Purchase Originations
169
Median Total Costs
$4,687
−29.8% vs national ($6,680)
↑ $523 vs prior year
Median Rate
6.625%
+2.1% vs national (6.490%)
↓ 0.250% vs prior year
Median Origination
$2,640
Median Lender Credits
$150
Denial Rate
4.2%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 160 | 6.750% | $4,481 | $2,617 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Missouri | 108 | 6.688% | $5,351 | #86 |
| Kansas | 46 | 6.750% | $4,293 | — |
| Michigan | 2 | 6.688% | $2,770 | — |
| South Carolina | 2 | 6.625% | $3,587 | — |
| Tennessee | 2 | 6.625% | $3,852 | — |
| Alabama | 1 | 6.500% | $3,381 | — |
| Arkansas | 1 | 6.375% | $2,893 | — |
| Florida | 1 | 6.750% | $6,002 | — |
| Maryland | 1 | 6.500% | $4,013 | — |
| Ohio | 1 | 5.875% | $3,320 | — |
| Oklahoma | 1 | 6.500% | $4,691 | — |
| Oregon | 1 | 6.250% | $3,990 | — |
| Pennsylvania | 1 | 6.875% | $4,674 | — |
| Texas | 1 | 6.500% | $5,015 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,691 | 6.750% | — | 1 | −$1,996 | |
| 2 | $2,849 | 6.625% | — | 1 | −$1,838 | |
| 3 | $2,891 | 6.375% | — | 1 | −$1,796 | |
| 4 | $2,893 | 6.375% | — | 1 | −$1,794 | |
| 5 | $2,986 | 5.875% | — | 1 | −$1,701 | |
| 6 | $3,381 | 6.500% | — | 1 | −$1,306 | |
| 7 | $3,443 | 6.250% | — | 7 | −$1,244 | |
| 8 | $3,454 | 6.750% | — | 2 | −$1,233 | |
| 9 | $4,013 | 6.500% | — | 1 | −$674 | |
| 10 | $4,212 | 6.750% | — | 26 | −$475 | |
| 11 | $4,984 | 6.625% | — | 62 | +$297 | |
| 12 | $5,987 | 6.750% | — | 17 | +$1,300 | |
| 13 | $6,002 | 6.750% | — | 1 | +$1,315 | |
| 14 | $7,301 | 6.875% | — | 17 | +$2,614 | |
| 15 | $8,148 | 6.938% | — | 12 | +$3,461 | |
| 16 | $8,721 | 7.000% | — | 4 | +$4,034 | |
| 17 | $11,091 | 6.500% | — | 1 | +$6,404 | |
| 18 | $14,097 | 6.875% | — | 2 | +$9,410 | |
| 19 | $14,958 | 6.750% | — | 1 | +$10,271 | |
| 20 | $15,234 | 6.000% | — | 1 | +$10,547 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | First Federal Bank of Kansas City | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $345,000 | $335,000 | +$10,000 (+3.0%) |
| Median total closing costs | $4,687 | $7,127 | −$2,440 (−34.2%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.