First Federal Bank in Kansas vs the state
11.8%Denial rate-3.20 pts vs state
14.8%Decision denial rate-3.47 pts vs state
67.5%Origination rate+3.64 pts vs state
6.25%Median rate-0.38 pts vs state
0.01Rate spread (pts)-0.29 pts vs state
$93kMedian applicant income
114Loans originated
20Denied
Trend in Kansas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 40 | 32 | 7.5% | 7.13% | #218 |
| 2024 | 165 | 99 | 12.7% | 6.50% | #106 |
| 2025 | 169 | 114 | 11.8% | 6.25% | #115 |
What First Federal Bank lends in Kansas
By loan purpose
By loan type
Why it denied Kansas applicants
Where in Kansas
Counties with the most First Federal Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Johnson County | 82 | 50 | 11 | 13.4% |
| Wyandotte County | 44 | 32 | 7 | 15.9% |
| Sedgwick County | 14 | 10 | 1 | 7.1% |
| Leavenworth County | 4 | 3 | 1 | 25.0% |
| Geary County | 3 | 2 | 0 | 0.0% |
| Jefferson County | 2 | 2 | 0 | 0.0% |
| Shawnee County | 2 | 2 | 0 | 0.0% |
| Barton County | 2 | 1 | 0 | 0.0% |
| Riley County | 2 | 1 | 0 | 0.0% |
| Reno County | 2 | 0 | 0 | 0.0% |
Other large lenders in Kansas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 5,303 | 18.0% | 6.63% |
| Communityamerica Credit Union | B | 3,575 | 12.4% | 6.38% |
| United Shore Financial Services | B | 2,545 | 11.4% | 6.38% |
| Mortgage Research Center | C | 2,389 | 15.1% | 6.25% |
| Fairway Independent Mortgage | B | 2,360 | 2.0% | 6.63% |
| Pennymac Loan Services | C | 2,103 | 10.8% | 6.49% |
| Credit Union of America | C | 1,940 | 22.9% | 7.75% |
| Capitol Federal Savings Bank | B | 1,873 | 12.6% | 6.75% |
| Guild Mortgage | A | 1,549 | 3.6% | 6.63% |
| U.S. Bank | D | 1,534 | 31.4% | 7.28% |
Frequently asked questions
Kansas: 169 applications in 2025, of which 114 were originated and 20 denied.
11.8% of all applications, or 14.8% of the applications it actually decided on. The Kansas statewide average across all lenders was 15.0%.
The median rate on loans First Federal Bank originated in Kansas in 2025 was 6.25%, against a statewide median of 6.63%.
About this data. Figures are First Federal Bank's own HMDA filing for properties located in Kansas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology