Applications / Mortgage Analytics / Lenders / Kansas / LeaderOne Financial
Overland Park, KS · Independent non-bank lender · CFPB · 5,519 loans in 2025
LeaderOne Financial's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
5,519
loans originated, 2025
8,132
applications, 2025
39
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
LeaderOne Financial, a home-purchase lender based in Overland Park, grew 21% in 2025 and now ranks 11 of 659 lenders in Kansas City, with a fast-rising share in some small markets.
Purchases made up 85.8% of its 5,519 loans. Its count rose 21% from 4,570, against 11% at similar lenders, meaning independent non-banks making between half and twice as many loans, and 10% for the whole market. It remains far below the 21,499 loans it made in 2020.
Kansas City is its largest market, where its share rose to 1.7% from 1.4%. CommunityAmerica Federal Credit Union and Fairway Independent Mortgage led it. It lends in 39 states and 218 metros, and in two small markets it is among the leaders: third in Merced, with 6.3%, up from 4.1%, and third in Sebring, with 5.8%.
Its typical loan was $255,000, against $315,000 at similar lenders, lower than four in five of them. Some 28.9% of its loans were insured by the Federal Housing Administration (FHA), against 24.9% for peers, and 1.9% were guaranteed by the Department of Agriculture's Rural Housing Service (RHS), against 0.7%.
Some 36.2% of its loans went to low- and moderate-income (LMI) borrowers, against 28.2% at similar lenders, and 23.1% to LMI neighborhoods, against 19.5%. Both shares are higher than at four in five of its peers, and the borrower share rose from 32.2% a year earlier. Its smaller loans and government-backed lending fit that pattern.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. LeaderOne Financial took 8,132 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 85.8% · Refinance 14.2%
Conventional 60.2% · FHA 28.9% · VA 8.9% · USDA (RHS or FSA) 1.9% · of 5,519 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 |
|---|---|---|
| Missouri | 1,526 | 27.6% |
| Illinois | 660 | 12.0% |
| Florida | 521 | 9.4% |
| California | 395 | 7.2% |
| Kansas | 382 | 6.9% |
| Washington | 233 | 4.2% |
| Alabama | 224 | 4.1% |
| Indiana | 223 | 4.0% |
| Maine | 215 | 3.9% |
| Georgia | 191 | 3.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Kansas City | 1,159 |
| Chicago-Naperville-Schaumburg | 467 |
| St. Louis | 374 |
| Merced | 214 |
| Sebring | 152 |
| Chattanooga | 141 |
| Birmingham | 124 |
| Bangor | 112 |
| Tampa | 94 |
| Lake County-Porter County-Jasper County | 86 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493000NYUJT9UC6G261 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 4182771 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7481148159 |
Established 15 October 1993. Reported under HMDA 2009-2025.
Mergers, name changes, data editions and corrections: LeaderOne Financial's data.
LeaderOne Financial's data
$215
LeaderOne 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.
Buy LeaderOne Financial'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]