FIRST OPTION BANK
FIRST OPTION BANK received 180 applications in 2025 and made 136 mortgages, in 23 counties across 5 states. The median rate its borrowers got was Not published on a median loan of $195,000. Of 177 decisions, 17 were denials — 9.6%.
| Legal Entity Identifier | 254900IHGFQJY2WUC891 |
|---|---|
| Applications received | 180 |
| Mortgages made | 136 |
| Denied | 17 |
| Approved, not taken up | 24 |
| Withdrawn or incomplete | 3 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: First Option Bank, 10 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 54 | Not published | $210,000 | 14.0% |
| Refinancing | 36 | Not published | $275,000 | 2.6% |
| Cash-out refinancing | 31 | Not published | $205,000 | 10.8% |
| Other purposes | 15 | Not published | $45,000 | 0.0% |
Where FIRST OPTION BANK lends most
The 23 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Miami County, KS | 41 | Not published | 12.3% |
| Johnson County, KS | 31 | Not published | 8.8% |
| Buchanan County, MO | 13 | Not published | 6.7% |
| Linn County, KS | 11 | Not published | 22.2% |
| Cass County, MO | 7 | Under 10 loans | 12.5% |
| Jackson County, MO | 5 | Under 10 loans | 0.0% |
| Platte County, MO | 4 | Under 10 loans | 0.0% |
| Anderson County, KS | 3 | Under 10 loans | 0.0% |
| Brown County, KS | 3 | Under 10 loans | 0.0% |
| Doniphan County, KS | 3 | Under 10 loans | 0.0% |
| Franklin County, KS | 3 | Under 10 loans | 0.0% |
| Clay County, MO | 3 | Under 10 loans | 0.0% |
| Wyandotte County, KS | 2 | Under 10 loans | 0.0% |
| Andrew County, MO | 2 | Under 10 loans | 0.0% |
| Sarasota County, FL | 1 | Under 10 loans | 0.0% |
| Polk County, IA | 1 | Under 10 loans | 0.0% |
| Douglas County, KS | 1 | Under 10 loans | 0.0% |
| Osage County, KS | 1 | Under 10 loans | 0.0% |
| Logan County, OK | 1 | Under 10 loans | 0.0% |
| Atchison County, KS | 0 | Under 10 loans | 0.0% |
| Sedgwick County, KS | 0 | Under 10 loans | 0.0% |
| Bates County, MO | 0 | Under 10 loans | 100.0% |
| Stone County, MO | 0 | Under 10 loans | 0.0% |
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When FIRST OPTION BANK’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.