Applications / Mortgage Analytics / Lenders / Kansas / First Option Bank
First Option Bank
Osawatomie, KS · State member bank · FRS · $816 million assets · 136 loans in 2025
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136
loans originated, 2025
180
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
FIG. 1 — LOANS ORIGINATED, 2018–2025
136 loans in 2025, against a peak of 309 in 2020.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. First Option Bank took 180 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
49.3% of its 2025 loans were refinance loans; 100.0% were Conventional.
Refinance 49.3% · Purchase 39.7% · Home improvement 7.4% · Other 3.7%
Conventional 100.0% · of 136 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
5 states, 7 metros, 19 counties
| State | Loans | Share |
|---|---|---|
| Kansas | 99 | 72.8% |
| Missouri | 34 | 25.0% |
| Florida | 1 | 0.7% |
| Iowa | 1 | 0.7% |
| Oklahoma | 1 | 0.7% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Kansas City | 104 |
| St. Joseph | 18 |
| Des Moines-West Des Moines | 1 |
| Lawrence | 1 |
| North Port-Bradenton-Sarasota | 1 |
| Oklahoma City | 1 |
| Topeka | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900IHGFQJY2WUC891 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 285852 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 2285852 | 1998–2017 |
Established 6 September 1923. Reported under HMDA 1998-2025.
Mergers, name changes, data editions and corrections: First Option Bank's data.
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