Applications / Mortgage Analytics / Lenders / Kansas / First Federal Savings and Loan Bank
Olathe, KS · State non-member bank · FDIC · $109 million assets · 85 loans in 2025
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85
loans originated, 2025
103
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First Federal Savings and Loan Bank, a Kansas City-area bank, lends far more than similar banks to low- and moderate-income (LMI) borrowers and neighborhoods, and in majority-minority neighborhoods.
More than half its loans, 55.3%, were in LMI areas, and 49.4% were in majority-minority areas, against 18.5% and 6.5% at similar lenders, state non-member banks making between half and twice as many loans in 2025. Both shares were higher than at about nine in ten of them. It made 44.6% of its loans to LMI borrowers, against 27.7%, and its majority-minority share has risen from 36.2% five years before.
Its loans fell 24% to 85, while similar lenders grew 9%, a change among the lowest tenth of them. Its count has fallen each year since 2022, from 155 to 85. The data do not say why; for a bank of its size, a change in staff or in how much it chooses to lend could account for it.
Home purchases were 64.7% of its loans, refinances 14.1%, and home improvement and other purposes 10.6% each. All were conventional. Its typical loan was $155,000, against $175,000 at similar lenders.
Kansas City has been its main market since 1990. It ranks 166 of 659 lenders there with 0.1%; CommunityAmerica Federal Credit Union leads.
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
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. First Federal Savings and Loan Bank took 103 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 64.7% · Refinance 14.1% · Home improvement 10.6% · Other 10.6%
Conventional 100.0% · of 85 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
| State | Loans | Share |
|---|---|---|
| Kansas | 59 | 69.4% |
| Missouri | 26 | 30.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Kansas City | 84 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493008HZMBEJQEY0J72 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 198073 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 42004 | 1990–2010 |
| Respondent ID (the HMDA filer code before 2018) | 328635 | 2012–2017 |
Established 1 January 1923. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: First Federal Savings and Loan Bank's data.
First Federal Savings and Loan Bank's data
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First Federal Savings and Loan Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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