First Federal Bank of Kansas City Mortgage Lending & HMDA Data, 2011
In 2011, First Federal Bank of Kansas City of Kansas City, MO reported 1,306 mortgage applications totaling $207.7 million. The average application was for $159,022, and applicants reported an average income of $81,843. 58% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Kansas City, MO-KS (805), Wichita, KS (22) and Topeka, KS (12) (applications in parentheses).
| Mortgage Company & Address | First Federal Bank of Kansas City 6900 Executive Dr Kansas City, MO 64120 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 1,306 |
| Total Mortgage Loan Application Amount | $207,683,000 |
| Average Mortgage Loan Application Amount | $159,022 |
| Highest Mortgage Loan Application Amount | $1,100,000 |
| Average Applicant Income | $81,843 |
| Highest Applicant Income | $1,360,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records First Federal Bank of Kansas City filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Kansas City, MO-KS | 805 | $ 127,983,000 | $ 158,985 | $ 80,601 |
| Wichita, KS | 22 | $ 2,760,000 | $ 125,454 | $ 76,000 |
| Topeka, KS | 12 | $ 1,357,000 | $ 113,083 | $ 76,000 |
| Anchorage, AK | 11 | $ 2,548,000 | $ 231,636 | $ 176,000 |
| Billings, MT | 9 | $ 1,105,000 | $ 122,777 | $ 69,000 |
| Chicago-Joliet-Naperville, IL | 7 | $ 1,487,000 | $ 212,428 | $ 112,000 |
| Lawrence, KS | 7 | $ 1,083,000 | $ 154,714 | $ 84,000 |
| Milwaukee-Waukesha-West Allis, WI | 7 | $ 1,029,000 | $ 147,000 | $ 79,000 |
| St. Louis, MO-IL | 7 | $ 749,000 | $ 107,000 | $ 72,714 |
| Madison, WI | 6 | $ 1,534,000 | $ 255,666 | $ 98,000 |
| Manhattan, KS | 6 | $ 1,001,000 | $ 166,833 | $ 82,000 |
| Fond Du Lac, WI | 5 | $ 694,000 | $ 138,800 | $ 64,000 |
| Houston-Sugar Land-Baytown, TX | 5 | $ 833,000 | $ 166,600 | $ 136,000 |
| Lake County-Kenosha County, IL-WI | 5 | $ 947,000 | $ 189,400 | $ 72,200 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 5 | $ 1,760,000 | $ 352,000 | $ 255,800 |
| Missoula, MT | 5 | $ 1,359,000 | $ 271,800 | $ 34,000 |
| New York-White Plains-Wayne, NY-NJ | 5 | $ 1,556,000 | $ 311,200 | $ 109,800 |
| St. Joseph, MO-KS | 5 | $ 641,000 | $ 128,200 | $ 51,800 |
| Appleton, WI | 4 | $ 411,000 | $ 102,750 | $ 46,000 |
| Charleston, WV | 4 | $ 510,000 | $ 127,500 | $ 58,000 |
| Fairbanks, AK | 4 | $ 769,000 | $ 192,250 | $ 407,000 |
| Oshkosh-Neenah, WI | 4 | $ 379,000 | $ 94,750 | $ 84,000 |
| Atlanta-Sandy Springs-Marietta, GA | 3 | $ 632,000 | $ 210,666 | $ 89,000 |
| Dallas-Plano-Irving, TX | 3 | $ 397,000 | $ 132,333 | $ 60,000 |
| Fort Worth-Arlington, TX | 3 | $ 350,000 | $ 116,666 | $ 76,000 |
| Indianapolis-Carmel, IN | 3 | $ 405,000 | $ 135,000 | $ 91,000 |
| Parkersburg-Marietta-Vienna, WV-OH | 3 | $ 490,000 | $ 163,333 | $ 83,000 |
| Philadelphia, PA | 3 | $ 830,000 | $ 276,666 | $ 90,000 |
| Sheboygan, WI | 3 | $ 374,000 | $ 124,666 | $ 72,000 |
| Austin-Round Rock-San Marcos, TX | 2 | $ 382,000 | $ 191,000 | $ 56,000 |
| Eau Claire, WI | 2 | $ 638,000 | $ 319,000 | $ 186,000 |
| Green Bay, WI | 2 | $ 460,000 | $ 230,000 | $ 152,000 |
| Jacksonville, FL | 2 | $ 406,000 | $ 203,000 | $ 75,000 |
| La Crosse, WI-MN | 2 | $ 274,000 | $ 137,000 | $ 78,000 |
| Morgantown, WV | 2 | $ 423,000 | $ 211,500 | $ 221,000 |
| Nassau-Suffolk, NY | 2 | $ 564,000 | $ 282,000 | $ 79,000 |
| Orlando-Kissimmee-Sanford, FL | 2 | $ 505,000 | $ 252,500 | $ 92,000 |
| Peoria, IL | 2 | $ 226,000 | $ 113,000 | $ 62,000 |
| Riverside-San Bernardino-Ontario, CA | 2 | $ 287,000 | $ 143,500 | $ 94,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 2 | $ 707,000 | $ 353,500 | $ 304,000 |
| South Bend-Mishawaka, IN-MI | 2 | $ 194,000 | $ 97,000 | $ 82,000 |
| Ames, IA | 1 | $ 81,000 | $ 81,000 | $ 34,000 |
| Athens-Clarke County, GA | 1 | $ 368,000 | $ 368,000 | $ 259,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 375,000 | $ 375,000 | $ 185,000 |
| Baltimore-Towson, MD | 1 | $ 287,000 | $ 287,000 | $ 100,000 |
| Bethesda-Rockville-Frederick, MD | 1 | $ 380,000 | $ 380,000 | $ 117,000 |
| Bremerton-Silverdale, WA | 1 | $ 405,000 | $ 405,000 | $ 95,000 |
| Burlington-South Burlington, VT | 1 | $ 296,000 | $ 296,000 | $ 146,000 |
| Cambridge-Newton-Framingham, MA | 1 | $ 378,000 | $ 378,000 | $ 137,000 |
| Casper, WY | 1 | $ 147,000 | $ 147,000 | $ 70,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 1 | $ 315,000 | $ 315,000 | $ 168,000 |
| Cheyenne, WY | 1 | $ 324,000 | $ 324,000 | $ 181,000 |
| Cincinnati-Middletown, OH-KY-IN | 1 | $ 141,000 | $ 141,000 | $ 58,000 |
| Columbus, OH | 1 | $ 158,000 | $ 158,000 | $ 100,000 |
| Denver-Aurora-Broomfield, CO | 1 | $ 202,000 | $ 202,000 | $ 100,000 |
| Des Moines-West Des Moines, IA | 1 | $ 172,000 | $ 172,000 | $ 40,000 |
| Duluth, MN-WI | 1 | $ 90,000 | $ 90,000 | $ 51,000 |
| Elkhart-Goshen, IN | 1 | $ 122,000 | $ 122,000 | $ 63,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 238,000 | $ 238,000 | $ 80,000 |
| Fresno, CA | 1 | $ 160,000 | $ 160,000 | $ 145,000 |
| Gainesville, FL | 1 | $ 149,000 | $ 149,000 | $ 66,000 |
| Gary, IN | 1 | $ 299,000 | $ 299,000 | $ 138,000 |
| Great Falls, MT | 1 | $ 130,000 | $ 130,000 | $ 48,000 |
| Hagerstown-Martinsburg, MD-WV | 1 | $ 244,000 | $ 244,000 | $ 80,000 |
| Huntington-Ashland, WV-KY-OH | 1 | $ 203,000 | $ 203,000 | $ 91,000 |
| Iowa City, IA | 1 | $ 232,000 | $ 232,000 | $ 89,000 |
| Janesville, WI | 1 | $ 151,000 | $ 151,000 | $ 95,000 |
| Las Vegas-Paradise, NV | 1 | $ 135,000 | $ 135,000 | $ 148,000 |
| Longview, TX | 1 | $ 310,000 | $ 310,000 | $ 178,000 |
| Los Angeles-Long Beach-Glendale, CA | 1 | $ 410,000 | $ 410,000 | $ 74,000 |
| Lynchburg, VA | 1 | $ 138,000 | $ 138,000 | $ 37,000 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 185,000 | $ 185,000 | $ 95,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 191,000 | $ 191,000 | $ 99,000 |
| Newark-Union, NJ-PA | 1 | $ 219,000 | $ 219,000 | $ 83,000 |
| Oakland-Fremont-Hayward, CA | 1 | $ 352,000 | $ 352,000 | $ 110,000 |
| Peabody, MA | 1 | $ 417,000 | $ 417,000 | $ 271,000 |
| Phoenix-Mesa-Glendale, AZ | 1 | $ 264,000 | $ 264,000 | $ 120,000 |
| Pittsburgh, PA | 1 | $ 1,100,000 | $ 1,100,000 | $ 660,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 1 | $ 414,000 | $ 414,000 | $ 325,000 |
| Providence-New Bedford-Fall River, RI-MA | 1 | $ 139,000 | $ 139,000 | $ 76,000 |
| San Antonio-New Braunfels, TX | 1 | $ 275,000 | $ 275,000 | $ 114,000 |
| San Diego-Carlsbad-San Marcos, CA | 1 | $ 200,000 | $ 200,000 | $ 45,000 |
| Santa Ana-Anaheim-Irvine, CA | 1 | $ 288,000 | $ 288,000 | $ 83,000 |
| Seattle-Bellevue-Everett, WA | 1 | $ 364,000 | $ 364,000 | $ 84,000 |
| Springfield, IL | 1 | $ 165,000 | $ 165,000 | $ 142,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 75,000 | $ 75,000 | $ 147,000 |
| Warren-Troy-Farmington Hills, MI | 1 | $ 388,000 | $ 388,000 | $ 138,000 |
| Wausau, WI | 1 | $ 397,000 | $ 397,000 | $ 191,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 1 | $ 196,000 | $ 196,000 | $ 107,000 |
| Wilmington, DE-MD-NJ | 1 | $ 279,000 | $ 279,000 | $ 115,000 |
Mortgage Loan Application Detail Totals for First Federal Bank of Kansas City in 2011
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 659 | $93,392,000 | $141,000 | $744,000 | $65,000 | $737,000 |
| Refinancing | 647 | $114,291,000 | $176,000 | $1,100,000 | $99,000 | $1,360,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 963 | $157,638,000 | $163,000 | $1,100,000 | $85,000 | $1,360,000 |
| Not Provided | 212 | $33,334,000 | $157,000 | $744,000 | $82,000 | $737,000 |
| Black or African American | 72 | $8,042,000 | $111,000 | $303,000 | $55,000 | $363,000 |
| Hispanic | 36 | $4,671,000 | $129,000 | $352,000 | $59,000 | $245,000 |
| Asian | 12 | $2,533,000 | $211,000 | $417,000 | $109,000 | $520,000 |
| American Indian or Alaskan Native | 8 | $1,106,000 | $138,000 | $292,000 | $72,000 | $134,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $359,000 | $119,000 | $209,000 | $65,000 | $134,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 819 | $147,791,000 | $180,000 | $1,100,000 | $96,000 | $741,000 |
| FHA-insured (Federal Housing Administration) | 433 | $51,088,000 | $117,000 | $290,000 | $57,000 | $1,360,000 |
| VA-guaranteed (Veterans Administration) | 40 | $6,830,000 | $170,000 | $339,000 | $63,000 | $181,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 14 | $1,974,000 | $141,000 | $280,000 | $50,000 | $89,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 755 | $123,328,000 | $163,000 | $686,000 | $86,000 | $741,000 |
| Application Withdrawn By Applicant | 201 | $35,104,000 | $174,000 | $744,000 | $90,000 | $737,000 |
| Application Denied By Financial Institution | 127 | $20,265,000 | $159,000 | $1,100,000 | $75,000 | $1,360,000 |
| Preapproval Denied by Financial Institution | 102 | $10,873,000 | $106,000 | $323,000 | $40,000 | $250,000 |
| File Closed For Incompleteness | 46 | $7,616,000 | $165,000 | $500,000 | $108,000 | $676,000 |
| Preapproval Approved but not Accepted | 37 | $5,356,000 | $144,000 | $417,000 | $67,000 | $263,000 |
| Application Approved But Not Accepted | 35 | $4,536,000 | $129,000 | $354,000 | $65,000 | $181,000 |
| Loan Purchased By The Institution | 3 | $605,000 | $201,000 | $360,000 | $128,000 | $241,000 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Credit History | 117 | $12,625,000 | $107,000 | $450,000 | $44,000 | $134,000 |
| Other | 43 | $7,303,000 | $169,000 | $1,100,000 | $70,000 | $660,000 |
| Debt-To-Income Ratio | 35 | $5,860,000 | $167,000 | $480,000 | $48,000 | $128,000 |
| Collateral | 19 | $3,314,000 | $174,000 | $512,000 | $145,000 | $1,360,000 |
| Employment History | 13 | $1,907,000 | $146,000 | $388,000 | $71,000 | $250,000 |
| Unverifiable Information | 2 | $129,000 | $64,000 | $80,000 | $26,000 | $38,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Federal Bank of Kansas City's 2011 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess First Federal Bank of Kansas City's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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