First Federal Bank

4,687 mortgages originated in 2025 across 24 states, and what they cost borrowers.

Loans originated

4,687

Median rate

6.250%

Median lender fees

$5,204

Median loan amount

$335,000

Median spread over APOR

-0.130

Paid discount points

31.5%

Received lender credits

47.8%

Purchases / refinances

81.5% / 17.1%

Conventional / FHA / VA

64.7% / 13% / 21.9%

Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 93.9% of loans here — see methodology.

Where First Federal Bank lent

States with at least 50 loans in 2025, ranked by volume.