Applications / Mortgage Analytics / Lenders / Kansas / First Option Bank / Competition
First Option Bank
Osawatomie, KS · State member bank · FRS · $816 million assets · 136 loans in 2025
First Option Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
136
loans originated, 2025
180
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Who First Option Bank competes with, by dollars lent in 2025, in its five largest markets and the three it entered most recently. A Pareto chart puts the lenders in order of size and draws their running share, so the reader sees how concentrated each market is: where the line climbs steeply, a few lenders hold most of it.
FIG. 1 — KANSAS CITY, KS-MO, 2025
First Option Bank ranks 93rd of 659 lenders in Kansas City, KS-MO, with $34.0M lent: 0.2% of a $16.29B market.
Kansas City, KS-MO is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and First Option Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 34% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 2 — ST. JOSEPH, KS-MO, 2025
First Option Bank ranks 34th of 186 lenders in St. Joseph, KS-MO, with $2.6M lent: 0.6% of a $452.9M market.
St. Joseph, KS-MO is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and First Option Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 53% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 3 — NON-METRO KANSAS, 2025
First Option Bank ranks 223rd of 398 lenders in non-metro Kansas, with $675K lent: 0.0% of a $1.82B market.
non-metro Kansas is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and First Option Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 35% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 4 — LAWRENCE, KS, 2025
First Option Bank ranks 125th of 222 lenders in Lawrence, KS, with $535K lent: 0.1% of a $693.1M market.
Lawrence, KS is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and First Option Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 49% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 5 — OKLAHOMA CITY, OK, 2025
First Option Bank ranks 409th of 534 lenders in Oklahoma City, OK, with $445K lent: 0.0% of a $8.31B market.
Oklahoma City, OK is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and First Option Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 31% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 6 — NORTH PORT-BRADENTON-SARASOTA, FL, 2025
First Option Bank ranks 698th of 811 lenders in North Port-Bradenton-Sarasota, FL, with $305K lent: 0.0% of a $10.17B market.
North Port-Bradenton-Sarasota, FL is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and First Option Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 34% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 7 — DES MOINES-WEST DES MOINES, IA, 2025
First Option Bank ranks 371st of 396 lenders in Des Moines-West Des Moines, IA, with $145K lent: 0.0% of a $5.58B market.
Des Moines-West Des Moines, IA is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and First Option Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 43% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 8 — TOPEKA, KS, 2025
First Option Bank ranks 233rd of 236 lenders in Topeka, KS, with $65K lent: 0.0% of a $1.01B market.
Topeka, KS is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and First Option Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 48% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
The data and the software behind these pages
First Option Bank's data
$215
First Option 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.
Buy First Option Bank's data, $215Jenner Mortgage Analytics: all the data
$2,110
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]