# First Federal Bank of Kansas City

> **Canonical URL:** https://saferate.com/lenders/first-federal-bank-of-kansas-city


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


First Federal Bank of Kansas City is a bank, headquartered in Lee's Summit, MO, serving borrowers across 13 states, with 211 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 60% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 35% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300W5A6PQ1VJG3497
- **Headquarters:** Lee's Summit, MO
- **Geographic Reach:** Multi-Region
- **States Served:** 13
- **State List:** AZ, FL, IL, KS, LA, MA, MI, MO, NC, OH, SC, TX, VA
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 40/100
- Rating: ●●●○○ (3/5)

### Pull Through: Strong 😀
- Score: 65/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.505%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,609
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 211
- **Dollar Volume:** $82 million
- **Applications Received:** 254
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $388,318
- **Average Borrower Income:** $151,773
- **Average Property Value:** $529,976

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 46/100 | 184 | +0.513% | $1,635 | Sound ☺️ |
| Jumbo | 65/100 | 13 | +0.070% | $920 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 173 loans, Score: 48/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 49/100 | 200 | $79M | +0.538% | Sound ☺️ |
| Refinance | 21/100 | 11 | $3M | +0.118% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MO | 150 | 0.20% | 71/100 |
| KS | 49 | 0.16% | 65/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Kansas City, MO | MO-KS | 189 | 78/100 |

## Where This Lender Ranks

First Federal Bank of Kansas City appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#11** in Kansas City, MO for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/kansas-city-mo/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#15** in Kansas City, MO Banks
  - [View Full Rankings](https://saferate.com/kansas-city-mo/best-mortgage-lenders/banks)
- 🏆 **#15** in Missouri for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/missouri/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#16** in Kansas City, MO for Jumbo Loans
  - [View Full Rankings](https://saferate.com/kansas-city-mo/best-mortgage-lenders/jumbo-loans)
- 🏆 **#18** in Kansas City, MO for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/kansas-city-mo/best-mortgage-lenders/banks/fha-loans)

## Frequently Asked Questions

### What loan types does First Federal Bank of Kansas City offer?

First Federal Bank of Kansas City offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does First Federal Bank of Kansas City offer mortgages?

First Federal Bank of Kansas City offers mortgages in 13 states: AZ, FL, IL, KS, LA, MA, MI, MO, NC, OH, SC, TX, VA.

### How competitive are First Federal Bank of Kansas City's mortgage rates?

First Federal Bank of Kansas City has a pricing score of 40/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.505% above market average.

### What type of lender is First Federal Bank of Kansas City?

First Federal Bank of Kansas City is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Lee's Summit, MO.

### What is First Federal Bank of Kansas City's loan approval success rate?

First Federal Bank of Kansas City has a pull-through score of 65/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/first-federal-bank-of-kansas-city

### How to Cite

> "First Federal Bank of Kansas City Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/first-federal-bank-of-kansas-city

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