Firstoak Bank in Kansas vs the state
26.7%Denial rate+11.64 pts vs state
30.8%Decision denial rate+12.49 pts vs state
56.7%Origination rate-7.15 pts vs state
—Median rate
—Rate spread (pts)
$79kMedian applicant income
17Loans originated
8Denied
Trend in Kansas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 29 | 24 | 6.9% | — | #249 |
| 2024 | 36 | 26 | 11.1% | — | #236 |
| 2025 | 30 | 17 | 26.7% | — | #271 |
What Firstoak Bank lends in Kansas
By loan purpose
By loan type
Where in Kansas
Counties with the most Firstoak Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Montgomery County | 20 | 13 | 3 | 15.0% |
| Wilson County | 6 | 3 | 2 | 33.3% |
| Butler County | 1 | 0 | 1 | 100.0% |
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: 30 applications in 2025, of which 17 were originated and 8 denied.
26.7% of all applications, or 30.8% 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 Firstoak 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