First Federal Bank of Kansas City in Missouri vs the state
13.0%Denial rate-2.04 pts vs state
14.7%Decision denial rate-4.05 pts vs state
74.9%Origination rate+12.26 pts vs state
6.25%Median rate-0.38 pts vs state
-0.06Rate spread (pts)-0.41 pts vs state
$106kMedian applicant income
230Loans originated
40Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 365 | 249 | 13.2% | 6.38% | #96 |
| 2024 | 353 | 265 | 12.2% | 6.50% | #109 |
| 2025 | 307 | 230 | 13.0% | 6.25% | #131 |
What First Federal Bank of Kansas City lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most First Federal Bank of Kansas City applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jackson County | 168 | 121 | 23 | 13.7% |
| Clay County | 59 | 46 | 9 | 15.3% |
| Cass County | 28 | 21 | 2 | 7.1% |
| Platte County | 27 | 22 | 4 | 14.8% |
| Johnson County | 9 | 6 | 1 | 11.1% |
| Buchanan County | 3 | 3 | 0 | 0.0% |
| Chariton County | 2 | 1 | 1 | 50.0% |
| Lafayette County | 2 | 2 | 0 | 0.0% |
| St. Louis County | 2 | 2 | 0 | 0.0% |
| Greene County | 1 | 1 | 0 | 0.0% |
Other large lenders in Missouri
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 10,460 | 18.4% | 6.63% |
| Flat Branch Mortgage | A | 8,999 | 0.9% | 6.63% |
| Guild Mortgage | A | 7,388 | 2.5% | 6.63% |
| U.S. Bank | D | 7,190 | 32.8% | 7.63% |
| The Central Trust Bank | C | 7,022 | 9.7% | 6.63% |
| United Shore Financial Services | B | 6,710 | 8.0% | 6.55% |
| Communityamerica Credit Union | B | 5,843 | 16.8% | 6.49% |
| Mortgage Research Center | C | 5,734 | 15.6% | 6.25% |
| Broker Solutions | D | 5,007 | 7.8% | 6.88% |
| Commerce Bank | D | 4,905 | 27.2% | 6.72% |
Frequently asked questions
Missouri: 307 applications in 2025, of which 230 were originated and 40 denied.
13.0% of all applications, or 14.7% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans First Federal Bank of Kansas City originated in Missouri in 2025 was 6.25%, against a statewide median of 6.63%.
About this data. Figures are First Federal Bank of Kansas City's own HMDA filing for properties located in Missouri, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology