First Option Bank in Kansas vs the state
10.8%Denial rate-4.26 pts vs state
10.9%Decision denial rate-7.34 pts vs state
76.2%Origination rate+12.33 pts vs state
—Median rate
—Rate spread (pts)
$121kMedian applicant income
99Loans originated
14Denied
Trend in Kansas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 149 | 128 | 8.7% | — | #104 |
| 2024 | 159 | 120 | 10.7% | — | #110 |
| 2025 | 130 | 99 | 10.8% | — | #139 |
What First Option Bank lends in Kansas
By loan purpose
By loan type
Where in Kansas
Counties with the most First Option Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Miami County | 57 | 41 | 7 | 12.3% |
| Johnson County | 35 | 31 | 3 | 8.6% |
| Linn County | 19 | 11 | 4 | 21.1% |
| Franklin County | 4 | 3 | 0 | 0.0% |
| Doniphan County | 3 | 3 | 0 | 0.0% |
| Brown County | 3 | 3 | 0 | 0.0% |
| Anderson County | 3 | 3 | 0 | 0.0% |
| Wyandotte County | 2 | 2 | 0 | 0.0% |
| Sedgwick County | 1 | 0 | 0 | 0.0% |
| Atchison County | 1 | 0 | 0 | 0.0% |
Other large lenders in Kansas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 5,303 | 18.0% | 6.63% |
| Communityamerica Credit Union | B | 3,575 | 12.4% | 6.38% |
| United Shore Financial Services | B | 2,545 | 11.4% | 6.38% |
| Mortgage Research Center | C | 2,389 | 15.1% | 6.25% |
| Fairway Independent Mortgage | B | 2,360 | 2.0% | 6.63% |
| Pennymac Loan Services | C | 2,103 | 10.8% | 6.49% |
| Credit Union of America | C | 1,940 | 22.9% | 7.75% |
| Capitol Federal Savings Bank | B | 1,873 | 12.6% | 6.75% |
| Guild Mortgage | A | 1,549 | 3.6% | 6.63% |
| U.S. Bank | D | 1,534 | 31.4% | 7.28% |
Frequently asked questions
Kansas: 130 applications in 2025, of which 99 were originated and 14 denied.
10.8% of all applications, or 10.9% of the applications it actually decided on. The Kansas statewide average across all lenders was 15.0%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are First Option Bank's own HMDA filing for properties located in Kansas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology