Lender in Florida · HMDA 2025
First Federal Bank mortgages in Florida
First Federal Bank's 2025 home-purchase and refinance lending in Florida, compared with all lenders in the state.
First Federal Bank originated 658 owner-occupied single-family loans in Florida from 764 completed applications.
Its median conventional purchase loan costs were $5,270 versus $6,760 for all Florida lenders, at a median 30-year fixed rate of 6.50% (Florida: 6.625%).
Loans in FL
658
of 764 applications
Denial rate
10.5%
Purchase · FL 12.8%
Rate spread
+0.02 pts
Conv. · FL +0.14 pts
Loan amount
$305,000
Purchase · FL $345,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 656 | 586 | 10.5% | 6.500% | +0.02 pts | $5,270 | $305,000 |
| Refinance | 31 | 27 | 12.9% | — | — | — | $435,000 |
| Cash-out refinance | 77 | 45 | 40.3% | 6.500% | +0.04 pts | $5,240 | $255,000 |
*Conventional loans only; medians with at least 20 loans.
Florida counties where First Federal Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Baker County | 2 | 29 | 10.4% |
| Columbia County | 3 | 35 | 6.7% |
| Suwannee County | 3 | 21 | 8.9% |
| Jackson County | 5 | 15 | 5.1% |
| Holmes County | 5 | 5 | 5.0% |
| Lafayette County | 5 | 2 | 8.0% |
| Hamilton County | 6 | 3 | 4.8% |
| Bradford County | 7 | 8 | 3.2% |
| Calhoun County | 7 | 3 | 4.0% |
| Taylor County | 10 | 3 | 2.7% |
| Union County | 11 | 2 | 3.5% |
| Washington County | 12 | 5 | 1.8% |
| Nassau County | 13 | 30 | 1.8% |
| Clay County | 19 | 43 | 1.1% |
| Duval County | 25 | 129 | 1.0% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology