Applications / Mortgage Analytics / Lenders / Kansas / ESB Financial / Competition
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
Who ESB Financial 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 — NON-METRO KANSAS, 2025
ESB Financial ranks 26th of 398 lenders in non-metro Kansas, with $17.3M lent: 0.9% 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 ESB Financial 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 36% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 2 — MANHATTAN, KS, 2025
ESB Financial ranks 28th of 209 lenders in Manhattan, KS, with $5.0M lent: 0.7% of a $677.4M market.
Manhattan, KS is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and ESB Financial 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 — KANSAS CITY, KS-MO, 2025
ESB Financial ranks 324th of 659 lenders in Kansas City, KS-MO, with $2.3M lent: 0.0% 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 ESB Financial 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. 4 — LAWRENCE, KS, 2025
ESB Financial ranks 149th of 222 lenders in Lawrence, KS, with $395K 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 ESB Financial 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
FIG. 5 — NON-METRO MISSOURI, 2025
ESB Financial ranks 510th of 640 lenders in non-metro Missouri, with $285K lent: 0.0% of a $6.01B market.
non-metro Missouri is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and ESB Financial 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 36% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
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ESB Financial 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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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.
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