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

Kansas City, MO

LEI: 549300W5A6PQ1VJG3497

Tax ID: 44-0246815

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Bank Data

Review & Overview

First Federal Bank Of Kansas City is a smaller bank specializing in Home Purchase, Refi, and Cash Out Refi 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, Washington, Las Vegas, Phoenix, and Atlanta among others. We have data for 252 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 an average 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% 4/22/24
30 Year Conventional Refi 6.35% 4/22/24
30 Year Cash-out Refi 6.69% 4/22/24
30 Year FHA Purchase 7.37% 4/22/24
30 Year VA Purchase 6.15% 4/22/24
30 Year VA Refi 5.70% 4/22/24
15 Year Conventional Purchase 6.07% 4/22/24
15 Year Conventional Refi 6.03% 4/22/24
15 Year Cash-out Refi 6.03% 4/22/24
15 Year VA Purchase 5.98% 4/22/24
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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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

1,579

Origination Dollar Volume (All Markets)

$497,845,000

Employee count

149 Show all (25) 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) 593 $164,555,000 $277,496 $3,922 4.10%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 39 $18,025,000 $462,179 $6,407 3.53%
Outside of Metro Areas 50 $13,210,000 $264,200 $4,916 3.80%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 33 $11,495,000 $348,333 $6,464 3.78%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 28 $10,270,000 $366,786 $5,570 3.74%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 31 $10,225,000 $329,839 $5,404 3.67%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 33 $9,435,000 $285,909 $4,161 3.68%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 16 $9,080,000 $567,500 $5,557 3.75%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 21 $8,375,000 $398,810 $6,023 3.58%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 22 $7,840,000 $356,364 $8,283 3.63%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 16 $7,670,000 $479,375 $5,698 3.48%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 17 $7,165,000 $421,471 $4,714 3.74%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 16 $6,230,000 $389,375 $7,052 3.45%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 15 $6,085,000 $405,667 $4,572 3.78%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 16 $6,070,000 $379,375 $6,640 3.53%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 16 $6,020,000 $376,250 $7,902 3.70%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 19 $5,665,000 $298,158 $6,301 3.59%
COLORADO SPRINGS, CO (FHA|USDA|VA) 12 $5,200,000 $433,333 $7,268 3.36%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 12 $5,050,000 $420,833 $7,192 3.52%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 13 $4,905,000 $377,308 $5,795 3.54%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 13 $4,665,000 $358,846 $4,252 3.27%
BOISE CITY, ID (FHA|USDA|VA) 13 $4,575,000 $351,923 $6,118 3.50%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 14 $4,560,000 $325,714 $2,817 3.57%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 9 $4,095,000 $455,000 $5,829 3.56%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 13 $4,025,000 $309,615 $5,063 3.73%
ST. LOUIS, MO-IL (FHA|USDA|VA) 11 $3,705,000 $336,818 $5,495 3.58%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 9 $3,315,000 $368,333 $7,332 3.42%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 8 $3,210,000 $401,250 $6,003 3.97%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 7 $3,175,000 $453,571 $4,278 3.86%
JACKSONVILLE, FL (FHA|USDA|VA) 8 $3,140,000 $392,500 $4,662 3.52%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 8 $2,740,000 $342,500 $8,604 3.47%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 8 $2,740,000 $342,500 $6,090 3.44%
RALEIGH-CARY, NC (FHA|USDA|VA) 8 $2,700,000 $337,500 $6,407 3.58%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 7 $2,585,000 $369,286 $5,543 3.64%
RICHMOND, VA (FHA|USDA|VA) 7 $2,585,000 $369,286 $4,368 3.41%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 7 $2,125,000 $303,571 $6,806 3.68%
WICHITA, KS (FHA|USDA|VA) 8 $2,100,000 $262,500 $3,378 3.89%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 6 $2,000,000 $333,333 $3,764 3.88%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 7 $1,965,000 $280,714 $5,582 3.30%
TUCSON, AZ (FHA|USDA|VA) 6 $1,920,000 $320,000 $3,985 3.46%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 6 $1,840,000 $306,667 $3,094 3.73%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 6 $1,720,000 $286,667 $4,891 3.50%
SPRINGFIELD, MO (FHA|USDA|VA) 7 $1,645,000 $235,000 $4,212 3.68%
SALT LAKE CITY, UT (FHA|USDA|VA) 5 $1,635,000 $327,000 $4,141 3.48%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 5 $1,625,000 $325,000 $4,181 3.45%
VALLEJO, CA (FHA|USDA|VA) 3 $1,545,000 $515,000 $8,833 4.13%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 4 $1,540,000 $385,000 $4,507 3.59%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 3 $1,525,000 $508,333 $14,279 3.96%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 5 $1,525,000 $305,000 $3,272 3.58%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 5 $1,505,000 $301,000 $7,415 3.35%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 5 $1,445,000 $289,000 $7,508 3.65%
FORT COLLINS, CO (FHA|USDA|VA) 4 $1,380,000 $345,000 $2,247 3.78%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 4 $1,370,000 $342,500 $9,228 3.91%
OKLAHOMA CITY, OK (FHA|USDA|VA) 5 $1,305,000 $261,000 $2,758 3.58%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 6 $1,300,000 $216,667 $2,237 3.48%
Outside of Metro Areas 4 $1,270,000 $317,500 $5,678 3.41%
WINCHESTER, VA-WV (FHA|USDA|VA) 3 $1,255,000 $418,333 $9,962 3.63%
WORCESTER, MA-CT (FHA|USDA|VA) 4 $1,230,000 $307,500 $5,312 3.88%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 2 $1,230,000 $615,000 $12,740 4.00%
ALBUQUERQUE, NM (FHA|USDA|VA) 3 $1,185,000 $395,000 $8,944 3.71%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 5 $1,155,000 $231,000 $5,141 3.70%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 3 $1,145,000 $381,667 $3,592 3.63%
MANCHESTER-NASHUA, NH (FHA|USDA|VA) 3 $1,125,000 $375,000 $2,390 3.83%
SALINAS, CA (FHA|USDA|VA) 2 $1,110,000 $555,000 $5,214 3.69%
YUBA CITY, CA (FHA|USDA|VA) 3 $1,105,000 $368,333 $6,826 3.67%
GAINESVILLE, GA (FHA|USDA|VA) 3 $1,095,000 $365,000 $7,729 3.75%
BEND, OR (FHA|USDA|VA) 3 $1,085,000 $361,667 $7,826 3.63%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 4 $1,080,000 $270,000 $3,464 3.25%
FAYETTEVILLE, NC (FHA|USDA|VA) 4 $1,060,000 $265,000 $3,075 3.59%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 2 $1,030,000 $515,000 $3,531 3.81%
SAVANNAH, GA (FHA|USDA|VA) 2 $1,020,000 $510,000 $2,984 3.88%
SALISBURY, MD-DE (FHA|USDA|VA) 4 $1,010,000 $252,500 $4,598 3.66%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 3 $995,000 $331,667 $2,399 3.29%
COLUMBUS, OH (FHA|USDA|VA) 3 $985,000 $328,333 $2,520 3.33%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 3 $985,000 $328,333 $1,921 3.67%
SALEM, OR (FHA|USDA|VA) 4 $980,000 $245,000 $5,138 3.72%
Warrensburg, MO (FHA|USDA|VA) 3 $945,000 $315,000 $7,654 3.58%
PORT ST. LUCIE, FL (FHA|USDA|VA) 4 $940,000 $235,000 $3,840 3.91%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 3 $935,000 $311,667 $3,497 3.46%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 4 $920,000 $230,000 $3,636 4.28%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 2 $910,000 $455,000 $2,768 3.75%
ANCHORAGE, AK (FHA|USDA|VA) 2 $900,000 $450,000 $6,567 3.63%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 1 $895,000 $895,000 $5,881 3.25%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 3 $895,000 $298,333 $2,225 3.63%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 1 $855,000 $855,000 $17,915 3.25%
SPARTANBURG, SC (FHA|USDA|VA) 3 $815,000 $271,667 $9,452 3.92%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 2 $800,000 $400,000 $4,511 3.63%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 3 $785,000 $261,667 $4,913 3.67%
CORVALLIS, OR (FHA|USDA|VA) 2 $770,000 $385,000 $8,907 3.25%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 2 $760,000 $380,000 $2,842 3.19%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 3 $755,000 $251,667 $4,791 3.63%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 3 $755,000 $251,667 $9,105 4.13%
HUNTSVILLE, AL (FHA|USDA|VA) 2 $750,000 $375,000 $1,587 3.19%
TERRE HAUTE, IN (FHA|USDA|VA) 2 $710,000 $355,000 $2,426 3.81%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 3 $695,000 $231,667 $4,728 3.92%
Fort Leonard Wood, MO (FHA|USDA|VA) 3 $685,000 $228,333 $1,599 3.79%
PUNTA GORDA, FL (FHA|USDA|VA) 3 $665,000 $221,667 $8,066 3.50%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 2 $660,000 $330,000 $5,851 4.00%
STOCKTON, CA (FHA|USDA|VA) 2 $640,000 $320,000 $9,637 3.56%
COLUMBIA, SC (FHA|USDA|VA) 2 $630,000 $315,000 $7,501 3.88%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 1 $625,000 $625,000 $4,455 4.88%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 2 $620,000 $310,000 $9,738 4.13%
CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) 2 $610,000 $305,000 $4,249 3.69%
PROVO-OREM, UT (FHA|USDA|VA) 2 $600,000 $300,000 $3,037 3.31%
MODESTO, CA (FHA|USDA|VA) 1 $595,000 $595,000 $4,118 3.38%
LAWTON, OK (FHA|USDA|VA) 2 $590,000 $295,000 $1,573 3.94%
DAYTON-KETTERING, OH (FHA|USDA|VA) 3 $585,000 $195,000 $7,417 4.38%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 2 $570,000 $285,000 $3,405 3.81%
ASHEVILLE, NC (FHA|USDA|VA) 1 $565,000 $565,000 $3,274 4.00%
Lebanon, NH-VT (FHA|USDA|VA) 2 $560,000 $280,000 $4,679 3.56%
PITTSBURGH, PA (FHA|USDA|VA) 2 $560,000 $280,000 $7,995 3.25%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 1 $545,000 $545,000 $2,738 3.13%
JACKSON, MS (FHA|USDA|VA) 1 $545,000 $545,000 $19,345 3.25%
ST. JOSEPH, MO-KS (FHA|USDA|VA) 3 $535,000 $178,333 $6,034 4.08%
LAFAYETTE, LA (FHA|USDA|VA) 1 $535,000 $535,000 $19,853 3.88%
LAS CRUCES, NM (FHA|USDA|VA) 2 $530,000 $265,000 $2,421 3.75%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 1 $525,000 $525,000 $1,780 3.25%
DOTHAN, AL (FHA|USDA|VA) 2 $520,000 $260,000 $3,401 3.25%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 2 $520,000 $260,000 $1,408 3.56%
BILLINGS, MT (FHA|USDA|VA) 1 $515,000 $515,000 $21,513 3.38%
READING, PA (FHA|USDA|VA) 2 $510,000 $255,000 $4,611 3.19%
Pittsburg, KS (FHA|USDA|VA) 3 $505,000 $168,333 $2,602 4.13%
EAU CLAIRE, WI (FHA|USDA|VA) 2 $500,000 $250,000 $4,312 3.94%
LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) 2 $500,000 $250,000 $2,576 3.75%
ROANOKE, VA (FHA|USDA|VA) 1 $495,000 $495,000 $1,929 3.13%
YAKIMA, WA (FHA|USDA|VA) 1 $495,000 $495,000 $4,017 3.25%
TOLEDO, OH (FHA|USDA|VA) 2 $490,000 $245,000 $4,553 3.75%
BATON ROUGE, LA (FHA|USDA|VA) 1 $485,000 $485,000 $4,389 3.13%
MANHATTAN, KS (FHA|USDA|VA) 1 $485,000 $485,000 $1,924 3.00%
Heber, UT (FHA|USDA|VA) 1 $475,000 $475,000 $16,834 3.13%
COLUMBIA, MO (FHA|USDA|VA) 2 $470,000 $235,000 $6,104 4.38%
Kerrville, TX (FHA|USDA|VA) 1 $465,000 $465,000 $4,003 3.88%
NILES, MI (FHA|USDA|VA) 2 $460,000 $230,000 $4,427 3.44%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 2 $460,000 $230,000 $4,392 3.88%
WATERLOO-CEDAR FALLS, IA (FHA|USDA|VA) 1 $455,000 $455,000 $3,674 3.38%
JEFFERSON CITY, MO (FHA|USDA|VA) 1 $445,000 $445,000 $2,205 4.00%
Astoria, OR (FHA|USDA|VA) 1 $445,000 $445,000 $18,303 3.88%
WILMINGTON, NC (FHA|USDA|VA) 1 $445,000 $445,000 $4,756 3.00%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 2 $440,000 $220,000 $3,338 4.06%
DALTON, GA (FHA|USDA|VA) 1 $425,000 $425,000 $8,460 4.00%
Sunbury, PA (FHA|USDA|VA) 2 $420,000 $210,000 $6,436 4.38%
MONROE, LA (FHA|USDA|VA) 1 $405,000 $405,000 $2,952 3.25%
MERCED, CA (FHA|USDA|VA) 1 $405,000 $405,000 $2,452 3.50%
Stevens Point, WI (FHA|USDA|VA) 1 $405,000 $405,000 $1,194 3.25%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 1 $395,000 $395,000 $13,403 4.00%
DULUTH, MN-WI (FHA|USDA|VA) 1 $395,000 $395,000 $4,020 3.38%
LAWRENCE, KS (FHA|USDA|VA) 2 $380,000 $190,000 $2,379 4.00%
Riverton, WY (FHA|USDA|VA) 1 $375,000 $375,000 $1,850 3.00%
Richmond-Berea, KY (FHA|USDA|VA) 1 $365,000 $365,000 $2,368 3.63%
Ottawa, KS (FHA|USDA|VA) 3 $365,000 $121,667 $4,869 4.67%
ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 2 $360,000 $180,000 $8,758 3.69%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 2 $360,000 $180,000 $6,776 4.38%
Alma, MI (FHA|USDA|VA) 1 $345,000 $345,000 $2,598 3.25%
COLUMBUS, IN (FHA|USDA|VA) 1 $345,000 $345,000 $1,959 3.00%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 1 $345,000 $345,000 $11,822 3.75%
ALEXANDRIA, LA (FHA|USDA|VA) 1 $345,000 $345,000 $3,920 3.75%
GETTYSBURG, PA (FHA|USDA|VA) 1 $325,000 $325,000 $3,482 3.00%
PANAMA CITY, FL (FHA|USDA|VA) 1 $325,000 $325,000 $1,909 3.63%
Show Low, AZ (FHA|USDA|VA) 1 $325,000 $325,000 $14,543 3.25%
TULSA, OK (FHA|USDA|VA) 2 $320,000 $160,000 $3,331 4.00%
CEDAR RAPIDS, IA (FHA|USDA|VA) 1 $315,000 $315,000 $1,395 3.13%
ROCHESTER, MN (FHA|USDA|VA) 1 $315,000 $315,000 $0 3.38%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 1 $305,000 $305,000 $906 3.25%
MUSKEGON, MI (FHA|USDA|VA) 1 $305,000 $305,000 $2,028 3.25%
Bellefontaine, OH (FHA|USDA|VA) 1 $295,000 $295,000 $2,064 3.88%
REDDING, CA (FHA|USDA|VA) 1 $295,000 $295,000 $2,434 3.25%
Sanford, NC (FHA|USDA|VA) 1 $295,000 $295,000 $1,906 3.25%
Russellville, AR (FHA|USDA|VA) 1 $295,000 $295,000 $3,553 4.13%
NORWICH-NEW LONDON, CT (FHA|USDA|VA) 1 $295,000 $295,000 $12,003 3.38%
ST. GEORGE, UT (FHA|USDA|VA) 1 $295,000 $295,000 $1,082 4.00%
HINESVILLE, GA (FHA|USDA|VA) 1 $285,000 $285,000 $4,548 3.63%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 1 $285,000 $285,000 $7,146 4.00%
CHARLOTTESVILLE, VA (FHA|USDA|VA) 1 $285,000 $285,000 $5,390 4.13%
LOUISVILLE, KY (FHA|USDA|VA) 1 $285,000 $285,000 $11,552 4.50%
Maryville, MO (FHA|USDA|VA) 2 $280,000 $140,000 $3,001 4.19%
Spirit Lake, IA (FHA|USDA|VA) 1 $275,000 $275,000 $2,247 3.38%
ST. CLOUD, MN (FHA|USDA|VA) 1 $275,000 $275,000 $8,842 4.00%
MADERA, CA (FHA|USDA|VA) 1 $275,000 $275,000 $3,309 3.13%
GADSDEN, AL (FHA|USDA|VA) 1 $265,000 $265,000 $11,134 3.25%
JACKSON, TN (FHA|USDA|VA) 1 $265,000 $265,000 $3,515 3.38%
Holland, MI (FHA|USDA|VA) 1 $265,000 $265,000 $1,910 3.13%
YORK-HANOVER, PA (FHA|USDA|VA) 1 $265,000 $265,000 $8,204 4.38%
GAINESVILLE, FL (FHA|USDA|VA) 1 $265,000 $265,000 $3,059 3.25%
AMARILLO, TX (FHA|USDA|VA) 1 $255,000 $255,000 $7,331 3.75%
Seymour, IN (FHA|USDA|VA) 1 $255,000 $255,000 $2,411 4.38%
Roswell, NM (FHA|USDA|VA) 1 $255,000 $255,000 $13,033 3.25%
ENID, OK (FHA|USDA|VA) 1 $255,000 $255,000 $6,048 3.88%
ALBANY-LEBANON, OR (FHA|USDA|VA) 1 $255,000 $255,000 $10,474 3.25%
Muskogee, OK (FHA|USDA|VA) 1 $255,000 $255,000 $7,909 3.38%
MEDFORD, OR (FHA|USDA|VA) 1 $255,000 $255,000 $8,723 3.50%
Enterprise, AL (FHA|USDA|VA) 1 $245,000 $245,000 $10,258 3.88%
VISALIA, CA (FHA|USDA|VA) 1 $245,000 $245,000 $6,774 3.63%
GREEN BAY, WI (FHA|USDA|VA) 1 $245,000 $245,000 $6,703 3.63%
CHEYENNE, WY (FHA|USDA|VA) 1 $245,000 $245,000 $10,297 4.00%
Forest City, NC (FHA|USDA|VA) 1 $245,000 $245,000 $3,216 4.75%
Roseburg, OR (FHA|USDA|VA) 1 $235,000 $235,000 $8,169 3.88%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 1 $235,000 $235,000 $8,939 4.25%
Payson, AZ (FHA|USDA|VA) 1 $235,000 $235,000 $9,759 4.00%
Helena, MT (FHA|USDA|VA) 1 $235,000 $235,000 $7,305 3.25%
OCALA, FL (FHA|USDA|VA) 1 $235,000 $235,000 $2,962 3.38%
WAUSAU-WESTON, WI (FHA|USDA|VA) 1 $235,000 $235,000 $2,240 3.25%
Jesup, GA (FHA|USDA|VA) 1 $235,000 $235,000 $2,742 4.13%
ANN ARBOR, MI (FHA|USDA|VA) 1 $235,000 $235,000 $2,646 3.63%
Lake City, FL (FHA|USDA|VA) 1 $235,000 $235,000 $824 3.38%
Searcy, AR (FHA|USDA|VA) 1 $235,000 $235,000 $2,399 3.38%
Albemarle, NC (FHA|USDA|VA) 1 $225,000 $225,000 $5,943 3.25%
Sidney, OH (FHA|USDA|VA) 1 $225,000 $225,000 $2,981 3.00%
Cambridge, MD (FHA|USDA|VA) 1 $225,000 $225,000 $525 3.88%
GREELEY, CO (FHA|USDA|VA) 1 $215,000 $215,000 $2,919 3.38%
Pinehurst-Southern Pines, NC (FHA|USDA|VA) 1 $215,000 $215,000 $3,159 3.88%
Coos Bay, OR (FHA|USDA|VA) 1 $215,000 $215,000 $6,290 3.50%
Sedalia, MO (FHA|USDA|VA) 1 $215,000 $215,000 $6,075 3.50%
Milledgeville, GA (FHA|USDA|VA) 1 $215,000 $215,000 $1,940 3.00%
RACINE, WI (FHA|USDA|VA) 1 $215,000 $215,000 $0 5.63%
Fitzgerald, GA (FHA|USDA|VA) 1 $205,000 $205,000 $2,624 3.38%
Jefferson, GA (FHA|USDA|VA) 1 $205,000 $205,000 $6,575 3.50%
Tullahoma-Manchester, TN (FHA|USDA|VA) 1 $205,000 $205,000 $5,277 3.50%
Barre, VT (FHA|USDA|VA) 1 $205,000 $205,000 $10,047 3.13%
JACKSONVILLE, NC (FHA|USDA|VA) 1 $205,000 $205,000 $2,770 2.88%
LINCOLN, NE (FHA|USDA|VA) 1 $205,000 $205,000 $0 4.13%
Meridian, MS (FHA|USDA|VA) 1 $205,000 $205,000 $1,131 3.00%
LEBANON, PA (FHA|USDA|VA) 1 $205,000 $205,000 $6,401 3.50%
Mount Vernon, OH (FHA|USDA|VA) 1 $205,000 $205,000 $7,000 3.38%
FORT SMITH, AR-OK (FHA|USDA|VA) 1 $195,000 $195,000 $2,629 4.00%
Rock Springs, WY (FHA|USDA|VA) 1 $195,000 $195,000 $6,619 3.38%
Torrington, CT (FHA|USDA|VA) 1 $195,000 $195,000 $8,606 3.38%
Keene, NH (FHA|USDA|VA) 1 $195,000 $195,000 $7,026 4.00%
Cookeville, TN (FHA|USDA|VA) 1 $195,000 $195,000 $500 4.13%
Cedar City, UT (FHA|USDA|VA) 1 $185,000 $185,000 $6,372 3.88%
SPRINGFIELD, MA (FHA|USDA|VA) 1 $185,000 $185,000 $6,376 3.50%
Concord, NH (FHA|USDA|VA) 1 $185,000 $185,000 $450 4.13%
Columbus, MS (FHA|USDA|VA) 1 $175,000 $175,000 $3,811 3.88%
Clovis, NM (FHA|USDA|VA) 1 $175,000 $175,000 $4,383 3.88%
FLAGSTAFF, AZ (FHA|USDA|VA) 1 $175,000 $175,000 $4,448 3.13%
Fort Morgan, CO (FHA|USDA|VA) 1 $175,000 $175,000 $6,818 5.88%
FORT WAYNE, IN (FHA|USDA|VA) 1 $175,000 $175,000 $2,325 3.38%
KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 1 $175,000 $175,000 $4,725 3.50%
GRAND FORKS, ND-MN (FHA|USDA|VA) 1 $165,000 $165,000 $5,277 4.50%
Ponca City, OK (FHA|USDA|VA) 1 $165,000 $165,000 $5,371 3.63%
BAKERSFIELD, CA (FHA|USDA|VA) 1 $165,000 $165,000 $0 4.75%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 1 $155,000 $155,000 $6,054 5.38%
Fort Polk South, LA (FHA|USDA|VA) 1 $155,000 $155,000 $0 3.25%
EVANSVILLE, IN-KY (FHA|USDA|VA) 1 $155,000 $155,000 $4,619 4.38%
WINSTON-SALEM, NC (FHA|USDA|VA) 1 $145,000 $145,000 $5,555 4.38%
KNOXVILLE, TN (FHA|USDA|VA) 1 $135,000 $135,000 $2,098 5.25%
Atchison, KS (FHA|USDA|VA) 1 $125,000 $125,000 $3,914 4.13%
Pella, IA (FHA|USDA|VA) 1 $125,000 $125,000 $1,587 3.25%
Kirksville, MO (FHA|USDA|VA) 1 $115,000 $115,000 $2,154 4.75%
Sevierville, TN (FHA|USDA|VA) 1 $105,000 $105,000 $2,904 4.63%
Scottsbluff, NE (FHA|USDA|VA) 1 $85,000 $85,000 $2,296 4.88%
WEIRTON-STEUBENVILLE, WV-OH (FHA|USDA|VA) 1 $65,000 $65,000 $3,811 5.13%
TOPEKA, KS (FHA|USDA|VA) 1 $45,000 $45,000 $927 5.38%
First Federal Bank Of Kansas City's top markets include Kansas City, Washington, Las Vegas, Phoenix, and Atlanta among others.

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

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    VA 769 $266,555,000 $346,625 $5,652 3.50%
    Conventional 641 $196,225,000 $306,123 $3,595 4.18%
    FHA 164 $34,300,000 $209,146 $6,490 3.99%
    USDA 5 $765,000 $153,000 $3,927 4.03%

    For 2019, First Federal Bank Of Kansas City's most frequently originated type of loan was VA, with 769 originations. Their 2nd most popular type was Conventional, with 641 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 782 $238,160,000 $304,552 $5,337 3.98%
    Refi 400 $142,510,000 $356,275 $3,044 3.44%
    Cash Out Refi 393 $115,545,000 $294,008 $5,999 3.91%
    Home Improvement 3 $1,395,000 $465,000 $7,647 4.13%
    Other 1 $235,000 $235,000 $2,399 3.38%

    For 2019, First Federal Bank Of Kansas City's most frequently cited loan purpose was Home Purchase, with 782 originations. The 2nd most popular reason was Refi, with 400 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,377 $424,035,000 $307,941 $5,000 3.82%
    15 Year 68 $17,590,000 $258,676 $2,817 3.71%
    30+ year 53 $31,415,000 $592,736 $7,435 4.29%
    20 Year 46 $11,170,000 $242,826 $3,482 3.91%
    Other 29 $12,205,000 $420,862 $5,338 3.61%
    10 Year 6 $1,430,000 $238,333 $2,686 3.40%

    For 2019, First Federal Bank Of Kansas City's most frequently cited loan duration was 30 Year, with 1,377 originations. The 2nd most popular length was 15 Year, with 68 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 1,197 $369,225,000 $308,459
    $1k-2k 128 $35,150,000 $274,609
    $2k-3k 73 $16,395,000 $224,589
    $5k+ 71 $44,475,000 $626,408
    $3k-4k 43 $12,955,000 $301,279
    $4k-5k 33 $12,175,000 $368,939

    First Federal Bank Of Kansas City's average total fees were $5,000, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,197 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 938 $313,310,000 $334,019
    4-5% 480 $137,090,000 $285,604
    2.5-3% 115 $39,975,000 $347,609
    5-6% 46 $7,470,000 $162,391

    During 2019, First Federal Bank Of Kansas City's average interest rate for loans was 3.82%, while their most frequently originated rate bucket for loans was 3-4%, with 938 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 813 $236,025,000 $290,314 $4,787 3.73%
    $100k-200k 323 $51,075,000 $158,127 $3,865 4.14%
    $400k-600k 305 $144,785,000 $474,705 $6,199 3.63%
    $600k-1MM 69 $49,835,000 $722,246 $7,703 3.75%
    $100,000 or less 58 $4,150,000 $71,552 $2,737 4.44%
    $1MM+ 11 $11,975,000 $1,088,636 $11,799 4.18%

    2019 saw First Federal Bank Of Kansas City place emphasis on $200k-400k loans with 813 originations, totaling $236,025,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 344 $113,840,000 $330,930 $5,663 3.89%
    $50k-75k 283 $60,105,000 $212,385 $4,867 4.03%
    $75k-100k 228 $61,290,000 $268,816 $5,371 3.96%
    $150k-250k 221 $95,395,000 $431,652 $6,187 3.88%
    $50k or less 135 $20,265,000 $150,111 $4,195 4.22%
    $250k+ 82 $40,740,000 $496,829 $5,641 3.79%

    First Federal Bank Of Kansas City lent most frequently to those with incomes in the $100k-150k range, with 344 originations. The second most popular income band? $50k-75k, with 283 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 253 $71,215,000 $281,482 $5,150 3.95%
    30-36% 248 $70,250,000 $283,266 $4,863 4.05%
    50-60% 106 $39,630,000 $373,868 $6,674 3.84%
    <20% 96 $27,480,000 $286,250 $3,735 3.86%
    44% 53 $15,195,000 $286,698 $6,075 3.96%
    45% 50 $14,720,000 $294,400 $5,217 3.93%
    43% 48 $16,120,000 $335,833 $5,827 4.02%
    39% 47 $14,825,000 $315,426 $5,895 3.84%
    37% 46 $12,820,000 $278,696 $5,133 3.99%
    46% 43 $12,785,000 $297,326 $5,209 3.96%
    38% 43 $12,965,000 $301,512 $6,330 4.01%
    49% 41 $11,985,000 $292,317 $4,932 3.98%
    42% 40 $14,340,000 $358,500 $4,976 3.89%
    48% 40 $12,180,000 $304,500 $4,885 3.91%
    36% 38 $10,960,000 $288,421 $5,913 3.88%
    41% 37 $12,915,000 $349,054 $7,283 3.95%
    40% 32 $9,550,000 $298,438 $6,526 4.00%
    47% 31 $8,815,000 $284,355 $5,119 3.92%
    >60% 12 $5,640,000 $470,000 $4,764 3.90%

    First Federal Bank Of Kansas City lent most frequently to those with DTI ratios of 20-30%, with 253 originations. The next most common DTI ratio? 30-36%, with 248 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,198 $372,400,000 $310,851 $4,906 3.84%
    Not provided 271 $89,945,000 $331,900 $5,128 3.78%
    Black 73 $22,095,000 $302,671 $4,595 3.82%
    Asian 24 $9,420,000 $392,500 $4,820 3.74%
    American Indian 9 $2,675,000 $297,222 $2,521 3.99%
    Native Hawaiian or Islander 1 $505,000 $505,000 $25,338 2.75%
    Other Pacific Islander 1 $455,000 $455,000 $5,827 3.75%
    Other Asian 2 $350,000 $175,000 $4,955 4.06%

    Approval Rates

    Total approvals of all applications
    88.76%

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

    Pick Rate

    Approvals leading to origination
    52.63%

    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 1,579 $497,845,000 $315,291

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Site-Built 1,579 $497,845,000 $315,291

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 26 $4,210,000 $161,923 $3,104 3.93%
    40-60% 88 $24,650,000 $280,114 $3,219 3.87%
    60-80% 357 $107,495,000 $301,106 $4,244 3.90%
    80-100% 986 $307,400,000 $311,765 $4,878 3.78%
    Over 100% 120 $53,700,000 $447,500 $9,958 3.92%
    Under 20% 1 $55,000 $55,000 $2,304 4.75%

    Complaints

    Bank Name Product Issue 2019 CPFB Complaints % of Total Issues
    FIRST NATIONAL BANK OF OMAHA Conventional home mortgage Trouble during payment process 3 50.0%
    FIRST NATIONAL BANK OF OMAHA Conventional home mortgage Closing on a mortgage 2 33.3%
    FIRST NATIONAL BANK OF OMAHA Conventional home mortgage Struggling to pay mortgage 1 16.7%

    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 $55,277
    First Federal Bank of Kansas City 1255 Se Oldham Pkwy Lees Summit, MO 64081 Full Service B&M $74,965
    First Federal Bank of Kansas City 132 Oak Street Bonner Springs, KS 66012 Full Service B&M $15,923
    First Federal Bank of Kansas City 1919 N. 78 Street Kansas City, KS 66112 Full Service B&M $38,379
    First Federal Bank of Kansas City 3500 South Noland Road Independence, MO 64055 Full Service B&M $67,528
    First Federal Bank of Kansas City 4227 Blue Ridge Boulevard Kansas City, MO 64133 Full Service B&M $55,806
    First Federal Bank of Kansas City 6900 North Executive Drive Kansas City, MO 64120 Full Service B&M $32,761
    First Federal Bank of Kansas City 711 Minnesota Avenue Kansas City, KS 66101 Full Service B&M $20,712
    First Federal Bank of Kansas City 8000 State Line Rd Prairie Village, KS 66208 Full Service B&M $18,006
    First Federal Bank of Kansas City 8308 N.W. Prairie Road Kansas City, MO 64151 Full Service B&M $49,271
    First Federal Bank of Kansas City 8629 Metcalf Overland Park, KS 66212 Full Service B&M $36,720
    First Federal Bank of Kansas City 9330 East Gregory Boulevard Raytown, MO 64133 Full Service B&M $74,733

    For 2019, First Federal Bank Of Kansas City had 12 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $28,696
    Net interest income $16,992
    Total noninterest income $13,186
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $872
    Trading account gains and fees $0
    Additional Noninterest Income $12,314
    Pre-tax net operating income $-1,523
    Securities gains (or losses, -) $0
    Income before extraordinary items $-1,201
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $-1,201
    Minority interest net income $0
    Net income $-1,201
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $-1,201

    First Federal Bank Of Kansas City's gross interest income from loans was $28,696,000.
    First Federal Bank Of Kansas City's net interest income from loans was $16,992,000.
    First Federal Bank Of Kansas City's fee based income from loans was $872,000.
    First Federal Bank Of Kansas City's net income from loans was $-1,201,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $11,704
    Provision for credit losses $519
    Total noninterest expense $31,182
    Salaries and employee benefits $18,885
    Premises and equipment expense $2,955
    Additional noninterest expense $9,342
    Applicable income taxes $-322
    Net charge-offs $15
    Cash dividends $0

    First Federal Bank Of Kansas City's interest expense for loans was $11,704,000.
    First Federal Bank Of Kansas City's payroll and benefits expense were $18,885,000.
    First Federal Bank Of Kansas City's property, plant and equipment expenses $2,955,000.

    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 $545,496
    Deposits held in domestic offices $545,496
    Deposits by Individuals, partnerships, and corporations $517,758
    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. $27,738
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $139,089
    Demand deposits $39,142
    Nontransaction accounts $406,407
    Money market deposit accounts (MMDAs) $14,683
    Other savings deposits (excluding MMDAs) $80,785
    Total time deposits $310,940
    Total time and savings deposits $506,354
    Noninterest-bearing deposits $39,142
    Interest-bearing deposits $506,354
    Retail deposits $512,587
    IRAs and Keogh plan accounts $43,814
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $791,565
    Cash & Balances due from depository institutions $14,201
    Interest-bearing balances $8,980
    Total securities $108,291
    Federal funds sold & reverse repurchase $0
    Net loans and leases $607,280
    Loan and leases loss allowance $3,530
    Trading account assets $0
    Bank premises and fixed assets $12,013
    Other real estate owned $15
    Goodwill and other intangibles $9,997
    All other assets $39,768

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $791,565
    Total Liabilities $688,278
    Total deposits $545,496
    Interest-bearing deposits $506,354
    Deposits held in domestic offices $545,496
    % insured (estimated) $98
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $136,600
    Subordinated debt $0
    All other liabilities $6,182

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $607,280
    Loan and leases loss allowance $3,530
    Total loans and leases (domestic) $610,810
    All real estate loans $590,491
    Real estate loans in domestic offices $590,491
    Construction and development loans $32,380
    Residential 1-4 family construction $32,067
    Other construction, all land development and other land $313
    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 $558,111
    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 $20,268
    Credit card loans $0
    Related Plans $0
    Consumer Auto Loans $1,697
    Other loans to individuals $18,571
    All other loans & leases $51
    Loans to foreign governments and official institutions $0
    Other loans $51
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $0
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $0
    Non 1-4 family restructured loans & leases $0
    Total loans and leases (foreign) $0

    First Federal Bank of Kansas City had $607,280,000 of loans outstanding in 2019. $590,491,000 of loans were in real estate loans. $32,380,000 of loans were in development loans. $0 of loans were in multifamily mortgage loans. $558,111,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $0 of loans were in credit card loans. $1,697,000 of loans were in the auto loan category.

    Small Business Loans

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