Applications / Mortgage Analytics / Lenders / Kansas / Halstead Bank
Halstead, KS · State member bank · FRS · $193 million assets · 77 loans in 2025
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77
loans originated, 2025
88
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Halstead Bank is a small Kansas bank that lends mainly to home buyers: seven in ten of its 77 loans in 2025 financed a purchase, and every one was conventional.
Purchases made up 71.4% of its loans and refinancing 18.2%. It made no government-backed loans and no jumbo loans (those larger than the conforming limit). Its typical loan, $175,000, matched that of similar lenders, which here means state member banks making between half and twice as many loans.
Its loans rose 5%, from 73 to 77. Similar lenders grew by 9% and the whole market by 10%. With so few loans, a handful either way moves the figure, so the gap says little about its direction.
A third of its borrowers, 33.9%, were low- and moderate-income (LMI), against 27.0% at similar lenders; that is higher than about three in four of them, and up from 26.4% a year earlier. Its share of loans in LMI neighborhoods was lower, at 13.0% against 17.0%. It lends in only four counties, so the neighborhoods within reach may simply include few poorer ones.
It has lent in Wichita since at least 1990. It ranked 50 of 367 lenders there in 2025, with 0.5% of a $3.30B market, up 0.1 points. Peoples Bank and Trust Company led the market.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Halstead Bank took 88 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 71.4% · Refinance 18.2% · Home improvement 5.2% · Other 5.2%
Conventional 100.0% · of 77 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 | 77 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Wichita | 76 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300XPYR4FPCKYRF48 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 747257 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 317451 | 1990–2008 |
| Respondent ID (the HMDA filer code before 2018) | 2747257 | 2009–2017 |
Established 10 March 1882. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Halstead Bank's data.
Halstead Bank's data
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Halstead Bank 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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