First Federal Bank of Kansas City Mortgage Lending & HMDA Data, 2023
In 2023, First Federal Bank of Kansas City of Lenexa, KS reported 663 mortgage applications totaling $140.6 million, down 16% from 2022. The average application was for $212,119, and applicants reported an average income of $137,595. 68% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Kansas City, MO-KS (510), Las Vegas-Henderson-Paradise, NV (12) and Washington-Arlington-Alexandria, DC-VA-MD-WV (5) (applications in parentheses).
| Mortgage Company & Address | First Federal Bank of Kansas City Lenexa, KS 66211 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 |
| Total Number of Mortgage Applications | 663 |
| Total Mortgage Loan Application Amount | $140,635,000 |
| Average Mortgage Loan Application Amount | $212,119 |
| Highest Mortgage Loan Application Amount | $1,925,000 |
| Average Applicant Income | $137,595 |
| Highest Applicant Income | $1,077,000 |
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First Federal Bank of Kansas City filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Jackson, Missouri | 188 | $ 29,160,000 | $ 155,106 | $ 103,000 |
| Clay, Missouri | 96 | $ 21,830,000 | $ 227,395 | $ 134,000 |
| Johnson, Kansas | 94 | $ 23,250,000 | $ 247,340 | $ 191,000 |
| Wyandotte, Kansas | 55 | $ 7,165,000 | $ 130,272 | $ 62,000 |
| Platte, Missouri | 34 | $ 7,730,000 | $ 227,352 | $ 149,000 |
| Cass, Missouri | 23 | $ 7,585,000 | $ 329,782 | $ 204,000 |
| Clark, Nevada | 12 | $ 4,020,000 | $ 335,000 | $ 206,000 |
| Leavenworth, Kansas | 7 | $ 1,425,000 | $ 203,571 | $ 129,000 |
| Lafayette, Missouri | 6 | $ 1,960,000 | $ 326,666 | $ 139,000 |
| Miami, Kansas | 4 | $ 550,000 | $ 137,500 | $ 104,000 |
| Douglas, Kansas | 3 | $ 625,000 | $ 208,333 | $ 137,000 |
| Johnson, Missouri | 3 | $ 765,000 | $ 255,000 | $ 174,000 |
| Guilford, North Carolina | 3 | $ 375,000 | $ 125,000 | $ 157,000 |
| Jackson, Oregon | 3 | $ 855,000 | $ 285,000 | $ 146,000 |
| Bexar, Texas | 3 | $ 635,000 | $ 211,666 | $ 65,000 |
| Harris, Texas | 3 | $ 875,000 | $ 291,666 | $ 175,000 |
| Virginia Beach, Virginia | 3 | $ 325,000 | $ 108,333 | $ 135,000 |
| Madison, Alabama | 2 | $ 780,000 | $ 390,000 | $ 127,000 |
| Maricopa, Arizona | 2 | $ 790,000 | $ 395,000 | $ 104,000 |
| Hillsborough, Florida | 2 | $ 120,000 | $ 60,000 | $ 35,000 |
| Manatee, Florida | 2 | $ 190,000 | $ 95,000 | $ 361,000 |
| Volusia, Florida | 2 | $ 710,000 | $ 355,000 | $ 96,000 |
| Bartow, Georgia | 2 | $ 660,000 | $ 330,000 | $ 165,000 |
| Ford, Kansas | 2 | $ 50,000 | $ 25,000 | $ 99,000 |
| Sedgwick, Kansas | 2 | $ 150,000 | $ 75,000 | $ 179,000 |
| Shawnee, Kansas | 2 | $ 860,000 | $ 430,000 | $ 279,000 |
| Anne Arundel, Maryland | 2 | $ 140,000 | $ 70,000 | $ 83,000 |
| Calvert, Maryland | 2 | $ 170,000 | $ 85,000 | $ 182,000 |
| Middlesex, Massachusetts | 2 | $ 90,000 | $ 45,000 | $ 358,000 |
| Camden, Missouri | 2 | $ 580,000 | $ 290,000 | $ 184,000 |
| Ray, Missouri | 2 | $ 380,000 | $ 190,000 | $ 67,000 |
| Morris, New Jersey | 2 | $ 550,000 | $ 275,000 | $ 290,000 |
| Fauquier, Virginia | 2 | $ 500,000 | $ 250,000 | $ 143,000 |
| Giles, Virginia | 2 | $ 190,000 | $ 95,000 | $ 63,000 |
| Elmore, Alabama | 1 | $ 55,000 | $ 55,000 | $ 203,000 |
| Marshall, Alabama | 1 | $ 105,000 | $ 105,000 | $ 115,000 |
| Shelby, Alabama | 1 | $ 325,000 | $ 325,000 | $ 116,000 |
| Tallapoosa, Alabama | 1 | $ 215,000 | $ 215,000 | $ 247,000 |
| Tuscaloosa, Alabama | 1 | $ 215,000 | $ 215,000 | $ 186,000 |
| Cochise, Arizona | 1 | $ 15,000 | $ 15,000 | $ 84,000 |
| Coconino, Arizona | 1 | $ 175,000 | $ 175,000 | $ 35,000 |
| Pima, Arizona | 1 | $ 75,000 | $ 75,000 | $ 126,000 |
| Los Angeles, California | 1 | $ 505,000 | $ 505,000 | $ 207,000 |
| Tulare, California | 1 | $ 315,000 | $ 315,000 | $ 78,000 |
| Ventura, California | 1 | $ 725,000 | $ 725,000 | $ 155,000 |
| Arapahoe, Colorado | 1 | $ 455,000 | $ 455,000 | $ 131,000 |
| El Paso, Colorado | 1 | $ 425,000 | $ 425,000 | $ 157,000 |
| Larimer, Colorado | 1 | $ 1,325,000 | $ 1,325,000 | $ 259,000 |
| Summit, Colorado | 1 | $ 545,000 | $ 545,000 | $ 177,000 |
| Weld, Colorado | 1 | $ 55,000 | $ 55,000 | $ 133,000 |
| Marion, Florida | 1 | $ 25,000 | $ 25,000 | $ 119,000 |
| Miami-Dade, Florida | 1 | $ 35,000 | $ 35,000 | $ 79,000 |
| Orange, Florida | 1 | $ 515,000 | $ 515,000 | $ 248,000 |
| Palm Beach, Florida | 1 | $ 555,000 | $ 555,000 | $ 133,000 |
| Pasco, Florida | 1 | $ 65,000 | $ 65,000 | $ 128,000 |
| Pinellas, Florida | 1 | $ 255,000 | $ 255,000 | $ 321,000 |
| Santa Rosa, Florida | 1 | $ 335,000 | $ 335,000 | $ 388,000 |
| Sarasota, Florida | 1 | $ 725,000 | $ 725,000 | $ 203,000 |
| Sumter, Florida | 1 | $ 305,000 | $ 305,000 | $ 230,000 |
| Chatham, Georgia | 1 | $ 205,000 | $ 205,000 | $ 215,000 |
| Ada, Idaho | 1 | $ 475,000 | $ 475,000 | $ 126,000 |
| Canyon, Idaho | 1 | $ 275,000 | $ 275,000 | $ 200,000 |
| Madison, Idaho | 1 | $ 705,000 | $ 705,000 | $ 130,000 |
| Marion, Indiana | 1 | $ 375,000 | $ 375,000 | $ 130,000 |
| Ohio, Indiana | 1 | $ 315,000 | $ 315,000 | $ 71,000 |
| Franklin, Kansas | 1 | $ 485,000 | $ 485,000 | $ 142,000 |
| Jackson, Kansas | 1 | $ 705,000 | $ 705,000 | $ 325,000 |
| Jefferson, Kansas | 1 | $ 275,000 | $ 275,000 | $ 94,000 |
| McPherson, Kansas | 1 | $ 365,000 | $ 365,000 | $ 170,000 |
| Sumner, Kansas | 1 | $ 105,000 | $ 105,000 | $ 77,000 |
| Tangipahoa, Louisiana | 1 | $ 95,000 | $ 95,000 | $ 303,000 |
| Cumberland, Maine | 1 | $ 105,000 | $ 105,000 | $ 92,000 |
| Baltimore, Maryland | 1 | $ 25,000 | $ 25,000 | $ 138,000 |
| Garrett, Maryland | 1 | $ 225,000 | $ 225,000 | $ 220,000 |
| Montgomery, Maryland | 1 | $ 105,000 | $ 105,000 | $ 528,000 |
| Allegan, Michigan | 1 | $ 255,000 | $ 255,000 | $ 242,000 |
| Wayne, Michigan | 1 | $ 195,000 | $ 195,000 | $ 219,000 |
| Lafayette, Mississippi | 1 | $ 105,000 | $ 105,000 | $ 153,000 |
| Andrew, Missouri | 1 | $ 125,000 | $ 125,000 | $ 82,000 |
| Boone, Missouri | 1 | $ 275,000 | $ 275,000 | $ 60,000 |
| Clinton, Missouri | 1 | $ 615,000 | $ 615,000 | $ 110,000 |
| DeKalb, Missouri | 1 | $ 45,000 | $ 45,000 | $ 43,000 |
| Franklin, Missouri | 1 | $ 55,000 | $ 55,000 | $ 77,000 |
| Hickory, Missouri | 1 | $ 125,000 | $ 125,000 | $ 93,000 |
| Lawrence, Missouri | 1 | $ 445,000 | $ 445,000 | $ 160,000 |
| Newton, Missouri | 1 | $ 605,000 | $ 605,000 | $ 449,000 |
| Pettis, Missouri | 1 | $ 315,000 | $ 315,000 | $ 48,000 |
| St. Francois, Missouri | 1 | $ 55,000 | $ 55,000 | $ 180,000 |
| St. Louis, Missouri | 1 | $ 465,000 | $ 465,000 | $ 234,000 |
| Douglas, Nebraska | 1 | $ 45,000 | $ 45,000 | $ 97,000 |
| Hillsborough, New Hampshire | 1 | $ 75,000 | $ 75,000 | $ 105,000 |
| Mercer, New Jersey | 1 | $ 105,000 | $ 105,000 | $ 294,000 |
| Forsyth, North Carolina | 1 | $ 245,000 | $ 245,000 | $ 136,000 |
| Mecklenburg, North Carolina | 1 | $ 615,000 | $ 615,000 | $ 287,000 |
| Wake, North Carolina | 1 | $ 35,000 | $ 35,000 | $ 155,000 |
| Warren, North Carolina | 1 | $ 115,000 | $ 115,000 | $ 193,000 |
| Cuyahoga, Ohio | 1 | $ 25,000 | $ 25,000 | $ 96,000 |
| Lorain, Ohio | 1 | $ 465,000 | $ 465,000 | $ 296,000 |
| Rogers, Oklahoma | 1 | $ 725,000 | $ 725,000 | $ 252,000 |
| Tulsa, Oklahoma | 1 | $ 225,000 | $ 225,000 | $ 68,000 |
| Marion, Oregon | 1 | $ 15,000 | $ 15,000 | $ 81,000 |
| Columbia, Pennsylvania | 1 | $ 325,000 | $ 325,000 | $ 140,000 |
| Erie, Pennsylvania | 1 | $ 135,000 | $ 135,000 | $ 61,000 |
| Lycoming, Pennsylvania | 1 | $ 265,000 | $ 265,000 | $ 101,000 |
| Beaufort, South Carolina | 1 | $ 225,000 | $ 225,000 | $ 149,000 |
| Greenville, South Carolina | 1 | $ 45,000 | $ 45,000 | $ 217,000 |
| Hamilton, Tennessee | 1 | $ 75,000 | $ 75,000 | $ 124,000 |
| Sumner, Tennessee | 1 | $ 305,000 | $ 305,000 | $ 158,000 |
| Williamson, Tennessee | 1 | $ 355,000 | $ 355,000 | $ 245,000 |
| Dallas, Texas | 1 | $ 355,000 | $ 355,000 | $ 169,000 |
| Maverick, Texas | 1 | $ 425,000 | $ 425,000 | $ 168,000 |
| Midland, Texas | 1 | $ 275,000 | $ 275,000 | $ 99,000 |
| Montgomery, Texas | 1 | $ 335,000 | $ 335,000 | $ 172,000 |
| Fairfax, Virginia | 1 | $ 685,000 | $ 685,000 | $ 232,000 |
| Mecklenburg, Virginia | 1 | $ 35,000 | $ 35,000 | $ 108,000 |
| Pleasants, West Virginia | 1 | $ 75,000 | $ 75,000 | $ 187,000 |
| Buffalo, Wisconsin | 1 | $ 105,000 | $ 105,000 | $ 221,000 |
| Milwaukee, Wisconsin | 1 | $ 95,000 | $ 95,000 | $ 164,000 |
Mortgage Loan Application Detail Totals for First Federal Bank of Kansas City in 2023
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 | 361 | $108,955,000 | $301,000 | $1,925,000 | $129,000 | $1,077,000 |
| Home Improvement | 135 | $9,385,000 | $69,000 | $305,000 | $132,000 | $718,000 |
| Other Purpose | 85 | $7,785,000 | $91,000 | $555,000 | $135,000 | $528,000 |
| Refinancing | 64 | $9,970,000 | $155,000 | $545,000 | $206,000 | $622,000 |
| Cash-out Refinancing | 18 | $4,540,000 | $252,000 | $705,000 | $121,000 | $347,000 |
| Not Applicable | 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 | 413 | $91,565,000 | $221,000 | $1,925,000 | $156,000 | $729,000 |
| Hispanic | 145 | $27,535,000 | $189,000 | $705,000 | $87,000 | $420,000 |
| Not Provided | 47 | $12,015,000 | $255,000 | $1,545,000 | $163,000 | $1,077,000 |
| Black or African American | 37 | $5,535,000 | $149,000 | $495,000 | $94,000 | $272,000 |
| Asian | 10 | $2,550,000 | $255,000 | $515,000 | $169,000 | $536,000 |
| American Indian or Alaskan Native | 8 | $1,260,000 | $157,000 | $445,000 | $99,000 | $193,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $95,000 | $95,000 | $95,000 | $95,000 | $95,000 |
| 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) | 604 | $120,120,000 | $198,000 | $1,925,000 | $139,000 | $1,077,000 |
| VA-guaranteed (Veterans Administration) | 35 | $15,285,000 | $436,000 | $1,325,000 | $145,000 | $296,000 |
| FHA-insured (Federal Housing Administration) | 24 | $5,230,000 | $217,000 | $395,000 | $78,000 | $172,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 451 | $105,045,000 | $232,000 | $1,925,000 | $143,000 | $1,077,000 |
| Application Withdrawn By Applicant | 96 | $21,920,000 | $228,000 | $1,175,000 | $129,000 | $518,000 |
| Application Denied By Financial Institution | 79 | $7,145,000 | $90,000 | $445,000 | $103,000 | $551,000 |
| File Closed For Incompleteness | 28 | $4,650,000 | $166,000 | $615,000 | $153,000 | $509,000 |
| Application Approved But Not Accepted | 4 | $950,000 | $237,000 | $655,000 | $243,000 | $729,000 |
| Preapproval Denied by Financial Institution | 4 | $620,000 | $155,000 | $225,000 | $51,000 | $79,000 |
| Preapproval Approved but not Accepted | 1 | $305,000 | $305,000 | $305,000 | $129,000 | $129,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
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 |
|---|---|---|---|---|---|---|
| Not applicable | 580 | $132,870,000 | $229,000 | $1,925,000 | $142,000 | $1,077,000 |
| Credit History | 39 | $2,245,000 | $57,000 | $295,000 | $106,000 | $551,000 |
| Debt-To-Income Ratio | 22 | $3,020,000 | $137,000 | $445,000 | $97,000 | $477,000 |
| Other | 10 | $1,000,000 | $100,000 | $255,000 | $81,000 | $277,000 |
| Collateral | 8 | $770,000 | $96,000 | $275,000 | $101,000 | $290,000 |
| Employment History | 2 | $280,000 | $140,000 | $225,000 | $114,000 | $150,000 |
| Credit Application Incomplete | 1 | $375,000 | $375,000 | $375,000 | $130,000 | $130,000 |
| Mortgage Insurance Denied | 1 | $75,000 | $75,000 | $75,000 | $70,000 | $70,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Federal Bank of Kansas City's 2023 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.
For a list of all lenders in Kansas, download the full spreadsheet
with aggregated HMDA statistics today.
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