First Federal Bank Of Kansas City Mortgage Rates, Fees & Info
Kansas City, MOLEI: 549300W5A6PQ1VJG3497
Tax ID: 44-0246815
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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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.52% | 12/16/24 |
| 30 Year Conventional Refi | 6.35% | 12/16/24 |
| 30 Year Cash-out Refi | 6.69% | 12/16/24 |
| 30 Year FHA Purchase | 7.37% | 12/16/24 |
| 30 Year VA Purchase | 6.15% | 12/16/24 |
| 30 Year VA Refi | 5.70% | 12/16/24 |
| 15 Year Conventional Purchase | 6.07% | 12/16/24 |
| 15 Year Conventional Refi | 6.03% | 12/16/24 |
| 15 Year Cash-out Refi | 6.03% | 12/16/24 |
| 15 Year VA Purchase | 5.98% | 12/16/24 |
| 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
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
1,215Origination Dollar Volume (All Markets)
$369,325,000Employee count
192Awards
First Federal Bank of Kansas City - 2018
First Federal Bank of Kansas City is a 2018 , due to their low .
For 2018, less than of lenders were eligible for this award.
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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% |
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Product Mix
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
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
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
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
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
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
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
Approval Rates
Total approvals of all applications88.31%
First Federal Bank Of Kansas City has an average approval rate.
Pick Rate
Approvals leading to origination61.56%
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
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 |
|---|