First Federal Bank Mortgage Rates, Fees & Info

Lake City, FL

LEI: Q708HHR4LD2B7XIZNO92

Tax ID: 59-0969721

3.8 stars - out of 5 stars, based on 114 reviews

Latest/2021 | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

  • SimulatedRates™
  • Bank Data

    Review & Overview

    First Federal Bank is a mid-sized bank specializing in Home Purchase, Cash Out Refi, and Refi loans. First Federal Bank has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Atlanta, Charlotte, Jacksonville, Rochester, and Chicago among others. We have data for 541 markets. (Some data included below & more in-depth data is available with an active subscription.)

    First Federal Bank has an above average approval rate when compared to the average across all lenders. They have an above average pick rate when compared to similar lenders. First Federal Bank is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.


    SimulatedRates™

    Mortgage Type
    Simulated Rate Simulation Date
    30 Year Conventional Purchase 6.84% 11/27/22
    30 Year Conventional Refi 6.83% 11/27/22
    30 Year Cash-out Refi 7.04% 11/27/22
    30 Year FHA Purchase 7.73% 11/27/22
    30 Year FHA Refi 7.56% 11/27/22
    30 Year VA Purchase 7.57% 11/27/22
    30 Year VA Refi 6.45% 11/27/22
    30 Year USDA Purchase 7.26% 11/27/22
    30 Year USDA Refi 6.96% 11/27/22
    15 Year Conventional Purchase 6.08% 11/27/22
    15 Year Conventional Refi 6.12% 11/27/22
    15 Year Cash-out Refi 6.12% 11/27/22
    15 Year FHA Purchase 7.73% 11/27/22
    15 Year FHA Refi 6.77% 11/27/22
    15 Year VA Purchase 6.03% 11/27/22
    15 Year VA Refi 6.09% 11/27/22
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.


    Originations

    13,045

    Origination Dollar Volume (All Markets)

    $3,607,935,000

    Employee count

    773 Show all (27) awards

    Relative Rate

    First Federal Bank's average 30 year fixed mortgage rate was 3.11%.

    The 2021 average 30 year fixed rate mortgage across all markets and lenders was 3.15%.

    This yields a difference of -0.04%.

    Relative Fees (Closing Costs)

    First Federal Bank's average total fees/closing costs for a 30 year fixed rate mortgage were $6,084.

    The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $4,750.

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 2,488 $846,720,000 $340,322 $5,773 2.90%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 911 $234,825,000 $257,766 $4,226 2.90%
    JACKSONVILLE, FL (FHA|USDA|VA) 711 $204,305,000 $287,349 $5,600 3.46%
    Outside of Metro Areas 614 $125,930,000 $205,098 $5,183 3.47%
    ROCHESTER, MN (FHA|USDA|VA) 390 $86,060,000 $220,667 $3,780 2.76%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 337 $83,465,000 $247,671 $3,733 3.10%
    CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 232 $82,270,000 $354,612 $4,398 2.92%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 203 $78,695,000 $387,660 $9,112 3.12%
    MACON-BIBB COUNTY, GA (FHA|USDA|VA) 284 $74,650,000 $262,852 $4,705 3.08%
    Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 190 $65,820,000 $346,421 $4,267 2.81%
    OCALA, FL (FHA|USDA|VA) 307 $63,005,000 $205,228 $4,987 3.40%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 228 $62,680,000 $274,912 $6,743 3.23%
    HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 182 $59,680,000 $327,912 $4,153 3.01%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 147 $57,425,000 $390,646 $9,512 3.05%
    WINSTON-SALEM, NC (FHA|USDA|VA) 162 $45,940,000 $283,580 $7,840 2.86%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 118 $35,980,000 $304,915 $6,749 2.82%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 103 $34,965,000 $339,466 $8,702 3.25%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 110 $32,820,000 $298,364 $7,872 3.55%
    BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 101 $30,875,000 $305,693 $8,461 3.10%
    Lake City, FL (FHA|USDA|VA) 136 $28,170,000 $207,132 $5,461 3.73%
    HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 116 $28,060,000 $241,897 $7,222 2.94%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 88 $27,030,000 $307,159 $6,946 3.78%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 108 $25,290,000 $234,167 $3,937 2.83%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 85 $24,055,000 $283,000 $7,955 2.91%
    Manitowoc, WI (FHA|USDA|VA) 145 $22,565,000 $155,621 $2,274 2.95%
    PANAMA CITY, FL (FHA|USDA|VA) 86 $21,620,000 $251,395 $6,210 3.70%
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 95 $21,255,000 $223,737 $2,973 3.05%
    NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) 63 $21,165,000 $335,952 $8,820 3.15%
    RALEIGH-CARY, NC (FHA|USDA|VA) 71 $20,175,000 $284,155 $6,640 3.04%
    GAINESVILLE, FL (FHA|USDA|VA) 77 $18,945,000 $246,039 $5,944 3.93%
    LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 57 $18,415,000 $323,070 $9,783 3.16%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 68 $18,240,000 $268,235 $6,752 3.18%
    WAUSAU-WESTON, WI (FHA|USDA|VA) 110 $17,620,000 $160,182 $1,973 2.89%
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 63 $17,415,000 $276,429 $7,179 3.31%
    RICHMOND, VA (FHA|USDA|VA) 55 $15,495,000 $281,727 $5,809 2.86%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 47 $15,485,000 $329,468 $7,510 3.07%
    ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 54 $14,680,000 $271,852 $5,729 3.03%
    GAINESVILLE, GA (FHA|USDA|VA) 47 $14,575,000 $310,106 $6,345 2.94%
    GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 45 $13,775,000 $306,111 $5,152 3.05%
    COLUMBIA, SC (FHA|USDA|VA) 58 $13,660,000 $235,517 $6,262 3.04%
    Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 33 $13,355,000 $404,697 $11,264 3.12%
    WORCESTER, MA-CT (FHA|USDA|VA) 45 $13,265,000 $294,778 $6,125 2.82%
    BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 41 $13,185,000 $321,585 $4,474 3.08%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 53 $13,165,000 $248,396 $6,346 3.48%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 27 $12,675,000 $469,444 $10,147 2.85%
    PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 42 $11,920,000 $283,810 $6,439 2.81%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 30 $11,720,000 $390,667 $10,068 3.08%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 44 $11,680,000 $265,455 $5,742 2.96%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 31 $11,405,000 $367,903 $9,034 2.94%
    PITTSBURGH, PA (FHA|USDA|VA) 46 $11,230,000 $244,130 $5,499 3.17%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 42 $11,100,000 $264,286 $4,599 2.85%
    Stevens Point, WI (FHA|USDA|VA) 64 $10,690,000 $167,031 $1,911 2.93%
    GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 58 $10,690,000 $184,310 $5,356 2.99%
    CINCINNATI, OH-KY-IN (FHA|USDA|VA) 49 $10,435,000 $212,959 $5,828 3.15%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 40 $10,280,000 $257,000 $4,735 2.90%
    Wisconsin Rapids-Marshfield, WI (FHA|USDA|VA) 76 $9,910,000 $130,395 $1,897 3.02%
    COLUMBUS, OH (FHA|USDA|VA) 30 $9,680,000 $322,667 $8,827 3.22%
    COLUMBUS, GA-AL (FHA|USDA|VA) 45 $9,605,000 $213,444 $4,869 2.87%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 36 $9,410,000 $261,389 $7,817 3.34%
    BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 27 $9,295,000 $344,259 $5,823 2.92%
    AUBURN-OPELIKA, AL (FHA|USDA|VA) 40 $9,210,000 $230,250 $5,248 2.86%
    CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 46 $9,110,000 $198,043 $5,656 3.25%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 19 $9,085,000 $478,158 $12,901 2.93%
    HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 37 $8,615,000 $232,838 $4,658 2.90%
    SALT LAKE CITY, UT (FHA|USDA|VA) 21 $8,155,000 $388,333 $12,907 3.28%
    WARNER ROBINS, GA (FHA|USDA|VA) 35 $8,025,000 $229,286 $5,426 3.08%
    AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 31 $7,925,000 $255,645 $6,534 3.90%
    HUNTSVILLE, AL (FHA|USDA|VA) 26 $7,910,000 $304,231 $7,554 3.20%
    St. Marys, GA (FHA|USDA|VA) 33 $7,545,000 $228,636 $6,400 2.91%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 35 $7,355,000 $210,143 $6,915 3.16%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 30 $7,000,000 $233,333 $6,452 3.04%
    SPRINGFIELD, MA (FHA|USDA|VA) 27 $6,955,000 $257,593 $4,802 2.98%
    BRUNSWICK, GA (FHA|USDA|VA) 23 $6,835,000 $297,174 $6,348 3.05%
    KNOXVILLE, TN (FHA|USDA|VA) 25 $6,765,000 $270,600 $6,839 3.01%
    San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 14 $6,720,000 $480,000 $14,889 2.96%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 17 $6,705,000 $394,412 $8,128 2.74%
    SAVANNAH, GA (FHA|USDA|VA) 26 $6,600,000 $253,846 $6,546 3.18%
    Jefferson, GA (FHA|USDA|VA) 21 $6,595,000 $314,048 $6,544 3.12%
    ST. LOUIS, MO-IL (FHA|USDA|VA) 27 $6,495,000 $240,556 $6,122 3.05%
    Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 29 $6,475,000 $223,276 $6,881 2.96%
    Key West, FL (FHA|USDA|VA) 9 $6,475,000 $719,444 $9,544 3.15%
    MEMPHIS, TN-MS-AR (FHA|USDA|VA) 26 $6,430,000 $247,308 $6,309 3.05%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 18 $6,410,000 $356,111 $6,682 3.17%
    ASHEVILLE, NC (FHA|USDA|VA) 23 $6,385,000 $277,609 $6,032 3.02%
    PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 19 $6,215,000 $327,105 $9,685 3.25%
    Red Wing, MN (FHA|USDA|VA) 27 $6,105,000 $226,111 $3,814 2.81%
    SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 15 $6,045,000 $403,000 $9,051 3.51%
    Watertown-Fort Atkinson, WI (FHA|USDA|VA) 33 $5,895,000 $178,636 $1,594 2.99%
    COLORADO SPRINGS, CO (FHA|USDA|VA) 14 $5,840,000 $417,143 $11,629 3.02%
    TALLAHASSEE, FL (FHA|USDA|VA) 24 $5,710,000 $237,917 $4,828 3.61%
    NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 23 $5,685,000 $247,174 $4,945 3.07%
    PORT ST. LUCIE, FL (FHA|USDA|VA) 19 $5,565,000 $292,895 $6,723 3.14%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 22 $5,440,000 $247,273 $6,530 3.68%
    GREEN BAY, WI (FHA|USDA|VA) 24 $5,230,000 $217,917 $2,557 2.98%
    ROCKFORD, IL (FHA|USDA|VA) 35 $4,895,000 $139,857 $2,842 2.95%
    WILMINGTON, NC (FHA|USDA|VA) 13 $4,785,000 $368,077 $8,674 3.10%
    MADISON, WI (FHA|USDA|VA) 21 $4,745,000 $225,952 $2,800 2.80%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 16 $4,630,000 $289,375 $4,516 2.81%
    OKLAHOMA CITY, OK (FHA|USDA|VA) 19 $4,565,000 $240,263 $5,265 2.85%
    WINCHESTER, VA-WV (FHA|USDA|VA) 17 $4,265,000 $250,882 $5,892 3.15%
    MANCHESTER-NASHUA, NH (FHA|USDA|VA) 15 $4,155,000 $277,000 $6,831 2.55%
    PUNTA GORDA, FL (FHA|USDA|VA) 16 $4,060,000 $253,750 $7,004 3.49%
    ALBUQUERQUE, NM (FHA|USDA|VA) 15 $4,025,000 $268,333 $7,232 3.19%
    POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 11 $3,995,000 $363,182 $7,911 2.89%
    SPARTANBURG, SC (FHA|USDA|VA) 14 $3,980,000 $284,286 $5,270 2.99%
    PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 14 $3,980,000 $284,286 $5,034 2.99%
    LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) 18 $3,870,000 $215,000 $6,109 3.42%
    ALTOONA, PA (FHA|USDA|VA) 20 $3,810,000 $190,500 $6,761 3.04%
    FAYETTEVILLE, NC (FHA|USDA|VA) 14 $3,720,000 $265,714 $7,521 3.27%
    STOCKTON, CA (FHA|USDA|VA) 10 $3,590,000 $359,000 $12,408 3.08%
    Wooster, OH (FHA|USDA|VA) 19 $3,575,000 $188,158 $4,985 3.13%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 14 $3,390,000 $242,143 $5,349 2.84%
    BARNSTABLE TOWN, MA (FHA|USDA|VA) 11 $3,355,000 $305,000 $4,254 2.76%
    EL PASO, TX (FHA|USDA|VA) 18 $3,320,000 $184,444 $5,058 3.17%
    ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 13 $3,285,000 $252,692 $7,067 3.54%
    BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 17 $3,255,000 $191,471 $4,833 3.07%
    VALLEJO, CA (FHA|USDA|VA) 9 $3,205,000 $356,111 $7,437 3.01%
    NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 11 $3,135,000 $285,000 $7,358 2.93%
    DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 11 $3,125,000 $284,091 $5,948 3.07%
    CLARKSVILLE, TN-KY (FHA|USDA|VA) 14 $3,090,000 $220,714 $6,047 2.86%
    APPLETON, WI (FHA|USDA|VA) 18 $3,080,000 $171,111 $2,032 2.64%
    BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 15 $3,065,000 $204,333 $6,509 3.26%
    Beaver Dam, WI (FHA|USDA|VA) 17 $3,065,000 $180,294 $2,449 2.93%
    AKRON, OH (FHA|USDA|VA) 16 $3,020,000 $188,750 $5,717 3.07%
    DAYTON-KETTERING, OH (FHA|USDA|VA) 14 $2,980,000 $212,857 $5,825 2.90%
    SHEBOYGAN, WI (FHA|USDA|VA) 13 $2,965,000 $228,077 $2,067 3.09%
    TUCSON, AZ (FHA|USDA|VA) 11 $2,945,000 $267,727 $8,971 3.07%
    BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 8 $2,880,000 $360,000 $9,599 2.80%
    Torrington, CT (FHA|USDA|VA) 9 $2,865,000 $318,333 $6,253 3.10%
    ROME, GA (FHA|USDA|VA) 8 $2,860,000 $357,500 $5,232 3.39%
    LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 13 $2,805,000 $215,769 $5,201 3.03%
    HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 13 $2,745,000 $211,154 $5,852 3.13%
    THE VILLAGES, FL (FHA|USDA|VA) 10 $2,730,000 $273,000 $5,373 3.55%
    LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) 17 $2,715,000 $159,706 $3,236 2.93%
    Palatka, FL (FHA|USDA|VA) 15 $2,645,000 $176,333 $6,302 4.33%
    SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 9 $2,575,000 $286,111 $12,078 3.08%
    OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 7 $2,545,000 $363,571 $13,196 2.75%
    Milledgeville, GA (FHA|USDA|VA) 11 $2,525,000 $229,545 $3,244 3.05%
    OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 11 $2,495,000 $226,818 $7,508 3.25%
    MOBILE, AL (FHA|USDA|VA) 13 $2,495,000 $191,923 $5,058 3.13%
    CHARLOTTESVILLE, VA (FHA|USDA|VA) 9 $2,485,000 $276,111 $8,585 2.90%
    NORWICH-NEW LONDON, CT (FHA|USDA|VA) 7 $2,445,000 $349,286 $9,512 2.70%
    MANKATO, MN (FHA|USDA|VA) 10 $2,430,000 $243,000 $4,410 2.76%
    SALISBURY, MD-DE (FHA|USDA|VA) 9 $2,355,000 $261,667 $8,752 2.93%
    BOISE CITY, ID (FHA|USDA|VA) 7 $2,305,000 $329,286 $11,211 2.96%
    DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 11 $2,285,000 $207,727 $5,218 3.03%
    ROANOKE, VA (FHA|USDA|VA) 9 $2,265,000 $251,667 $4,954 3.07%
    CHATTANOOGA, TN-GA (FHA|USDA|VA) 11 $2,235,000 $203,182 $5,638 3.28%
    TULSA, OK (FHA|USDA|VA) 7 $2,215,000 $316,429 $10,762 3.77%
    Cullowhee, NC (FHA|USDA|VA) 6 $2,200,000 $366,667 $7,902 3.15%
    FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 11 $2,165,000 $196,818 $5,856 3.01%
    CHEYENNE, WY (FHA|USDA|VA) 7 $2,155,000 $307,857 $12,209 3.21%
    FRESNO, CA (FHA|USDA|VA) 5 $2,115,000 $423,000 $9,441 3.72%
    RAPID CITY, SD (FHA|USDA|VA) 11 $2,065,000 $187,727 $3,303 2.91%
    PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 5 $2,055,000 $411,000 $11,051 3.18%
    DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 9 $2,055,000 $228,333 $9,733 3.76%
    ANCHORAGE, AK (FHA|USDA|VA) 7 $2,035,000 $290,714 $10,457 3.07%
    SUMTER, SC (FHA|USDA|VA) 9 $2,035,000 $226,111 $6,017 2.81%
    DECATUR, AL (FHA|USDA|VA) 12 $2,020,000 $168,333 $5,983 2.96%
    Winona, MN (FHA|USDA|VA) 11 $2,015,000 $183,182 $3,436 2.81%
    FOND DU LAC, WI (FHA|USDA|VA) 14 $1,980,000 $141,429 $1,988 3.06%
    LANSING-EAST LANSING, MI (FHA|USDA|VA) 10 $1,950,000 $195,000 $6,862 2.83%
    OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 4 $1,910,000 $477,500 $15,554 2.94%
    LYNCHBURG, VA (FHA|USDA|VA) 8 $1,900,000 $237,500 $6,468 2.92%
    Austin, MN (FHA|USDA|VA) 12 $1,860,000 $155,000 $3,366 2.70%
    Rochelle, IL (FHA|USDA|VA) 12 $1,840,000 $153,333 $3,068 2.98%
    EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 5 $1,815,000 $363,000 $8,162 2.93%
    CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) 5 $1,805,000 $361,000 $8,425 3.13%
    RENO, NV (FHA|USDA|VA) 4 $1,780,000 $445,000 $15,206 2.91%
    READING, PA (FHA|USDA|VA) 7 $1,745,000 $249,286 $6,204 3.57%
    BEND, OR (FHA|USDA|VA) 4 $1,740,000 $435,000 $9,174 3.22%
    JACKSONVILLE, NC (FHA|USDA|VA) 7 $1,715,000 $245,000 $3,943 3.48%
    RACINE, WI (FHA|USDA|VA) 12 $1,710,000 $142,500 $2,772 3.19%
    MONTGOMERY, AL (FHA|USDA|VA) 6 $1,670,000 $278,333 $5,594 3.69%
    URBAN HONOLULU, HI (FHA|USDA|VA) 5 $1,665,000 $333,000 $12,396 3.18%
    HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 10 $1,660,000 $166,000 $5,281 3.75%
    Ottawa, IL (FHA|USDA|VA) 10 $1,650,000 $165,000 $2,308 2.91%
    EAU CLAIRE, WI (FHA|USDA|VA) 8 $1,630,000 $203,750 $3,693 2.92%
    LaGrange, GA-AL (FHA|USDA|VA) 8 $1,630,000 $203,750 $6,383 3.03%
    Shelby, NC (FHA|USDA|VA) 10 $1,620,000 $162,000 $3,638 2.80%
    Lebanon, NH-VT (FHA|USDA|VA) 7 $1,605,000 $229,286 $6,246 2.75%
    Morehead City, NC (FHA|USDA|VA) 4 $1,600,000 $400,000 $6,382 2.78%
    PROVO-OREM, UT (FHA|USDA|VA) 4 $1,590,000 $397,500 $15,100 2.88%
    WICHITA, KS (FHA|USDA|VA) 6 $1,580,000 $263,333 $8,870 4.43%
    GULFPORT-BILOXI, MS (FHA|USDA|VA) 7 $1,565,000 $223,571 $9,291 3.45%
    Outside of Metro Areas 5 $1,545,000 $309,000 $11,155 2.93%
    CANTON-MASSILLON, OH (FHA|USDA|VA) 6 $1,530,000 $255,000 $4,633 2.98%
    YORK-HANOVER, PA (FHA|USDA|VA) 7 $1,525,000 $217,857 $9,865 3.02%
    LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 5 $1,515,000 $303,000 $4,821 3.38%
    JACKSON, MI (FHA|USDA|VA) 12 $1,510,000 $125,833 $3,743 3.33%
    Albemarle, NC (FHA|USDA|VA) 7 $1,495,000 $213,571 $3,830 3.02%
    PUEBLO, CO (FHA|USDA|VA) 5 $1,485,000 $297,000 $8,179 3.77%
    ROCHESTER, NY (FHA|USDA|VA) 9 $1,475,000 $163,889 $7,360 3.46%
    LINCOLN, NE (FHA|USDA|VA) 6 $1,470,000 $245,000 $2,613 2.79%
    SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 4 $1,430,000 $357,500 $4,739 2.53%
    Sebastian-Vero Beach, FL (FHA|USDA|VA) 5 $1,405,000 $281,000 $7,129 2.75%
    SALEM, OR (FHA|USDA|VA) 4 $1,400,000 $350,000 $12,327 3.31%
    Calhoun, GA (FHA|USDA|VA) 5 $1,385,000 $277,000 $5,130 2.98%
    Georgetown, SC (FHA|USDA|VA) 5 $1,385,000 $277,000 $3,399 3.30%
    HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 5 $1,375,000 $275,000 $6,363 3.37%
    Boone, NC (FHA|USDA|VA) 4 $1,360,000 $340,000 $5,469 2.88%
    Crossville, TN (FHA|USDA|VA) 5 $1,345,000 $269,000 $7,820 3.88%
    BOULDER, CO (FHA|USDA|VA) 4 $1,340,000 $335,000 $4,515 2.91%
    OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 3 $1,335,000 $445,000 $16,791 2.83%
    OSHKOSH-NEENAH, WI (FHA|USDA|VA) 6 $1,330,000 $221,667 $2,649 2.85%
    LONGVIEW, WA (FHA|USDA|VA) 5 $1,305,000 $261,000 $10,442 3.25%
    TOLEDO, OH (FHA|USDA|VA) 7 $1,285,000 $183,571 $4,553 3.73%
    Shelton, WA (FHA|USDA|VA) 3 $1,285,000 $428,333 $8,064 3.87%
    BATON ROUGE, LA (FHA|USDA|VA) 5 $1,285,000 $257,000 $6,226 2.80%
    ST. GEORGE, UT (FHA|USDA|VA) 4 $1,260,000 $315,000 $10,720 2.88%
    SYRACUSE, NY (FHA|USDA|VA) 8 $1,200,000 $150,000 $6,330 2.89%
    Jesup, GA (FHA|USDA|VA) 6 $1,200,000 $200,000 $5,762 3.42%
    GREELEY, CO (FHA|USDA|VA) 4 $1,160,000 $290,000 $6,395 2.88%
    Sevierville, TN (FHA|USDA|VA) 3 $1,155,000 $385,000 $12,729 3.13%
    Kill Devil Hills, NC (FHA|USDA|VA) 4 $1,130,000 $282,500 $5,334 3.47%
    LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 5 $1,125,000 $225,000 $8,890 2.98%
    Greenville, MS (FHA|USDA|VA) 4 $1,120,000 $280,000 $7,505 3.09%
    CHICO, CA (FHA|USDA|VA) 3 $1,115,000 $371,667 $12,633 2.63%
    Vineyard Haven, MA (FHA|USDA|VA) 2 $1,090,000 $545,000 $19,365 3.31%
    PITTSFIELD, MA (FHA|USDA|VA) 5 $1,085,000 $217,000 $4,109 2.73%
    YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 5 $1,085,000 $217,000 $7,174 2.98%
    DULUTH, MN-WI (FHA|USDA|VA) 4 $1,080,000 $270,000 $5,324 2.59%
    GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 5 $1,065,000 $213,000 $11,433 2.73%
    KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) 2 $1,060,000 $530,000 $18,684 2.75%
    BAKERSFIELD, CA (FHA|USDA|VA) 4 $1,060,000 $265,000 $4,974 2.72%
    SALINAS, CA (FHA|USDA|VA) 3 $1,055,000 $351,667 $5,719 2.92%
    Pinehurst-Southern Pines, NC (FHA|USDA|VA) 3 $1,055,000 $351,667 $6,175 3.00%
    SPRINGFIELD, MO (FHA|USDA|VA) 6 $1,040,000 $173,333 $4,941 2.73%
    MERCED, CA (FHA|USDA|VA) 3 $1,035,000 $345,000 $19,799 3.17%
    LAS CRUCES, NM (FHA|USDA|VA) 5 $1,025,000 $205,000 $9,680 3.03%
    HINESVILLE, GA (FHA|USDA|VA) 5 $1,025,000 $205,000 $5,237 2.78%
    Traverse City, MI (FHA|USDA|VA) 4 $1,010,000 $252,500 $5,202 2.97%
    NEW BERN, NC (FHA|USDA|VA) 3 $1,005,000 $335,000 $6,109 3.33%
    ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 4 $990,000 $247,500 $8,319 3.47%
    SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 4 $990,000 $247,500 $7,426 2.91%
    BILLINGS, MT (FHA|USDA|VA) 3 $975,000 $325,000 $16,284 2.92%
    KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 4 $970,000 $242,500 $6,432 2.81%
    Cedartown, GA (FHA|USDA|VA) 5 $955,000 $191,000 $4,828 4.25%
    Whitewater, WI (FHA|USDA|VA) 6 $940,000 $156,667 $1,629 2.75%
    EAST STROUDSBURG, PA (FHA|USDA|VA) 5 $925,000 $185,000 $7,074 2.75%
    Gardnerville Ranchos, NV (FHA|USDA|VA) 3 $925,000 $308,333 $9,153 2.88%
    Faribault-Northfield, MN (FHA|USDA|VA) 4 $920,000 $230,000 $3,273 2.44%
    OCEAN CITY, NJ (FHA|USDA|VA) 4 $920,000 $230,000 $9,423 2.84%
    Clewiston, FL (FHA|USDA|VA) 4 $900,000 $225,000 $6,635 4.00%
    LANCASTER, PA (FHA|USDA|VA) 4 $890,000 $222,500 $13,753 2.94%
    MODESTO, CA (FHA|USDA|VA) 3 $885,000 $295,000 $4,761 2.71%
    BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) 4 $880,000 $220,000 $6,542 2.81%
    YAKIMA, WA (FHA|USDA|VA) 3 $875,000 $291,667 $8,288 3.83%
    Quincy, IL-MO (FHA|USDA|VA) 5 $875,000 $175,000 $5,499 2.88%
    SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) 3 $875,000 $291,667 $6,420 2.79%
    VALDOSTA, GA (FHA|USDA|VA) 5 $865,000 $173,000 $5,746 3.07%
    ANN ARBOR, MI (FHA|USDA|VA) 4 $860,000 $215,000 $9,943 4.37%
    FLINT, MI (FHA|USDA|VA) 5 $855,000 $171,000 $6,318 3.02%
    CHARLESTON, WV (FHA|USDA|VA) 5 $855,000 $171,000 $4,701 3.13%
    BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) 2 $850,000 $425,000 $9,575 4.25%
    FAIRBANKS, AK (FHA|USDA|VA) 3 $845,000 $281,667 $4,407 2.58%
    LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 4 $840,000 $210,000 $7,023 3.28%
    ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 4 $810,000 $202,500 $3,424 3.65%
    DOTHAN, AL (FHA|USDA|VA) 4 $810,000 $202,500 $3,150 2.97%
    FLORENCE, SC (FHA|USDA|VA) 4 $810,000 $202,500 $5,852 3.13%
    SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 4 $810,000 $202,500 $5,041 3.50%
    SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 1 $805,000 $805,000 $22,428 2.88%
    Centralia, WA (FHA|USDA|VA) 3 $795,000 $265,000 $7,380 3.00%
    Breckenridge, CO (FHA|USDA|VA) 1 $785,000 $785,000 $3,303 3.00%
    Toccoa, GA (FHA|USDA|VA) 2 $780,000 $390,000 $3,351 3.06%
    LEBANON, PA (FHA|USDA|VA) 3 $775,000 $258,333 $10,065 3.08%
    Augusta-Waterville, ME (FHA|USDA|VA) 2 $770,000 $385,000 $5,944 4.18%
    COLUMBIA, MO (FHA|USDA|VA) 3 $755,000 $251,667 $5,651 2.58%
    Greenwood, MS (FHA|USDA|VA) 2 $750,000 $375,000 $7,160 3.00%
    ST. JOSEPH, MO-KS (FHA|USDA|VA) 4 $740,000 $185,000 $4,398 3.00%
    FORT SMITH, AR-OK (FHA|USDA|VA) 3 $735,000 $245,000 $7,708 2.92%
    MISSOULA, MT (FHA|USDA|VA) 2 $730,000 $365,000 $15,706 3.13%
    Frankfort, KY (FHA|USDA|VA) 4 $730,000 $182,500 $5,048 2.88%
    LEWISTON-AUBURN, ME (FHA|USDA|VA) 4 $720,000 $180,000 $3,678 3.53%
    DALTON, GA (FHA|USDA|VA) 4 $700,000 $175,000 $8,130 2.75%
    SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 1 $675,000 $675,000 $6,810 3.13%
    ALEXANDRIA, LA (FHA|USDA|VA) 2 $670,000 $335,000 $2,304 4.37%
    Barre, VT (FHA|USDA|VA) 2 $670,000 $335,000 $5,104 2.43%
    Fairmont, MN (FHA|USDA|VA) 3 $665,000 $221,667 $3,577 2.63%
    JOHNSTOWN, PA (FHA|USDA|VA) 5 $655,000 $131,000 $4,349 3.37%
    TUSCALOOSA, AL (FHA|USDA|VA) 3 $655,000 $218,333 $4,165 2.41%
    WHEELING, WV-OH (FHA|USDA|VA) 4 $650,000 $162,500 $4,243 2.91%
    Dixon, IL (FHA|USDA|VA) 4 $650,000 $162,500 $2,244 2.69%
    Hutchinson, MN (FHA|USDA|VA) 3 $645,000 $215,000 $3,347 2.88%
    HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 3 $645,000 $215,000 $7,120 3.87%
    EVANSVILLE, IN-KY (FHA|USDA|VA) 3 $645,000 $215,000 $6,366 4.04%
    Dublin, GA (FHA|USDA|VA) 4 $640,000 $160,000 $4,439 4.00%
    POCATELLO, ID (FHA|USDA|VA) 2 $640,000 $320,000 $9,288 2.75%
    Plattsburgh, NY (FHA|USDA|VA) 3 $635,000 $211,667 $5,847 2.83%
    Alexander City, AL (FHA|USDA|VA) 3 $635,000 $211,667 $2,643 4.25%
    CORPUS CHRISTI, TX (FHA|USDA|VA) 2 $630,000 $315,000 $5,283 3.00%
    MANHATTAN, KS (FHA|USDA|VA) 2 $630,000 $315,000 $3,350 2.75%
    Cornelia, GA (FHA|USDA|VA) 3 $625,000 $208,333 $3,581 3.08%
    SPRINGFIELD, IL (FHA|USDA|VA) 3 $625,000 $208,333 $9,251 2.75%
    GREAT FALLS, MT (FHA|USDA|VA) 3 $625,000 $208,333 $4,933 4.46%
    MADERA, CA (FHA|USDA|VA) 3 $625,000 $208,333 $6,080 3.04%
    Albertville, AL (FHA|USDA|VA) 5 $625,000 $125,000 $4,354 2.70%
    Ashland, OH (FHA|USDA|VA) 4 $620,000 $155,000 $4,719 3.19%
    Clovis, NM (FHA|USDA|VA) 2 $620,000 $310,000 $6,738 3.25%
    ANNISTON-OXFORD, AL (FHA|USDA|VA) 2 $610,000 $305,000 $2,981 2.94%
    ROCKY MOUNT, NC (FHA|USDA|VA) 2 $610,000 $305,000 $8,559 3.00%
    Martin, TN (FHA|USDA|VA) 3 $605,000 $201,667 $7,073 2.63%
    Elizabeth City, NC (FHA|USDA|VA) 2 $600,000 $300,000 $9,936 2.56%
    SANTA FE, NM (FHA|USDA|VA) 2 $600,000 $300,000 $7,642 3.00%
    Seneca, SC (FHA|USDA|VA) 2 $590,000 $295,000 $2,861 2.75%
    TRENTON-PRINCETON, NJ (FHA|USDA|VA) 2 $590,000 $295,000 $7,996 3.00%
    JACKSON, MS (FHA|USDA|VA) 2 $590,000 $295,000 $9,720 2.81%
    Concord, NH (FHA|USDA|VA) 3 $585,000 $195,000 $5,527 2.88%
    Pahrump, NV (FHA|USDA|VA) 2 $580,000 $290,000 $11,014 4.75%
    Tifton, GA (FHA|USDA|VA) 4 $580,000 $145,000 $4,127 3.09%
    Port Angeles, WA (FHA|USDA|VA) 2 $580,000 $290,000 $3,228 3.25%
    Spirit Lake, IA (FHA|USDA|VA) 2 $570,000 $285,000 $7,752 4.37%
    Wauchula, FL (FHA|USDA|VA) 2 $570,000 $285,000 $9,126 3.44%
    Summerville, GA (FHA|USDA|VA) 3 $565,000 $188,333 $3,963 2.96%
    LAWRENCE, KS (FHA|USDA|VA) 2 $560,000 $280,000 $5,285 4.37%
    Oxford, MS (FHA|USDA|VA) 2 $560,000 $280,000 $3,546 2.94%
    SEBRING-AVON PARK, FL (FHA|USDA|VA) 3 $555,000 $185,000 $8,814 2.46%
    MANSFIELD, OH (FHA|USDA|VA) 3 $555,000 $185,000 $5,379 3.08%
    Newport, TN (FHA|USDA|VA) 2 $550,000 $275,000 $12,970 2.75%
    Statesboro, GA (FHA|USDA|VA) 4 $550,000 $137,500 $3,546 4.09%
    Mason City, IA (FHA|USDA|VA) 3 $545,000 $181,667 $3,311 2.75%
    KINGSTON, NY (FHA|USDA|VA) 2 $540,000 $270,000 $3,190 2.44%
    Gaffney, SC (FHA|USDA|VA) 3 $535,000 $178,333 $6,722 2.71%
    LAWTON, OK (FHA|USDA|VA) 4 $530,000 $132,500 $4,189 4.15%
    JANESVILLE-BELOIT, WI (FHA|USDA|VA) 4 $520,000 $130,000 $5,307 4.15%
    Cullman, AL (FHA|USDA|VA) 2 $520,000 $260,000 $3,736 3.19%
    BANGOR, ME (FHA|USDA|VA) 3 $515,000 $171,667 $7,427 2.88%
    Enterprise, AL (FHA|USDA|VA) 2 $510,000 $255,000 $3,028 2.75%
    New Castle, IN (FHA|USDA|VA) 3 $505,000 $168,333 $4,999 3.75%
    Easton, MD (FHA|USDA|VA) 2 $500,000 $250,000 $5,286 3.25%
    Martinsville, VA (FHA|USDA|VA) 2 $500,000 $250,000 $3,733 3.43%
    Lumberton, NC (FHA|USDA|VA) 3 $495,000 $165,000 $6,767 2.75%
    UTICA-ROME, NY (FHA|USDA|VA) 3 $495,000 $165,000 $5,880 3.13%
    GREENVILLE, NC (FHA|USDA|VA) 1 $495,000 $495,000 $14,895 2.75%
    Shawano, WI (FHA|USDA|VA) 4 $490,000 $122,500 $1,954 2.81%
    Henderson, NC (FHA|USDA|VA) 2 $490,000 $245,000 $9,429 2.88%
    Paris, TX (FHA|USDA|VA) 1 $485,000 $485,000 $3,830 2.75%
    Marion, NC (FHA|USDA|VA) 1 $485,000 $485,000 $4,184 3.25%
    HARRISONBURG, VA (FHA|USDA|VA) 2 $480,000 $240,000 $12,438 4.06%
    ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 3 $475,000 $158,333 $5,560 3.46%
    Clarksburg, WV (FHA|USDA|VA) 3 $465,000 $155,000 $5,788 2.88%
    GOLDSBORO, NC (FHA|USDA|VA) 3 $465,000 $155,000 $4,454 2.92%
    Aberdeen, WA (FHA|USDA|VA) 2 $460,000 $230,000 $7,216 3.06%
    BECKLEY, WV (FHA|USDA|VA) 2 $460,000 $230,000 $5,283 2.44%
    Fernley, NV (FHA|USDA|VA) 2 $460,000 $230,000 $7,254 3.31%
    Owatonna, MN (FHA|USDA|VA) 3 $455,000 $151,667 $3,329 2.83%
    Keene, NH (FHA|USDA|VA) 3 $455,000 $151,667 $2,609 2.92%
    BELLINGHAM, WA (FHA|USDA|VA) 2 $450,000 $225,000 $5,564 3.00%
    ALBANY, GA (FHA|USDA|VA) 2 $450,000 $225,000 $7,385 2.56%
    Marinette, WI-MI (FHA|USDA|VA) 3 $445,000 $148,333 $2,198 2.63%
    TOPEKA, KS (FHA|USDA|VA) 2 $440,000 $220,000 $8,205 3.19%
    ELKHART-GOSHEN, IN (FHA|USDA|VA) 2 $440,000 $220,000 $9,589 3.44%
    Grand Rapids, MN (FHA|USDA|VA) 3 $435,000 $145,000 $4,088 2.92%
    Cordele, GA (FHA|USDA|VA) 2 $430,000 $215,000 $2,171 2.75%
    FORT WAYNE, IN (FHA|USDA|VA) 3 $425,000 $141,667 $6,571 3.08%
    VISALIA, CA (FHA|USDA|VA) 3 $425,000 $141,667 $5,144 3.13%
    Durango, CO (FHA|USDA|VA) 1 $425,000 $425,000 $7,174 2.75%
    Okeechobee, FL (FHA|USDA|VA) 2 $420,000 $210,000 $8,255 4.50%
    JEFFERSON CITY, MO (FHA|USDA|VA) 2 $420,000 $210,000 $6,789 3.50%
    Marietta, OH (FHA|USDA|VA) 2 $420,000 $210,000 $11,212 3.38%
    Sidney, OH (FHA|USDA|VA) 2 $420,000 $210,000 $5,673 3.13%
    Show Low, AZ (FHA|USDA|VA) 2 $410,000 $205,000 $4,747 2.88%
    Brainerd, MN (FHA|USDA|VA) 2 $410,000 $205,000 $2,963 2.50%
    Durant, OK (FHA|USDA|VA) 2 $410,000 $205,000 $4,074 2.88%
    CLEVELAND, TN (FHA|USDA|VA) 2 $410,000 $205,000 $6,774 2.69%
    Fort Leonard Wood, MO (FHA|USDA|VA) 2 $400,000 $200,000 $2,616 3.88%
    Roseburg, OR (FHA|USDA|VA) 2 $400,000 $200,000 $3,154 4.25%
    New Philadelphia-Dover, OH (FHA|USDA|VA) 3 $395,000 $131,667 $3,646 2.92%
    Moscow, ID (FHA|USDA|VA) 1 $395,000 $395,000 $7,385 3.88%
    REDDING, CA (FHA|USDA|VA) 1 $395,000 $395,000 $17,107 3.13%
    FORT COLLINS, CO (FHA|USDA|VA) 2 $390,000 $195,000 $6,101 3.06%
    Pottsville, PA (FHA|USDA|VA) 2 $390,000 $195,000 $5,206 2.69%
    JOHNSON CITY, TN (FHA|USDA|VA) 2 $390,000 $195,000 $5,632 3.06%
    Carlsbad-Artesia, NM (FHA|USDA|VA) 1 $385,000 $385,000 $21,837 2.75%
    JACKSON, TN (FHA|USDA|VA) 1 $385,000 $385,000 $11,783 3.00%
    Waycross, GA (FHA|USDA|VA) 2 $380,000 $190,000 $6,746 3.00%
    Lewisburg, PA (FHA|USDA|VA) 2 $380,000 $190,000 $7,494 4.25%
    PARKERSBURG-VIENNA, WV (FHA|USDA|VA) 2 $380,000 $190,000 $10,191 3.44%
    Thomaston, GA (FHA|USDA|VA) 1 $375,000 $375,000 $5,728 2.88%
    Shelbyville, TN (FHA|USDA|VA) 1 $375,000 $375,000 $6,416 2.88%
    Oak Harbor, WA (FHA|USDA|VA) 1 $375,000 $375,000 $6,752 2.88%
    Brevard, NC (FHA|USDA|VA) 1 $375,000 $375,000 $4,964 2.63%
    Tupelo, MS (FHA|USDA|VA) 2 $370,000 $185,000 $3,048 2.81%
    CUMBERLAND, MD-WV (FHA|USDA|VA) 1 $365,000 $365,000 $6,289 3.50%
    Athens, OH (FHA|USDA|VA) 2 $360,000 $180,000 $4,326 2.81%
    North Wilkesboro, NC (FHA|USDA|VA) 3 $355,000 $118,333 $4,660 2.88%
    Corsicana, TX (FHA|USDA|VA) 1 $355,000 $355,000 $8,448 2.75%
    BURLINGTON, NC (FHA|USDA|VA) 2 $350,000 $175,000 $9,921 4.62%
    AMES, IA (FHA|USDA|VA) 1 $345,000 $345,000 $1,703 2.88%
    Fort Payne, AL (FHA|USDA|VA) 1 $345,000 $345,000 $2,867 2.38%
    YUMA, AZ (FHA|USDA|VA) 2 $340,000 $170,000 $5,504 3.19%
    BOWLING GREEN, KY (FHA|USDA|VA) 2 $340,000 $170,000 $6,738 4.12%
    FARMINGTON, NM (FHA|USDA|VA) 2 $340,000 $170,000 $6,697 2.81%
    KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 2 $330,000 $165,000 $7,768 3.44%
    SHERMAN-DENISON, TX (FHA|USDA|VA) 2 $330,000 $165,000 $2,956 2.19%
    FLAGSTAFF, AZ (FHA|USDA|VA) 1 $325,000 $325,000 $6,500 2.75%
    SIOUX FALLS, SD (FHA|USDA|VA) 1 $315,000 $315,000 $4,692 2.63%
    Lawrenceburg, TN (FHA|USDA|VA) 1 $315,000 $315,000 $10,912 5.49%
    Payson, AZ (FHA|USDA|VA) 1 $315,000 $315,000 $3,932 3.63%
    CEDAR RAPIDS, IA (FHA|USDA|VA) 1 $305,000 $305,000 $4,584 2.88%
    KILLEEN-TEMPLE, TX (FHA|USDA|VA) 1 $305,000 $305,000 $5,652 2.88%
    New Castle, PA (FHA|USDA|VA) 2 $300,000 $150,000 $2,873 2.69%
    Wilmington, OH (FHA|USDA|VA) 1 $295,000 $295,000 $1,285 2.75%
    Spearfish, SD (FHA|USDA|VA) 2 $290,000 $145,000 $2,822 2.44%
    Jamestown-Dunkirk-Fredonia, NY (FHA|USDA|VA) 2 $290,000 $145,000 $4,861 3.06%
    ST. CLOUD, MN (FHA|USDA|VA) 1 $285,000 $285,000 $13,973 2.75%
    Sonora, CA (FHA|USDA|VA) 1 $285,000 $285,000 $10,013 2.88%
    LAFAYETTE, LA (FHA|USDA|VA) 2 $280,000 $140,000 $5,604 3.25%
    DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 2 $280,000 $140,000 $8,122 2.94%
    BATTLE CREEK, MI (FHA|USDA|VA) 2 $280,000 $140,000 $5,300 3.06%
    Bozeman, MT (FHA|USDA|VA) 1 $275,000 $275,000 $5,319 3.13%
    MEDFORD, OR (FHA|USDA|VA) 1 $275,000 $275,000 $7,254 2.75%
    Albert Lea, MN (FHA|USDA|VA) 3 $275,000 $91,667 $2,877 2.63%
    WILLIAMSPORT, PA (FHA|USDA|VA) 1 $275,000 $275,000 $7,546 2.75%
    Edwards, CO (FHA|USDA|VA) 1 $275,000 $275,000 $2,477 2.13%
    Vicksburg, MS (FHA|USDA|VA) 1 $265,000 $265,000 $3,407 3.00%
    GADSDEN, AL (FHA|USDA|VA) 1 $265,000 $265,000 $11,960 3.00%
    SPRINGFIELD, OH (FHA|USDA|VA) 1 $265,000 $265,000 $7,977 3.50%
    Forest City, NC (FHA|USDA|VA) 1 $265,000 $265,000 $3,393 2.99%
    Danville, VA (FHA|USDA|VA) 1 $265,000 $265,000 $16,777 2.75%
    PINE BLUFF, AR (FHA|USDA|VA) 2 $260,000 $130,000 $3,539 2.88%
    Fallon, NV (FHA|USDA|VA) 1 $255,000 $255,000 $2,159 2.75%
    COLUMBUS, IN (FHA|USDA|VA) 1 $255,000 $255,000 $2,857 2.88%
    Athens, TN (FHA|USDA|VA) 1 $255,000 $255,000 $2,430 2.13%
    Moses Lake, WA (FHA|USDA|VA) 1 $245,000 $245,000 $3,759 6.49%
    Helena, MT (FHA|USDA|VA) 1 $245,000 $245,000 $7,331 2.88%
    BISMARCK, ND (FHA|USDA|VA) 1 $245,000 $245,000 $602 2.75%
    Vidalia, GA (FHA|USDA|VA) 1 $245,000 $245,000 $4,211 3.25%
    Oil City, PA (FHA|USDA|VA) 1 $245,000 $245,000 $11,409 3.75%
    SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 1 $245,000 $245,000 $2,468 2.75%
    Fairmont, WV (FHA|USDA|VA) 1 $245,000 $245,000 $8,911 2.88%
    Hilo, HI (FHA|USDA|VA) 1 $245,000 $245,000 $12,473 2.88%
    Orangeburg, SC (FHA|USDA|VA) 2 $240,000 $120,000 $4,358 2.43%
    Wabash, IN (FHA|USDA|VA) 1 $235,000 $235,000 $2,262 2.75%
    Mount Vernon, IL (FHA|USDA|VA) 1 $235,000 $235,000 $5,354 3.25%
    Cedar City, UT (FHA|USDA|VA) 1 $235,000 $235,000 $4,692 3.25%
    YUBA CITY, CA (FHA|USDA|VA) 1 $235,000 $235,000 $9,008 2.88%
    CARSON CITY, NV (FHA|USDA|VA) 1 $225,000 $225,000 $7,796 3.25%
    Huntington, IN (FHA|USDA|VA) 1 $225,000 $225,000 $4,656 3.25%
    GRAND JUNCTION, CO (FHA|USDA|VA) 1 $225,000 $225,000 $12,204 5.99%
    BLOOMINGTON, IL (FHA|USDA|VA) 1 $225,000 $225,000 $2,132 3.38%
    ITHACA, NY (FHA|USDA|VA) 1 $225,000 $225,000 $8,768 2.25%
    Union City, TN (FHA|USDA|VA) 2 $220,000 $110,000 $5,944 2.81%
    Kennett, MO (FHA|USDA|VA) 1 $215,000 $215,000 $8,171 3.50%
    Watertown, SD (FHA|USDA|VA) 1 $215,000 $215,000 $4,089 2.25%
    DeRidder, LA (FHA|USDA|VA) 1 $205,000 $205,000 $5,571 2.75%
    Ludington, MI (FHA|USDA|VA) 1 $205,000 $205,000 $4,114 2.88%
    TWIN FALLS, ID (FHA|USDA|VA) 1 $205,000 $205,000 $10,334 2.88%
    Cookeville, TN (FHA|USDA|VA) 1 $205,000 $205,000 $4,346 2.88%
    NILES, MI (FHA|USDA|VA) 1 $205,000 $205,000 $14,264 2.75%
    Sheridan, WY (FHA|USDA|VA) 1 $205,000 $205,000 $15,284 2.50%
    Hobbs, NM (FHA|USDA|VA) 1 $205,000 $205,000 $2,968 2.75%
    Seneca Falls, NY (FHA|USDA|VA) 1 $205,000 $205,000 $14,950 3.63%
    Scottsboro, AL (FHA|USDA|VA) 2 $200,000 $100,000 $3,828 2.75%
    LAKE CHARLES, LA (FHA|USDA|VA) 1 $195,000 $195,000 $7,167 2.88%
    EspaƱola, NM (FHA|USDA|VA) 1 $195,000 $195,000 $2,886 2.13%
    Gillette, WY (FHA|USDA|VA) 1 $195,000 $195,000 $4,340 2.88%
    Marquette, MI (FHA|USDA|VA) 1 $195,000 $195,000 $5,855 2.75%
    Craig, CO (FHA|USDA|VA) 1 $195,000 $195,000 $6,951 3.75%
    MUSKEGON, MI (FHA|USDA|VA) 1 $195,000 $195,000 $7,919 2.75%
    HAMMOND, LA (FHA|USDA|VA) 1 $195,000 $195,000 $10,610 3.75%
    Fergus Falls, MN (FHA|USDA|VA) 1 $185,000 $185,000 $2,164 2.50%
    Laurel, MS (FHA|USDA|VA) 1 $185,000 $185,000 $4,195 3.63%
    Batesville, AR (FHA|USDA|VA) 1 $185,000 $185,000 $1,563 2.75%
    Greenville, OH (FHA|USDA|VA) 1 $185,000 $185,000 $6,949 2.50%
    Warrensburg, MO (FHA|USDA|VA) 1 $185,000 $185,000 $2,778 3.00%
    Kalispell, MT (FHA|USDA|VA) 1 $185,000 $185,000 $7,635 3.50%
    Richmond, IN (FHA|USDA|VA) 1 $185,000 $185,000 $4,550 3.50%
    BAY CITY, MI (FHA|USDA|VA) 1 $185,000 $185,000 $9,734 5.99%
    Holland, MI (FHA|USDA|VA) 1 $175,000 $175,000 $5,408 2.88%
    Berlin, NH (FHA|USDA|VA) 1 $175,000 $175,000 $6,964 2.63%
    London, KY (FHA|USDA|VA) 1 $175,000 $175,000 $8,404 3.00%
    Tullahoma-Manchester, TN (FHA|USDA|VA) 1 $175,000 $175,000 $5,377 2.75%
    FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) 1 $175,000 $175,000 $8,337 2.75%
    Kinston, NC (FHA|USDA|VA) 1 $175,000 $175,000 $5,041 2.25%
    GETTYSBURG, PA (FHA|USDA|VA) 1 $175,000 $175,000 $3,733 3.13%
    Adrian, MI (FHA|USDA|VA) 1 $165,000 $165,000 $10,137 2.75%
    Laconia, NH (FHA|USDA|VA) 1 $165,000 $165,000 $1,791 2.13%
    Greensburg, IN (FHA|USDA|VA) 1 $165,000 $165,000 $7,960 2.75%
    Ottawa, KS (FHA|USDA|VA) 1 $165,000 $165,000 $11,977 2.75%
    Sanford, NC (FHA|USDA|VA) 1 $165,000 $165,000 $4,479 3.00%
    Scottsburg, IN (FHA|USDA|VA) 1 $165,000 $165,000 $6,544 3.63%
    Bellefontaine, OH (FHA|USDA|VA) 1 $165,000 $165,000 $5,121 3.50%
    Ardmore, OK (FHA|USDA|VA) 1 $165,000 $165,000 $6,584 3.50%
    Arcadia, FL (FHA|USDA|VA) 1 $165,000 $165,000 $7,955 2.75%
    Willmar, MN (FHA|USDA|VA) 1 $165,000 $165,000 $4,537 3.00%
    Del Rio, TX (FHA|USDA|VA) 1 $155,000 $155,000 $4,131 2.50%
    Union, SC (FHA|USDA|VA) 1 $155,000 $155,000 $11,733 6.75%
    Baraboo, WI (FHA|USDA|VA) 1 $155,000 $155,000 $10,469 3.00%
    HOUMA-THIBODAUX, LA (FHA|USDA|VA) 1 $155,000 $155,000 $4,453 3.88%
    ALBANY-LEBANON, OR (FHA|USDA|VA) 1 $155,000 $155,000 $1,757 2.75%
    Hermiston-Pendleton, OR (FHA|USDA|VA) 1 $155,000 $155,000 $6,365 2.75%
    Washington, IN (FHA|USDA|VA) 1 $155,000 $155,000 $2,569 2.75%
    Atchison, KS (FHA|USDA|VA) 1 $155,000 $155,000 $10,774 2.75%
    Wapakoneta, OH (FHA|USDA|VA) 1 $155,000 $155,000 $5,216 2.75%
    Elk City, OK (FHA|USDA|VA) 1 $155,000 $155,000 $1,673 2.75%
    DuBois, PA (FHA|USDA|VA) 1 $155,000 $155,000 $6,561 4.99%
    Starkville, MS (FHA|USDA|VA) 1 $145,000 $145,000 $5,034 3.50%
    Sedalia, MO (FHA|USDA|VA) 1 $145,000 $145,000 $4,464 2.25%
    DUBUQUE, IA (FHA|USDA|VA) 1 $145,000 $145,000 $1,407 3.13%
    Pittsburg, KS (FHA|USDA|VA) 1 $145,000 $145,000 $6,064 3.13%
    ERIE, PA (FHA|USDA|VA) 1 $145,000 $145,000 $5,789 2.75%
    Wahpeton, ND-MN (FHA|USDA|VA) 1 $145,000 $145,000 $7,079 3.50%
    MUNCIE, IN (FHA|USDA|VA) 1 $145,000 $145,000 $5,503 2.25%
    Mount Vernon, OH (FHA|USDA|VA) 1 $145,000 $145,000 $5,954 3.13%
    Amsterdam, NY (FHA|USDA|VA) 1 $145,000 $145,000 $4,527 2.25%
    MONROE, MI (FHA|USDA|VA) 1 $145,000 $145,000 $5,791 4.99%
    GRAND ISLAND, NE (FHA|USDA|VA) 1 $145,000 $145,000 $5,383 2.88%
    Platteville, WI (FHA|USDA|VA) 2 $140,000 $70,000 $2,904 2.94%
    Athens, TX (FHA|USDA|VA) 1 $135,000 $135,000 $2,685 2.88%
    Ozark, AL (FHA|USDA|VA) 1 $135,000 $135,000 $1,746 2.75%
    Rutland, VT (FHA|USDA|VA) 1 $135,000 $135,000 $2,934 2.38%
    Searcy, AR (FHA|USDA|VA) 1 $135,000 $135,000 $10,103 3.00%
    Farmington, MO (FHA|USDA|VA) 1 $135,000 $135,000 $1,754 3.13%
    SIOUX CITY, IA-NE-SD (FHA|USDA|VA) 1 $135,000 $135,000 $2,891 2.88%
    Dyersburg, TN (FHA|USDA|VA) 1 $135,000 $135,000 $4,237 2.75%
    Marion, IN (FHA|USDA|VA) 1 $135,000 $135,000 $1,744 2.88%
    WALLA WALLA, WA (FHA|USDA|VA) 1 $125,000 $125,000 $2,156 2.25%
    Morgan City, LA (FHA|USDA|VA) 1 $125,000 $125,000 $5,494 2.75%
    KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 1 $125,000 $125,000 $2,893 2.88%
    Mountain Home, ID (FHA|USDA|VA) 1 $125,000 $125,000 $3,711 2.38%
    Celina, OH (FHA|USDA|VA) 1 $125,000 $125,000 $5,130 3.63%
    Peru, IN (FHA|USDA|VA) 1 $125,000 $125,000 $4,825 2.75%
    MORGANTOWN, WV (FHA|USDA|VA) 1 $125,000 $125,000 $4,975 3.25%
    Sterling, IL (FHA|USDA|VA) 1 $125,000 $125,000 $4,031 2.75%
    Muskogee, OK (FHA|USDA|VA) 1 $125,000 $125,000 $6,946 2.88%
    Findlay, OH (FHA|USDA|VA) 1 $115,000 $115,000 $1,731 2.75%
    Mountain Home, AR (FHA|USDA|VA) 1 $115,000 $115,000 $2,418 2.75%
    IOWA CITY, IA (FHA|USDA|VA) 1 $115,000 $115,000 $5,241 3.38%
    Moultrie, GA (FHA|USDA|VA) 1 $115,000 $115,000 $4,420 3.00%
    Newport, OR (FHA|USDA|VA) 1 $115,000 $115,000 $3,792 2.38%
    FARGO, ND-MN (FHA|USDA|VA) 1 $115,000 $115,000 $5,270 3.38%
    CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 1 $105,000 $105,000 $4,658 2.25%
    Burlington, IA-IL (FHA|USDA|VA) 1 $105,000 $105,000 $5,689 2.38%
    St. Marys, PA (FHA|USDA|VA) 1 $105,000 $105,000 $3,241 3.38%
    Fort Madison-Keokuk, IA-IL-MO (FHA|USDA|VA) 1 $95,000 $95,000 $4,635 2.88%
    MIDLAND, MI (FHA|USDA|VA) 1 $95,000 $95,000 $0 4.25%
    CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 1 $95,000 $95,000 $2,686 4.13%
    GRAND FORKS, ND-MN (FHA|USDA|VA) 1 $85,000 $85,000 $1,724 3.00%
    Sandusky, OH (FHA|USDA|VA) 1 $65,000 $65,000 $2,293 3.75%
    TERRE HAUTE, IN (FHA|USDA|VA) 1 $55,000 $55,000 $2,125 2.88%
    First Federal Bank's top markets include Atlanta, Charlotte, Jacksonville, Rochester, and Chicago among others.

    Their top states include:
  • Georgia (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • South Carolina (FHA|USDA|VA)
  • North Carolina (FHA|USDA|VA)
  • Wisconsin (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 9,703 $2,703,285,000 $278,603 $4,701 3.01%
    VA 2,252 $652,360,000 $289,680 $8,675 3.21%
    FHA 1,032 $241,460,000 $233,973 $8,273 3.42%
    USDA 58 $10,830,000 $186,724 $5,873 3.06%

    For 2021, First Federal Bank's most frequently originated type of loan was Conventional, with 9,703 originations. Their 2nd most popular type was VA, with 2,252 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 5,431 $1,586,095,000 $292,045 $5,718 3.23%
    Cash Out Refi 3,793 $1,032,475,000 $272,205 $7,431 3.17%
    Refi 3,730 $969,250,000 $259,853 $3,937 2.78%
    Other 69 $16,425,000 $238,043 $4,328 3.20%
    Home Improvement 22 $3,690,000 $167,727 $4,097 3.18%

    For 2021, First Federal Bank's most frequently cited loan purpose was Home Purchase, with 5,431 originations. The 2nd most popular reason was Cash Out Refi, with 3,793 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 10,080 $2,897,440,000 $287,444 $6,084 3.11%
    15 Year 1,835 $415,875,000 $226,635 $3,825 2.46%
    20 Year 532 $125,570,000 $236,034 $4,055 3.08%
    30+ year 350 $105,500,000 $301,429 $7,475 5.51%
    Other 139 $42,175,000 $303,417 $5,386 3.29%
    10 Year 107 $21,245,000 $198,551 $3,706 2.57%
    1 Year 1 $75,000 $75,000 $0 4.25%
    5 Year 1 $55,000 $55,000 $0 4.75%

    For 2021, First Federal Bank's most frequently cited loan duration was 30 Year, with 10,080 originations. The 2nd most popular length was 15 Year, with 1,835 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 4,488 $1,174,480,000 $261,693
    $1k-2k 2,992 $769,310,000 $257,122
    $5k+ 2,031 $759,065,000 $373,740
    $2k-3k 1,602 $393,770,000 $245,799
    $3k-4k 915 $246,735,000 $269,656
    $4k-5k 743 $204,005,000 $274,569

    First Federal Bank's average total fees were $6,084, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 4,488 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 6,448 $1,855,740,000 $287,801
    3-4% 3,870 $1,032,150,000 $266,705
    <2.5% 1,859 $473,685,000 $254,806
    5-6% 425 $138,375,000 $325,588
    4-5% 248 $62,830,000 $253,347
    6-7% 185 $43,925,000 $237,432
    7-8% 10 $1,230,000 $123,000

    During 2021, First Federal Bank's average interest rate for loans was 3.11%, while their most frequently originated rate bucket for loans was 2.5-3%, with 6,448 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 6,429 $1,840,435,000 $286,271 $6,003 3.09%
    $100k-200k 3,836 $590,870,000 $154,033 $4,166 3.07%
    $400k-600k 2,014 $967,470,000 $480,372 $7,523 3.04%
    $100,000 or less 545 $43,305,000 $79,459 $2,894 3.19%
    $600k-1MM 200 $140,660,000 $703,300 $12,957 3.27%
    $1MM+ 21 $25,195,000 $1,199,762 $11,929 3.21%

    2021 saw First Federal Bank place emphasis on $200k-400k loans with 6,429 originations, totaling $1,840,435,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 2,983 $910,715,000 $305,302 $6,061 3.11%
    $50k-75k 2,839 $610,845,000 $215,162 $5,644 3.11%
    $75k-100k 2,222 $572,670,000 $257,727 $5,738 3.14%
    $150k-250k 2,090 $768,530,000 $367,718 $6,100 3.04%
    $50k or less 1,545 $241,665,000 $156,417 $4,934 3.12%
    $250k+ 766 $339,250,000 $442,885 $6,169 2.93%

    First Federal Bank lent most frequently to those with incomes in the $100k-150k range, with 2,983 originations. The second most popular income band? $50k-75k, with 2,839 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 2,999 $812,745,000 $271,005 $5,048 2.96%
    30-36% 2,354 $655,270,000 $278,364 $5,603 3.07%
    <20% 1,262 $330,520,000 $261,902 $4,327 2.82%
    41% 474 $135,310,000 $285,464 $6,248 3.16%
    38% 464 $130,610,000 $281,487 $6,092 3.13%
    39% 447 $124,615,000 $278,781 $5,561 3.19%
    37% 445 $125,795,000 $282,685 $5,755 3.13%
    50-60% 439 $124,445,000 $283,474 $9,380 3.58%
    40% 438 $123,870,000 $282,808 $6,373 3.17%
    44% 436 $121,160,000 $277,890 $6,212 3.23%
    43% 426 $115,960,000 $272,207 $6,208 3.21%
    36% 415 $119,565,000 $288,108 $5,534 3.19%
    42% 399 $112,045,000 $280,815 $6,193 3.20%
    45% 371 $102,185,000 $275,431 $6,708 3.21%
    49% 289 $83,825,000 $290,052 $7,163 3.28%
    46% 282 $81,520,000 $289,078 $7,051 3.35%
    48% 281 $80,775,000 $287,456 $7,347 3.32%
    47% 237 $67,575,000 $285,127 $6,560 3.22%
    >60% 18 $6,550,000 $363,889 $8,900 4.33%

    First Federal Bank lent most frequently to those with DTI ratios of 20-30%, with 2,999 originations. The next most common DTI ratio? 30-36%, with 2,354 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 10,266 $2,817,950,000 $274,493 $5,464 3.07%
    Not provided 1,291 $368,685,000 $285,581 $6,378 3.10%
    Black 984 $265,950,000 $270,274 $7,050 3.17%
    Asian 357 $111,535,000 $312,423 $5,920 2.93%
    American Indian 55 $14,435,000 $262,455 $6,011 3.11%
    Not applicable 33 $9,445,000 $286,212 $0 4.45%
    Asian Indian 26 $9,360,000 $360,000 $4,069 2.78%
    Native Hawaiian or Islander 12 $4,160,000 $346,667 $9,080 3.30%
    Filipino 6 $1,910,000 $318,333 $8,941 2.83%
    Other Asian 5 $1,375,000 $275,000 $8,456 2.83%
    Chinese 5 $1,095,000 $219,000 $3,533 2.95%
    Vietnamese 2 $850,000 $425,000 $17,012 3.13%
    Native Hawaiian 1 $525,000 $525,000 $12,606 3.25%
    Korean 1 $365,000 $365,000 $11,043 2.88%
    Guamanian 1 $295,000 $295,000 $8,511 3.00%

    Approval Rates

    Total approvals of all applications
    94.62%

    First Federal Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    90.58%

    First Federal Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 13,045 $3,607,935,000 $276,576

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    13,045 $3,607,935,000 $276,576

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 453 $83,725,000 $184,823 $3,686 2.78%
    40-60% 1,870 $447,370,000 $239,235 $4,107 2.82%
    60-80% 4,863 $1,397,675,000 $287,410 $5,327 3.04%
    80-100% 5,626 $1,613,170,000 $286,735 $6,587 3.23%
    Over 100% 89 $29,735,000 $334,101 $13,661 3.27%
    Under 20% 55 $11,175,000 $203,182 $3,644 3.76%

    Complaints

    Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
    FIRST HORIZON BANK Other type of mortgage Applying for a mortgage or refinancing an existing mortgage 2 5.9%
    FIRST HORIZON BANK Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 2 5.9%
    FIRST HORIZON BANK Other type of mortgage Closing on a mortgage 2 5.9%
    FIRST HORIZON BANK Home equity loan or line of credit (HELOC) Trouble during payment process 6 17.6%
    FIRST HORIZON BANK Conventional home mortgage Struggling to pay mortgage 1 2.9%
    FIRST HORIZON BANK Conventional home mortgage Closing on a mortgage 2 5.9%
    FIRST HORIZON BANK Conventional home mortgage Trouble during payment process 10 29.4%
    FIRST HORIZON BANK FHA mortgage Applying for a mortgage or refinancing an existing mortgage 1 2.9%
    FIRST HORIZON BANK FHA mortgage Closing on a mortgage 1 2.9%
    FIRST HORIZON BANK FHA mortgage Trouble during payment process 2 5.9%
    FIRST HORIZON BANK Home equity loan or line of credit (HELOC) Applying for a mortgage or refinancing an existing mortgage 2 5.9%
    FIRST HORIZON BANK Home equity loan or line of credit (HELOC) Struggling to pay mortgage 1 2.9%
    FIRST HORIZON BANK VA mortgage Applying for a mortgage or refinancing an existing mortgage 1 2.9%
    FIRST HORIZON BANK Other type of mortgage Trouble during payment process 1 2.9%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    First Federal Bank 1012 Main Street Chipley, FL 32428 Full Service B&M $32,298
    First Federal Bank 2571 Us Highway 90 West Lake City, FL 32055 Full Service B&M $115,966
    First Federal Bank 300 North Waukesha Street Bonifay, FL 32425 Full Service B&M $106,587
    First Federal Bank 36 Sea Island Parkway Beaufort, SC 29907 Full Service B&M $85,799
    First Federal Bank 40 Floco Ave Yulee, FL 32097 Full Service B&M $75,996
    First Federal Bank 415 Richard Jackson Blvd Panama City, FL 32407 Full Service B&M $54,322
    First Federal Bank 4200 Sw 34th St Unit A Gainesville, FL 32608 Full Service B&M $34,637
    First Federal Bank 4215 Lafayette Street Marianna, FL 32446 Full Service B&M $59,692
    First Federal Bank 463845 State Road 200 Yulee, FL 32097 Full Service B&M $47,986
    First Federal Bank 4701 Highway 90 Marianna, FL 32446 Full Service B&M $79,055
    First Federal Bank 4705 West Us Highway 90 Lake City, FL 32055 Full Service B&M $716,599
    First Federal Bank 507 Hatley Street Sw Jasper, FL 32052 Full Service B&M $94,569
    First Federal Bank 5100 Sw 25th Boulevard Gainesville, FL 32608 Full Service B&M $19,889
    First Federal Bank 5860 W Hwy 40 Ocala, FL 34482 Full Service B&M $21,477
    First Federal Bank 707 Sw Main Blvd Lake City, FL 32025 Full Service B&M $118,946
    First Federal Bank 784 South 6th Street Macclenny, FL 32063 Full Service B&M $110,781
    First Federal Bank 804 Ohio Avenue South Live Oak, FL 32064 Full Service B&M $332,309
    First Federal Bank 8399 Sw 80th Street Ocala, FL 34481 Full Service B&M $2,506
    First Federal Bank 910 Sw 1st Ave Ocala, FL 34471 Full Service B&M $109,613
    First Federal Bank 962 8th Avenue Graceville, FL 32440 Full Service B&M $30,097
    First Federal Bank 1102 North Ohio Avenue Live Oak, FL 32064 Full Service B&M $39,820
    First Federal Bank 11035 County Road 136 Dowling Park, FL 32060 Full Service B&M $34,846
    First Federal Bank 1700 Ribaut Road Port Royal, SC 29935 Full Service B&M $24,222
    First Federal Bank 187 North Fletcher Avenue Mayo, FL 32066 Full Service B&M $36,118
    First Federal Bank 1891 South 14th Street Fernandina Beach, FL 32034 Full Service B&M $321,126

    For 2021, First Federal Bank had 25 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $85,451
    Net interest income $84,641
    Total noninterest income $96,555
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $5,450
    Trading account gains and fees $0
    Additional Noninterest Income $91,105
    Pre-tax net operating income $57,908
    Securities gains (or losses, -) $611
    Income before extraordinary items $47,921
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $47,921
    Minority interest net income $-15
    Net income $47,936
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $47,419

    First Federal Bank's gross interest income from loans was $85,451,000.
    First Federal Bank's net interest income from loans was $84,641,000.
    First Federal Bank's fee based income from loans was $5,450,000.
    First Federal Bank's net income from loans was $47,936,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $810
    Provision for credit losses $-2,051
    Total noninterest expense $125,339
    Salaries and employee benefits $81,507
    Premises and equipment expense $11,537
    Additional noninterest expense $32,295
    Applicable income taxes $10,598
    Net charge-offs $235
    Cash dividends $2,300

    First Federal Bank's interest expense for loans was $810,000.
    First Federal Bank's payroll and benefits expense were $81,507,000.
    First Federal Bank's property, plant and equipment expenses $11,537,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 2.0%
    Real Estate loans 3.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 1.0%
    Multifamily residential loans 8.0%
    1-4 family residential loans 4.0%
    HELOC loans 0.0%
    All other family 4.0%
    Commercial & industrial loans 3.0%
    Personal loans 5.0%
    Credit card loans 1.1%
    Other individual loans 5.0%
    Auto loans 0.0%
    Other consumer loans 5.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $2,959,069
    Deposits held in domestic offices $2,959,069
    Deposits by Individuals, partnerships, and corporations $2,258,566
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $693,398
    Deposits by Commercial banks and other depository institutions in U.S. $7,104
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $644,202
    Demand deposits $487,556
    Nontransaction accounts $2,314,866
    Money market deposit accounts (MMDAs) $1,904,847
    Other savings deposits (excluding MMDAs) $142,501
    Total time deposits $267,517
    Total time and savings deposits $2,471,512
    Noninterest-bearing deposits $278,973
    Interest-bearing deposits $2,680,096
    Retail deposits $2,688,340
    IRAs and Keogh plan accounts $30,127
    Brokered deposits $177,209
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $3,423,533
    Cash & Balances due from depository institutions $509,537
    Interest-bearing balances $484,656
    Total securities $1,546,043
    Federal funds sold & reverse repurchase $0
    Net loans and leases $1,070,037
    Loan and leases loss allowance $24,207
    Trading account assets $0
    Bank premises and fixed assets $40,135
    Other real estate owned $1,224
    Goodwill and other intangibles $133,003
    All other assets $123,554

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $3,423,533
    Total Liabilities $3,039,267
    Total deposits $2,959,069
    Interest-bearing deposits $2,680,096
    Deposits held in domestic offices $2,959,069
    % insured (estimated) $64
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $18,866
    Subordinated debt $0
    All other liabilities $61,332

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $1,070,037
    Loan and leases loss allowance $24,207
    Total loans and leases (domestic) $1,094,244
    All real estate loans $818,265
    Real estate loans in domestic offices $818,265
    Construction and development loans $74,793
    Residential 1-4 family construction $57,668
    Other construction, all land development and other land $17,125
    Loans secured by nonfarm nonresidential properties $238,997
    Nonfarm nonresidential secured by owner-occupied properties $107,861
    Commercial real estate & other non-farm, non-residential $131,136
    Multifamily residential real estate $3,896
    1-4 family residential loans $490,357
    Farmland loans $10,222
    Loans held in foreign offices $0
    Farm loans $1,681
    Commercial and industrial loans $65,434
    To non-U.S. addressees $0
    Loans to individuals $66,842
    Credit card loans $1,100
    Related Plans $45
    Consumer Auto Loans $4,160
    Other loans to individuals $61,537
    All other loans & leases $142,022
    Loans to foreign governments and official institutions $0
    Other loans $130,499
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $0
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $3,985
    Non 1-4 family restructured loans & leases $2,759
    Total loans and leases (foreign) $0

    First Federal Bank had $1,070,037,000 of loans outstanding in 2021. $818,265,000 of loans were in real estate loans. $74,793,000 of loans were in development loans. $3,896,000 of loans were in multifamily mortgage loans. $490,357,000 of loans were in 1-4 family mortgage loans. $1,681,000 of loans were in farm loans. $1,100,000 of loans were in credit card loans. $4,160,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 651 $121,061 $185,962
    Nonfarm, nonresidential loans - <$100k 167 $10,363 $62,054
    Nonfarm, nonresidential loans - $100-250k 210 $25,009 $119,090
    Nonfarm, nonresidential loans - $250k-1MM 274 $85,689 $312,734
    Commercial & Industrial, US addressed loans - <$1MM 555 $35,986 $64,840
    Commercial & Industrial, US addressed loans - <$100k 402 $11,181 $27,813
    Commercial & Industrial, US addressed loans - $100-250k 86 $9,177 $106,709
    Commercial & Industrial, US addressed loans - $250k-1MM 67 $15,628 $233,254
    Farmland loans - <$1MM 73 $6,392 $87,562
    Farmland loans - <$100k 40 $1,458 $36,450
    Farmland loans - $100-250k 25 $3,090 $123,600
    Farmland loans - $250k-1MM 8 $1,844 $230,500
    Agriculture operations loans - <$1MM 38 $1,350 $35,526
    Agriculture operations loans - <$100k 33 $896 $27,152
    Agriculture operations loans - $100-250k 3 $191 $63,667
    Agriculture operations loans - $250k-1MM 2 $263 $131,500