First Federal Bank of Kansas City mortgage approval rate & lending review
First Federal Bank of Kansas City decided 1,119 mortgage applications and funded 968 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions First Federal Bank of Kansas City reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
First Federal Bank of Kansas City at a glance
Approval is 8.4 points above the 79.1% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 96% | 594 / 619 | 99% | $205K | 591 |
| Home improvement loans | 74% | 211 / 286 | 98% | $75K | 206 |
| Refinance | 80% | 130 / 163 | 98% | $105K | 127 |
First Federal Bank of Kansas City lending by state
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where First Federal Bank of Kansas City lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Jackson County, MO | Mortgage lenders | 97% | 213 | 205 |
| Clay County, MO | Mortgage lenders | 96% | 111 | 107 |
| Wyandotte County, KS | Mortgage lenders | 97% | 88 | 85 |
| Jackson County, MO | Home improvement loans | 69% | 119 | 81 |
| Johnson County, KS | Mortgage lenders | 93% | 76 | 70 |
| Johnson County, KS | Home improvement loans | 90% | 52 | 44 |
| Jackson County, MO | Refinance | 75% | 57 | 41 |
| Cass County, MO | Mortgage lenders | 97% | 37 | 36 |
| Platte County, MO | Mortgage lenders | 100% | 36 | 36 |
| Johnson County, KS | Refinance | 89% | 38 | 34 |
| Clay County, MO | Home improvement loans | 83% | 41 | 34 |
| Clay County, MO | Refinance | 91% | 23 | 21 |
The county markets where First Federal Bank of Kansas City made the most loans. Each link opens that market with every lender ranked.
Questions about First Federal Bank of Kansas City
What is First Federal Bank of Kansas City's mortgage approval rate?
First Federal Bank of Kansas City approved 87.5% of the 1,119 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 8.4 points above the 79.1% national rate for the same mix of loan types.
How often do borrowers take the loan First Federal Bank of Kansas City offers?
Borrowers accepted 99% of the loans First Federal Bank of Kansas City approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does First Federal Bank of Kansas City make?
The typical home purchase mortgage loan First Federal Bank of Kansas City made was $205K; across all loan types its typical loan ran from $75K to $205K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does First Federal Bank of Kansas City lend?
First Federal Bank of Kansas City decided applications in 29 of the states Fat Boy Data covers, most of them in Missouri, Kansas and Florida.
Can I apply to First Federal Bank of Kansas City directly?
Yes. First Federal Bank of Kansas City is a bank or credit union with 9 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show First Federal Bank of Kansas City's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how First Federal Bank of Kansas City treats applications, then get a rate quote from the lender.