First Federal Bank of Kansas City
First Federal Bank of Kansas City received 470 applications in 2025 and made 346 mortgages, in 53 counties across 21 states. The median rate its borrowers got was 6.375% on a median loan of $185,000. Of 420 decisions, 66 were denials — 15.7%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300W5A6PQ1VJG3497 |
|---|---|
| Applications received | 470 |
| Mortgages made | 346 |
| Denied | 66 |
| Approved, not taken up | 8 |
| Withdrawn or incomplete | 50 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -0.035 points |
| FDIC-insured bank | Yes: First Federal Bank of Kansas City, 9 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 188 | 6.688% | $310,000 | 5.5% |
| Refinancing | 44 | 6.313% | $110,000 | 17.5% |
| Cash-out refinancing | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Other purposes | 105 | 5.490% | $85,000 | 28.8% |
Where First Federal Bank of Kansas City lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Jackson County, MO | 121 | 6.375% | 15.8% |
| Johnson County, KS | 51 | 6.250% | 13.1% |
| Clay County, MO | 46 | 6.000% | 16.4% |
| Wyandotte County, KS | 37 | 6.625% | 24.5% |
| Platte County, MO | 22 | 5.938% | 15.4% |
| Cass County, MO | 21 | 6.250% | 8.3% |
| Johnson County, MO | 6 | Under 10 loans | 14.3% |
| Leavenworth County, KS | 4 | Under 10 loans | 0.0% |
| Buchanan County, MO | 3 | Under 10 loans | 0.0% |
| Miami County, KS | 2 | Under 10 loans | 0.0% |
| Lafayette County, MO | 2 | Under 10 loans | 0.0% |
| St. Louis County, MO | 2 | Under 10 loans | 0.0% |
| Conecuh County, AL | 1 | Under 10 loans | 0.0% |
| Marion County, AR | 1 | Under 10 loans | 0.0% |
| Van Buren County, AR | 1 | Under 10 loans | 0.0% |
| Leon County, FL | 1 | Under 10 loans | 0.0% |
| Sumter County, FL | 1 | Under 10 loans | 0.0% |
| Franklin County, KS | 1 | Under 10 loans | 0.0% |
| Russell County, KY | 1 | Under 10 loans | 0.0% |
| Queen Anne's County, MD | 1 | Under 10 loans | 0.0% |
| Berrien County, MI | 1 | Under 10 loans | 0.0% |
| Gladwin County, MI | 1 | Under 10 loans | 0.0% |
| Andrew County, MO | 1 | Under 10 loans | 0.0% |
| Camden County, MO | 1 | Under 10 loans | 0.0% |
| Chariton County, MO | 1 | Under 10 loans | 50.0% |
| Greene County, MO | 1 | Under 10 loans | 0.0% |
| Jefferson County, MO | 1 | Under 10 loans | 0.0% |
| Morgan County, MO | 1 | Under 10 loans | 0.0% |
| Ray County, MO | 1 | Under 10 loans | 0.0% |
| Clark County, NV | 1 | Under 10 loans | 0.0% |
| Union County, NC | 1 | Under 10 loans | 0.0% |
| Cuyahoga County, OH | 1 | Under 10 loans | 0.0% |
| Muskogee County, OK | 1 | Under 10 loans | 0.0% |
| Baker County, OR | 1 | Under 10 loans | 0.0% |
| Somerset County, PA | 1 | Under 10 loans | 0.0% |
| Anderson County, SC | 1 | Under 10 loans | 0.0% |
| Greenville County, SC | 1 | Under 10 loans | 0.0% |
| Laurens County, SC | 1 | Under 10 loans | 0.0% |
| Loudon County, TN | 1 | Under 10 loans | 0.0% |
| Roane County, TN | 1 | Under 10 loans | 0.0% |
| Wise County, TX | 1 | Under 10 loans | 0.0% |
| Elbert County, CO | 0 | Under 10 loans | 100.0% |
| Summit County, CO | 0 | Under 10 loans | 100.0% |
| Flagler County, FL | 0 | Under 10 loans | 100.0% |
| Pasco County, FL | 0 | Under 10 loans | Not published |
| Gilmer County, GA | 0 | Under 10 loans | Not published |
| Gwinnett County, GA | 0 | Under 10 loans | 0.0% |
| Pickens County, GA | 0 | Under 10 loans | 100.0% |
| Hancock County, IN | 0 | Under 10 loans | Not published |
| Clinton County, MO | 0 | Under 10 loans | Not published |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.