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First Option Bank in Kansas
HMDA record for properties in Kansas, calendar year 2024. National record · Kansas overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
First Option Bank's 2024 HMDA record for Kansas covers 159 applications, 120 of them originated, worth $35m.
Its denial rate in the state was 11.0%, below the Kansas rate of 19.2% across all lenders and compared with the lender's national rate of 10.4%.
Applications in the state were up 7% on 2023.
Compared with the state and the lender's national record
| Measure | In Kansas | Kansas, all lenders | First Option Bank, all states | United States |
|---|---|---|---|---|
| Denial rate | 11.0% | 19.2% | 10.4% | 24.3% |
| Median rate spread, pp | — | 0.4 | — | 0.3 |
| Originations with spread of 1.5 pp or more | — | 14.2% | — | 15.6% |
| Average originated loan | $293k | $242k | $285k | $329k |
| Home purchase share | 46.7% | 58.5% | 49.1% | 57.0% |
| FHA-insured share | 0.0% | 11.3% | 0.0% | 13.4% |
| VA-guaranteed share | 0.0% | 9.3% | 0.0% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateKansas, all lenders
Loan purpose and loan type in Kansas
By purpose
Home purchase 47% (56)Home improvement 2% (2)Refinancing 19% (23)Cash-out refinancing 33% (39)
By type
Conventional 100% (120)
Denial reasons as coded
Withheld: fewer than 25 denials in the state.
Counties in Kansas
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Miami County | 76 | 54 | $14m | 14.7% |
| Johnson County | 40 | 34 | $16m | 0.0% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did First Option Bank originate in Kansas in 2024?
120 loans totalling $35m, from 159 applications reported for properties in Kansas.
What is First Option Bank's denial rate in Kansas?
11.0% of decided applications in Kansas were denied, against 19.2% for all lenders in the state and 10.4% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Kansas counties does First Option Bank lend in most?
By originations: Miami County (54), Johnson County (34).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Kansas. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.