Lender in Georgia · HMDA 2025
First Federal Bank mortgages in Georgia
First Federal Bank's 2025 home-purchase and refinance lending in Georgia, compared with all lenders in the state.
First Federal Bank originated 355 owner-occupied single-family loans in Georgia from 386 completed applications.
Its median conventional purchase loan costs were $7,990 versus $6,350 for all Georgia lenders, at a median 30-year fixed rate of 6.625% (Georgia: 6.624%).
Loans in GA
355
of 386 applications
Denial rate
4.0%
Purchase · GA 9.9%
Rate spread
+0.02 pts
Conv. · GA +0.13 pts
Loan amount
$395,000
Purchase · GA $325,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 326 | 307 | 4.0% | 6.625% | +0.02 pts | $7,990 | $395,000 |
| Refinance | 27 | 23 | 14.8% | — | — | — | $305,000 |
| Cash-out refinance | 33 | 25 | 24.2% | — | — | — | $375,000 |
*Conventional loans only; medians with at least 20 loans.
Georgia counties where First Federal Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Mitchell County | 8 | 3 | 3.1% |
| Terrell County | 12 | 2 | 2.9% |
| Grady County | 16 | 4 | 2.5% |
| Thomas County | 21 | 5 | 1.1% |
| Early County | 24 | 1 | 1.5% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology