First Federal Bank Of Kansas City Mortgage Rates, Fees & Info

Kansas City, MO

LEI: 549300W5A6PQ1VJG3497

Tax ID: 44-0246815

5 stars - out of 5 stars, based on 42 reviews

2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

  • SimulatedRates™
  • Bank Data

    Review & Overview

    First Federal Bank Of Kansas City is a smaller bank specializing in Refi and Home Purchase loans. First Federal Bank Of Kansas City has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets by origination volume include: Kansas City, Boston, Las Vegas, Washington, and Tampa among others. We have data for 224 markets. (Some data included below & more in-depth data is available with an active subscription.)

    First Federal Bank Of Kansas City has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. First Federal Bank Of Kansas City is typically an average fee lender. They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender in 2021-- chances are they are still one in 2022.

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    SimulatedRates™

    Mortgage Type
    Simulated Rate Simulation Date
    30 Year Conventional Purchase 5.50% 8/6/22
    30 Year Conventional Refi 5.41% 8/6/22
    30 Year Cash-out Refi 5.56% 8/6/22
    30 Year FHA Purchase 6.30% 8/6/22
    30 Year FHA Refi 5.71% 8/6/22
    30 Year VA Purchase 5.08% 8/6/22
    30 Year VA Refi 4.87% 8/6/22
    30 Year USDA Purchase 5.74% 8/6/22
    15 Year Conventional Purchase 4.38% 8/6/22
    15 Year Conventional Refi 4.41% 8/6/22
    15 Year Cash-out Refi 4.41% 8/6/22
    15 Year VA Refi 4.36% 8/6/22
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.


    Originations

    1,795

    Origination Dollar Volume (All Markets)

    $582,895,000

    Employee count

    161 Show all (14) awards

    Relative Rate

    First Federal Bank Of Kansas City's average 30 year fixed rate mortgage of loans were 2.82%.

    The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.

    This yields a difference of -0.33%.

    Relative Fees

    First Federal Bank Of Kansas City's average total fees for a 30 year fixed rate mortgage are $3,870.

    The average total origination fees for 30 year fixed rate mortgages (for all loan values, including both points & up-front fees in addition to origination fees) are $4,750.

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    KANSAS CITY, MO-KS (FHA|USDA|VA) » 847 $255,425,000 $301,564 $3,448 2.90%
    Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) » 55 $20,935,000 $380,636 $4,680 2.52%
    LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) » 42 $14,930,000 $355,476 $4,069 2.83%
    Outside of Metro Areas 40 $11,950,000 $298,750 $3,849 2.68%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) » 30 $11,940,000 $398,000 $4,908 2.58%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) » 29 $9,835,000 $339,138 $4,697 2.76%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) » 27 $9,625,000 $356,481 $2,764 2.67%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) » 22 $7,700,000 $350,000 $4,808 2.54%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) » 16 $7,110,000 $444,375 $3,346 2.62%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) » 24 $6,950,000 $289,583 $4,130 2.76%
    Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) » 15 $6,775,000 $451,667 $5,169 2.51%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) » 23 $6,655,000 $289,348 $4,607 2.86%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) » 12 $6,410,000 $534,167 $3,525 2.55%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) » 8 $6,270,000 $783,750 $5,626 2.84%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) » 15 $6,235,000 $415,667 $5,984 2.76%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) » 17 $5,915,000 $347,941 $6,465 2.75%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) » 20 $5,860,000 $293,000 $3,641 2.63%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) » 14 $5,220,000 $372,857 $3,817 2.77%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) » 12 $5,180,000 $431,667 $4,021 2.71%
    BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) » 12 $4,840,000 $403,333 $3,995 2.52%
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) » 13 $4,795,000 $368,846 $2,985 2.41%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) » 13 $4,695,000 $361,154 $6,853 2.43%
    San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) » 6 $4,230,000 $705,000 $4,566 2.48%
    PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) » 12 $4,070,000 $339,167 $3,608 2.51%
    NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) » 8 $3,680,000 $460,000 $7,242 2.97%
    CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) » 6 $3,560,000 $593,333 $5,201 2.50%
    COLORADO SPRINGS, CO (FHA|USDA|VA) » 8 $3,370,000 $421,250 $7,027 2.70%
    ST. LOUIS, MO-IL (FHA|USDA|VA) » 11 $3,095,000 $281,364 $3,064 2.90%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) » 7 $2,765,000 $395,000 $2,406 2.34%
    HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) » 13 $2,745,000 $211,154 $2,658 2.58%
    RICHMOND, VA (FHA|USDA|VA) » 6 $2,680,000 $446,667 $3,486 2.60%
    BOISE CITY, ID (FHA|USDA|VA) » 6 $2,610,000 $435,000 $3,740 2.40%
    PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) » 8 $2,380,000 $297,500 $2,502 2.67%
    LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) » 5 $2,355,000 $471,000 $3,817 2.35%
    LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) » 6 $2,310,000 $385,000 $3,493 2.40%
    GREENVILLE-ANDERSON, SC (FHA|USDA|VA) » 6 $2,160,000 $360,000 $3,742 2.77%
    JACKSONVILLE, FL (FHA|USDA|VA) » 8 $2,100,000 $262,500 $4,679 2.78%
    WORCESTER, MA-CT (FHA|USDA|VA) » 7 $2,075,000 $296,429 $5,338 2.36%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) » 6 $2,060,000 $343,333 $6,231 2.63%
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) » 5 $1,865,000 $373,000 $5,734 2.63%
    SALINAS, CA (FHA|USDA|VA) » 4 $1,790,000 $447,500 $2,855 2.88%
    RALEIGH-CARY, NC (FHA|USDA|VA) » 5 $1,765,000 $353,000 $3,583 2.73%
    Warrensburg, MO (FHA|USDA|VA) » 8 $1,760,000 $220,000 $3,234 2.72%
    TUCSON, AZ (FHA|USDA|VA) » 4 $1,740,000 $435,000 $3,649 2.59%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) » 4 $1,740,000 $435,000 $7,315 2.66%
    BEND, OR (FHA|USDA|VA) » 4 $1,700,000 $425,000 $3,709 2.78%
    WICHITA, KS (FHA|USDA|VA) » 8 $1,640,000 $205,000 $2,436 2.92%
    CLEVELAND-ELYRIA, OH (FHA|USDA|VA) » 5 $1,635,000 $327,000 $3,551 2.63%
    BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) » 4 $1,630,000 $407,500 $3,319 2.72%
    FAYETTEVILLE, NC (FHA|USDA|VA) » 5 $1,615,000 $323,000 $2,718 2.48%
    NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) » 4 $1,570,000 $392,500 $2,706 2.25%
    PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) » 4 $1,560,000 $390,000 $3,126 2.91%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) » 6 $1,520,000 $253,333 $1,612 2.63%
    PUNTA GORDA, FL (FHA|USDA|VA) » 3 $1,455,000 $485,000 $17,117 2.46%
    BARNSTABLE TOWN, MA (FHA|USDA|VA) » 4 $1,430,000 $357,500 $4,538 2.72%
    FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) » 4 $1,410,000 $352,500 $2,992 2.78%
    LAWRENCE, KS (FHA|USDA|VA) » 6 $1,400,000 $233,333 $3,245 3.04%
    MANCHESTER-NASHUA, NH (FHA|USDA|VA) » 5 $1,375,000 $275,000 $2,707 2.58%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) » 3 $1,305,000 $435,000 $10,165 2.83%
    SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) » 2 $1,210,000 $605,000 $3,301 3.00%
    COLUMBUS, GA-AL (FHA|USDA|VA) » 4 $1,170,000 $292,500 $3,931 2.56%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) » 1 $1,085,000 $1,085,000 $5,788 3.88%
    PITTSBURGH, PA (FHA|USDA|VA) » 3 $1,085,000 $361,667 $4,202 2.58%
    HARRISBURG-CARLISLE, PA (FHA|USDA|VA) » 4 $1,050,000 $262,500 $4,059 2.53%
    ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) » 3 $1,035,000 $345,000 $5,062 2.17%
    SPRINGFIELD, MO (FHA|USDA|VA) » 4 $1,020,000 $255,000 $3,848 2.75%
    CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) » 2 $990,000 $495,000 $8,567 2.31%
    OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) » 2 $970,000 $485,000 $3,844 2.31%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) » 2 $970,000 $485,000 $5,370 2.38%
    MEDFORD, OR (FHA|USDA|VA) » 4 $970,000 $242,500 $3,853 3.13%
    CHARLOTTESVILLE, VA (FHA|USDA|VA) » 3 $945,000 $315,000 $2,890 2.67%
    HUNTSVILLE, AL (FHA|USDA|VA) » 2 $930,000 $465,000 $635 2.25%
    NORWICH-NEW LONDON, CT (FHA|USDA|VA) » 4 $920,000 $230,000 $3,240 2.84%
    BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) » 2 $910,000 $455,000 $13,980 2.94%
    SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) » 1 $885,000 $885,000 $6,489 2.25%
    COLUMBUS, OH (FHA|USDA|VA) » 3 $885,000 $295,000 $2,414 2.42%
    ANCHORAGE, AK (FHA|USDA|VA) » 2 $880,000 $440,000 $3,130 2.25%
    RENO, NV (FHA|USDA|VA) » 3 $875,000 $291,667 $3,038 2.71%
    SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) » 2 $860,000 $430,000 $3,888 2.63%
    SALT LAKE CITY, UT (FHA|USDA|VA) » 3 $845,000 $281,667 $3,839 2.63%
    TULSA, OK (FHA|USDA|VA) » 3 $835,000 $278,333 $6,165 2.75%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) » 3 $835,000 $278,333 $1,971 2.29%
    TERRE HAUTE, IN (FHA|USDA|VA) » 3 $835,000 $278,333 $2,319 2.71%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) » 2 $820,000 $410,000 $3,781 3.06%
    OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) » 3 $815,000 $271,667 $4,556 2.50%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) » 4 $800,000 $200,000 $3,187 2.69%
    SAVANNAH, GA (FHA|USDA|VA) » 3 $795,000 $265,000 $5,196 2.33%
    FRESNO, CA (FHA|USDA|VA) » 2 $790,000 $395,000 $5,408 2.50%
    BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) » 2 $770,000 $385,000 $3,212 2.69%
    GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) » 2 $770,000 $385,000 $2,390 2.50%
    SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) » 1 $755,000 $755,000 $3,482 2.88%
    GULFPORT-BILOXI, MS (FHA|USDA|VA) » 3 $755,000 $251,667 $2,401 2.25%
    KNOXVILLE, TN (FHA|USDA|VA) » 3 $755,000 $251,667 $1,589 2.50%
    MERCED, CA (FHA|USDA|VA) » 2 $740,000 $370,000 $2,643 2.69%
    KENNEWICK-RICHLAND, WA (FHA|USDA|VA) » 2 $740,000 $370,000 $2,624 2.88%
    GRANTS PASS, OR (FHA|USDA|VA) » 2 $730,000 $365,000 $3,131 2.75%
    REDDING, CA (FHA|USDA|VA) » 1 $725,000 $725,000 $600 2.75%
    BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) » 4 $720,000 $180,000 $2,956 3.16%
    Edwards, CO (FHA|USDA|VA) » 1 $715,000 $715,000 $2,137 2.25%
    Detroit-Warren-Dearborn, MI (FHA|USDA|VA) » 2 $710,000 $355,000 $3,157 3.19%
    DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) » 2 $680,000 $340,000 $7,600 3.38%
    ST. JOSEPH, MO-KS (FHA|USDA|VA) » 3 $665,000 $221,667 $2,763 3.17%
    CINCINNATI, OH-KY-IN (FHA|USDA|VA) » 3 $655,000 $218,333 $5,890 2.67%
    SPRINGFIELD, MA (FHA|USDA|VA) » 3 $645,000 $215,000 $2,327 2.88%
    MUSKEGON, MI (FHA|USDA|VA) » 2 $640,000 $320,000 $3,220 2.50%
    SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) » 2 $640,000 $320,000 $8,770 2.38%
    MISSOULA, MT (FHA|USDA|VA) » 2 $640,000 $320,000 $11,136 3.31%
    YORK-HANOVER, PA (FHA|USDA|VA) » 2 $620,000 $310,000 $8,332 2.63%
    WACO, TX (FHA|USDA|VA) » 2 $620,000 $310,000 $6,520 2.88%
    GRAND JUNCTION, CO (FHA|USDA|VA) » 2 $600,000 $300,000 $5,368 2.44%
    NEW HAVEN-MILFORD, CT (FHA|USDA|VA) » 3 $595,000 $198,333 $2,449 2.79%
    ERIE, PA (FHA|USDA|VA) » 2 $590,000 $295,000 $5,614 2.63%
    PORT ST. LUCIE, FL (FHA|USDA|VA) » 2 $590,000 $295,000 $2,835 2.94%
    CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) » 1 $585,000 $585,000 $6,715 2.25%
    Lebanon, NH-VT (FHA|USDA|VA) » 2 $580,000 $290,000 $6,462 2.69%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) » 3 $575,000 $191,667 $3,481 2.33%
    JACKSONVILLE, NC (FHA|USDA|VA) » 2 $570,000 $285,000 $6,163 2.88%
    DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) » 3 $565,000 $188,333 $1,776 2.83%
    CHATTANOOGA, TN-GA (FHA|USDA|VA) » 2 $560,000 $280,000 $2,598 2.38%
    Steamboat Springs, CO (FHA|USDA|VA) » 1 $535,000 $535,000 $5,049 2.88%
    OKLAHOMA CITY, OK (FHA|USDA|VA) » 3 $535,000 $178,333 $2,581 2.42%
    JOPLIN, MO (FHA|USDA|VA) » 2 $530,000 $265,000 $3,200 2.56%
    Sandpoint, ID (FHA|USDA|VA) » 1 $505,000 $505,000 $7,135 3.00%
    CORPUS CHRISTI, TX (FHA|USDA|VA) » 1 $505,000 $505,000 $5,313 3.13%
    BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) » 2 $500,000 $250,000 $1,741 2.31%
    TOPEKA, KS (FHA|USDA|VA) » 4 $490,000 $122,500 $2,391 3.28%
    BATON ROUGE, LA (FHA|USDA|VA) » 1 $485,000 $485,000 $4,309 2.25%
    SANTA FE, NM (FHA|USDA|VA) » 1 $485,000 $485,000 $4,749 2.88%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) » 1 $465,000 $465,000 $11,427 2.75%
    JEFFERSON CITY, MO (FHA|USDA|VA) » 1 $445,000 $445,000 $1,859 2.25%
    SAN ANGELO, TX (FHA|USDA|VA) » 1 $435,000 $435,000 $11,814 2.75%
    TUSCALOOSA, AL (FHA|USDA|VA) » 1 $435,000 $435,000 $0 2.25%
    Breckenridge, CO (FHA|USDA|VA) » 1 $425,000 $425,000 $0 3.63%
    Torrington, CT (FHA|USDA|VA) » 2 $410,000 $205,000 $2,515 2.81%
    Bennington, VT (FHA|USDA|VA) » 1 $405,000 $405,000 $7,021 2.63%
    PANAMA CITY, FL (FHA|USDA|VA) » 2 $400,000 $200,000 $4,519 3.25%
    DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) » 1 $395,000 $395,000 $3,590 2.88%
    FARGO, ND-MN (FHA|USDA|VA) » 1 $395,000 $395,000 $2,793 3.00%
    MORRISTOWN, TN (FHA|USDA|VA) » 1 $385,000 $385,000 $8,774 2.25%
    COLUMBIA, SC (FHA|USDA|VA) » 1 $385,000 $385,000 $3,746 2.75%
    COLUMBIA, MO (FHA|USDA|VA) » 2 $380,000 $190,000 $2,142 2.88%
    SALISBURY, MD-DE (FHA|USDA|VA) » 2 $380,000 $190,000 $7,763 2.75%
    Watertown-Fort Atkinson, WI (FHA|USDA|VA) » 1 $375,000 $375,000 $1,102 2.25%
    FORT WAYNE, IN (FHA|USDA|VA) » 1 $375,000 $375,000 $1,952 2.25%
    LAFAYETTE, LA (FHA|USDA|VA) » 1 $365,000 $365,000 $14,449 2.25%
    Laconia, NH (FHA|USDA|VA) » 1 $365,000 $365,000 $2,562 2.25%
    MADERA, CA (FHA|USDA|VA) » 1 $355,000 $355,000 $3,807 3.13%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) » 3 $355,000 $118,333 $1,802 3.21%
    Mountain Home, ID (FHA|USDA|VA) » 1 $355,000 $355,000 $8,273 2.25%
    COLUMBUS, IN (FHA|USDA|VA) » 1 $345,000 $345,000 $1,808 2.25%
    ST. GEORGE, UT (FHA|USDA|VA) » 1 $335,000 $335,000 $2,583 3.13%
    Roswell, NM (FHA|USDA|VA) » 1 $325,000 $325,000 $600 2.75%
    AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) » 1 $325,000 $325,000 $1,387 2.25%
    Roseburg, OR (FHA|USDA|VA) » 1 $315,000 $315,000 $6,117 3.25%
    SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) » 1 $315,000 $315,000 $2,946 2.75%
    Whitewater, WI (FHA|USDA|VA) » 1 $315,000 $315,000 $4,115 3.00%
    ROCHESTER, MN (FHA|USDA|VA) » 1 $305,000 $305,000 $2,557 2.88%
    POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) » 1 $305,000 $305,000 $3,459 3.38%
    Greeneville, TN (FHA|USDA|VA) » 1 $305,000 $305,000 $12,905 2.63%
    MONROE, MI (FHA|USDA|VA) » 1 $305,000 $305,000 $0 2.63%
    Meadville, PA (FHA|USDA|VA) » 1 $305,000 $305,000 $3,434 2.75%
    NEW BERN, NC (FHA|USDA|VA) » 1 $295,000 $295,000 $2,673 2.75%
    GREENVILLE, NC (FHA|USDA|VA) » 1 $295,000 $295,000 $3,254 2.50%
    LAS CRUCES, NM (FHA|USDA|VA) » 1 $295,000 $295,000 $3,614 2.25%
    SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) » 1 $295,000 $295,000 $3,887 2.63%
    ROCKFORD, IL (FHA|USDA|VA) » 1 $285,000 $285,000 $0 2.88%
    Richmond-Berea, KY (FHA|USDA|VA) » 1 $285,000 $285,000 $2,091 2.25%
    Bogalusa, LA (FHA|USDA|VA) » 1 $285,000 $285,000 $1,912 2.25%
    SUMTER, SC (FHA|USDA|VA) » 1 $275,000 $275,000 $9,318 2.75%
    MONTGOMERY, AL (FHA|USDA|VA) » 1 $275,000 $275,000 $1,149 2.25%
    LEXINGTON-FAYETTE, KY (FHA|USDA|VA) » 1 $275,000 $275,000 $3,486 2.75%
    GAINESVILLE, FL (FHA|USDA|VA) » 1 $275,000 $275,000 $2,890 2.75%
    Brenham, TX (FHA|USDA|VA) » 1 $275,000 $275,000 $2,943 2.25%
    JACKSON, MS (FHA|USDA|VA) » 1 $265,000 $265,000 $1,267 2.25%
    DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) » 1 $265,000 $265,000 $2,126 2.25%
    OGDEN-CLEARFIELD, UT (FHA|USDA|VA) » 1 $265,000 $265,000 $252 2.25%
    Kill Devil Hills, NC (FHA|USDA|VA) » 1 $265,000 $265,000 $2,427 2.75%
    Rolla, MO (FHA|USDA|VA) » 1 $265,000 $265,000 $890 2.25%
    GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) » 1 $255,000 $255,000 $2,785 2.88%
    LOGAN, UT-ID (FHA|USDA|VA) » 1 $255,000 $255,000 $2,391 2.25%
    Lumberton, NC (FHA|USDA|VA) » 1 $255,000 $255,000 $1,925 2.25%
    FARMINGTON, NM (FHA|USDA|VA) » 1 $255,000 $255,000 $2,281 2.63%
    DECATUR, IL (FHA|USDA|VA) » 1 $245,000 $245,000 $2,190 2.63%
    HAMMOND, LA (FHA|USDA|VA) » 1 $245,000 $245,000 $2,709 2.25%
    SPARTANBURG, SC (FHA|USDA|VA) » 1 $245,000 $245,000 $2,206 2.25%
    Tahlequah, OK (FHA|USDA|VA) » 1 $235,000 $235,000 $11,009 2.25%
    JACKSON, MI (FHA|USDA|VA) » 1 $235,000 $235,000 $2,805 2.88%
    Athens, TN (FHA|USDA|VA) » 1 $235,000 $235,000 $10,124 3.00%
    BOULDER, CO (FHA|USDA|VA) » 1 $235,000 $235,000 $1,998 2.88%
    STATE COLLEGE, PA (FHA|USDA|VA) » 1 $235,000 $235,000 $3,160 2.25%
    LEBANON, PA (FHA|USDA|VA) » 1 $225,000 $225,000 $3,794 2.25%
    ROCHESTER, NY (FHA|USDA|VA) » 1 $215,000 $215,000 $2,831 2.25%
    ASHEVILLE, NC (FHA|USDA|VA) » 1 $215,000 $215,000 $6,763 2.25%
    PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) » 1 $205,000 $205,000 $3,531 3.00%
    Alexander City, AL (FHA|USDA|VA) » 1 $205,000 $205,000 $2,882 2.50%
    Pittsburg, KS (FHA|USDA|VA) » 1 $205,000 $205,000 $2,327 2.88%
    Dodge City, KS (FHA|USDA|VA) » 1 $205,000 $205,000 $2,186 3.13%
    LaGrange, GA-AL (FHA|USDA|VA) » 1 $205,000 $205,000 $2,844 2.25%
    Concord, NH (FHA|USDA|VA) » 1 $205,000 $205,000 $2,938 3.00%
    LANCASTER, PA (FHA|USDA|VA) » 1 $205,000 $205,000 $10,731 2.25%
    OSHKOSH-NEENAH, WI (FHA|USDA|VA) » 1 $195,000 $195,000 $2,832 2.88%
    ELMIRA, NY (FHA|USDA|VA) » 1 $195,000 $195,000 $2,735 2.88%
    PEORIA, IL (FHA|USDA|VA) » 1 $185,000 $185,000 $2,755 2.75%
    SHEBOYGAN, WI (FHA|USDA|VA) » 1 $185,000 $185,000 $2,495 2.38%
    YUBA CITY, CA (FHA|USDA|VA) » 1 $175,000 $175,000 $2,239 2.25%
    Richmond, IN (FHA|USDA|VA) » 1 $175,000 $175,000 $1,728 2.88%
    DAYTON-KETTERING, OH (FHA|USDA|VA) » 1 $175,000 $175,000 $1,823 2.25%
    Keene, NH (FHA|USDA|VA) » 1 $165,000 $165,000 $2,032 2.13%
    FLORENCE, SC (FHA|USDA|VA) » 1 $165,000 $165,000 $3,408 3.00%
    BOWLING GREEN, KY (FHA|USDA|VA) » 1 $165,000 $165,000 $1,044 2.25%
    Grand Rapids, MN (FHA|USDA|VA) » 1 $155,000 $155,000 $1,746 2.25%
    NILES, MI (FHA|USDA|VA) » 1 $145,000 $145,000 $2,343 2.25%
    Mexico, MO (FHA|USDA|VA) » 1 $145,000 $145,000 $3,495 2.88%
    SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) » 1 $145,000 $145,000 $3,334 2.25%
    North Platte, NE (FHA|USDA|VA) » 1 $145,000 $145,000 $2,482 2.38%
    TALLAHASSEE, FL (FHA|USDA|VA) » 1 $135,000 $135,000 $0 4.13%
    LUBBOCK, TX (FHA|USDA|VA) » 1 $135,000 $135,000 $3,954 3.13%
    FORT SMITH, AR-OK (FHA|USDA|VA) » 1 $135,000 $135,000 $2,960 3.00%
    LANSING-EAST LANSING, MI (FHA|USDA|VA) » 1 $125,000 $125,000 $2,302 2.63%
    Emporia, KS (FHA|USDA|VA) » 1 $115,000 $115,000 $2,377 2.25%
    ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) » 1 $115,000 $115,000 $2,738 3.50%
    Coffeyville, KS (FHA|USDA|VA) » 1 $105,000 $105,000 $2,508 3.00%
    SALEM, OR (FHA|USDA|VA) » 1 $105,000 $105,000 $1,964 2.88%
    Statesboro, GA (FHA|USDA|VA) » 1 $85,000 $85,000 $0 2.75%

    First Federal Bank Of Kansas City's top markets include Kansas City, Boston, Las Vegas, Washington, and Tampa among others.

    Product Mix

    Loan Type Originations Total Value Average Loan Average Fees Average Rate
    Conventional » 1,298 $399,330,000 $307,650 $3,360 2.89%
    VA » 460 $175,270,000 $381,022 $4,915 2.43%
    FHA » 36 $7,990,000 $221,944 $6,996 2.90%
    USDA » 1 $305,000 $305,000 $6,553 2.88%

    For the 2021 period, First Federal Bank Of Kansas City's most frequently originated loan type of loans were Conventional, with 1,298 originations. Their 2nd most popular type is VA, with 460 originations.

    Loan Reason

    Loan Reason Originations Total Value Average Loan Average Fees Average Rate
    Refi » 826 $244,730,000 $296,283 $2,825 2.61%
    Home Purchase » 598 $227,300,000 $380,100 $5,365 2.94%
    Cash Out Refi » 358 $107,970,000 $301,592 $3,903 2.88%
    Other » 9 $2,305,000 $256,111 $3,051 2.92%
    Home Improvement » 4 $590,000 $147,500 $3,092 2.81%

    For the 2021, First Federal Bank Of Kansas City's most frequently cited loan purpose of loans were Refi, with 826 originations. The 2nd most popular reason of loans were Home Purchase, with 598 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year » 1,289 $417,365,000 $323,790 $3,870 2.82%
    15 Year » 272 $66,530,000 $244,596 $2,723 2.42%
    30+ year » 106 $69,660,000 $657,170 $9,148 3.00%
    20 Year » 75 $14,545,000 $193,933 $3,534 3.05%
    Other » 36 $12,120,000 $336,667 $3,920 2.59%
    10 Year » 17 $2,675,000 $157,353 $2,438 2.39%

    For the 2021, First Federal Bank Of Kansas City's most frequently cited loan length of loans were 30 Year, with 1,289 originations. The 2nd most popular length of loans were 15 Year, with 272 originations.

    Origination Fees

    Origination Fee Originations Total Value Average Loan
    $<1k » 1,212 $373,640,000 $308,284
    $1k-2k » 251 $63,995,000 $254,960
    $5k+ » 125 $82,365,000 $658,920
    $2k-3k » 87 $27,045,000 $310,862
    $3k-4k » 45 $14,605,000 $324,556
    $4k-5k » 26 $10,560,000 $406,154

    $3,870 of loans were First Federal Bank Of Kansas City's average total fees, while their most frequently occuring range of origination fees were in the $<1k bucket, with 1,212 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% » 776 $255,890,000 $329,755
    <2.5% » 582 $198,020,000 $340,241
    3-4% » 428 $127,610,000 $298,154
    4-5% » 9 $1,375,000 $152,778

    During 2021, First Federal Bank Of Kansas City's average interest rate of loans were 2.82%, while their most frequently originated rate bucket of loans were 2.5-3%, with 776 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k » 861 $250,665,000 $291,132 $3,568 2.74%
    $100k-200k » 402 $61,350,000 $152,612 $2,767 2.89%
    $400k-600k » 343 $165,065,000 $481,239 $4,566 2.71%
    $600k-1MM » 92 $68,100,000 $740,217 $9,064 2.70%
    $100,000 or less » 73 $5,735,000 $78,562 $2,513 2.92%
    $1MM+ » 24 $31,980,000 $1,332,500 $9,965 2.91%

    2021 saw First Federal Bank Of Kansas City place emphasis on $200k-400k loans with 861 originations, totaling $250,665,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k » 392 $122,570,000 $312,679 $3,890 2.87%
    $150k-250k » 344 $136,550,000 $396,948 $4,262 2.76%
    $50k-75k » 247 $51,935,000 $210,263 $3,674 2.91%
    $75k-100k » 219 $53,285,000 $243,311 $3,364 2.89%
    $250k+ » 160 $89,490,000 $559,313 $6,145 2.80%
    $50k or less » 128 $18,630,000 $145,547 $3,118 3.04%

    First Federal Bank Of Kansas City lent most frequently to those with incomes in the $100k-150k range, with 392 originations. The second most popular income band? $150k-250k, with 344 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% » 441 $141,115,000 $319,989 $3,781 2.83%
    30-36% » 283 $84,505,000 $298,604 $3,918 2.90%
    <20% » 245 $72,805,000 $297,163 $3,495 2.77%
    40% » 49 $15,525,000 $316,837 $3,594 2.86%
    36% » 47 $15,355,000 $326,702 $3,696 2.97%
    37% » 46 $14,130,000 $307,174 $3,402 2.98%
    42% » 43 $15,485,000 $360,116 $3,625 2.95%
    43% » 43 $11,985,000 $278,721 $3,974 2.89%
    44% » 38 $11,930,000 $313,947 $4,448 2.96%
    48% » 37 $14,515,000 $392,297 $4,754 2.90%
    38% » 37 $11,255,000 $304,189 $3,726 2.96%
    39% » 36 $11,860,000 $329,444 $4,835 2.86%
    41% » 34 $12,920,000 $380,000 $6,218 2.84%
    49% » 29 $10,125,000 $349,138 $4,209 2.85%
    47% » 25 $7,875,000 $315,000 $5,148 2.90%
    50-60% » 25 $11,385,000 $455,400 $9,116 2.76%
    46% » 24 $7,560,000 $315,000 $4,495 2.89%
    45% » 21 $5,815,000 $276,905 $4,673 2.91%
    >60% » 5 $2,215,000 $443,000 $5,249 2.78%

    First Federal Bank Of Kansas City lent most frequently to those with DTI ratios of 20-30%, with 441 originations. The next most common DTI ratio? 30-36%, with 283 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White » 1,487 $482,215,000 $324,287 $3,873 2.78%
    Not provided » 190 $59,700,000 $314,211 $3,591 2.75%
    Black » 47 $15,765,000 $335,426 $4,023 2.74%
    Asian » 33 $11,975,000 $362,879 $4,134 2.70%
    American Indian » 19 $6,865,000 $361,316 $3,258 2.78%
    Asian Indian » 8 $3,100,000 $387,500 $4,143 2.83%
    Filipino » 2 $960,000 $480,000 $9,407 2.50%
    Other Asian » 3 $705,000 $235,000 $2,294 2.75%
    Native Hawaiian or Islander » 3 $655,000 $218,333 $4,420 2.96%
    Other Pacific Islander » 1 $405,000 $405,000 $3,294 2.25%
    Chinese » 1 $325,000 $325,000 $3,680 3.13%
    Vietnamese » 1 $225,000 $225,000 $1,708 3.00%

    Approval Rates

    Total approvals of all applications
    94.41%

    First Federal Bank Of Kansas City has an average approval rate.

    Pick Rate

    Approvals leading to origination
    84.40%

    First Federal Bank Of Kansas City has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 1,795 $582,895,000 $324,733

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    » 1,795 $582,895,000 $324,733

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% » 98 $19,570,000 $199,694 $2,943 2.63%
    40-60% » 326 $83,180,000 $255,153 $2,878 2.67%
    60-80% » 707 $245,435,000 $347,150 $3,602 2.87%
    80-100% » 633 $222,025,000 $350,750 $4,249 2.75%
    Over 100% » 25 $11,465,000 $458,600 $16,380 2.76%
    Under 20% » 4 $620,000 $155,000 $2,306 2.50%

    Complaints

    Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
    FIRST NATIONAL BANK OF OMAHA FHA mortgage Improper use of your report 1 25.0%
    FIRST NATIONAL BANK OF OMAHA Other type of mortgage Struggling to pay mortgage 1 25.0%
    FIRST NATIONAL BANK OF OMAHA Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 1 25.0%
    FIRST NATIONAL BANK OF OMAHA Conventional home mortgage Trouble during payment process 1 25.0%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    First Federal Bank of Kansas City 9330 East Gregory Boulevard Raytown, MO 64133 Full Service B&M $81,149
    First Federal Bank of Kansas City 1200 Armour Road North Kansas City, MO 64116 Full Service B&M $63,170
    First Federal Bank of Kansas City 1255 Se Oldham Pkwy Lees Summit, MO 64081 Full Service B&M $91,007
    First Federal Bank of Kansas City 1919 N. 78 Street Kansas City, KS 66112 Full Service B&M $47,832
    First Federal Bank of Kansas City 3500 South Noland Road Independence, MO 64055 Full Service B&M $75,679
    First Federal Bank of Kansas City 4227 Blue Ridge Boulevard Kansas City, MO 64133 Full Service B&M $60,988
    First Federal Bank of Kansas City 6900 North Executive Drive Kansas City, MO 64120 Full Service B&M $40,760
    First Federal Bank of Kansas City 711 Minnesota Avenue Kansas City, KS 66101 Full Service B&M $22,276
    First Federal Bank of Kansas City 8000 State Line Rd Prairie Village, KS 66208 Full Service B&M $24,743
    First Federal Bank of Kansas City 8308 N.W. Prairie Road Kansas City, MO 64151 Full Service B&M $59,867
    First Federal Bank of Kansas City 8629 Metcalf Overland Park, KS 66212 Full Service B&M $40,104

    For 2021, First Federal Bank Of Kansas City had 11 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $25,695
    Net interest income $20,754
    Total noninterest income $15,749
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $846
    Trading account gains and fees $0
    Additional Noninterest Income $14,903
    Pre-tax net operating income $2,446
    Securities gains (or losses, -) $-89
    Income before extraordinary items $2,221
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $2,221
    Minority interest net income $0
    Net income $2,221
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $2,304

    First Federal Bank Of Kansas City's gross interest income from loans was $25,695,000.
    First Federal Bank Of Kansas City's net interest income from loans was $20,754,000.
    First Federal Bank Of Kansas City's fee based income from loans was $846,000.
    First Federal Bank Of Kansas City's net income from loans was $2,221,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $4,941
    Provision for credit losses $3,862
    Total noninterest expense $30,195
    Salaries and employee benefits $19,330
    Premises and equipment expense $2,666
    Additional noninterest expense $8,199
    Applicable income taxes $136
    Net charge-offs $620
    Cash dividends $0

    First Federal Bank Of Kansas City's interest expense for loans was $4,941,000.
    First Federal Bank Of Kansas City's payroll and benefits expense were $19,330,000.
    First Federal Bank Of Kansas City's property, plant and equipment expenses $2,666,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $581,412
    Deposits held in domestic offices $581,412
    Deposits by Individuals, partnerships, and corporations $574,712
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $0
    Deposits by Commercial banks and other depository institutions in U.S. $6,700
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $148,992
    Demand deposits $71,181
    Nontransaction accounts $432,420
    Money market deposit accounts (MMDAs) $132,669
    Other savings deposits (excluding MMDAs) $91,615
    Total time deposits $208,138
    Total time and savings deposits $510,231
    Noninterest-bearing deposits $71,181
    Interest-bearing deposits $510,231
    Retail deposits $561,327
    IRAs and Keogh plan accounts $39,026
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $823,491
    Cash & Balances due from depository institutions $31,969
    Interest-bearing balances $27,778
    Total securities $104,228
    Federal funds sold & reverse repurchase $0
    Net loans and leases $607,917
    Loan and leases loss allowance $8,553
    Trading account assets $0
    Bank premises and fixed assets $17,278
    Other real estate owned $478
    Goodwill and other intangibles $8,675
    All other assets $52,946

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $823,491
    Total Liabilities $706,625
    Total deposits $581,412
    Interest-bearing deposits $510,231
    Deposits held in domestic offices $581,412
    % insured (estimated) $93
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $110,000
    Subordinated debt $0
    All other liabilities $15,213

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $607,917
    Loan and leases loss allowance $8,553
    Total loans and leases (domestic) $616,470
    All real estate loans $510,726
    Real estate loans in domestic offices $510,726
    Construction and development loans $59,688
    Residential 1-4 family construction $59,407
    Other construction, all land development and other land $281
    Loans secured by nonfarm nonresidential properties $0
    Nonfarm nonresidential secured by owner-occupied properties $0
    Commercial real estate & other non-farm, non-residential $0
    Multifamily residential real estate $0
    1-4 family residential loans $451,038
    Farmland loans $0
    Loans held in foreign offices $0
    Farm loans $0
    Commercial and industrial loans $5,531
    To non-U.S. addressees $0
    Loans to individuals $100,179
    Credit card loans $0
    Related Plans $0
    Consumer Auto Loans $3,984
    Other loans to individuals $96,195
    All other loans & leases $34
    Loans to foreign governments and official institutions $0
    Other loans $34
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $0
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $0
    Non 1-4 family restructured loans & leases $0
    Total loans and leases (foreign) $0

    First Federal Bank of Kansas City had $607,917,000 of loans outstanding in 2021. $510,726,000 of loans were in real estate loans. $59,688,000 of loans were in development loans. $0 of loans were in multifamily mortgage loans. $451,038,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $0 of loans were in credit card loans. $3,984,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan