Purchase Originations
3,403
Ranked #146 nationally
Median Total Costs
$5,766
−13.7% vs national ($6,680)
↓ $109 vs prior year
Median Rate
6.250%
−3.7% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$1,195
Median Lender Credits
$669
Cost Rank (500+ vol.)
#259
among lenders with 500+ originations
Denial Rate
7.3%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 2,115 | 6.375% | $4,882 | $1,195 |
| va | 715 | 5.990% | $6,782 | $0 |
| fha | 554 | 6.250% | $9,457 | $1,341 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Florida | 663 | 6.375% | $6,605 | #66 |
| Georgia | 321 | 6.500% | $8,196 | #75 |
| South Carolina | 266 | 6.125% | $7,504 | #64 |
| North Carolina | 182 | 6.250% | $5,651 | #111 |
| Wisconsin | 141 | 6.375% | $2,968 | #75 |
| Illinois | 133 | 6.500% | $5,948 | #126 |
| Texas | 130 | 6.124% | $6,955 | #251 |
| Minnesota | 111 | 6.375% | $4,536 | #90 |
| Missouri | 106 | 6.250% | $4,271 | #87 |
| Virginia | 92 | 5.990% | $6,376 | #133 |
| Kansas | 86 | 6.250% | $4,389 | #73 |
| New Jersey | 81 | 6.250% | $7,654 | #118 |
| Pennsylvania | 73 | 6.375% | $5,621 | #186 |
| Alabama | 71 | 6.250% | $5,796 | #113 |
| Maryland | 68 | 5.875% | $8,127 | #118 |
| California | 64 | 6.250% | $6,806 | #237 |
| Indiana | 57 | 6.125% | $2,992 | #166 |
| Ohio | 53 | 6.250% | $4,458 | #184 |
| Tennessee | 53 | 6.000% | $4,947 | #182 |
| Washington | 49 | 5.990% | $5,505 | — |
| Massachusetts | 46 | 5.990% | $5,250 | — |
| Colorado | 45 | 6.125% | $3,483 | — |
| Kentucky | 44 | 6.000% | $4,115 | — |
| Iowa | 40 | 6.500% | $4,426 | — |
| Arizona | 35 | 6.125% | $5,573 | — |
| New Mexico | 33 | 6.125% | $5,775 | — |
| Arkansas | 31 | 6.250% | $3,351 | — |
| Michigan | 31 | 6.125% | $3,836 | — |
| Oklahoma | 29 | 6.125% | $4,532 | — |
| Nevada | 26 | 6.125% | $5,157 | — |
| Idaho | 25 | 6.125% | $4,924 | — |
| Oregon | 25 | 6.375% | $5,462 | — |
| Connecticut | 24 | 7.000% | $12,716 | — |
| Utah | 24 | 6.062% | $4,349 | — |
| Louisiana | 21 | 6.000% | $4,138 | — |
| New Hampshire | 18 | 5.933% | $4,036 | — |
| North Dakota | 15 | 6.125% | $4,951 | — |
| New York | 15 | 6.125% | $6,200 | — |
| Mississippi | 12 | 6.125% | $7,647 | — |
| Montana | 10 | 5.688% | $5,073 | — |
| District of Columbia | 8 | 6.312% | $7,472 | — |
| West Virginia | 8 | 5.995% | $5,721 | — |
| Delaware | 6 | 5.808% | $4,408 | — |
| Maine | 6 | 6.250% | $4,147 | — |
| Nebraska | 6 | 6.058% | $5,610 | — |
| Rhode Island | 6 | 5.995% | $5,555 | — |
| Hawaii | 4 | 5.625% | $4,881 | — |
| Vermont | 3 | 6.250% | $5,156 | — |
| Wyoming | 3 | 6.250% | $4,504 | — |
| Alaska | 2 | 6.308% | $14,263 | — |
| South Dakota | 2 | 5.812% | $3,646 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,166 | 6.490% | — | 23 | −$1,600 | |
| 2 | $4,363 | 6.375% | — | 37 | −$1,403 | |
| 3 | $4,493 | 6.500% | — | 128 | −$1,273 | |
| 4 | $4,570 | 6.375% | — | 31 | −$1,196 | |
| 5 | $4,691 | 6.375% | — | 46 | −$1,075 | |
| 6 | $4,926 | 6.375% | — | 37 | −$840 | |
| 7 | $5,755 | 6.000% | — | 41 | −$11 | |
| 8 | $6,585 | 6.250% | — | 44 | +$819 | |
| 9 | $6,761 | 6.375% | — | 26 | +$995 | |
| 10 | $7,105 | 6.250% | — | 127 | +$1,339 | |
| 11 | $7,172 | 6.375% | — | 42 | +$1,406 | |
| 12 | $7,720 | 6.625% | — | 29 | +$1,954 | |
| 13 | $7,790 | 6.500% | — | 35 | +$2,024 | |
| 14 | $8,005 | 6.250% | — | 26 | +$2,239 | |
| 15 | $8,443 | 5.990% | — | 29 | +$2,677 | |
| 16 | $8,567 | 6.625% | — | 51 | +$2,801 | |
| 17 | $8,661 | 6.375% | — | 26 | +$2,895 | |
| 18 | $8,739 | 6.188% | — | 26 | +$2,973 | |
| 19 | $9,633 | 6.625% | — | 53 | +$3,867 | |
| 20 | $10,852 | 6.625% | — | 57 | +$5,086 |
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 | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $335,000 | $335,000 | +$0 (+0.0%) |
| Median total closing costs | $5,766 | $7,127 | −$1,361 (−19.1%) |
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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.