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 Refi and Home Purchase loans. First Federal Bank Of Kansas City has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets by origination volume include: Kansas City, Boston, Las Vegas, Washington, and Tampa among others. We have data for 224 markets. (Some data included below & more in-depth data is available with an active subscription.)First Federal Bank Of Kansas City has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. First Federal Bank Of Kansas City is typically 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
1,795Origination Dollar Volume (All Markets)
$582,895,000Employee count
161Awards
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First Federal Bank of Kansas City - 2021
First Federal Bank of Kansas City is a 2021 , due to their low .
For 2021, 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) | 847 | $255,425,000 | $301,564 | $3,448 | 2.90% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 55 | $20,935,000 | $380,636 | $4,680 | 2.52% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 42 | $14,930,000 | $355,476 | $4,069 | 2.83% |
| Outside of Metro Areas | 40 | $11,950,000 | $298,750 | $3,849 | 2.68% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 30 | $11,940,000 | $398,000 | $4,908 | 2.58% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 29 | $9,835,000 | $339,138 | $4,697 | 2.76% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 27 | $9,625,000 | $356,481 | $2,764 | 2.67% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 22 | $7,700,000 | $350,000 | $4,808 | 2.54% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 16 | $7,110,000 | $444,375 | $3,346 | 2.62% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 24 | $6,950,000 | $289,583 | $4,130 | 2.76% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 15 | $6,775,000 | $451,667 | $5,169 | 2.51% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 23 | $6,655,000 | $289,348 | $4,607 | 2.86% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 12 | $6,410,000 | $534,167 | $3,525 | 2.55% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 8 | $6,270,000 | $783,750 | $5,626 | 2.84% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 15 | $6,235,000 | $415,667 | $5,984 | 2.76% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 17 | $5,915,000 | $347,941 | $6,465 | 2.75% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 20 | $5,860,000 | $293,000 | $3,641 | 2.63% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 14 | $5,220,000 | $372,857 | $3,817 | 2.77% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 12 | $5,180,000 | $431,667 | $4,021 | 2.71% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 12 | $4,840,000 | $403,333 | $3,995 | 2.52% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 13 | $4,795,000 | $368,846 | $2,985 | 2.41% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 13 | $4,695,000 | $361,154 | $6,853 | 2.43% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 6 | $4,230,000 | $705,000 | $4,566 | 2.48% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 12 | $4,070,000 | $339,167 | $3,608 | 2.51% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 8 | $3,680,000 | $460,000 | $7,242 | 2.97% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 6 | $3,560,000 | $593,333 | $5,201 | 2.50% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 8 | $3,370,000 | $421,250 | $7,027 | 2.70% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 11 | $3,095,000 | $281,364 | $3,064 | 2.90% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 7 | $2,765,000 | $395,000 | $2,406 | 2.34% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 13 | $2,745,000 | $211,154 | $2,658 | 2.58% |
| RICHMOND, VA (FHA|USDA|VA) | 6 | $2,680,000 | $446,667 | $3,486 | 2.60% |
| BOISE CITY, ID (FHA|USDA|VA) | 6 | $2,610,000 | $435,000 | $3,740 | 2.40% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 8 | $2,380,000 | $297,500 | $2,502 | 2.67% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 5 | $2,355,000 | $471,000 | $3,817 | 2.35% |
| LOUISVILLE, KY (FHA|USDA|VA) | 6 | $2,310,000 | $385,000 | $3,493 | 2.40% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 6 | $2,160,000 | $360,000 | $3,742 | 2.77% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 8 | $2,100,000 | $262,500 | $4,679 | 2.78% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 7 | $2,075,000 | $296,429 | $5,338 | 2.36% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 6 | $2,060,000 | $343,333 | $6,231 | 2.63% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 5 | $1,865,000 | $373,000 | $5,734 | 2.63% |
| SALINAS, CA (FHA|USDA|VA) | 4 | $1,790,000 | $447,500 | $2,855 | 2.88% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 5 | $1,765,000 | $353,000 | $3,583 | 2.73% |
| Warrensburg, MO (FHA|USDA|VA) | 8 | $1,760,000 | $220,000 | $3,234 | 2.72% |
| TUCSON, AZ (FHA|USDA|VA) | 4 | $1,740,000 | $435,000 | $3,649 | 2.59% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 4 | $1,740,000 | $435,000 | $7,315 | 2.66% |
| BEND, OR (FHA|USDA|VA) | 4 | $1,700,000 | $425,000 | $3,709 | 2.78% |
| WICHITA, KS (FHA|USDA|VA) | 8 | $1,640,000 | $205,000 | $2,436 | 2.92% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 5 | $1,635,000 | $327,000 | $3,551 | 2.63% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 4 | $1,630,000 | $407,500 | $3,319 | 2.72% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 5 | $1,615,000 | $323,000 | $2,718 | 2.48% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 4 | $1,570,000 | $392,500 | $2,706 | 2.25% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 4 | $1,560,000 | $390,000 | $3,126 | 2.91% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 6 | $1,520,000 | $253,333 | $1,612 | 2.63% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 3 | $1,455,000 | $485,000 | $17,117 | 2.46% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 4 | $1,430,000 | $357,500 | $4,538 | 2.72% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 4 | $1,410,000 | $352,500 | $2,992 | 2.78% |
| LAWRENCE, KS (FHA|USDA|VA) | 6 | $1,400,000 | $233,333 | $3,245 | 3.04% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 5 | $1,375,000 | $275,000 | $2,707 | 2.58% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 3 | $1,305,000 | $435,000 | $10,165 | 2.83% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 2 | $1,210,000 | $605,000 | $3,301 | 3.00% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 4 | $1,170,000 | $292,500 | $3,931 | 2.56% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 1 | $1,085,000 | $1,085,000 | $5,788 | 3.88% |
| PITTSBURGH, PA (FHA|USDA|VA) | 3 | $1,085,000 | $361,667 | $4,202 | 2.58% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 4 | $1,050,000 | $262,500 | $4,059 | 2.53% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 3 | $1,035,000 | $345,000 | $5,062 | 2.17% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 4 | $1,020,000 | $255,000 | $3,848 | 2.75% |
| CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) | 2 | $990,000 | $495,000 | $8,567 | 2.31% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 2 | $970,000 | $485,000 | $3,844 | 2.31% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 2 | $970,000 | $485,000 | $5,370 | 2.38% |
| MEDFORD, OR (FHA|USDA|VA) | 4 | $970,000 | $242,500 | $3,853 | 3.13% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 3 | $945,000 | $315,000 | $2,890 | 2.67% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 2 | $930,000 | $465,000 | $635 | 2.25% |
| NORWICH-NEW LONDON, CT (FHA|USDA|VA) | 4 | $920,000 | $230,000 | $3,240 | 2.84% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 2 | $910,000 | $455,000 | $13,980 | 2.94% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 1 | $885,000 | $885,000 | $6,489 | 2.25% |
| COLUMBUS, OH (FHA|USDA|VA) | 3 | $885,000 | $295,000 | $2,414 | 2.42% |
| ANCHORAGE, AK (FHA|USDA|VA) | 2 | $880,000 | $440,000 | $3,130 | 2.25% |
| RENO, NV (FHA|USDA|VA) | 3 | $875,000 | $291,667 | $3,038 | 2.71% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 2 | $860,000 | $430,000 | $3,888 | 2.63% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 3 | $845,000 | $281,667 | $3,839 | 2.63% |
| TULSA, OK (FHA|USDA|VA) | 3 | $835,000 | $278,333 | $6,165 | 2.75% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 3 | $835,000 | $278,333 | $1,971 | 2.29% |
| TERRE HAUTE, IN (FHA|USDA|VA) | 3 | $835,000 | $278,333 | $2,319 | 2.71% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 2 | $820,000 | $410,000 | $3,781 | 3.06% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 3 | $815,000 | $271,667 | $4,556 | 2.50% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 4 | $800,000 | $200,000 | $3,187 | 2.69% |
| SAVANNAH, GA (FHA|USDA|VA) | 3 | $795,000 | $265,000 | $5,196 | 2.33% |
| FRESNO, CA (FHA|USDA|VA) | 2 | $790,000 | $395,000 | $5,408 | 2.50% |
| BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) | 2 | $770,000 | $385,000 | $3,212 | 2.69% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 2 | $770,000 | $385,000 | $2,390 | 2.50% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 1 | $755,000 | $755,000 | $3,482 | 2.88% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 3 | $755,000 | $251,667 | $2,401 | 2.25% |
| KNOXVILLE, TN (FHA|USDA|VA) | 3 | $755,000 | $251,667 | $1,589 | 2.50% |
| MERCED, CA (FHA|USDA|VA) | 2 | $740,000 | $370,000 | $2,643 | 2.69% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 2 | $740,000 | $370,000 | $2,624 | 2.88% |
| GRANTS PASS, OR (FHA|USDA|VA) | 2 | $730,000 | $365,000 | $3,131 | 2.75% |
| REDDING, CA (FHA|USDA|VA) | 1 | $725,000 | $725,000 | $600 | 2.75% |
| BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) | 4 | $720,000 | $180,000 | $2,956 | 3.16% |
| Edwards, CO (FHA|USDA|VA) | 1 | $715,000 | $715,000 | $2,137 | 2.25% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 2 | $710,000 | $355,000 | $3,157 | 3.19% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 2 | $680,000 | $340,000 | $7,600 | 3.38% |
| ST. JOSEPH, MO-KS (FHA|USDA|VA) | 3 | $665,000 | $221,667 | $2,763 | 3.17% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 3 | $655,000 | $218,333 | $5,890 | 2.67% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 3 | $645,000 | $215,000 | $2,327 | 2.88% |
| MUSKEGON, MI (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $3,220 | 2.50% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $8,770 | 2.38% |
| MISSOULA, MT (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $11,136 | 3.31% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 2 | $620,000 | $310,000 | $8,332 | 2.63% |
| WACO, TX (FHA|USDA|VA) | 2 | $620,000 | $310,000 | $6,520 | 2.88% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $5,368 | 2.44% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 3 | $595,000 | $198,333 | $2,449 | 2.79% |
| ERIE, PA (FHA|USDA|VA) | 2 | $590,000 | $295,000 | $5,614 | 2.63% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 2 | $590,000 | $295,000 | $2,835 | 2.94% |
| CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) | 1 | $585,000 | $585,000 | $6,715 | 2.25% |
| Lebanon, NH-VT (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $6,462 | 2.69% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 3 | $575,000 | $191,667 | $3,481 | 2.33% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $6,163 | 2.88% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 3 | $565,000 | $188,333 | $1,776 | 2.83% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $2,598 | 2.38% |
| Steamboat Springs, CO (FHA|USDA|VA) | 1 | $535,000 | $535,000 | $5,049 | 2.88% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 3 | $535,000 | $178,333 | $2,581 | 2.42% |
| JOPLIN, MO (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $3,200 | 2.56% |
| Sandpoint, ID (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $7,135 | 3.00% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $5,313 | 3.13% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $1,741 | 2.31% |
| TOPEKA, KS (FHA|USDA|VA) | 4 | $490,000 | $122,500 | $2,391 | 3.28% |
| BATON ROUGE, LA (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $4,309 | 2.25% |
| SANTA FE, NM (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $4,749 | 2.88% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $11,427 | 2.75% |
| JEFFERSON CITY, MO (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $1,859 | 2.25% |
| SAN ANGELO, TX (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $11,814 | 2.75% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $0 | 2.25% |
| Breckenridge, CO (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $0 | 3.63% |
| Torrington, CT (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $2,515 | 2.81% |
| Bennington, VT (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $7,021 | 2.63% |
| PANAMA CITY, FL (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $4,519 | 3.25% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $3,590 | 2.88% |
| FARGO, ND-MN (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $2,793 | 3.00% |
| MORRISTOWN, TN (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $8,774 | 2.25% |
| COLUMBIA, SC (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $3,746 | 2.75% |
| COLUMBIA, MO (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $2,142 | 2.88% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $7,763 | 2.75% |
| Watertown-Fort Atkinson, WI (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $1,102 | 2.25% |
| FORT WAYNE, IN (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $1,952 | 2.25% |
| LAFAYETTE, LA (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $14,449 | 2.25% |
| Laconia, NH (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $2,562 | 2.25% |
| MADERA, CA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $3,807 | 3.13% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 3 | $355,000 | $118,333 | $1,802 | 3.21% |
| Mountain Home, ID (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $8,273 | 2.25% |
| COLUMBUS, IN (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $1,808 | 2.25% |
| ST. GEORGE, UT (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $2,583 | 3.13% |
| Roswell, NM (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $600 | 2.75% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $1,387 | 2.25% |
| Roseburg, OR (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $6,117 | 3.25% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $2,946 | 2.75% |
| Whitewater, WI (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $4,115 | 3.00% |
| ROCHESTER, MN (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $2,557 | 2.88% |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $3,459 | 3.38% |
| Greeneville, TN (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $12,905 | 2.63% |
| MONROE, MI (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $0 | 2.63% |
| Meadville, PA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $3,434 | 2.75% |
| NEW BERN, NC (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $2,673 | 2.75% |
| GREENVILLE, NC (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $3,254 | 2.50% |
| LAS CRUCES, NM (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $3,614 | 2.25% |
| SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $3,887 | 2.63% |
| ROCKFORD, IL (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $0 | 2.88% |
| Richmond-Berea, KY (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $2,091 | 2.25% |
| Bogalusa, LA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $1,912 | 2.25% |
| SUMTER, SC (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $9,318 | 2.75% |
| MONTGOMERY, AL (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $1,149 | 2.25% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $3,486 | 2.75% |
| GAINESVILLE, FL (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $2,890 | 2.75% |
| Brenham, TX (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $2,943 | 2.25% |
| JACKSON, MS (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $1,267 | 2.25% |
| DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $2,126 | 2.25% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $252 | 2.25% |
| Kill Devil Hills, NC (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $2,427 | 2.75% |
| Rolla, MO (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $890 | 2.25% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $2,785 | 2.88% |
| LOGAN, UT-ID (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $2,391 | 2.25% |
| Lumberton, NC (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $1,925 | 2.25% |
| FARMINGTON, NM (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $2,281 | 2.63% |
| DECATUR, IL (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,190 | 2.63% |
| HAMMOND, LA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,709 | 2.25% |
| SPARTANBURG, SC (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,206 | 2.25% |
| Tahlequah, OK (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $11,009 | 2.25% |
| JACKSON, MI (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $2,805 | 2.88% |
| Athens, TN (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $10,124 | 3.00% |
| BOULDER, CO (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $1,998 | 2.88% |
| STATE COLLEGE, PA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,160 | 2.25% |
| LEBANON, PA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,794 | 2.25% |
| ROCHESTER, NY (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $2,831 | 2.25% |
| ASHEVILLE, NC (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $6,763 | 2.25% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,531 | 3.00% |
| Alexander City, AL (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,882 | 2.50% |
| Pittsburg, KS (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,327 | 2.88% |
| Dodge City, KS (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,186 | 3.13% |
| LaGrange, GA-AL (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,844 | 2.25% |
| Concord, NH (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,938 | 3.00% |
| LANCASTER, PA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $10,731 | 2.25% |
| OSHKOSH-NEENAH, WI (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,832 | 2.88% |
| ELMIRA, NY (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,735 | 2.88% |
| PEORIA, IL (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,755 | 2.75% |
| SHEBOYGAN, WI (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,495 | 2.38% |
| YUBA CITY, CA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,239 | 2.25% |
| Richmond, IN (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $1,728 | 2.88% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $1,823 | 2.25% |
| Keene, NH (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,032 | 2.13% |
| FLORENCE, SC (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,408 | 3.00% |
| BOWLING GREEN, KY (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $1,044 | 2.25% |
| Grand Rapids, MN (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $1,746 | 2.25% |
| NILES, MI (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,343 | 2.25% |
| Mexico, MO (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,495 | 2.88% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,334 | 2.25% |
| North Platte, NE (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,482 | 2.38% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 4.13% |
| LUBBOCK, TX (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,954 | 3.13% |
| FORT SMITH, AR-OK (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,960 | 3.00% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,302 | 2.63% |
| Emporia, KS (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,377 | 2.25% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,738 | 3.50% |
| Coffeyville, KS (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,508 | 3.00% |
| SALEM, OR (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $1,964 | 2.88% |
| Statesboro, GA (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 2.75% |
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Product Mix
For 2021, First Federal Bank Of Kansas City's most frequently originated type of loan was Conventional, with 1,298 originations. Their 2nd most popular type was VA, with 460 originations.
Loan Reason
For 2021, First Federal Bank Of Kansas City's most frequently cited loan purpose was Refi, with 826 originations. The 2nd most popular reason was Home Purchase, with 598 originations.
Loan Duration/Length
For 2021, First Federal Bank Of Kansas City's most frequently cited loan duration was 30 Year, with 1,289 originations. The 2nd most popular length was 15 Year, with 272 originations.
Origination Fees/Closing Costs
First Federal Bank Of Kansas City's average total fees were $3,870, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,212 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 2.5-3% | 776 | $255,890,000 | $329,755 |
| <2.5% | 582 | $198,020,000 | $340,241 |
| 3-4% | 428 | $127,610,000 | $298,154 |
| 4-5% | 9 | $1,375,000 | $152,778 |
During 2021, First Federal Bank Of Kansas City's average interest rate for loans was 2.82%, while their most frequently originated rate bucket for loans was 2.5-3%, with 776 originations.
Loan Sizing
2021 saw First Federal Bank Of Kansas City place emphasis on $200k-400k loans with 861 originations, totaling $250,665,000 in origination value.
Applicant Income
First Federal Bank Of Kansas City lent most frequently to those with incomes in the $100k-150k range, with 392 originations. The second most popular income band? $150k-250k, with 344 originations.
Applicant Debt to Income Ratio
First Federal Bank Of Kansas City lent most frequently to those with DTI ratios of 20-30%, with 441 originations. The next most common DTI ratio? 30-36%, with 283 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications94.41%
First Federal Bank Of Kansas City has an average approval rate.
Pick Rate
Approvals leading to origination84.40%
First Federal Bank Of Kansas City has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 1,795 | $582,895,000 | $324,733 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2021 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| FIRST NATIONAL BANK OF OMAHA | FHA mortgage | Improper use of your report | 1 | 25.0% |
| FIRST NATIONAL BANK OF OMAHA | Other type of mortgage | Struggling to pay mortgage | 1 | 25.0% |
| FIRST NATIONAL BANK OF OMAHA | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 25.0% |
| FIRST NATIONAL BANK OF OMAHA | Conventional home mortgage | Trouble during payment process | 1 | 25.0% |
Bank Details
Branches
| Bank Name | Branch | Branch Type | Deposits (000's) |
|---|---|---|---|
| First Federal Bank of Kansas City | 1200 Armour Road North Kansas City, MO 64116 | Full Service B&M | $63,170 |
| First Federal Bank of Kansas City | 1255 Se Oldham Pkwy Lees Summit, MO 64081 | Full Service B&M | $91,007 |
| First Federal Bank of Kansas City | 1919 N. 78 Street Kansas City, KS 66112 | Full Service B&M | $47,832 |
| First Federal Bank of Kansas City | 3500 South Noland Road Independence, MO 64055 | Full Service B&M | $75,679 |
| First Federal Bank of Kansas City | 4227 Blue Ridge Boulevard Kansas City, MO 64133 | Full Service B&M | $60,988 |
| First Federal Bank of Kansas City | 6900 North Executive Drive Kansas City, MO 64120 | Full Service B&M | $40,760 |
| First Federal Bank of Kansas City | 711 Minnesota Avenue Kansas City, KS 66101 | Full Service B&M | $22,276 |
| First Federal Bank of Kansas City | 8000 State Line Rd Prairie Village, KS 66208 | Full Service B&M | $24,743 |
| First Federal Bank of Kansas City | 8308 N.W. Prairie Road Kansas City, MO 64151 | Full Service B&M | $59,867 |
| First Federal Bank of Kansas City | 8629 Metcalf Overland Park, KS 66212 | Full Service B&M | $40,104 |
| First Federal Bank of Kansas City | 9330 East Gregory Boulevard Raytown, MO 64133 | Full Service B&M | $81,149 |
For 2021, First Federal Bank Of Kansas City had 11 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $25,695 |
| Net interest income | $20,754 |
| Total noninterest income | $15,749 |
| Gross Fiduciary activities income | $0 |
| Service charges on deposit accounts | $846 |
| Trading account gains and fees | $0 |
| Additional Noninterest Income | $14,903 |
| Pre-tax net operating income | $2,446 |
| Securities gains (or losses, -) | $-89 |
| Income before extraordinary items | $2,221 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $2,221 |
| Minority interest net income | $0 |
| Net income | $2,221 |
| Sale, conversion, retirement of capital stock, net | $0 |
| Net operating income | $2,304 |
First Federal Bank Of Kansas City's gross interest income from loans was $25,695,000.
First Federal Bank Of Kansas City's net interest income from loans was $20,754,000.
First Federal Bank Of Kansas City's fee based income from loans was $846,000.
First Federal Bank Of Kansas City's net income from loans was $2,221,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $4,941 |
| Provision for credit losses | $3,862 |
| Total noninterest expense | $30,195 |
| Salaries and employee benefits | $19,330 |
| Premises and equipment expense | $2,666 |
| Additional noninterest expense | $8,199 |
| Applicable income taxes | $136 |
| Net charge-offs | $620 |
| Cash dividends | $0 |
First Federal Bank Of Kansas City's interest expense for loans was $4,941,000.
First Federal Bank Of Kansas City's payroll and benefits expense were $19,330,000.
First Federal Bank Of Kansas City's property, plant and equipment expenses $2,666,000.
Loan Performance
| Type of Loan | % of Loans Noncurrent (30+ days, end of period snapshot) |
|---|---|
| All loans | 0.0% |
| Real Estate loans | 0.0% |
| Construction & Land Development loans | 0.0% |
| Nonfarm, nonresidential loans | 0.0% |
| Multifamily residential loans | 0.0% |
| 1-4 family residential loans | 0.0% |
| HELOC loans | 0.0% |
| All other family | 0.0% |
| Commercial & industrial loans | 0.0% |
| Personal loans | 0.0% |
| Credit card loans | 0.0% |
| Other individual loans | 0.0% |
| Auto loans | 0.0% |
| Other consumer loans | 0.0% |
| Unsecured commercial real estate loans | 0.0% |
Deposits
| Type | Value (in 000's) |
|---|---|
| Total deposits | $581,412 |
| Deposits held in domestic offices | $581,412 |
| Deposits by Individuals, partnerships, and corporations | $574,712 |
| Deposits by U.S. Government | $0 |
| Deposits by States and political subdivisions in the U.S. | $0 |
| Deposits by Commercial banks and other depository institutions in U.S. | $6,700 |
| Deposits by Banks in foreign countries | $0 |
| Deposits by Foreign governments and official institutions | $0 |
| Transaction accounts | $148,992 |
| Demand deposits | $71,181 |
| Nontransaction accounts | $432,420 |
| Money market deposit accounts (MMDAs) | $132,669 |
| Other savings deposits (excluding MMDAs) | $91,615 |
| Total time deposits | $208,138 |
| Total time and savings deposits | $510,231 |
| Noninterest-bearing deposits | $71,181 |
| Interest-bearing deposits | $510,231 |
| Retail deposits | $561,327 |
| IRAs and Keogh plan accounts | $39,026 |
| Brokered deposits | $0 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $823,491 |
| Cash & Balances due from depository institutions | $31,969 |
| Interest-bearing balances | $27,778 |
| Total securities | $104,228 |
| Federal funds sold & reverse repurchase | $0 |
| Net loans and leases | $607,917 |
| Loan and leases loss allowance | $8,553 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $17,278 |
| Other real estate owned | $478 |
| Goodwill and other intangibles | $8,675 |
| All other assets | $52,946 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $823,491 |
| Total Liabilities | $706,625 |
| Total deposits | $581,412 |
| Interest-bearing deposits | $510,231 |
| Deposits held in domestic offices | $581,412 |
| % insured (estimated) | $93 |
| Federal funds purchased and repurchase agreements | $0 |
| Trading liabilities | $0 |
| Other borrowed funds | $110,000 |
| Subordinated debt | $0 |
| All other liabilities | $15,213 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $607,917 |
| Loan and leases loss allowance | $8,553 |
| Total loans and leases (domestic) | $616,470 |
| All real estate loans | $510,726 |
| Real estate loans in domestic offices | $510,726 |
| Construction and development loans | $59,688 |
| Residential 1-4 family construction | $59,407 |
| Other construction, all land development and other land | $281 |
| Loans secured by nonfarm nonresidential properties | $0 |
| Nonfarm nonresidential secured by owner-occupied properties | $0 |
| Commercial real estate & other non-farm, non-residential | $0 |
| Multifamily residential real estate | $0 |
| 1-4 family residential loans | $451,038 |
| Farmland loans | $0 |
| Loans held in foreign offices | $0 |
| Farm loans | $0 |
| Commercial and industrial loans | $5,531 |
| To non-U.S. addressees | $0 |
| Loans to individuals | $100,179 |
| Credit card loans | $0 |
| Related Plans | $0 |
| Consumer Auto Loans | $3,984 |
| Other loans to individuals | $96,195 |
| All other loans & leases | $34 |
| Loans to foreign governments and official institutions | $0 |
| Other loans | $34 |
| Loans to depository institutions and acceptances of other banks | $0 |
| Loans not secured by real estate | $0 |
| Loans secured by real estate to non-U.S. addressees | $0 |
| Restructured Loans & leases | $0 |
| Non 1-4 family restructured loans & leases | $0 |
| Total loans and leases (foreign) | $0 |
First Federal Bank of Kansas City had $607,917,000 of loans outstanding in 2021. $510,726,000 of loans were in real estate loans. $59,688,000 of loans were in development loans. $0 of loans were in multifamily mortgage loans. $451,038,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $0 of loans were in credit card loans. $3,984,000 of loans were in the auto loan category.
Small Business Loans
| Categorization | # of Loans in Category | $ amount of loans (in 000's) | Average $/loan |
|---|