Applications / Mortgage Analytics / Lenders / Kansas / ESB Financial
Emporia, KS · State non-member bank · FDIC · $381 million assets · 132 loans in 2025
ESB Financial's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
132
loans originated, 2025
136
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
ESB Financial, a Kansas bank, made a third more loans in 2025 than in 2024, though still fewer than half as many as in 2020.
Its loans rose 33% to 132, against 10% at similar lenders (state non-member banks making between half and twice as many loans) and at the whole market. That was faster than at about four in five peers. It made 302 loans in 2020. Refinances were 54.5% of its loans and purchases 45.5%.
Majority-minority neighborhoods took 25.0% of its loans, against 5.1% at similar lenders, more than at about four in five of them. The share was 16.2% in 2024 and 0.3% in 2020. The figures do not show which counties drove the rise.
None of its loans was higher-priced (a rate well above the average for similar loans), against 3.3% at similar lenders. Its typical rate, 6.75%, was lower than at about three in four, whose typical rate was 6.99%.
Its largest market is non-metro Kansas, where it ranks 26 of 398 lenders and Rocket Mortgage leads. It lends in 22 counties across two states; in Kansas City it ranks 324 of 659.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. ESB Financial took 136 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 54.5% · Purchase 45.5%
Conventional 100.0% · of 132 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 | 128 | 97.0% |
| Missouri | 4 | 3.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Manhattan | 23 |
| Kansas City | 10 |
| Lawrence | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 54930011U6TQ5MJCDV15 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 918954 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 316629 | 2009–2017 |
Established 16 March 1901. Reported under HMDA 2009-2025.
Mergers, name changes, data editions and corrections: ESB Financial's data.
ESB Financial's data
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