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

Kansas City, MO

LEI: 549300W5A6PQ1VJG3497

Tax ID: 44-0246815

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Mortgage Data

Bank Data

Review & Overview

First Federal Bank Of Kansas City is a smaller bank specializing in Home Purchase loans. First Federal Bank Of Kansas City has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Kansas City, Houston, Las Vegas, Washington, and Dallas among others. We have data for 196 markets. (Some data included below & more in-depth data is available with an active subscription.)

First Federal Bank Of Kansas City has an 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 a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) 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 the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

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SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
30 Year Conventional Purchase 6.52% 3/28/24
30 Year Conventional Refi 6.35% 3/28/24
30 Year Cash-out Refi 6.69% 3/28/24
30 Year FHA Purchase 7.37% 3/28/24
30 Year VA Purchase 6.15% 3/28/24
30 Year VA Refi 5.70% 3/28/24
15 Year Conventional Purchase 6.07% 3/28/24
15 Year Conventional Refi 6.03% 3/28/24
15 Year Cash-out Refi 6.03% 3/28/24
15 Year VA Purchase 5.98% 3/28/24
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.

First Federal Bank Of Kansas City Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from First Federal Bank Of Kansas City. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

1,215

Origination Dollar Volume (All Markets)

$369,325,000

Employee count

192 Show all (12) awards

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) 618 $176,450,000 $285,518 $3,823 4.41%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 28 $8,110,000 $289,643 $6,230 4.26%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 23 $6,935,000 $301,522 $4,254 4.21%
Outside of Metro Areas 25 $6,575,000 $263,000 $4,153 4.33%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 17 $6,075,000 $357,353 $5,386 4.02%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 18 $5,720,000 $317,778 $4,939 4.35%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 17 $5,695,000 $335,000 $4,492 4.01%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 14 $5,510,000 $393,571 $7,240 4.16%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 16 $4,590,000 $286,875 $4,627 4.18%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 12 $4,190,000 $349,167 $7,644 4.20%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 11 $4,175,000 $379,545 $9,028 4.02%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 11 $4,135,000 $375,909 $5,556 4.00%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 9 $4,115,000 $457,222 $9,156 4.10%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 10 $3,780,000 $378,000 $7,237 4.09%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 10 $3,420,000 $342,000 $6,075 4.06%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 7 $3,285,000 $469,286 $5,661 4.36%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 7 $2,895,000 $413,571 $7,698 4.30%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 6 $2,760,000 $460,000 $10,854 4.21%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 9 $2,735,000 $303,889 $5,294 4.15%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 8 $2,620,000 $327,500 $5,401 4.14%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 5 $2,605,000 $521,000 $3,381 4.00%
SAVANNAH, GA (FHA|USDA|VA) 6 $2,430,000 $405,000 $8,385 4.00%
RALEIGH-CARY, NC (FHA|USDA|VA) 8 $2,300,000 $287,500 $4,237 4.16%
ST. LOUIS, MO-IL (FHA|USDA|VA) 8 $2,280,000 $285,000 $4,252 4.06%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 4 $2,050,000 $512,500 $11,110 4.97%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 5 $1,955,000 $391,000 $1,988 3.90%
COLORADO SPRINGS, CO (FHA|USDA|VA) 5 $1,895,000 $379,000 $5,170 4.48%
JACKSONVILLE, FL (FHA|USDA|VA) 6 $1,860,000 $310,000 $4,344 4.23%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 5 $1,825,000 $365,000 $6,314 3.98%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 4 $1,820,000 $455,000 $13,345 4.09%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 6 $1,800,000 $300,000 $8,580 3.83%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 4 $1,710,000 $427,500 $7,119 4.13%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 6 $1,710,000 $285,000 $6,200 4.05%
ALBUQUERQUE, NM (FHA|USDA|VA) 5 $1,565,000 $313,000 $6,169 4.30%
RICHMOND, VA (FHA|USDA|VA) 4 $1,480,000 $370,000 $3,626 4.25%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 6 $1,450,000 $241,667 $3,168 4.23%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 5 $1,405,000 $281,000 $5,957 4.13%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 4 $1,380,000 $345,000 $6,054 3.91%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 5 $1,325,000 $265,000 $5,272 4.65%
Warrensburg, MO (FHA|USDA|VA) 4 $1,310,000 $327,500 $4,038 4.16%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 4 $1,290,000 $322,500 $5,837 3.91%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 5 $1,225,000 $245,000 $5,548 4.33%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 4 $1,190,000 $297,500 $4,306 4.06%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 3 $1,175,000 $391,667 $9,654 3.75%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 3 $1,155,000 $385,000 $8,027 3.96%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 3 $1,155,000 $385,000 $4,370 3.75%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 3 $1,025,000 $341,667 $3,605 4.38%
OKLAHOMA CITY, OK (FHA|USDA|VA) 3 $1,015,000 $338,333 $2,377 4.04%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 4 $1,010,000 $252,500 $7,638 3.81%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 3 $995,000 $331,667 $3,238 4.42%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 3 $975,000 $325,000 $4,547 4.46%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 4 $960,000 $240,000 $2,664 4.03%
SALISBURY, MD-DE (FHA|USDA|VA) 4 $960,000 $240,000 $4,520 4.63%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 4 $950,000 $237,500 $5,881 3.97%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 5 $945,000 $189,000 $3,695 4.65%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 2 $900,000 $450,000 $2,485 4.19%
CHARLOTTESVILLE, VA (FHA|USDA|VA) 2 $880,000 $440,000 $15,466 4.25%
WORCESTER, MA-CT (FHA|USDA|VA) 3 $855,000 $285,000 $6,718 4.46%
GREENVILLE, NC (FHA|USDA|VA) 2 $810,000 $405,000 $2,454 4.44%
BOISE CITY, ID (FHA|USDA|VA) 2 $770,000 $385,000 $11,515 4.06%
LAWRENCE, KS (FHA|USDA|VA) 4 $760,000 $190,000 $4,468 4.44%
BATON ROUGE, LA (FHA|USDA|VA) 2 $740,000 $370,000 $10,842 4.38%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 2 $700,000 $350,000 $2,403 4.81%
BARNSTABLE TOWN, MA (FHA|USDA|VA) 2 $690,000 $345,000 $2,626 3.75%
GREELEY, CO (FHA|USDA|VA) 2 $680,000 $340,000 $4,951 4.06%
TUCSON, AZ (FHA|USDA|VA) 2 $670,000 $335,000 $6,014 4.13%
WILMINGTON, NC (FHA|USDA|VA) 2 $670,000 $335,000 $4,935 3.81%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 2 $670,000 $335,000 $1,505 3.56%
FRESNO, CA (FHA|USDA|VA) 2 $660,000 $330,000 $4,788 4.00%
BOULDER, CO (FHA|USDA|VA) 1 $645,000 $645,000 $2,679 3.38%
Kalispell, MT (FHA|USDA|VA) 2 $640,000 $320,000 $6,075 4.25%
Durango, CO (FHA|USDA|VA) 1 $635,000 $635,000 $1,853 3.63%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 3 $635,000 $211,667 $3,434 4.25%
ALBANY-LEBANON, OR (FHA|USDA|VA) 2 $630,000 $315,000 $6,275 4.31%
BILLINGS, MT (FHA|USDA|VA) 1 $625,000 $625,000 $15,255 4.25%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 2 $620,000 $310,000 $8,450 4.19%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 2 $620,000 $310,000 $9,605 3.88%
FORT COLLINS, CO (FHA|USDA|VA) 1 $605,000 $605,000 $2,874 4.63%
MODESTO, CA (FHA|USDA|VA) 1 $605,000 $605,000 $12,374 3.88%
BEND, OR (FHA|USDA|VA) 2 $600,000 $300,000 $5,114 4.25%
ANCHORAGE, AK (FHA|USDA|VA) 1 $595,000 $595,000 $2,799 4.38%
CANTON-MASSILLON, OH (FHA|USDA|VA) 2 $580,000 $290,000 $2,912 4.31%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 2 $560,000 $280,000 $5,460 5.00%
SALT LAKE CITY, UT (FHA|USDA|VA) 2 $560,000 $280,000 $5,454 4.56%
VICTORIA, TX (FHA|USDA|VA) 2 $540,000 $270,000 $3,581 3.63%
Susanville, CA (FHA|USDA|VA) 1 $505,000 $505,000 $12,261 4.38%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 2 $500,000 $250,000 $2,755 4.13%
LOUISVILLE, KY (FHA|USDA|VA) 2 $500,000 $250,000 $8,430 4.06%
YAKIMA, WA (FHA|USDA|VA) 1 $495,000 $495,000 $13,168 4.50%
Outside of Metro Areas 2 $490,000 $245,000 $8,327 3.94%
SANTA FE, NM (FHA|USDA|VA) 2 $490,000 $245,000 $4,037 3.25%
HOT SPRINGS, AR (FHA|USDA|VA) 1 $465,000 $465,000 $16,880 3.75%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 2 $460,000 $230,000 $5,205 4.56%
WATERLOO-CEDAR FALLS, IA (FHA|USDA|VA) 1 $455,000 $455,000 $1,847 3.88%
LINCOLN, NE (FHA|USDA|VA) 1 $455,000 $455,000 $2,878 4.50%
SALINAS, CA (FHA|USDA|VA) 1 $455,000 $455,000 $3,365 4.75%
JEFFERSON CITY, MO (FHA|USDA|VA) 1 $445,000 $445,000 $3,125 5.38%
VALLEJO, CA (FHA|USDA|VA) 1 $445,000 $445,000 $2,977 3.50%
EL PASO, TX (FHA|USDA|VA) 2 $440,000 $220,000 $3,926 4.06%
CORVALLIS, OR (FHA|USDA|VA) 1 $425,000 $425,000 $17,509 4.50%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 1 $425,000 $425,000 $4,462 4.25%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 1 $415,000 $415,000 $2,260 4.75%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 2 $410,000 $205,000 $6,557 4.31%
TERRE HAUTE, IN (FHA|USDA|VA) 1 $405,000 $405,000 $6,988 4.25%
Morehead City, NC (FHA|USDA|VA) 1 $395,000 $395,000 $4,280 4.50%
MIDLAND, TX (FHA|USDA|VA) 1 $395,000 $395,000 $4,764 4.38%
COLUMBIA, MO (FHA|USDA|VA) 2 $390,000 $195,000 $1,778 4.44%
TWIN FALLS, ID (FHA|USDA|VA) 1 $385,000 $385,000 $13,418 4.38%
DULUTH, MN-WI (FHA|USDA|VA) 1 $385,000 $385,000 $7,224 4.13%
WINCHESTER, VA-WV (FHA|USDA|VA) 1 $385,000 $385,000 $14,812 4.13%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 1 $385,000 $385,000 $12,928 4.00%
PITTSBURGH, PA (FHA|USDA|VA) 2 $380,000 $190,000 $5,911 4.44%
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 1 $375,000 $375,000 $1,304 3.75%
Gillette, WY (FHA|USDA|VA) 1 $365,000 $365,000 $5,143 4.13%
ASHEVILLE, NC (FHA|USDA|VA) 1 $365,000 $365,000 $2,120 3.38%
Forest City, NC (FHA|USDA|VA) 1 $365,000 $365,000 $2,957 3.50%
Winona, MN (FHA|USDA|VA) 1 $365,000 $365,000 $2,332 3.50%
LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) 1 $365,000 $365,000 $13,644 4.13%
AMARILLO, TX (FHA|USDA|VA) 1 $355,000 $355,000 $8,404 5.00%
DOTHAN, AL (FHA|USDA|VA) 1 $355,000 $355,000 $1,277 4.25%
MUSKEGON, MI (FHA|USDA|VA) 1 $355,000 $355,000 $9,780 4.38%
Brainerd, MN (FHA|USDA|VA) 1 $355,000 $355,000 $12,351 4.00%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 1 $355,000 $355,000 $9,299 4.00%
ST. GEORGE, UT (FHA|USDA|VA) 1 $355,000 $355,000 $2,841 4.00%
Gardnerville Ranchos, NV (FHA|USDA|VA) 1 $345,000 $345,000 $2,494 3.38%
GAINESVILLE, FL (FHA|USDA|VA) 1 $345,000 $345,000 $0 3.75%
COLUMBUS, GA-AL (FHA|USDA|VA) 1 $345,000 $345,000 $643 3.38%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 1 $335,000 $335,000 $12,471 4.13%
Farmington, MO (FHA|USDA|VA) 1 $335,000 $335,000 $13,949 4.25%
MONROE, LA (FHA|USDA|VA) 1 $325,000 $325,000 $13,516 3.63%
PANAMA CITY, FL (FHA|USDA|VA) 1 $325,000 $325,000 $3,269 4.25%
PROVO-OREM, UT (FHA|USDA|VA) 1 $315,000 $315,000 $12,630 3.75%
MOBILE, AL (FHA|USDA|VA) 1 $315,000 $315,000 $2,102 4.63%
Tullahoma-Manchester, TN (FHA|USDA|VA) 1 $315,000 $315,000 $3,144 4.50%
SPRINGFIELD, MA (FHA|USDA|VA) 2 $310,000 $155,000 $3,907 4.75%
BRUNSWICK, GA (FHA|USDA|VA) 1 $305,000 $305,000 $12,670 3.75%
STOCKTON, CA (FHA|USDA|VA) 1 $305,000 $305,000 $7,981 4.13%
WARNER ROBINS, GA (FHA|USDA|VA) 1 $305,000 $305,000 $2,544 3.75%
YORK-HANOVER, PA (FHA|USDA|VA) 1 $305,000 $305,000 $3,516 4.00%
GAINESVILLE, GA (FHA|USDA|VA) 1 $295,000 $295,000 $7,457 3.50%
HUNTSVILLE, AL (FHA|USDA|VA) 1 $295,000 $295,000 $5,168 4.88%
MACON-BIBB COUNTY, GA (FHA|USDA|VA) 1 $295,000 $295,000 $6,162 4.25%
BANGOR, ME (FHA|USDA|VA) 1 $295,000 $295,000 $7,440 3.63%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 1 $295,000 $295,000 $2,187 4.25%
MISSOULA, MT (FHA|USDA|VA) 1 $285,000 $285,000 $4,598 5.13%
DAYTON-KETTERING, OH (FHA|USDA|VA) 1 $285,000 $285,000 $8,488 3.88%
Traverse City, MI (FHA|USDA|VA) 1 $285,000 $285,000 $11,888 3.75%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 1 $275,000 $275,000 $11,443 4.25%
Kill Devil Hills, NC (FHA|USDA|VA) 1 $275,000 $275,000 $2,367 3.38%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 1 $275,000 $275,000 $6,853 3.63%
North Platte, NE (FHA|USDA|VA) 1 $275,000 $275,000 $7,133 4.63%
REDDING, CA (FHA|USDA|VA) 1 $265,000 $265,000 $2,477 4.38%
FAYETTEVILLE, NC (FHA|USDA|VA) 1 $255,000 $255,000 $2,577 3.63%
YUMA, AZ (FHA|USDA|VA) 1 $255,000 $255,000 $10,287 4.00%
MONTGOMERY, AL (FHA|USDA|VA) 1 $255,000 $255,000 $1,576 4.13%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 1 $255,000 $255,000 $3,574 4.50%
FLORENCE, SC (FHA|USDA|VA) 1 $245,000 $245,000 $2,494 4.38%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 1 $245,000 $245,000 $3,920 4.00%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 1 $245,000 $245,000 $6,594 4.25%
Sandusky, OH (FHA|USDA|VA) 1 $235,000 $235,000 $6,917 4.38%
COLUMBIA, SC (FHA|USDA|VA) 1 $235,000 $235,000 $2,354 3.25%
Truckee-Grass Valley, CA (FHA|USDA|VA) 1 $235,000 $235,000 $2,098 4.63%
MADISON, WI (FHA|USDA|VA) 1 $235,000 $235,000 $2,152 4.63%
DECATUR, IL (FHA|USDA|VA) 1 $235,000 $235,000 $2,146 4.00%
Sidney, OH (FHA|USDA|VA) 1 $225,000 $225,000 $6,975 4.50%
CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) 1 $225,000 $225,000 $5,151 4.63%
SPRINGFIELD, IL (FHA|USDA|VA) 1 $225,000 $225,000 $2,586 3.75%
Milledgeville, GA (FHA|USDA|VA) 1 $215,000 $215,000 $1,614 3.75%
Meridian, MS (FHA|USDA|VA) 1 $215,000 $215,000 $780 3.75%
Georgetown, SC (FHA|USDA|VA) 1 $215,000 $215,000 $6,073 4.38%
Alexander City, AL (FHA|USDA|VA) 1 $205,000 $205,000 $4,191 4.13%
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 1 $205,000 $205,000 $6,451 5.25%
PORT ST. LUCIE, FL (FHA|USDA|VA) 1 $205,000 $205,000 $7,174 4.25%
LAKE CHARLES, LA (FHA|USDA|VA) 1 $195,000 $195,000 $6,340 5.00%
Pahrump, NV (FHA|USDA|VA) 1 $195,000 $195,000 $9,318 3.75%
FLINT, MI (FHA|USDA|VA) 1 $195,000 $195,000 $2,162 3.50%
Rexburg, ID (FHA|USDA|VA) 1 $195,000 $195,000 $6,418 4.38%
LOGAN, UT-ID (FHA|USDA|VA) 1 $195,000 $195,000 $2,199 3.38%
OCALA, FL (FHA|USDA|VA) 1 $195,000 $195,000 $2,972 4.00%
Maryville, MO (FHA|USDA|VA) 1 $185,000 $185,000 $4,916 4.38%
CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) 1 $185,000 $185,000 $2,233 4.63%
Hannibal, MO (FHA|USDA|VA) 1 $185,000 $185,000 $2,033 5.00%
JACKSON, MS (FHA|USDA|VA) 1 $175,000 $175,000 $4,510 4.38%
Tifton, GA (FHA|USDA|VA) 1 $175,000 $175,000 $440 4.50%
ROCHESTER, MN (FHA|USDA|VA) 1 $165,000 $165,000 $5,145 4.63%
Bozeman, MT (FHA|USDA|VA) 1 $165,000 $165,000 $3,002 3.50%
SALEM, OR (FHA|USDA|VA) 1 $165,000 $165,000 $3,339 5.50%
Branson, MO (FHA|USDA|VA) 1 $165,000 $165,000 $3,835 4.25%
Brenham, TX (FHA|USDA|VA) 1 $155,000 $155,000 $2,976 4.75%
Cullowhee, NC (FHA|USDA|VA) 1 $155,000 $155,000 $3,114 4.75%
Helena, MT (FHA|USDA|VA) 1 $145,000 $145,000 $2,336 4.25%
Kendallville, IN (FHA|USDA|VA) 1 $145,000 $145,000 $3,569 5.13%
Hobbs, NM (FHA|USDA|VA) 1 $135,000 $135,000 $5,528 4.88%
MANSFIELD, OH (FHA|USDA|VA) 1 $105,000 $105,000 $2,163 4.75%
Vernal, UT (FHA|USDA|VA) 1 $85,000 $85,000 $2,097 5.38%
SPRINGFIELD, MO (FHA|USDA|VA) 1 $65,000 $65,000 $2,479 5.38%
First Federal Bank Of Kansas City's top markets include Kansas City, Houston, Las Vegas, Washington, and Dallas among others.

Their top states include:
  • Missouri (FHA|USDA|VA)
  • Kansas (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • California (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 797 $240,325,000 $301,537 $3,533 4.35%
    VA 305 $105,225,000 $345,000 $7,384 4.11%
    FHA 103 $21,955,000 $213,155 $6,401 4.50%
    USDA 9 $1,375,000 $152,778 $3,752 4.46%
    Reverse Mortgage 1 $445,000 $445,000 $0 3.88%

    For 2018, First Federal Bank Of Kansas City's most frequently originated type of loan was Conventional, with 797 originations. Their 2nd most popular type was VA, with 305 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 836 $249,450,000 $298,385 $4,657 4.36%
    Cash Out Refi 215 $65,555,000 $304,907 $5,427 4.21%
    Refi 111 $37,095,000 $334,189 $4,357 4.12%
    Home Improvement 53 $17,225,000 $325,000 $4,920 4.05%

    For 2018, First Federal Bank Of Kansas City's most frequently cited loan purpose was Home Purchase, with 836 originations. The 2nd most popular reason was Cash Out Refi, with 215 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 992 $283,170,000 $285,454 $4,671 4.32%
    30+ year 104 $54,890,000 $527,788 $7,405 4.22%
    15 Year 67 $15,855,000 $236,642 $3,615 4.18%
    20 Year 29 $7,315,000 $252,241 $3,282 4.52%
    Other 20 $7,240,000 $362,000 $5,358 3.71%
    10 Year 3 $855,000 $285,000 $2,452 4.08%

    For 2018, First Federal Bank Of Kansas City's most frequently cited loan duration was 30 Year, with 992 originations. The 2nd most popular length was 30+ year, with 104 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 879 $243,595,000 $277,127
    $1k-2k 94 $23,240,000 $247,234
    $5k+ 91 $52,015,000 $571,593
    $2k-3k 60 $17,600,000 $293,333
    $4k-5k 39 $15,685,000 $402,179
    $3k-4k 37 $12,715,000 $343,649

    First Federal Bank Of Kansas City's average total fees were $4,671, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 879 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 689 $205,705,000 $298,556
    3-4% 407 $140,665,000 $345,614
    5-6% 104 $18,660,000 $179,423
    2.5-3% 15 $4,295,000 $286,333

    During 2018, First Federal Bank Of Kansas City's average interest rate for loans was 4.32%, while their most frequently originated rate bucket for loans was 4-5%, with 689 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 601 $173,195,000 $288,178 $4,792 4.22%
    $100k-200k 287 $44,195,000 $153,990 $3,208 4.49%
    $400k-600k 214 $100,430,000 $469,299 $6,446 4.20%
    $600k-1MM 59 $42,115,000 $713,814 $8,702 4.06%
    $100,000 or less 49 $3,705,000 $75,612 $2,545 4.96%
    $1MM+ 5 $5,685,000 $1,137,000 $9,709 4.05%

    2018 saw First Federal Bank Of Kansas City place emphasis on $200k-400k loans with 601 originations, totaling $173,195,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 334 $108,000,000 $323,353 $4,929 4.23%
    $150k-250k 231 $91,875,000 $397,727 $5,529 4.30%
    $50k-75k 227 $48,685,000 $214,471 $4,165 4.43%
    $75k-100k 217 $58,055,000 $267,535 $4,898 4.24%
    $50k or less 121 $18,125,000 $149,793 $3,376 4.64%
    $250k+ 68 $39,240,000 $577,059 $6,481 4.08%

    First Federal Bank Of Kansas City lent most frequently to those with incomes in the $100k-150k range, with 334 originations. The second most popular income band? $150k-250k, with 231 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 230 $66,800,000 $290,435 $4,416 4.35%
    30-36% 224 $68,190,000 $304,420 $4,638 4.32%
    50-60% 89 $30,905,000 $347,247 $6,891 4.21%
    <20% 78 $20,600,000 $264,103 $3,859 4.21%
    43% 47 $14,635,000 $311,383 $4,625 4.43%
    36% 46 $13,400,000 $291,304 $3,855 4.35%
    38% 46 $14,000,000 $304,348 $5,047 4.43%
    45% 42 $11,870,000 $282,619 $4,638 4.35%
    41% 42 $12,900,000 $307,143 $4,288 4.40%
    39% 41 $12,975,000 $316,463 $5,272 4.23%
    44% 41 $13,135,000 $320,366 $4,949 4.08%
    40% 40 $13,030,000 $325,750 $3,935 4.27%
    37% 40 $11,760,000 $294,000 $5,740 4.41%
    42% 37 $10,765,000 $290,946 $4,846 4.44%
    47% 35 $11,715,000 $334,714 $5,579 4.29%
    48% 35 $9,365,000 $267,571 $5,288 4.17%
    49% 35 $10,635,000 $303,857 $4,847 4.36%
    46% 35 $11,055,000 $315,857 $5,190 4.29%
    >60% 23 $7,975,000 $346,739 $4,760 4.01%

    First Federal Bank Of Kansas City lent most frequently to those with DTI ratios of 20-30%, with 230 originations. The next most common DTI ratio? 30-36%, with 224 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 970 $298,840,000 $308,082 $4,804 4.29%
    Not provided 153 $45,145,000 $295,065 $4,894 4.30%
    Black 54 $13,500,000 $250,000 $4,615 4.57%
    Asian 28 $9,110,000 $325,357 $4,002 4.17%
    Native Hawaiian or Islander 3 $1,195,000 $398,333 $8,106 4.79%
    American Indian 4 $680,000 $170,000 $2,487 4.28%
    Asian Indian 2 $530,000 $265,000 $2,752 3.63%
    Other Asian 1 $325,000 $325,000 $3,955 3.50%

    Approval Rates

    Total approvals of all applications
    88.31%

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

    Pick Rate

    Approvals leading to origination
    61.56%

    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 1,215 $369,325,000 $303,971

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Site-Built 1,215 $369,325,000 $303,971

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 17 $3,635,000 $213,824 $3,048 4.22%
    40-60% 89 $22,145,000 $248,820 $3,435 4.15%
    60-80% 322 $95,880,000 $297,764 $3,934 4.26%
    80-100% 676 $195,650,000 $289,423 $4,861 4.36%
    Over 100% 109 $51,355,000 $471,147 $8,994 4.22%
    Under 20% 1 $255,000 $255,000 $4,922 4.13%

    Complaints

    Bank Name Product Issue 2018 CPFB Complaints % of Total Issues
    FIRST NATIONAL BANK OF OMAHA Conventional home mortgage Struggling to pay mortgage 1 50.0%
    FIRST NATIONAL BANK OF OMAHA Home equity loan or line of credit (HELOC) Closing on a mortgage 1 50.0%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    First Federal Bank of Kansas City 1200 Armour Road North Kansas City, MO 64116 Full Service B&M $52,008
    First Federal Bank of Kansas City 1255 Se Oldham Pkwy Lees Summit, MO 64081 Full Service B&M $64,297
    First Federal Bank of Kansas City 132 Oak Street Bonner Springs, KS 66012 Full Service B&M $15,426
    First Federal Bank of Kansas City 1919 N. 78 Street Kansas City, KS 66112 Full Service B&M $36,931
    First Federal Bank of Kansas City 3500 South Noland Road Independence, MO 64055 Full Service B&M $59,353
    First Federal Bank of Kansas City 4227 Blue Ridge Boulevard Kansas City, MO 64133 Full Service B&M $53,123
    First Federal Bank of Kansas City 6900 North Executive Drive Kansas City, MO 64120 Full Service B&M $54,131
    First Federal Bank of Kansas City 711 Minnesota Avenue Kansas City, KS 66101 Full Service B&M $19,943
    First Federal Bank of Kansas City 8000 State Line Rd Prairie Village, KS 66208 Full Service B&M $16,268
    First Federal Bank of Kansas City 8308 N.W. Prairie Road Kansas City, MO 64151 Full Service B&M $45,675
    First Federal Bank of Kansas City 8629 Metcalf Overland Park, KS 66212 Full Service B&M $33,247
    First Federal Bank of Kansas City 9330 East Gregory Boulevard Raytown, MO 64133 Full Service B&M $70,005

    For 2018, First Federal Bank Of Kansas City had 12 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $24,618
    Net interest income $16,144
    Total noninterest income $11,135
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $890
    Trading account gains and fees $0
    Additional Noninterest Income $10,245
    Pre-tax net operating income $-2,043
    Securities gains (or losses, -) $0
    Income before extraordinary items $-1,379
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $-1,379
    Minority interest net income $0
    Net income $-1,379
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $-1,379

    First Federal Bank Of Kansas City's gross interest income from loans was $24,618,000.
    First Federal Bank Of Kansas City's net interest income from loans was $16,144,000.
    First Federal Bank Of Kansas City's fee based income from loans was $890,000.
    First Federal Bank Of Kansas City's net income from loans was $-1,379,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $8,474
    Provision for credit losses $579
    Total noninterest expense $28,743
    Salaries and employee benefits $17,270
    Premises and equipment expense $2,984
    Additional noninterest expense $8,489
    Applicable income taxes $-664
    Net charge-offs $127
    Cash dividends $0

    First Federal Bank Of Kansas City's interest expense for loans was $8,474,000.
    First Federal Bank Of Kansas City's payroll and benefits expense were $17,270,000.
    First Federal Bank Of Kansas City's property, plant and equipment expenses $2,984,000.

    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 $518,453
    Deposits held in domestic offices $518,453
    Deposits by Individuals, partnerships, and corporations $491,556
    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. $26,897
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $124,959
    Demand deposits $29,300
    Nontransaction accounts $393,494
    Money market deposit accounts (MMDAs) $15,118
    Other savings deposits (excluding MMDAs) $86,005
    Total time deposits $292,372
    Total time and savings deposits $489,153
    Noninterest-bearing deposits $29,300
    Interest-bearing deposits $489,153
    Retail deposits $490,808
    IRAs and Keogh plan accounts $42,870
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $820,261
    Cash & Balances due from depository institutions $15,629
    Interest-bearing balances $9,682
    Total securities $126,204
    Federal funds sold & reverse repurchase $0
    Net loans and leases $612,345
    Loan and leases loss allowance $3,026
    Trading account assets $0
    Bank premises and fixed assets $12,506
    Other real estate owned $0
    Goodwill and other intangibles $11,111
    All other assets $42,466

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $820,261
    Total Liabilities $716,486
    Total deposits $518,453
    Interest-bearing deposits $489,153
    Deposits held in domestic offices $518,453
    % insured (estimated) $97
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $193,000
    Subordinated debt $0
    All other liabilities $5,033

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $612,345
    Loan and leases loss allowance $3,026
    Total loans and leases (domestic) $615,371
    All real estate loans $598,936
    Real estate loans in domestic offices $598,936
    Construction and development loans $55,098
    Residential 1-4 family construction $54,803
    Other construction, all land development and other land $295
    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 $543,838
    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 $16,405
    Credit card loans $0
    Related Plans $0
    Consumer Auto Loans $1,284
    Other loans to individuals $15,121
    All other loans & leases $31
    Loans to foreign governments and official institutions $0
    Other loans $31
    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 $612,345,000 of loans outstanding in 2018. $598,936,000 of loans were in real estate loans. $55,098,000 of loans were in development loans. $0 of loans were in multifamily mortgage loans. $543,838,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $0 of loans were in credit card loans. $1,284,000 of loans were in the auto loan category.

    Small Business Loans

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