Applications / Mortgage Analytics / Lenders / Kansas / Heritage Bank
Topeka, KS · State member bank · FRS · $311 million assets · 109 loans in 2025
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109
loans originated, 2025
111
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Heritage Bank, a Topeka bank, grew its lending by more than half in 2025 and makes an unusually large share of its loans in poorer neighborhoods.
Its loans rose 56%, to 109 from 70, while similar lenders (state member banks making between half and twice as many loans) grew 8% and the whole market 10%. Only about one in ten peers grew faster. It merged with Fidelity State Bank and Trust Company in 2025, which may account for some of the rise. Its record covers only 2024 and 2025; earlier years were not reported, which does not mean no lending.
Of its loans, 36.7% were in poorer neighborhoods (low- and moderate-income, or LMI, tracts), against 16.5% at the typical similar lender, a higher share than at about nine in ten of them. LMI borrowers took 34.0% of its loans, against 27.1%. The neighborhoods it serves around Topeka may explain it.
Its typical loan was $125,000, against $175,000 for similar lenders, smaller than at about five in six of them. Home purchases made up 56.0% of lending and refinances 40.4%.
In Topeka, where it has lent since at least 1990, its share of mortgage dollars rose to 1.6% from 1.0%, ranking it 16 of 236; Capitol Federal Savings Bank leads. The merged bank's filings count in these figures, so part of the gain may come from the merger itself.
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, 2024–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Heritage Bank took 111 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 56.0% · Refinance 40.4% · Home improvement 2.8% · Other 0.9%
Conventional 100.0% · of 109 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 | 104 | 95.4% |
| Missouri | 3 | 2.8% |
| Colorado | 2 | 1.8% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Topeka | 97 |
| Kansas City | 3 |
| Lawrence | 1 |
| Manhattan | 1 |
| Wichita | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900QOUFAVP0L4K777 | 2024–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3120897 | 2006–2016 |
| Respondent ID (the HMDA filer code before 2018) | 23120897 | 2006–2016 |
Established 14 April 2003. Reported under HMDA 2006-2025.
Mergers, name changes, data editions and corrections: Heritage Bank's data.
Heritage Bank's data
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