Applications / Mortgage Analytics / Lenders / Kansas / The First Security Bank
Overbrook, KS · State non-member bank · FDIC · $107 million assets · 48 loans in 2025
The First Security Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
48
loans originated, 2025
51
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The First Security Bank, a small Kansas lender, makes smaller loans than most of its peers and is gaining a little ground in Topeka.
Its typical loan in 2025 was $105,000, against $165,000 at the typical similar lender, meaning state non-member banks making between half and twice as many loans. That puts it among the smallest eighth. Home improvement made up 14.6% of its loans, which may help explain the size, beside 45.8% for purchases and 35.4% for refinances.
Its share of the Topeka market rose to 0.2% from 0.1%, and it ranked 78 of 236 lenders there. Its loans rose 20% to 48, faster than the 4% of similar lenders and the whole market's 10%. That is the most it has reported in any year since 2018, though it filed no report for 2020 to 2022, gaps in the record rather than years without lending.
Of its loans, 27.1% went to low- and moderate-income neighborhoods, against 18.5% for the typical peer, higher than about seven in ten. The share was 45.0% a year earlier. With 48 loans, a few borrowers move such figures a long way.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. 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 Security Bank took 51 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 45.8% · Refinance 35.4% · Home improvement 14.6% · Other 4.2%
Conventional 100.0% · of 48 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 | 48 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Kansas City | 23 |
| Topeka | 20 |
| Lawrence | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300SZJNKNV106AN10 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 460350 | 2013–2023 |
| Respondent ID (the HMDA filer code before 2018) | 34752 | 2013–2017 |
Established 3 April 1897. Reported under HMDA 2013-2025.
Mergers, name changes, data editions and corrections: The First Security Bank's data.
The First Security Bank's data
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The First Security 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.
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