Applications / Mortgage Analytics / Lenders / Kansas / The First National Bank of Hutchinson
Hutchinson, KS · National bank · OCC · $1.3 billion assets · 245 loans in 2025
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245
loans originated, 2025
263
applications, 2025
12
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The First National Bank of Hutchinson, a Kansas national bank, grew faster than most similar lenders in 2025 and lends more to lower-income borrowers than most of them.
Its loans rose 14% to 245, against 5% for similar lenders, national banks making between half and twice as many loans, and 10% for the whole market. That was faster than more than two-thirds of them. It made its first loans in 2025 in Columbus, OH, in Crestview-Fort Walton Beach-Destin, FL, and in non-metro Illinois and Virginia; it now lends in 12 states.
Borrowers with low or moderate incomes (LMI) took 36.5% of its loans, against 25.4% at similar lenders, more than at four in five of them. It also made 21.8% of its loans in LMI neighborhoods, against 15.9%. Its typical loan, $135,000, is smaller than at more than four in five peers.
It denied 0.9% of first-lien home-purchase applications, against 6.4% at similar lenders, among the lowest tenth of them.
Its best rank is in non-metro Kansas, 22nd of 398 lenders. In Wichita, where it has lent since 1990, it ranks 46 of 367 and its share rose from 0.4% to 0.5%. Peoples Bank and Trust Company leads Wichita, ahead of Rocket Mortgage.
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, 2022–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. The First National Bank of Hutchinson took 263 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 64.5% · Refinance 28.2% · Home improvement 5.3% · Other 2.0%
Conventional 100.0% · of 245 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 | 211 | 86.1% |
| Colorado | 12 | 4.9% |
| Ohio | 5 | 2.0% |
| Oklahoma | 5 | 2.0% |
| Florida | 3 | 1.2% |
| Iowa | 2 | 0.8% |
| New Mexico | 2 | 0.8% |
| Arizona | 1 | 0.4% |
| Idaho | 1 | 0.4% |
| Illinois | 1 | 0.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Wichita | 76 |
| Oklahoma City | 3 |
| Crestview-Fort Walton Beach-Destin | 2 |
| Canton-Massillon | 1 |
| Columbus | 1 |
| Kansas City | 1 |
| Lawrence | 1 |
| Palm Bay-Melbourne-Titusville | 1 |
| Phoenix-Mesa-Chandler | 1 |
| Santa Fe | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300SPHVO4KAGQUX53 | 2022–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 754853 | 2013–2023 |
| Respondent ID (the HMDA filer code before 2018) | 13180 | 2013–2017 |
Established 2 May 1876. Reported under HMDA 2013-2025.
Mergers, name changes, data editions and corrections: The First National Bank of Hutchinson's data.
The First National Bank of Hutchinson's data
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The First National Bank of Hutchinson 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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