattan | 4 |
| Topeka | 1 |
| Wichita | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493006ZMPVXXUIKYH60 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 922157 | 2016–2023 |
| Respondent ID (the HMDA filer code before 2018) | 34636 | 2016–2017 |
Established 18 April 1882. Reported under HMDA 2016-2025.
Mergers, name changes, data editions and corrections: First Heritage Bank's data.
First Heritage Bank's data
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