Purchase Originations
1,061
Ranked #361 nationally
Median Total Costs
$7,300
+9.3% vs national ($6,680)
↓ $323 vs prior year
Median Rate
6.250%
−3.7% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$3,318
Median Lender Credits
$82
Cost Rank (500+ vol.)
#393
among lenders with 500+ originations
Denial Rate
3.2%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 484 | 6.500% | $5,331 | $3,505 |
| fha | 455 | 6.000% | $9,625 | $3,166 |
| va | 79 | 6.125% | $6,832 | $3,741 |
| usda | 43 | 6.000% | $7,230 | $2,967 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Alabama | 1,029 | 6.250% | $7,262 | #10 |
| Georgia | 9 | 6.125% | $10,114 | — |
| Tennessee | 6 | 6.188% | $8,422 | — |
| Mississippi | 5 | 6.375% | $7,590 | — |
| North Carolina | 3 | 6.000% | $7,254 | — |
| Florida | 2 | 6.062% | $10,944 | — |
| Texas | 2 | 5.875% | $7,964 | — |
| Illinois | 1 | 5.625% | $11,997 | — |
| Louisiana | 1 | 6.125% | $4,581 | — |
| Missouri | 1 | 6.000% | $7,820 | — |
| Ohio | 1 | 6.500% | $6,580 | — |
| South Carolina | 1 | 5.500% | $8,763 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,518 | 6.375% | — | 38 | −$2,782 | |
| 2 | $6,138 | 6.375% | — | 10 | −$1,162 | |
| 3 | $6,379 | 6.375% | — | 67 | −$921 | |
| 4 | $6,533 | 6.375% | — | 28 | −$767 | |
| 5 | $6,564 | 6.250% | — | 84 | −$736 | |
| 6 | $7,026 | 6.125% | — | 36 | −$274 | |
| 7 | $7,114 | 6.250% | — | 58 | −$186 | |
| 8 | $7,227 | 6.125% | — | 29 | −$73 | |
| 9 | $7,251 | 6.000% | — | 62 | −$49 | |
| 10 | $7,269 | 6.188% | — | 8 | −$31 | |
| 11 | $7,509 | 6.000% | — | 13 | +$209 | |
| 12 | $7,568 | 6.125% | — | 51 | +$268 | |
| 13 | $7,810 | 6.125% | — | 386 | +$510 | |
| 14 | $7,875 | 6.125% | — | 17 | +$575 | |
| 15 | $8,051 | 6.062% | — | 14 | +$751 | |
| 16 | $8,298 | 5.750% | — | 7 | +$998 | |
| 17 | $8,391 | 6.000% | — | 17 | +$1,091 | |
| 18 | $8,561 | 6.250% | — | 13 | +$1,261 | |
| 19 | $8,784 | 6.000% | — | 15 | +$1,484 | |
| 20 | $8,930 | 5.875% | — | 21 | +$1,630 |
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, A FSB | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $245,000 | $335,000 | −$90,000 (−26.9%) |
| Median total closing costs | $7,300 | $7,127 | +$173 (+2.4%) |
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.