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 51 reviews

2020 Data | 2019 Data | 2018 Data


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 include Kansas City, Washington, Cambridge, Atlanta, and Tampa among others. They have an above average approval rate for mortages when compared nationally -- and they have a below average pick rate when compared to the same sample of other lendors. First Federal Bank Of Kansas City is typically an average fee lendor.


Originations

2,606

Origination Dollar Volume (All Markets)

$832,590,000

Employee count

163 Show all (31) awards

Relative Rate

First Federal Bank Of Kansas City's average 30 year fixed rate mortgage of loans were 2.95%.

The 2020 average 30 year fixed rate mortgage across all markets of loans were 3.36%.

This yields a difference of -0.41%.

Relative Fees

First Federal Bank Of Kansas City's average total fees for a 30 year fixed rate mortgage are $4,084.

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 $5,021.

Top Markets

Market Originations Total Value Average Loan Average Fees Average Rate
KANSAS CITY, MO-KS (FHA|USDA|VA) 988 $270,990,000 $274,281 $3,397 3.11%
Outside of Metro Areas 159 $45,195,000 $284,245 $3,939 2.92%
WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV (FHA|USDA|VA) 84 $36,760,000 $437,619 $4,415 2.80%
CAMBRIDGE-NEWTON-FRAMINGHAM, MA (FHA|USDA|VA) 50 $20,840,000 $416,800 $3,437 2.86%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 54 $16,200,000 $300,000 $3,949 2.79%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 51 $15,915,000 $312,059 $5,472 2.95%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 46 $15,150,000 $329,348 $4,307 2.86%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 43 $13,645,000 $317,326 $4,471 2.78%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 28 $11,100,000 $396,429 $4,108 2.67%
BOSTON, MA (FHA|USDA|VA) 28 $10,990,000 $392,500 $3,320 2.81%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 20 $10,370,000 $518,500 $7,093 2.75%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 32 $10,320,000 $322,500 $3,848 2.93%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 32 $10,160,000 $317,500 $4,437 2.88%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 29 $10,055,000 $346,724 $4,201 2.73%
COLORADO SPRINGS, CO (FHA|USDA|VA) 22 $9,670,000 $439,545 $5,895 2.65%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 22 $9,450,000 $429,545 $6,433 2.91%
LOS ANGELES-LONG BEACH-GLENDALE, CA (FHA|USDA|VA) 18 $8,810,000 $489,444 $6,142 3.08%
SEATTLE-BELLEVUE-KENT, WA (FHA|USDA|VA) 16 $8,320,000 $520,000 $5,416 2.96%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 24 $8,220,000 $342,500 $4,424 2.78%
FREDERICK-GAITHERSBURG-ROCKVILLE, MD (FHA|USDA|VA) 17 $7,445,000 $437,941 $5,434 2.76%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 22 $7,430,000 $337,727 $4,220 2.79%
RALEIGH-CARY, NC (FHA|USDA|VA) 20 $6,580,000 $329,000 $5,038 2.77%
NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) 16 $6,560,000 $410,000 $3,274 2.70%
ST. LOUIS, MO-IL (FHA|USDA|VA) 20 $6,540,000 $327,000 $3,490 2.84%
WORCESTER, MA-CT (FHA|USDA|VA) 18 $5,970,000 $331,667 $4,118 2.81%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 11 $5,865,000 $533,182 $8,503 2.70%
MONTGOMERY COUNTY-BUCKS COUNTY-CHESTER COUNTY, PA (FHA|USDA|VA) 15 $5,595,000 $373,000 $5,054 2.81%
OAKLAND-BERKELEY-LIVERMORE, CA (FHA|USDA|VA) 9 $4,715,000 $523,889 $3,912 2.97%
ANAHEIM-SANTA ANA-IRVINE, CA (FHA|USDA|VA) 8 $4,640,000 $580,000 $7,082 2.89%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 13 $4,635,000 $356,538 $4,355 2.96%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 11 $4,615,000 $419,545 $4,148 2.98%
DALLAS-PLANO-IRVING, TX (FHA|USDA|VA) 14 $4,390,000 $313,571 $4,877 2.94%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 12 $4,320,000 $360,000 $4,102 2.79%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 10 $4,140,000 $414,000 $2,871 3.05%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 11 $3,685,000 $335,000 $4,008 2.72%
FORT LAUDERDALE-POMPANO BEACH-SUNRISE, FL (FHA|USDA|VA) 9 $3,375,000 $375,000 $3,661 2.78%
NORTH PORT-SARASOTA-BRADENTON, FL (FHA|USDA|VA) 9 $3,365,000 $373,889 $7,343 2.81%
TACOMA-LAKEWOOD, WA (FHA|USDA|VA) 8 $3,030,000 $378,750 $6,326 2.78%
FORT WORTH-ARLINGTON-GRAPEVINE, TX (FHA|USDA|VA) 8 $3,000,000 $375,000 $3,836 2.86%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 10 $2,910,000 $291,000 $3,428 2.68%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 7 $2,905,000 $415,000 $7,797 2.77%
COLUMBUS, OH (FHA|USDA|VA) 8 $2,850,000 $356,250 $3,437 2.81%
CHARLOTTESVILLE, VA (FHA|USDA|VA) 6 $2,840,000 $473,333 $9,700 2.90%
LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) 7 $2,825,000 $403,571 $2,885 2.82%
TUCSON, AZ (FHA|USDA|VA) 11 $2,785,000 $253,182 $3,214 2.91%
HUNTSVILLE, AL (FHA|USDA|VA) 7 $2,725,000 $389,286 $3,047 2.59%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 8 $2,640,000 $330,000 $3,844 3.00%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 10 $2,630,000 $263,000 $2,641 2.73%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 9 $2,565,000 $285,000 $4,557 2.75%
COEUR D'ALENE, ID (FHA|USDA|VA) 4 $2,540,000 $635,000 $4,207 2.63%
ROCKINGHAM COUNTY-STRAFFORD COUNTY, NH (FHA|USDA|VA) 7 $2,475,000 $353,571 $3,352 2.79%
NEW BRUNSWICK-LAKEWOOD, NJ (FHA|USDA|VA) 6 $2,470,000 $411,667 $4,252 2.79%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 8 $2,460,000 $307,500 $4,315 2.77%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 7 $2,395,000 $342,143 $3,007 2.66%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 6 $2,340,000 $390,000 $5,617 2.83%
OKLAHOMA CITY, OK (FHA|USDA|VA) 8 $2,320,000 $290,000 $2,257 2.78%
RICHMOND, VA (FHA|USDA|VA) 5 $2,235,000 $447,000 $3,873 2.85%
WICHITA, KS (FHA|USDA|VA) 10 $2,220,000 $222,000 $2,341 3.39%
PHILADELPHIA, PA (FHA|USDA|VA) 7 $2,165,000 $309,286 $5,620 2.82%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 6 $2,160,000 $360,000 $3,107 2.77%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 5 $2,085,000 $417,000 $3,111 2.60%
SAVANNAH, GA (FHA|USDA|VA) 4 $2,080,000 $520,000 $6,529 3.03%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 9 $2,075,000 $230,556 $2,778 2.94%
BARNSTABLE TOWN, MA (FHA|USDA|VA) 6 $2,070,000 $345,000 $7,313 2.83%
PITTSBURGH, PA (FHA|USDA|VA) 6 $2,070,000 $345,000 $4,455 3.08%
SALT LAKE CITY, UT (FHA|USDA|VA) 4 $2,030,000 $507,500 $3,362 2.81%
NEWARK, NJ-PA (FHA|USDA|VA) 6 $2,000,000 $333,333 $4,175 2.90%
COLUMBIA, MO (FHA|USDA|VA) 9 $1,985,000 $220,556 $2,348 3.18%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 7 $1,975,000 $282,143 $5,845 3.14%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 8 $1,940,000 $242,500 $3,028 3.02%
COLUMBIA, SC (FHA|USDA|VA) 7 $1,905,000 $272,143 $3,347 2.86%
WEST PALM BEACH-BOCA RATON-BOYNTON BEACH, FL (FHA|USDA|VA) 5 $1,905,000 $381,000 $3,694 2.80%
WILMINGTON, NC (FHA|USDA|VA) 6 $1,900,000 $316,667 $3,605 2.81%
MONTGOMERY, AL (FHA|USDA|VA) 7 $1,875,000 $267,857 $2,107 2.75%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 6 $1,800,000 $300,000 $3,462 2.94%
ASHEVILLE, NC (FHA|USDA|VA) 5 $1,745,000 $349,000 $4,120 2.78%
MANCHESTER-NASHUA, NH (FHA|USDA|VA) 5 $1,745,000 $349,000 $7,723 2.78%
NASSAU COUNTY-SUFFOLK COUNTY, NY (FHA|USDA|VA) 4 $1,730,000 $432,500 $3,592 3.00%
FRESNO, CA (FHA|USDA|VA) 4 $1,700,000 $425,000 $5,478 2.91%
WARREN-TROY-FARMINGTON HILLS, MI (FHA|USDA|VA) 6 $1,700,000 $283,333 $3,554 2.73%
BOULDER, CO (FHA|USDA|VA) 3 $1,625,000 $541,667 $7,827 3.21%
TULSA, OK (FHA|USDA|VA) 4 $1,610,000 $402,500 $7,794 2.75%
BOISE CITY, ID (FHA|USDA|VA) 5 $1,575,000 $315,000 $6,627 2.98%
YUBA CITY, CA (FHA|USDA|VA) 4 $1,540,000 $385,000 $3,832 2.88%
JACKSON, MS (FHA|USDA|VA) 4 $1,540,000 $385,000 $2,595 2.72%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 6 $1,540,000 $256,667 $2,482 3.10%
KNOXVILLE, TN (FHA|USDA|VA) 4 $1,530,000 $382,500 $4,594 3.06%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 5 $1,515,000 $303,000 $3,271 2.73%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 4 $1,470,000 $367,500 $3,378 2.66%
DAYTON-KETTERING, OH (FHA|USDA|VA) 5 $1,465,000 $293,000 $2,673 2.65%
CAMDEN, NJ (FHA|USDA|VA) 5 $1,455,000 $291,000 $4,421 2.83%
CHICAGO-NAPERVILLE-EVANSTON, IL (FHA|USDA|VA) 5 $1,435,000 $287,000 $5,989 2.80%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 4 $1,430,000 $357,500 $3,381 3.09%
JACKSONVILLE, FL (FHA|USDA|VA) 3 $1,375,000 $458,333 $3,370 2.63%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 4 $1,360,000 $340,000 $2,822 2.69%
ALBUQUERQUE, NM (FHA|USDA|VA) 6 $1,340,000 $223,333 $3,715 2.98%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 4 $1,290,000 $322,500 $2,725 2.91%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 5 $1,285,000 $257,000 $3,491 2.85%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 5 $1,235,000 $247,000 $5,698 2.70%
VALLEJO, CA (FHA|USDA|VA) 2 $1,210,000 $605,000 $4,974 2.56%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 4 $1,210,000 $302,500 $2,765 3.09%
SPARTANBURG, SC (FHA|USDA|VA) 3 $1,205,000 $401,667 $2,828 2.96%
CASPER, WY (FHA|USDA|VA) 2 $1,200,000 $600,000 $4,875 2.69%
MEDFORD, OR (FHA|USDA|VA) 5 $1,185,000 $237,000 $8,323 2.73%
DETROIT-DEARBORN-LIVONIA, MI (FHA|USDA|VA) 3 $1,175,000 $391,667 $3,740 2.88%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 3 $1,165,000 $388,333 $2,510 2.83%
ST. GEORGE, UT (FHA|USDA|VA) 3 $1,145,000 $381,667 $10,223 3.00%
ELGIN, IL (FHA|USDA|VA) 3 $1,125,000 $375,000 $3,216 2.58%
GAINESVILLE, GA (FHA|USDA|VA) 3 $1,105,000 $368,333 $3,281 2.79%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 4 $1,100,000 $275,000 $3,558 2.94%
MIAMI-MIAMI BEACH-KENDALL, FL (FHA|USDA|VA) 3 $1,095,000 $365,000 $4,449 2.75%
WILMINGTON, DE-MD-NJ (FHA|USDA|VA) 4 $1,090,000 $272,500 $6,843 2.59%
FAYETTEVILLE, NC (FHA|USDA|VA) 4 $1,070,000 $267,500 $2,927 2.75%
SALISBURY, MD-DE (FHA|USDA|VA) 4 $1,060,000 $265,000 $2,784 2.66%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 2 $1,030,000 $515,000 $18,882 2.75%
NEW BERN, NC (FHA|USDA|VA) 3 $1,005,000 $335,000 $1,424 2.75%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 3 $995,000 $331,667 $7,596 3.04%
BEND, OR (FHA|USDA|VA) 3 $995,000 $331,667 $4,082 3.50%
TERRE HAUTE, IN (FHA|USDA|VA) 4 $990,000 $247,500 $3,085 2.94%
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 4 $990,000 $247,500 $5,999 2.88%
LAWRENCE, KS (FHA|USDA|VA) 4 $970,000 $242,500 $3,725 3.00%
AUBURN-OPELIKA, AL (FHA|USDA|VA) 2 $950,000 $475,000 $3,495 3.13%
STOCKTON, CA (FHA|USDA|VA) 3 $945,000 $315,000 $2,631 2.75%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 3 $925,000 $308,333 $5,254 2.92%
EL PASO, TX (FHA|USDA|VA) 5 $915,000 $183,000 $4,154 2.45%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 2 $910,000 $455,000 $4,945 2.44%
GREELEY, CO (FHA|USDA|VA) 3 $905,000 $301,667 $2,050 2.67%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 3 $895,000 $298,333 $2,915 2.83%
LAKE COUNTY-KENOSHA COUNTY, IL-WI (FHA|USDA|VA) 2 $890,000 $445,000 $5,252 2.88%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 4 $850,000 $212,500 $4,318 2.78%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 3 $825,000 $275,000 $2,666 2.71%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 3 $745,000 $248,333 $6,869 2.54%
LINCOLN, NE (FHA|USDA|VA) 2 $730,000 $365,000 $2,285 2.75%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 3 $725,000 $241,667 $3,702 2.54%
SALEM, OR (FHA|USDA|VA) 2 $710,000 $355,000 $4,066 3.13%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 1 $685,000 $685,000 $2,922 3.25%
CHEYENNE, WY (FHA|USDA|VA) 2 $670,000 $335,000 $3,532 2.63%
BRUNSWICK, GA (FHA|USDA|VA) 2 $670,000 $335,000 $2,686 2.50%
WACO, TX (FHA|USDA|VA) 2 $660,000 $330,000 $6,116 2.94%
PANAMA CITY, FL (FHA|USDA|VA) 2 $650,000 $325,000 $2,865 2.75%
SPRINGFIELD, MA (FHA|USDA|VA) 2 $650,000 $325,000 $4,395 2.63%
SPRINGFIELD, MO (FHA|USDA|VA) 3 $625,000 $208,333 $2,994 2.63%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 1 $625,000 $625,000 $6,006 3.38%
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 2 $620,000 $310,000 $4,879 2.56%
SALINAS, CA (FHA|USDA|VA) 2 $600,000 $300,000 $2,169 2.69%
LYNCHBURG, VA (FHA|USDA|VA) 1 $595,000 $595,000 $2,518 2.75%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 2 $580,000 $290,000 $3,212 3.31%
EAU CLAIRE, WI (FHA|USDA|VA) 2 $580,000 $290,000 $2,752 2.50%
ST. CLOUD, MN (FHA|USDA|VA) 2 $560,000 $280,000 $2,331 2.63%
BILLINGS, MT (FHA|USDA|VA) 2 $560,000 $280,000 $3,823 2.63%
OCALA, FL (FHA|USDA|VA) 2 $530,000 $265,000 $3,875 2.69%
JEFFERSON CITY, MO (FHA|USDA|VA) 2 $520,000 $260,000 $2,206 3.06%
WENATCHEE, WA (FHA|USDA|VA) 1 $515,000 $515,000 $8,093 2.25%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 2 $500,000 $250,000 $6,813 3.06%
YAKIMA, WA (FHA|USDA|VA) 1 $495,000 $495,000 $5,194 2.25%
ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 3 $495,000 $165,000 $7,207 2.92%
ROANOKE, VA (FHA|USDA|VA) 1 $495,000 $495,000 $1,837 2.38%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 2 $490,000 $245,000 $1,790 2.63%
VISALIA, CA (FHA|USDA|VA) 2 $490,000 $245,000 $3,788 2.50%
PORT ST. LUCIE, FL (FHA|USDA|VA) 2 $490,000 $245,000 $3,330 2.81%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 2 $490,000 $245,000 $6,544 2.81%
GARY, IN (FHA|USDA|VA) 2 $480,000 $240,000 $2,355 3.06%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 3 $475,000 $158,333 $2,104 2.83%
DOVER, DE (FHA|USDA|VA) 2 $470,000 $235,000 $1,767 2.94%
ELKHART-GOSHEN, IN (FHA|USDA|VA) 1 $465,000 $465,000 $1,078 2.75%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 2 $460,000 $230,000 $3,086 2.75%
RENO, NV (FHA|USDA|VA) 1 $455,000 $455,000 $2,962 2.75%
WATERLOO-CEDAR FALLS, IA (FHA|USDA|VA) 1 $435,000 $435,000 $0 2.88%
OCEAN CITY, NJ (FHA|USDA|VA) 1 $435,000 $435,000 $3,318 2.88%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 1 $435,000 $435,000 $2,229 2.88%
MADISON, WI (FHA|USDA|VA) 2 $430,000 $215,000 $3,193 3.25%
MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 1 $425,000 $425,000 $2,468 2.75%
WINSTON-SALEM, NC (FHA|USDA|VA) 1 $415,000 $415,000 $4,178 2.25%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 1 $415,000 $415,000 $3,569 3.00%
MONROE, LA (FHA|USDA|VA) 1 $405,000 $405,000 $2,980 2.25%
MERCED, CA (FHA|USDA|VA) 1 $405,000 $405,000 $1,862 2.88%
PUEBLO, CO (FHA|USDA|VA) 1 $395,000 $395,000 $4,237 2.75%
PROVO-OREM, UT (FHA|USDA|VA) 1 $395,000 $395,000 $3,763 2.75%
DULUTH, MN-WI (FHA|USDA|VA) 1 $395,000 $395,000 $2,688 2.75%
KANKAKEE, IL (FHA|USDA|VA) 1 $375,000 $375,000 $10,833 2.88%
LAKE CHARLES, LA (FHA|USDA|VA) 1 $375,000 $375,000 $2,943 3.25%
ABILENE, TX (FHA|USDA|VA) 1 $375,000 $375,000 $2,879 2.88%
BAKERSFIELD, CA (FHA|USDA|VA) 1 $375,000 $375,000 $3,252 3.13%
PUNTA GORDA, FL (FHA|USDA|VA) 1 $365,000 $365,000 $2,730 2.25%
SANTA FE, NM (FHA|USDA|VA) 1 $355,000 $355,000 $4,730 2.75%
HOT SPRINGS, AR (FHA|USDA|VA) 1 $345,000 $345,000 $2,533 3.25%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 1 $345,000 $345,000 $5,195 2.75%
MORGANTOWN, WV (FHA|USDA|VA) 1 $335,000 $335,000 $2,082 2.75%
GRANTS PASS, OR (FHA|USDA|VA) 1 $335,000 $335,000 $4,781 2.88%
TOPEKA, KS (FHA|USDA|VA) 2 $330,000 $165,000 $2,380 3.06%
BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) 1 $325,000 $325,000 $2,077 2.75%
HAMMOND, LA (FHA|USDA|VA) 1 $315,000 $315,000 $3,673 2.75%
FLAGSTAFF, AZ (FHA|USDA|VA) 1 $315,000 $315,000 $1,175 2.75%
CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) 1 $305,000 $305,000 $2,080 2.75%
NORWICH-NEW LONDON, CT (FHA|USDA|VA) 1 $305,000 $305,000 $2,333 2.75%
SAN ANGELO, TX (FHA|USDA|VA) 1 $305,000 $305,000 $2,446 2.38%
WARNER ROBINS, GA (FHA|USDA|VA) 1 $305,000 $305,000 $789 2.25%
HANFORD-CORCORAN, CA (FHA|USDA|VA) 1 $305,000 $305,000 $4,374 2.75%
MIDLAND, TX (FHA|USDA|VA) 1 $295,000 $295,000 $4,375 2.25%
HATTIESBURG, MS (FHA|USDA|VA) 1 $285,000 $285,000 $9,205 2.38%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 1 $275,000 $275,000 $4,015 2.88%
ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 1 $275,000 $275,000 $1,489 2.75%
FORT COLLINS, CO (FHA|USDA|VA) 1 $265,000 $265,000 $2,410 2.50%
YORK-HANOVER, PA (FHA|USDA|VA) 1 $265,000 $265,000 $4,598 2.75%
MANHATTAN, KS (FHA|USDA|VA) 1 $255,000 $255,000 $3,532 3.00%
AMARILLO, TX (FHA|USDA|VA) 1 $255,000 $255,000 $3,561 2.25%
FLORENCE, SC (FHA|USDA|VA) 1 $245,000 $245,000 $2,084 3.00%
WAUSAU-WESTON, WI (FHA|USDA|VA) 1 $245,000 $245,000 $1,320 2.75%
FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) 1 $235,000 $235,000 $2,675 2.75%
JACKSON, MI (FHA|USDA|VA) 1 $235,000 $235,000 $6,584 3.13%
SEBASTIAN-VERO BEACH, FL (FHA|USDA|VA) 1 $235,000 $235,000 $4,811 2.75%
MISSOULA, MT (FHA|USDA|VA) 1 $235,000 $235,000 $0 3.75%
ERIE, PA (FHA|USDA|VA) 1 $225,000 $225,000 $9,047 2.63%
BATON ROUGE, LA (FHA|USDA|VA) 1 $215,000 $215,000 $2,279 2.75%
LANCASTER, PA (FHA|USDA|VA) 1 $215,000 $215,000 $3,009 2.38%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 1 $215,000 $215,000 $1,820 2.88%
AKRON, OH (FHA|USDA|VA) 1 $205,000 $205,000 $8,383 3.25%
ROCKY MOUNT, NC (FHA|USDA|VA) 1 $205,000 $205,000 $9,786 3.25%
DECATUR, AL (FHA|USDA|VA) 1 $205,000 $205,000 $2,617 3.38%
JACKSONVILLE, NC (FHA|USDA|VA) 1 $205,000 $205,000 $525 3.25%
TYLER, TX (FHA|USDA|VA) 1 $195,000 $195,000 $5,587 3.50%
CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) 1 $185,000 $185,000 $2,410 3.38%
BAY CITY, MI (FHA|USDA|VA) 1 $185,000 $185,000 $2,584 2.75%
STATE COLLEGE, PA (FHA|USDA|VA) 1 $175,000 $175,000 $3,496 2.25%
BOWLING GREEN, KY (FHA|USDA|VA) 1 $165,000 $165,000 $1,377 3.13%
EVANSVILLE, IN-KY (FHA|USDA|VA) 1 $165,000 $165,000 $7,538 3.38%
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 1 $165,000 $165,000 $4,092 2.75%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 1 $165,000 $165,000 $0 2.88%
ST. JOSEPH, MO-KS (FHA|USDA|VA) 1 $165,000 $165,000 $2,148 3.00%
JOHNSON CITY, TN (FHA|USDA|VA) 1 $165,000 $165,000 $2,519 2.88%
COLUMBUS, GA-AL (FHA|USDA|VA) 1 $145,000 $145,000 $2,587 3.00%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 1 $115,000 $115,000 $5,225 3.38%
GRAND ISLAND, NE (FHA|USDA|VA) 1 $85,000 $85,000 $2,708 3.13%

First Federal Bank Of Kansas City's top markets include Kansas City, Washington, Cambridge, Atlanta, and Tampa among others.

Product Mix

Loan Type Originations Total Value Average Loan Average Fees Average Rate
Conventional 1,361 $384,685,000 $282,649 $3,184 3.10%
VA 1,152 $429,180,000 $372,552 $4,691 2.75%
FHA 90 $18,270,000 $203,000 $6,244 3.01%
USDA 3 $455,000 $151,667 $4,477 3.29%

For the 2020 period, First Federal Bank Of Kansas City's most frequently originated loan type of loans were Conventional, with 1,361 originations. Their 2nd most popular type is VA, with 1,152 originations.

Loan Reason

Loan Reason Originations Total Value Average Loan Average Fees Average Rate
Refi 1,651 $530,365,000 $321,239 $3,094 2.85%
Home Purchase 612 $205,160,000 $335,229 $5,785 3.11%
Cash Out Refi 329 $92,845,000 $282,204 $4,932 3.08%
Home Improvement 14 $4,220,000 $301,429 $4,887 2.93%

For the 2020, First Federal Bank Of Kansas City's most frequently cited loan purpose of loans were Refi, with 1,651 originations. The 2nd most popular reason of loans were Home Purchase, with 612 originations.

Loan Duration/Length

Loan Length Originations Total Value Average Loan Average Fees Average Rate
30 Year 2,054 $677,220,000 $329,708 $4,084 2.95%
15 Year 285 $66,635,000 $233,807 $2,830 2.78%
20 Year 121 $28,135,000 $232,521 $3,084 3.10%
30+ year 67 $37,055,000 $553,060 $7,946 3.44%
Other 57 $20,085,000 $352,368 $3,813 2.79%
10 Year 22 $3,460,000 $157,273 $2,252 2.73%

For the 2020, First Federal Bank Of Kansas City's most frequently cited loan length of loans were 30 Year, with 2,054 originations. The 2nd most popular length of loans were 15 Year, with 285 originations.

Origination Fees

Origination Fee Originations Total Value Average Loan
$<1k 1,940 $605,290,000 $312,005
$1k-2k 241 $67,555,000 $280,311
$2k-3k 126 $40,690,000 $322,937
$3k-4k 112 $40,170,000 $358,661
$5k+ 109 $62,005,000 $568,853

$4,084 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 1,940 originations.

Interest Rates

Loan Rate Originations Total Value Average Loan
2.5-3% 1,399 $455,545,000 $325,622
3-4% 781 $234,015,000 $299,635
<2.5% 394 $133,650,000 $339,213
4-5% 31 $9,265,000 $298,871
5-6% 1 $115,000 $115,000

During 2020, First Federal Bank Of Kansas City's average interest rate of loans were 2.95%, while their most frequently originated rate bucket of loans were 2.5-3%, with 1,399 originations.

Loan Sizing

Loan Size Originations Total Value Average Loan Average Fees Average Rate
$200k-400k 1,400 $410,150,000 $292,964 $3,656 2.91%
$400k-600k 521 $247,975,000 $475,960 $4,683 2.87%
$100k-200k 476 $75,370,000 $158,340 $3,100 3.07%
$600k-1MM 113 $80,005,000 $708,009 $8,018 2.98%
$100,000 or less 85 $6,455,000 $75,941 $2,509 3.16%
$1MM+ 11 $12,635,000 $1,148,636 $18,915 3.08%

2020 saw First Federal Bank Of Kansas City place emphasis on $200k-400k loans with 1,400 originations, totaling $410,150,000 in origination value.

Applicant Income

Applicant Income Originations Total Value Average Loan Average Fees Average Rate
$100k-150k 518 $163,480,000 $315,598 $4,575 3.06%
$150k-250k 403 $148,635,000 $368,821 $4,487 3.00%
$75k-100k 305 $73,785,000 $241,918 $3,899 3.06%
$50k-75k 257 $51,355,000 $199,825 $3,966 3.10%
$50k or less 133 $19,405,000 $145,902 $3,421 3.21%
$250k+ 125 $59,815,000 $478,520 $5,592 3.07%

First Federal Bank Of Kansas City lent most frequently to those with incomes in the $100k-150k range, with 518 originations. The second most popular income band? $150k-250k, with 403 originations.

Applicant Debt to Income Ratio

DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
20-30% 538 $152,250,000 $282,993 $3,813 3.03%
30-36% 336 $103,380,000 $307,679 $4,249 3.05%
<20% 234 $61,050,000 $260,897 $3,023 2.98%
50-60% 65 $23,185,000 $356,692 $6,481 3.09%
40% 56 $14,940,000 $266,786 $4,426 3.04%
36% 55 $16,945,000 $308,091 $6,011 3.10%
42% 52 $15,960,000 $306,923 $4,879 3.15%
39% 52 $17,380,000 $334,231 $4,550 3.13%
41% 47 $14,075,000 $299,468 $4,344 3.09%
37% 47 $12,275,000 $261,170 $3,968 3.05%
43% 45 $15,145,000 $336,556 $5,410 3.26%
38% 42 $10,690,000 $254,524 $3,686 3.03%
49% 40 $12,970,000 $324,250 $5,961 3.17%
44% 39 $12,275,000 $314,744 $5,921 3.12%
45% 36 $14,130,000 $392,500 $6,299 3.08%
46% 29 $7,395,000 $255,000 $4,559 3.09%
48% 28 $7,640,000 $272,857 $5,512 3.25%
47% 27 $8,755,000 $324,259 $5,365 3.07%
>60% 7 $3,755,000 $536,429 $9,660 3.09%

First Federal Bank Of Kansas City lent most frequently to those with DTI ratios of 20-30%, with 538 originations. The next most common DTI ratio? 30-36%, with 336 originations.

Ethnicity Mix

Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
White 2,025 $640,005,000 $316,052 $3,863 2.95%
Not provided 397 $132,945,000 $334,874 $4,508 2.97%
Black 99 $31,435,000 $317,525 $4,203 2.85%
Asian 50 $16,620,000 $332,400 $3,244 2.81%
American Indian 19 $5,515,000 $290,263 $3,652 2.82%
Asian Indian 6 $2,170,000 $361,667 $5,355 3.25%
Japanese 3 $1,445,000 $481,667 $4,135 2.67%
Filipino 3 $1,095,000 $365,000 $8,638 3.00%
Korean 2 $680,000 $340,000 $4,128 2.25%
Native Hawiian 1 $375,000 $375,000 $3,530 3.00%
Other Asian 1 $305,000 $305,000 $2,759 2.88%

Approval Rates

Total approvals of all applications
90.71%

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

Pick Rate

Approvals leading to origination
67.46%

First Federal Bank Of Kansas City has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.

Points and Fees

Points Originations Total Value Average Loan
NA 2,606 $832,590,000 $319,490

Occupancy Type Mix

Dwelling Type Originations Total Value Average Loan
Single Family (1-4 Units):Site-Built 2,606 $832,590,000 $319,490

LTV Distribution

Loan to Value Originations Total Value Average Loan Average Fees Average Rate
20-40% 93 $20,665,000 $222,204 $2,798 2.94%
40-60% 344 $92,570,000 $269,099 $2,959 2.92%
60-80% 984 $312,320,000 $317,398 $3,596 3.00%
80-100% 1,078 $372,950,000 $345,965 $4,208 2.90%
Over 100% 58 $22,470,000 $387,414 $13,743 2.87%
Under 20% 9 $1,655,000 $183,889 $2,511 3.01%

Bank Details

Branches

Bank Name Branch Branch Type Deposits (000's)
First Federal Bank of Kansas City 6900 North Executive Drive Kansas City, MO 64120 Full Service B&M $54,676
First Federal Bank of Kansas City 1200 Armour Road North Kansas City, MO 64116 Full Service B&M $56,979
First Federal Bank of Kansas City 1255 Se Oldham Pkwy Lees Summit, MO 64081 Full Service B&M $81,014
First Federal Bank of Kansas City 1919 N. 78 Street Kansas City, KS 66112 Full Service B&M $49,999
First Federal Bank of Kansas City 3500 South Noland Road Independence, MO 64055 Full Service B&M $71,572
First Federal Bank of Kansas City 4227 Blue Ridge Boulevard Kansas City, MO 64133 Full Service B&M $56,082
First Federal Bank of Kansas City 711 Minnesota Avenue Kansas City, KS 66101 Full Service B&M $20,638
First Federal Bank of Kansas City 8000 State Line Rd Prairie Village, KS 66208 Full Service B&M $20,412
First Federal Bank of Kansas City 8308 N.W. Prairie Road Kansas City, MO 64151 Full Service B&M $54,364
First Federal Bank of Kansas City 8629 Metcalf Overland Park, KS 66212 Full Service B&M $40,427
First Federal Bank of Kansas City 9330 East Gregory Boulevard Raytown, MO 64133 Full Service B&M $75,639

For 2020, First Federal Bank Of Kansas City had 11 branches.

Yearly Performance Overview

Bank Income

Item Value (in 000's)
Total interest income $24,769
Net interest income $15,107
Total noninterest income $30,204
Gross Fiduciary activities income $0
Service charges on deposit accounts $792
Trading account gains and fees $0
Additional Noninterest Income $29,412
Pre-tax net operating income $9,495
Securities gains (or losses, -) $163
Income before extraordinary items $7,179
Discontinued Operations (Extraordinary gains, net) $0
Net income of bank and minority interests $7,179
Minority interest net income $0
Net income $7,179
Sale, conversion, retirement of capital stock, net $0
Net operating income $7,050

First Federal Bank Of Kansas City's gross interest income from loans was $24,769,000.
First Federal Bank Of Kansas City's net interest income from loans was $15,107,000.
First Federal Bank Of Kansas City's fee based income from loans was $792,000.
First Federal Bank Of Kansas City's net income from loans was $7,179,000.

Bank Expenses

Item Value (in 000's)
Total interest expense $9,662
Provision for credit losses $2,090
Total noninterest expense $33,726
Salaries and employee benefits $23,504
Premises and equipment expense $2,533
Additional noninterest expense $7,689
Applicable income taxes $2,479
Net charge-offs $310
Cash dividends $0

First Federal Bank Of Kansas City's interest expense for loans was $9,662,000.
First Federal Bank Of Kansas City's payroll and benefits expense were $23,504,000.
First Federal Bank Of Kansas City's property, plant and equipment expenses $2,533,000.

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 1.0%
Other consumer loans 0.0%
Unsecured commercial real estate loans 0.0%

Deposits

Type Value (in 000's)
Total deposits $613,656
Deposits held in domestic offices $613,656
Deposits by Individuals, partnerships, and corporations $563,384
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. $50,272
Deposits by Banks in foreign countries $0
Deposits by Foreign governments and official institutions $0
Transaction accounts $166,496
Demand deposits $97,264
Nontransaction accounts $447,160
Money market deposit accounts (MMDAs) $98,493
Other savings deposits (excluding MMDAs) $82,714
Total time deposits $265,953
Total time and savings deposits $516,392
Noninterest-bearing deposits $97,264
Interest-bearing deposits $516,392
Retail deposits $585,946
IRAs and Keogh plan accounts $43,109
Brokered deposits $0
Deposits held in foreign offices $0

Assets

Asset Value (in 000's)
Total Assets $794,480
Cash & Balances due from depository institutions $82,225
Interest-bearing balances $77,726
Total securities $74,379
Federal funds sold & reverse repurchase $0
Net loans and leases $555,689
Loan and leases loss allowance $5,310
Trading account assets $22,069
Bank premises and fixed assets $10,566
Other real estate owned $0
Goodwill and other intangibles $7,308
All other assets $42,244

Liabilities

Liabilities Value (in 000's)
Total liabilities and capital $794,480
Total Liabilities $684,125
Total deposits $613,656
Interest-bearing deposits $516,392
Deposits held in domestic offices $613,656
% insured (estimated) $95
Federal funds purchased and repurchase agreements $0
Trading liabilities $0
Other borrowed funds $60,000
Subordinated debt $0
All other liabilities $10,469

Issued Loan Types

Type Value (in 000's)
Net loans and leases $555,689
Loan and leases loss allowance $5,310
Total loans and leases (domestic) $560,999
All real estate loans $537,532
Real estate loans in domestic offices $537,532
Construction and development loans $39,521
Residential 1-4 family construction $39,189
Other construction, all land development and other land $332
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 $498,011
Farmland loans $0
Loans held in foreign offices $0
Farm loans $0
Commercial and industrial loans $0
To non-U.S. addressees $0
Loans to individuals $23,443
Credit card loans $0
Related Plans $0
Consumer Auto Loans $2,481
Other loans to individuals $20,962
All other loans & leases $24
Loans to foreign governments and official institutions $0
Other loans $24
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 $555,689,000 of loans outstanding in 2020. $537,532,000 of loans were in real estate loans. $39,521,000 of loans were in development loans. $0 of loans were in multifamily mortgage loans. $498,011,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $0 of loans were in credit card loans. $2,481,000 of loans were in the auto loan category.

Small Business Loans

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