A different lender
Five years before, it made 2,606 loans, 44.2% of them VA loans (guaranteed by the Department of Veterans Affairs). VA loans are now 0.6%. Purchases make up 54.3% of its lending and home improvement 20.2%.
Applications / Mortgage Analytics / Lenders / Missouri / First Federal Bank of Kansas City
First Federal Bank of Kansas City
Lees Summit, MO · Savings institution · FDIC · $976 million assets · 346 loans in 2025
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346
loans originated, 2025
470
applications, 2025
17
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First Federal Bank of Kansas City has turned from a big VA lender into a smaller one making purchase and home-improvement loans, many of them to borrowers of modest means.
Fewer loans, more dollars
It made 346 loans, down 10%, while similar lenders (savings institutions making between half and twice as many loans) grew 4%. Its dollar total still rose, to $107.5 million from $100.5 million. Jumbo loans, larger than the conforming limit, rose to 9.9% of its lending from 5.2%.
Reaching poorer neighborhoods
Low- and moderate-income (LMI) borrowers took 32.5% of its loans, against 24.1% at similar lenders, a higher share than at more than four in five. LMI areas took 24.9%, against 15.1%, and majority-minority areas 17.1%, against 5.0%.
Steady in Kansas City
It ranked 40 of 659 lenders in Kansas City, where it has lent since at least 1990, with an unchanged 0.6%. It turned down 3.4% of first-lien home-purchase applications, against 6.2% at similar lenders. Its typical rate, 6.38%, was also lower than at about four in five of them.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
346 loans in 2025, against a peak of 2,606 in 2020.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. First Federal Bank of Kansas City took 470 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
54.3% of its 2025 loans were purchase loans; 97.1% were conventional loans.
Purchase 54.3% · Home improvement 20.2% · Refinance 15.3% · Other 10.1%
Conventional 97.1% · FHA 2.3% · VA 0.6% · of 346 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
17 states, 14 metros, 41 counties
| State | Loans | Share |
|---|---|---|
| Missouri | 230 | 66.5% |
| Kansas | 95 | 27.5% |
| South Carolina | 3 | 0.9% |
| Arkansas | 2 | 0.6% |
| Florida | 2 | 0.6% |
| Michigan | 2 | 0.6% |
| Tennessee | 2 | 0.6% |
| Alabama | 1 | 0.3% |
| Kentucky | 1 | 0.3% |
| Maryland | 1 | 0.3% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Kansas City | 307 |
| St. Joseph | 4 |
| Greenville-Anderson-Greer | 3 |
| St. Louis | 3 |
| Knoxville | 2 |
| Baltimore-Columbia-Towson | 1 |
| Charlotte-Concord-Gastonia | 1 |
| Cleveland | 1 |
| Fort Worth-Arlington-Grapevine | 1 |
| Las Vegas-Henderson-North Las Vegas | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300W5A6PQ1VJG3497 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 950178 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 42825 | 1990–2010 |
| Respondent ID (the HMDA filer code before 2018) | 1702825 | 2011–2017 |
Established 1 July 1934. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: First Federal Bank of Kansas City's data.
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