First Federal Bank Mortgage Rates, Fees & Info

Lake City, FL

LEI: Q708HHR4LD2B7XIZNO92

Tax ID: 59-0969721

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

Bank Data

Review & Overview

First Federal Bank is a mid-sized bank specializing in Refi, Home Purchase, and Cash Out 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, Jacksonville, Charlotte, Rochester, and Chicago among others. We have data for 596 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 a below 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.

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SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
30 Year Conventional Purchase 6.64% 12/17/24
30 Year Conventional Refi 6.60% 12/17/24
30 Year Cash-out Refi 6.76% 12/17/24
30 Year FHA Purchase 7.17% 12/17/24
30 Year FHA Refi 7.12% 12/17/24
30 Year VA Purchase 6.83% 12/17/24
30 Year VA Refi 5.90% 12/17/24
30 Year USDA Purchase 6.67% 12/17/24
15 Year Conventional Purchase 6.12% 12/17/24
15 Year Conventional Refi 6.12% 12/17/24
15 Year Cash-out Refi 6.12% 12/17/24
15 Year FHA Purchase 7.87% 12/17/24
15 Year FHA Refi 6.39% 12/17/24
15 Year VA Purchase 6.60% 12/17/24
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.

First Federal Bank Mortgage Calculator






Your Estimates

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This is not an official calculator from First Federal Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

19,091

Origination Dollar Volume (All Markets)

$4,998,915,000

Employee count

879 Show all (44) awards

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) 3,483 $1,051,095,000 $301,779 $5,133 3.18%
JACKSONVILLE, FL (FHA|USDA|VA) 998 $254,040,000 $254,549 $4,886 3.56%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 959 $245,195,000 $255,678 $3,909 3.03%
ROCHESTER, MN (FHA|USDA|VA) 784 $171,720,000 $219,031 $3,602 2.84%
Outside of Metro Areas 838 $168,890,000 $201,539 $4,643 3.40%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 662 $157,220,000 $237,492 $4,518 3.25%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 345 $127,275,000 $368,913 $7,646 3.29%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 304 $115,060,000 $378,487 $4,787 2.98%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 283 $89,535,000 $316,378 $3,946 3.09%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 295 $84,235,000 $285,542 $6,136 3.21%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 280 $77,660,000 $277,357 $5,085 3.10%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 189 $70,385,000 $372,407 $9,625 3.27%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 280 $68,880,000 $246,000 $6,504 3.45%
MACON-BIBB COUNTY, GA (FHA|USDA|VA) 277 $67,005,000 $241,895 $4,405 3.31%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 225 $64,245,000 $285,533 $5,756 3.25%
OCALA, FL (FHA|USDA|VA) 316 $61,350,000 $194,146 $4,358 3.30%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 185 $58,895,000 $318,351 $3,678 3.31%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 179 $56,185,000 $313,883 $6,427 3.22%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 219 $54,195,000 $247,466 $4,420 3.06%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 175 $44,725,000 $255,571 $5,499 3.43%
WINSTON-SALEM, NC (FHA|USDA|VA) 168 $44,520,000 $265,000 $6,766 3.06%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 134 $37,290,000 $278,284 $7,154 3.22%
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 147 $36,945,000 $251,327 $4,895 3.07%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 146 $36,220,000 $248,082 $5,299 3.35%
Lake City, FL (FHA|USDA|VA) 184 $36,030,000 $195,815 $4,747 3.73%
GAINESVILLE, GA (FHA|USDA|VA) 125 $35,025,000 $280,200 $5,785 3.14%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 122 $32,410,000 $265,656 $5,965 45.68%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 101 $31,685,000 $313,713 $7,467 3.33%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 101 $31,415,000 $311,040 $5,206 3.04%
PITTSBURGH, PA (FHA|USDA|VA) 119 $30,885,000 $259,538 $5,109 3.31%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 95 $30,355,000 $319,526 $7,377 3.26%
PANAMA CITY, FL (FHA|USDA|VA) 120 $29,150,000 $242,917 $5,381 3.60%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 74 $29,030,000 $392,297 $8,874 3.37%
Stevens Point, WI (FHA|USDA|VA) 160 $28,720,000 $179,500 $1,822 3.07%
RICHMOND, VA (FHA|USDA|VA) 108 $28,580,000 $264,630 $5,945 3.37%
Manitowoc, WI (FHA|USDA|VA) 184 $28,210,000 $153,315 $2,130 3.00%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 61 $27,455,000 $450,082 $9,212 3.20%
RALEIGH-CARY, NC (FHA|USDA|VA) 102 $27,180,000 $266,471 $5,301 3.25%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 73 $26,275,000 $359,932 $7,559 3.25%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 122 $25,610,000 $209,918 $5,349 3.19%
GAINESVILLE, FL (FHA|USDA|VA) 111 $24,625,000 $221,847 $4,898 4.07%
WAUSAU-WESTON, WI (FHA|USDA|VA) 146 $23,240,000 $159,178 $2,198 3.10%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 71 $23,225,000 $327,113 $7,400 3.39%
BRUNSWICK, GA (FHA|USDA|VA) 77 $22,425,000 $291,234 $7,701 3.22%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 80 $21,860,000 $273,250 $6,947 3.23%
WORCESTER, MA-CT (FHA|USDA|VA) 75 $21,255,000 $283,400 $5,791 3.05%
SAVANNAH, GA (FHA|USDA|VA) 74 $18,690,000 $252,568 $5,106 3.13%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 64 $17,590,000 $274,844 $5,243 3.09%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 77 $17,335,000 $225,130 $5,874 3.14%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 73 $17,045,000 $233,493 $4,939 3.84%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 81 $16,535,000 $204,136 $4,827 3.12%
Wisconsin Rapids-Marshfield, WI (FHA|USDA|VA) 113 $16,025,000 $141,814 $1,774 3.22%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 60 $15,650,000 $260,833 $4,909 3.13%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 70 $15,350,000 $219,286 $5,314 3.88%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 31 $14,365,000 $463,387 $10,781 3.24%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 56 $14,330,000 $255,893 $4,713 3.09%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 42 $13,740,000 $327,143 $8,308 3.30%
PORT ST. LUCIE, FL (FHA|USDA|VA) 55 $13,555,000 $246,455 $5,412 3.25%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 32 $13,350,000 $417,188 $8,800 3.19%
COLUMBUS, OH (FHA|USDA|VA) 52 $13,280,000 $255,385 $7,005 3.31%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 54 $13,130,000 $243,148 $6,584 3.77%
ST. LOUIS, MO-IL (FHA|USDA|VA) 52 $12,420,000 $238,846 $5,916 3.11%
KNOXVILLE, TN (FHA|USDA|VA) 53 $12,285,000 $231,792 $5,067 3.13%
Jefferson, GA (FHA|USDA|VA) 49 $12,075,000 $246,429 $4,944 3.24%
MADISON, WI (FHA|USDA|VA) 51 $11,785,000 $231,078 $2,052 2.97%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 35 $11,725,000 $335,000 $8,063 3.19%
St. Marys, GA (FHA|USDA|VA) 54 $11,310,000 $209,444 $5,036 3.24%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 51 $11,175,000 $219,118 $5,703 3.43%
COLUMBIA, SC (FHA|USDA|VA) 55 $11,165,000 $203,000 $4,772 3.25%
COLORADO SPRINGS, CO (FHA|USDA|VA) 33 $10,995,000 $333,182 $8,956 3.38%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 44 $10,940,000 $248,636 $3,916 3.24%
AUBURN-OPELIKA, AL (FHA|USDA|VA) 50 $10,820,000 $216,400 $5,702 3.19%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 42 $10,730,000 $255,476 $5,423 3.27%
GREEN BAY, WI (FHA|USDA|VA) 52 $10,530,000 $202,500 $2,317 3.08%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 56 $10,460,000 $186,786 $4,434 3.04%
COLUMBUS, GA-AL (FHA|USDA|VA) 55 $10,335,000 $187,909 $5,123 3.31%
KANSAS CITY, MO-KS (FHA|USDA|VA) 51 $10,295,000 $201,863 $4,551 3.26%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 27 $10,275,000 $380,556 $9,545 3.52%
Wooster, OH (FHA|USDA|VA) 60 $9,970,000 $166,167 $4,273 3.37%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 41 $9,875,000 $240,854 $5,624 3.38%
OKLAHOMA CITY, OK (FHA|USDA|VA) 44 $9,840,000 $223,636 $5,927 3.51%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 33 $9,555,000 $289,545 $5,742 3.06%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 27 $9,255,000 $342,778 $7,762 3.13%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 33 $8,935,000 $270,758 $4,994 3.18%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 23 $8,705,000 $378,478 $6,838 3.24%
AKRON, OH (FHA|USDA|VA) 35 $8,515,000 $243,286 $4,151 3.09%
PUNTA GORDA, FL (FHA|USDA|VA) 33 $8,425,000 $255,303 $5,850 3.45%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 41 $8,425,000 $205,488 $5,677 3.75%
Red Wing, MN (FHA|USDA|VA) 38 $8,370,000 $220,263 $3,844 2.78%
WARNER ROBINS, GA (FHA|USDA|VA) 40 $8,340,000 $208,500 $4,477 3.39%
ALTOONA, PA (FHA|USDA|VA) 48 $7,920,000 $165,000 $4,735 3.41%
Watertown-Fort Atkinson, WI (FHA|USDA|VA) 46 $7,760,000 $168,696 $1,601 3.05%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 29 $7,655,000 $263,966 $4,932 3.20%
SALT LAKE CITY, UT (FHA|USDA|VA) 24 $7,440,000 $310,000 $10,185 3.54%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 31 $7,325,000 $236,290 $6,621 3.38%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 27 $7,095,000 $262,778 $5,593 3.00%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 19 $6,635,000 $349,211 $4,799 3.10%
BARNSTABLE TOWN, MA (FHA|USDA|VA) 21 $6,575,000 $313,095 $5,336 3.17%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 21 $6,495,000 $309,286 $7,648 3.26%
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 32 $6,300,000 $196,875 $4,633 3.01%
TALLAHASSEE, FL (FHA|USDA|VA) 27 $6,085,000 $225,370 $5,167 3.76%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 31 $6,055,000 $195,323 $6,544 3.31%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 26 $6,030,000 $231,923 $5,370 3.14%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 21 $5,955,000 $283,571 $5,997 3.29%
LOUISVILLE, KY (FHA|USDA|VA) 24 $5,820,000 $242,500 $6,550 3.23%
WILMINGTON, NC (FHA|USDA|VA) 18 $5,670,000 $315,000 $7,390 3.11%
LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) 27 $5,585,000 $206,852 $3,709 3.06%
STOCKTON, CA (FHA|USDA|VA) 16 $5,580,000 $348,750 $7,614 3.11%
MANCHESTER-NASHUA, NH (FHA|USDA|VA) 18 $5,570,000 $309,444 $5,729 3.40%
WINCHESTER, VA-WV (FHA|USDA|VA) 22 $5,510,000 $250,455 $7,319 3.32%
EL PASO, TX (FHA|USDA|VA) 28 $5,480,000 $195,714 $5,128 3.50%
SALISBURY, MD-DE (FHA|USDA|VA) 20 $5,090,000 $254,500 $7,362 3.11%
ASHEVILLE, NC (FHA|USDA|VA) 18 $4,860,000 $270,000 $6,896 3.42%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 20 $4,770,000 $238,500 $7,100 3.16%
SPARTANBURG, SC (FHA|USDA|VA) 26 $4,750,000 $182,692 $4,652 3.36%
CANTON-MASSILLON, OH (FHA|USDA|VA) 29 $4,705,000 $162,241 $4,124 3.22%
VALLEJO, CA (FHA|USDA|VA) 13 $4,655,000 $358,077 $5,929 2.96%
SPRINGFIELD, MA (FHA|USDA|VA) 21 $4,645,000 $221,190 $6,658 3.31%
RAPID CITY, SD (FHA|USDA|VA) 19 $4,615,000 $242,895 $3,481 2.94%
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 18 $4,580,000 $254,444 $2,609 2.91%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 18 $4,520,000 $251,111 $6,398 3.92%
Palatka, FL (FHA|USDA|VA) 26 $4,450,000 $171,154 $5,085 4.58%
JACKSONVILLE, NC (FHA|USDA|VA) 17 $4,255,000 $250,294 $7,040 3.21%
MODESTO, CA (FHA|USDA|VA) 15 $4,245,000 $283,000 $8,263 3.08%
APPLETON, WI (FHA|USDA|VA) 21 $4,085,000 $194,524 $3,493 3.36%
LONGVIEW, WA (FHA|USDA|VA) 18 $4,080,000 $226,667 $5,396 3.26%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 24 $4,080,000 $170,000 $4,635 3.84%
TUCSON, AZ (FHA|USDA|VA) 19 $3,995,000 $210,263 $5,719 3.48%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 18 $3,980,000 $221,111 $8,673 3.24%
HUNTSVILLE, AL (FHA|USDA|VA) 14 $3,980,000 $284,286 $5,607 3.28%
URBAN HONOLULU, HI (FHA|USDA|VA) 7 $3,955,000 $565,000 $7,923 3.13%
Ottawa, IL (FHA|USDA|VA) 20 $3,920,000 $196,000 $1,833 3.08%
PROVO-OREM, UT (FHA|USDA|VA) 13 $3,795,000 $291,923 $4,451 3.50%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 16 $3,790,000 $236,875 $5,355 3.96%
CHARLOTTESVILLE, VA (FHA|USDA|VA) 11 $3,735,000 $339,545 $5,435 3.58%
DAYTON-KETTERING, OH (FHA|USDA|VA) 18 $3,640,000 $202,222 $7,464 3.87%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 10 $3,400,000 $340,000 $13,349 3.65%
Austin, MN (FHA|USDA|VA) 17 $3,255,000 $191,471 $3,670 2.91%
JACKSON, MS (FHA|USDA|VA) 15 $3,235,000 $215,667 $3,480 3.01%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 10 $3,210,000 $321,000 $6,141 2.99%
Milledgeville, GA (FHA|USDA|VA) 13 $3,195,000 $245,769 $3,762 3.14%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 11 $3,145,000 $285,909 $5,475 3.39%
Torrington, CT (FHA|USDA|VA) 16 $3,120,000 $195,000 $6,699 3.12%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 5 $3,055,000 $611,000 $8,978 2.90%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 12 $3,050,000 $254,167 $8,105 3.13%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 10 $3,040,000 $304,000 $8,254 3.45%
RENO, NV (FHA|USDA|VA) 8 $3,020,000 $377,500 $10,681 3.14%
BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 15 $3,015,000 $201,000 $5,980 3.22%
BATON ROUGE, LA (FHA|USDA|VA) 12 $3,010,000 $250,833 $4,804 2.90%
THE VILLAGES, FL (FHA|USDA|VA) 13 $2,925,000 $225,000 $6,424 3.74%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 12 $2,920,000 $243,333 $6,130 3.05%
ALBUQUERQUE, NM (FHA|USDA|VA) 14 $2,910,000 $207,857 $6,651 3.59%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 14 $2,860,000 $204,286 $4,857 3.18%
SALEM, OR (FHA|USDA|VA) 9 $2,845,000 $316,111 $8,297 3.07%
JACKSON, MI (FHA|USDA|VA) 18 $2,840,000 $157,778 $3,438 3.51%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 11 $2,795,000 $254,091 $8,042 3.09%
FRESNO, CA (FHA|USDA|VA) 9 $2,735,000 $303,889 $9,446 3.65%
FAYETTEVILLE, NC (FHA|USDA|VA) 12 $2,680,000 $223,333 $5,400 3.43%
FORT WAYNE, IN (FHA|USDA|VA) 12 $2,650,000 $220,833 $6,856 3.67%
ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 10 $2,630,000 $263,000 $4,170 3.11%
FORT COLLINS, CO (FHA|USDA|VA) 7 $2,605,000 $372,143 $13,260 3.04%
BOISE CITY, ID (FHA|USDA|VA) 11 $2,605,000 $236,818 $10,661 2.97%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 9 $2,535,000 $281,667 $7,752 3.14%
EAU CLAIRE, WI (FHA|USDA|VA) 14 $2,480,000 $177,143 $3,385 2.94%
SHEBOYGAN, WI (FHA|USDA|VA) 12 $2,480,000 $206,667 $2,845 2.95%
BEND, OR (FHA|USDA|VA) 10 $2,470,000 $247,000 $4,132 3.18%
ANCHORAGE, AK (FHA|USDA|VA) 8 $2,420,000 $302,500 $10,080 3.03%
Greenwood, MS (FHA|USDA|VA) 9 $2,415,000 $268,333 $4,557 2.67%
RACINE, WI (FHA|USDA|VA) 13 $2,415,000 $185,769 $3,094 3.14%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 10 $2,290,000 $229,000 $6,187 3.29%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 4 $2,280,000 $570,000 $7,235 4.19%
Boone, NC (FHA|USDA|VA) 8 $2,260,000 $282,500 $4,565 2.83%
Sevierville, TN (FHA|USDA|VA) 8 $2,250,000 $281,250 $5,413 3.48%
OSHKOSH-NEENAH, WI (FHA|USDA|VA) 11 $2,245,000 $204,091 $2,926 3.40%
LINCOLN, NE (FHA|USDA|VA) 11 $2,205,000 $200,455 $4,660 3.61%
Hilo, HI (FHA|USDA|VA) 5 $2,105,000 $421,000 $7,566 3.13%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 8 $2,070,000 $258,750 $8,184 3.73%
MANKATO, MN (FHA|USDA|VA) 9 $2,055,000 $228,333 $5,072 2.76%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 4 $2,040,000 $510,000 $9,278 3.81%
CHEYENNE, WY (FHA|USDA|VA) 6 $2,030,000 $338,333 $8,582 3.58%
Bozeman, MT (FHA|USDA|VA) 5 $2,025,000 $405,000 $4,768 3.75%
Key West, FL (FHA|USDA|VA) 5 $2,025,000 $405,000 $7,146 2.88%
BAKERSFIELD, CA (FHA|USDA|VA) 8 $2,020,000 $252,500 $5,829 3.06%
GREELEY, CO (FHA|USDA|VA) 5 $1,945,000 $389,000 $11,306 2.95%
Kill Devil Hills, NC (FHA|USDA|VA) 5 $1,945,000 $389,000 $5,794 3.00%
Beaver Dam, WI (FHA|USDA|VA) 10 $1,940,000 $194,000 $4,008 2.95%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 7 $1,925,000 $275,000 $8,280 3.07%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 3 $1,905,000 $635,000 $16,378 3.25%
DULUTH, MN-WI (FHA|USDA|VA) 9 $1,895,000 $210,556 $5,538 3.33%
NORWICH-NEW LONDON, CT (FHA|USDA|VA) 7 $1,855,000 $265,000 $6,171 3.00%
NAPA, CA (FHA|USDA|VA) 4 $1,840,000 $460,000 $17,206 3.19%
TOLEDO, OH (FHA|USDA|VA) 10 $1,840,000 $184,000 $6,242 3.19%
Whitewater, WI (FHA|USDA|VA) 10 $1,840,000 $184,000 $1,998 3.06%
CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) 7 $1,835,000 $262,143 $6,238 3.02%
SALINAS, CA (FHA|USDA|VA) 4 $1,820,000 $455,000 $7,402 3.00%
Pinehurst-Southern Pines, NC (FHA|USDA|VA) 5 $1,765,000 $353,000 $6,470 3.00%
Seneca, SC (FHA|USDA|VA) 6 $1,750,000 $291,667 $5,682 2.85%
YAKIMA, WA (FHA|USDA|VA) 5 $1,715,000 $343,000 $11,973 3.75%
Clewiston, FL (FHA|USDA|VA) 8 $1,700,000 $212,500 $8,235 4.95%
READING, PA (FHA|USDA|VA) 8 $1,700,000 $212,500 $8,369 3.36%
OCEAN CITY, NJ (FHA|USDA|VA) 5 $1,635,000 $327,000 $4,990 3.00%
DOVER, DE (FHA|USDA|VA) 7 $1,635,000 $233,571 $5,363 3.27%
ROCKFORD, IL (FHA|USDA|VA) 11 $1,635,000 $148,636 $4,787 3.23%
MONTGOMERY, AL (FHA|USDA|VA) 8 $1,630,000 $203,750 $4,137 3.16%
LYNCHBURG, VA (FHA|USDA|VA) 7 $1,625,000 $232,143 $3,638 3.32%
Crossville, TN (FHA|USDA|VA) 7 $1,615,000 $230,714 $4,784 3.07%
BOULDER, CO (FHA|USDA|VA) 4 $1,610,000 $402,500 $8,447 3.06%
VALDOSTA, GA (FHA|USDA|VA) 7 $1,605,000 $229,286 $6,421 3.25%
LANCASTER, PA (FHA|USDA|VA) 6 $1,600,000 $266,667 $7,442 3.23%
Cornelia, GA (FHA|USDA|VA) 7 $1,595,000 $227,857 $4,263 2.96%
Winona, MN (FHA|USDA|VA) 8 $1,550,000 $193,750 $3,411 2.83%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 8 $1,540,000 $192,500 $7,189 3.38%
SUMTER, SC (FHA|USDA|VA) 6 $1,520,000 $253,333 $5,047 3.58%
YORK-HANOVER, PA (FHA|USDA|VA) 6 $1,490,000 $248,333 $5,565 2.75%
MOBILE, AL (FHA|USDA|VA) 9 $1,485,000 $165,000 $3,795 3.08%
LEBANON, PA (FHA|USDA|VA) 6 $1,480,000 $246,667 $8,373 3.48%
Tullahoma-Manchester, TN (FHA|USDA|VA) 5 $1,465,000 $293,000 $6,916 3.23%
Toccoa, GA (FHA|USDA|VA) 5 $1,425,000 $285,000 $4,892 3.02%
WICHITA, KS (FHA|USDA|VA) 7 $1,415,000 $202,143 $3,439 3.41%
ANN ARBOR, MI (FHA|USDA|VA) 6 $1,410,000 $235,000 $3,802 3.10%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 6 $1,380,000 $230,000 $7,428 3.48%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 7 $1,375,000 $196,429 $5,661 3.61%
TULSA, OK (FHA|USDA|VA) 6 $1,370,000 $228,333 $6,137 3.83%
HATTIESBURG, MS (FHA|USDA|VA) 7 $1,345,000 $192,143 $4,579 3.20%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 7 $1,325,000 $189,286 $6,765 3.48%
SANTA FE, NM (FHA|USDA|VA) 4 $1,320,000 $330,000 $8,982 3.13%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 8 $1,310,000 $163,750 $6,343 3.38%
MISSOULA, MT (FHA|USDA|VA) 4 $1,300,000 $325,000 $7,577 4.59%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 6 $1,290,000 $215,000 $5,766 3.13%
Gardnerville Ranchos, NV (FHA|USDA|VA) 4 $1,280,000 $320,000 $9,035 3.75%
Faribault-Northfield, MN (FHA|USDA|VA) 5 $1,255,000 $251,000 $7,266 3.03%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 6 $1,250,000 $208,333 $5,719 3.50%
Pahrump, NV (FHA|USDA|VA) 5 $1,245,000 $249,000 $6,682 3.55%
ROCHESTER, NY (FHA|USDA|VA) 7 $1,245,000 $177,857 $5,369 3.36%
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 5 $1,225,000 $245,000 $7,493 3.05%
Outside of Metro Areas 3 $1,175,000 $391,667 $7,813 2.88%
ALBANY, GA (FHA|USDA|VA) 8 $1,160,000 $145,000 $5,242 3.34%
HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 5 $1,155,000 $231,000 $7,437 3.50%
GRAND JUNCTION, CO (FHA|USDA|VA) 5 $1,155,000 $231,000 $7,480 2.95%
Traverse City, MI (FHA|USDA|VA) 4 $1,150,000 $287,500 $6,459 2.94%
Lebanon, NH-VT (FHA|USDA|VA) 4 $1,130,000 $282,500 $5,375 2.94%
MIDLAND, TX (FHA|USDA|VA) 3 $1,125,000 $375,000 $3,435 3.13%
Shelby, NC (FHA|USDA|VA) 5 $1,125,000 $225,000 $3,373 3.03%
Rochelle, IL (FHA|USDA|VA) 8 $1,120,000 $140,000 $2,284 2.89%
Easton, MD (FHA|USDA|VA) 4 $1,120,000 $280,000 $5,875 3.13%
SYRACUSE, NY (FHA|USDA|VA) 5 $1,105,000 $221,000 $3,432 3.60%
Morehead City, NC (FHA|USDA|VA) 4 $1,100,000 $275,000 $5,248 2.91%
Shelton, WA (FHA|USDA|VA) 3 $1,095,000 $365,000 $5,385 3.29%
FARGO, ND-MN (FHA|USDA|VA) 4 $1,090,000 $272,500 $3,603 2.88%
Statesboro, GA (FHA|USDA|VA) 6 $1,090,000 $181,667 $5,281 3.13%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 5 $1,085,000 $217,000 $3,143 3.03%
Owatonna, MN (FHA|USDA|VA) 6 $1,070,000 $178,333 $3,416 3.02%
ST. GEORGE, UT (FHA|USDA|VA) 4 $1,070,000 $267,500 $7,226 3.13%
ROANOKE, VA (FHA|USDA|VA) 4 $1,060,000 $265,000 $6,408 3.72%
CORVALLIS, OR (FHA|USDA|VA) 3 $1,055,000 $351,667 $4,966 3.00%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 4 $1,040,000 $260,000 $7,850 3.03%
Marinette, WI-MI (FHA|USDA|VA) 6 $1,020,000 $170,000 $2,208 3.04%
JANESVILLE-BELOIT, WI (FHA|USDA|VA) 5 $1,015,000 $203,000 $2,201 3.30%
Newberry, SC (FHA|USDA|VA) 2 $1,000,000 $500,000 $2,557 3.25%
Fallon, NV (FHA|USDA|VA) 3 $995,000 $331,667 $8,345 2.92%
JOHNSON CITY, TN (FHA|USDA|VA) 3 $975,000 $325,000 $4,326 3.00%
Tifton, GA (FHA|USDA|VA) 5 $975,000 $195,000 $3,630 3.05%
ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 4 $970,000 $242,500 $4,377 3.03%
Rock Springs, WY (FHA|USDA|VA) 3 $965,000 $321,667 $4,808 2.92%
Laconia, NH (FHA|USDA|VA) 5 $965,000 $193,000 $4,519 3.08%
VISALIA, CA (FHA|USDA|VA) 3 $965,000 $321,667 $8,498 3.08%
Fernley, NV (FHA|USDA|VA) 4 $960,000 $240,000 $11,754 3.59%
Aberdeen, WA (FHA|USDA|VA) 5 $955,000 $191,000 $9,368 3.83%
TUSCALOOSA, AL (FHA|USDA|VA) 5 $945,000 $189,000 $3,781 3.40%
Barre, VT (FHA|USDA|VA) 3 $945,000 $315,000 $2,458 2.54%
DOTHAN, AL (FHA|USDA|VA) 6 $940,000 $156,667 $6,306 3.81%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 4 $940,000 $235,000 $5,859 2.88%
Ashland, OH (FHA|USDA|VA) 6 $940,000 $156,667 $2,703 3.19%
WHEELING, WV-OH (FHA|USDA|VA) 4 $940,000 $235,000 $4,798 2.94%
Calhoun, GA (FHA|USDA|VA) 6 $940,000 $156,667 $6,082 3.23%
Brevard, NC (FHA|USDA|VA) 3 $935,000 $311,667 $7,375 2.96%
DECATUR, AL (FHA|USDA|VA) 7 $915,000 $130,714 $5,434 3.18%
KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) 2 $910,000 $455,000 $17,080 3.38%
ST. CLOUD, MN (FHA|USDA|VA) 4 $910,000 $227,500 $3,055 2.94%
ROCKY MOUNT, NC (FHA|USDA|VA) 3 $905,000 $301,667 $8,833 5.29%
Cullman, AL (FHA|USDA|VA) 5 $895,000 $179,000 $5,068 2.98%
Albert Lea, MN (FHA|USDA|VA) 4 $890,000 $222,500 $3,737 2.78%
LEWISTON, ID-WA (FHA|USDA|VA) 3 $875,000 $291,667 $7,195 3.04%
Breckenridge, CO (FHA|USDA|VA) 1 $865,000 $865,000 $14,898 3.25%
HANFORD-CORCORAN, CA (FHA|USDA|VA) 3 $865,000 $288,333 $5,523 2.88%
Roseburg, OR (FHA|USDA|VA) 4 $860,000 $215,000 $5,070 3.78%
Clovis, NM (FHA|USDA|VA) 3 $855,000 $285,000 $4,226 2.83%
REDDING, CA (FHA|USDA|VA) 3 $835,000 $278,333 $8,149 3.08%
Baraboo, WI (FHA|USDA|VA) 4 $830,000 $207,500 $3,112 3.00%
HARRISONBURG, VA (FHA|USDA|VA) 3 $825,000 $275,000 $4,866 3.00%
LAFAYETTE, LA (FHA|USDA|VA) 4 $820,000 $205,000 $3,724 2.94%
Sonora, CA (FHA|USDA|VA) 3 $815,000 $271,667 $8,615 2.88%
KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 3 $815,000 $271,667 $4,138 2.96%
GRAND FORKS, ND-MN (FHA|USDA|VA) 3 $815,000 $271,667 $4,671 2.88%
LaGrange, GA-AL (FHA|USDA|VA) 4 $810,000 $202,500 $3,910 3.16%
LAS CRUCES, NM (FHA|USDA|VA) 3 $805,000 $268,333 $6,770 3.83%
Hermiston-Pendleton, OR (FHA|USDA|VA) 2 $800,000 $400,000 $13,182 3.88%
LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 4 $800,000 $200,000 $6,840 3.78%
SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) 4 $800,000 $200,000 $5,847 3.81%
FLINT, MI (FHA|USDA|VA) 4 $780,000 $195,000 $4,592 3.22%
Dublin, GA (FHA|USDA|VA) 5 $775,000 $155,000 $3,577 3.05%
Kapaa, HI (FHA|USDA|VA) 1 $765,000 $765,000 $13,526 3.00%
MORRISTOWN, TN (FHA|USDA|VA) 3 $765,000 $255,000 $7,111 3.13%
Willmar, MN (FHA|USDA|VA) 3 $755,000 $251,667 $10,851 2.88%
PUEBLO, CO (FHA|USDA|VA) 3 $755,000 $251,667 $10,705 3.08%
YUMA, AZ (FHA|USDA|VA) 4 $750,000 $187,500 $7,434 3.47%
Vineyard Haven, MA (FHA|USDA|VA) 1 $745,000 $745,000 $31,155 3.63%
CORPUS CHRISTI, TX (FHA|USDA|VA) 4 $740,000 $185,000 $5,270 3.09%
FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) 4 $740,000 $185,000 $3,686 3.03%
Coos Bay, OR (FHA|USDA|VA) 4 $740,000 $185,000 $7,774 3.78%
COLUMBIA, MO (FHA|USDA|VA) 3 $735,000 $245,000 $5,911 4.99%
Concord, NH (FHA|USDA|VA) 4 $730,000 $182,500 $8,401 3.00%
Cambridge, OH (FHA|USDA|VA) 3 $725,000 $241,667 $1,426 3.46%
Enterprise, AL (FHA|USDA|VA) 3 $725,000 $241,667 $4,623 3.00%
BISMARCK, ND (FHA|USDA|VA) 3 $725,000 $241,667 $6,928 3.83%
CASPER, WY (FHA|USDA|VA) 2 $720,000 $360,000 $4,984 4.75%
Sandpoint, ID (FHA|USDA|VA) 2 $720,000 $360,000 $9,132 2.94%
BELLINGHAM, WA (FHA|USDA|VA) 3 $715,000 $238,333 $7,120 3.08%
Cullowhee, NC (FHA|USDA|VA) 2 $710,000 $355,000 $3,983 3.13%
ELKHART-GOSHEN, IN (FHA|USDA|VA) 3 $705,000 $235,000 $3,612 2.79%
KINGSTON, NY (FHA|USDA|VA) 3 $705,000 $235,000 $8,906 4.08%
BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) 3 $705,000 $235,000 $4,739 3.00%
Greenville, MS (FHA|USDA|VA) 4 $700,000 $175,000 $3,800 2.63%
LEWISTON-AUBURN, ME (FHA|USDA|VA) 3 $695,000 $231,667 $3,274 4.42%
Moscow, ID (FHA|USDA|VA) 3 $685,000 $228,333 $4,447 3.17%
PITTSFIELD, MA (FHA|USDA|VA) 3 $685,000 $228,333 $1,908 2.83%
CHICO, CA (FHA|USDA|VA) 2 $680,000 $340,000 $9,621 4.38%
ALBANY-LEBANON, OR (FHA|USDA|VA) 3 $675,000 $225,000 $5,528 3.42%
DuBois, PA (FHA|USDA|VA) 4 $670,000 $167,500 $5,745 3.50%
EAST STROUDSBURG, PA (FHA|USDA|VA) 4 $670,000 $167,500 $7,809 3.81%
EVANSVILLE, IN-KY (FHA|USDA|VA) 2 $650,000 $325,000 $7,161 3.38%
MANHATTAN, KS (FHA|USDA|VA) 3 $645,000 $215,000 $10,163 4.33%
Meadville, PA (FHA|USDA|VA) 2 $640,000 $320,000 $6,441 3.31%
Alamogordo, NM (FHA|USDA|VA) 3 $635,000 $211,667 $6,069 4.13%
Keene, NH (FHA|USDA|VA) 3 $635,000 $211,667 $9,570 3.04%
Shawano, WI (FHA|USDA|VA) 4 $630,000 $157,500 $2,436 3.00%
Jesup, GA (FHA|USDA|VA) 4 $630,000 $157,500 $4,276 3.44%
Sanford, NC (FHA|USDA|VA) 3 $625,000 $208,333 $6,648 3.29%
FLAGSTAFF, AZ (FHA|USDA|VA) 2 $600,000 $300,000 $2,472 3.19%
Brainerd, MN (FHA|USDA|VA) 3 $595,000 $198,333 $2,759 2.83%
New Castle, PA (FHA|USDA|VA) 5 $595,000 $119,000 $4,669 3.58%
Riverton, WY (FHA|USDA|VA) 3 $595,000 $198,333 $4,614 3.00%
Augusta-Waterville, ME (FHA|USDA|VA) 2 $590,000 $295,000 $12,039 2.88%
Frankfort, KY (FHA|USDA|VA) 3 $575,000 $191,667 $5,683 4.58%
Albemarle, NC (FHA|USDA|VA) 3 $575,000 $191,667 $1,940 3.13%
MEDFORD, OR (FHA|USDA|VA) 2 $570,000 $285,000 $6,613 3.00%
Butte-Silver Bow, MT (FHA|USDA|VA) 2 $570,000 $285,000 $3,638 2.81%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 2 $570,000 $285,000 $4,313 2.88%
HINESVILLE, GA (FHA|USDA|VA) 3 $565,000 $188,333 $5,745 3.71%
ST. JOSEPH, MO-KS (FHA|USDA|VA) 3 $565,000 $188,333 $4,891 3.96%
WENATCHEE, WA (FHA|USDA|VA) 2 $560,000 $280,000 $14,719 3.00%
SEBRING-AVON PARK, FL (FHA|USDA|VA) 3 $555,000 $185,000 $7,400 4.04%
ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 3 $545,000 $181,667 $4,023 3.00%
LOGAN, UT-ID (FHA|USDA|VA) 2 $540,000 $270,000 $3,980 2.75%
Paducah, KY-IL (FHA|USDA|VA) 3 $535,000 $178,333 $2,327 3.21%
UTICA-ROME, NY (FHA|USDA|VA) 3 $535,000 $178,333 $6,734 2.96%
Waycross, GA (FHA|USDA|VA) 3 $535,000 $178,333 $3,041 3.79%
FLORENCE, SC (FHA|USDA|VA) 2 $520,000 $260,000 $5,226 3.19%
Atchison, KS (FHA|USDA|VA) 3 $515,000 $171,667 $2,424 2.83%
Dixon, IL (FHA|USDA|VA) 3 $515,000 $171,667 $2,219 3.00%
Mount Sterling, KY (FHA|USDA|VA) 2 $510,000 $255,000 $2,447 3.06%
Cedar City, UT (FHA|USDA|VA) 2 $510,000 $255,000 $6,702 3.63%
PEORIA, IL (FHA|USDA|VA) 3 $505,000 $168,333 $3,626 2.96%
Jasper, IN (FHA|USDA|VA) 3 $505,000 $168,333 $6,683 2.88%
MADERA, CA (FHA|USDA|VA) 2 $500,000 $250,000 $5,709 3.06%
Klamath Falls, OR (FHA|USDA|VA) 3 $495,000 $165,000 $9,362 3.33%
MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 3 $495,000 $165,000 $7,153 3.33%
Newport, OR (FHA|USDA|VA) 2 $490,000 $245,000 $5,853 3.56%
Alexandria, MN (FHA|USDA|VA) 2 $490,000 $245,000 $3,464 3.00%
Jamestown-Dunkirk-Fredonia, NY (FHA|USDA|VA) 1 $485,000 $485,000 $7,253 2.75%
Arcadia, FL (FHA|USDA|VA) 3 $485,000 $161,667 $4,704 5.67%
CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 3 $485,000 $161,667 $5,072 3.13%
CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 2 $480,000 $240,000 $4,104 2.31%
Ketchikan, AK (FHA|USDA|VA) 2 $480,000 $240,000 $2,237 3.06%
Mount Vernon, OH (FHA|USDA|VA) 3 $475,000 $158,333 $3,962 3.00%
Zanesville, OH (FHA|USDA|VA) 3 $475,000 $158,333 $5,316 3.75%
Gainesville, TX (FHA|USDA|VA) 1 $475,000 $475,000 $3,847 2.75%
KANKAKEE, IL (FHA|USDA|VA) 2 $470,000 $235,000 $3,810 3.13%
Kalispell, MT (FHA|USDA|VA) 2 $470,000 $235,000 $5,801 3.25%
CARSON CITY, NV (FHA|USDA|VA) 2 $470,000 $235,000 $7,487 3.38%
Safford, AZ (FHA|USDA|VA) 3 $465,000 $155,000 $7,187 3.83%
Spearfish, SD (FHA|USDA|VA) 1 $465,000 $465,000 $2,555 2.75%
BECKLEY, WV (FHA|USDA|VA) 2 $460,000 $230,000 $2,532 4.37%
STATE COLLEGE, PA (FHA|USDA|VA) 2 $460,000 $230,000 $12,095 3.31%
Dayton, TN (FHA|USDA|VA) 2 $450,000 $225,000 $2,948 2.94%
Centralia, WA (FHA|USDA|VA) 2 $450,000 $225,000 $7,102 2.88%
AMARILLO, TX (FHA|USDA|VA) 2 $450,000 $225,000 $4,496 2.88%
MANSFIELD, OH (FHA|USDA|VA) 3 $445,000 $148,333 $3,543 3.38%
Holland, MI (FHA|USDA|VA) 2 $440,000 $220,000 $10,785 3.00%
MONROE, LA (FHA|USDA|VA) 1 $435,000 $435,000 $19,871 2.88%
BLOOMINGTON, IL (FHA|USDA|VA) 3 $435,000 $145,000 $5,157 4.42%
Salem, OH (FHA|USDA|VA) 2 $430,000 $215,000 $10,404 3.06%
Wilson, NC (FHA|USDA|VA) 1 $425,000 $425,000 $3,343 2.50%
HOT SPRINGS, AR (FHA|USDA|VA) 2 $420,000 $210,000 $1,644 2.75%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 1 $415,000 $415,000 $1,195 2.75%
Jasper, AL (FHA|USDA|VA) 3 $415,000 $138,333 $7,505 2.96%
Alexander City, AL (FHA|USDA|VA) 2 $410,000 $205,000 $5,384 4.75%
KOKOMO, IN (FHA|USDA|VA) 2 $410,000 $205,000 $3,043 3.06%
Martin, TN (FHA|USDA|VA) 4 $410,000 $102,500 $4,297 2.81%
Menomonie, WI (FHA|USDA|VA) 2 $410,000 $205,000 $5,201 2.81%
GRANTS PASS, OR (FHA|USDA|VA) 2 $410,000 $205,000 $5,474 3.38%
NILES, MI (FHA|USDA|VA) 2 $410,000 $205,000 $4,547 3.19%
Fergus Falls, MN (FHA|USDA|VA) 2 $410,000 $205,000 $4,937 4.13%
STAUNTON, VA (FHA|USDA|VA) 2 $410,000 $205,000 $2,156 3.13%
Grand Rapids, MN (FHA|USDA|VA) 2 $400,000 $200,000 $1,729 2.69%
LUBBOCK, TX (FHA|USDA|VA) 2 $400,000 $200,000 $3,579 3.19%
TWIN FALLS, ID (FHA|USDA|VA) 3 $395,000 $131,667 $6,234 2.83%
Athens, TX (FHA|USDA|VA) 1 $395,000 $395,000 $4,918 2.88%
JOHNSTOWN, PA (FHA|USDA|VA) 3 $395,000 $131,667 $4,202 3.38%
Chillicothe, OH (FHA|USDA|VA) 2 $390,000 $195,000 $8,295 3.38%
Marion, NC (FHA|USDA|VA) 1 $385,000 $385,000 $8,727 3.25%
LIMA, OH (FHA|USDA|VA) 3 $385,000 $128,333 $5,655 3.46%
DALTON, GA (FHA|USDA|VA) 2 $380,000 $190,000 $5,523 3.31%
Vicksburg, MS (FHA|USDA|VA) 2 $380,000 $190,000 $8,245 2.94%
ROME, GA (FHA|USDA|VA) 2 $380,000 $190,000 $3,194 2.94%
Campbellsville, KY (FHA|USDA|VA) 2 $380,000 $190,000 $2,756 2.81%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 2 $380,000 $190,000 $8,669 3.00%
IOWA CITY, IA (FHA|USDA|VA) 2 $380,000 $190,000 $3,661 2.69%
Greeneville, TN (FHA|USDA|VA) 1 $375,000 $375,000 $5,323 2.75%
Payson, AZ (FHA|USDA|VA) 2 $370,000 $185,000 $3,295 2.63%
Mount Airy, NC (FHA|USDA|VA) 2 $360,000 $180,000 $5,090 3.43%
Helena, MT (FHA|USDA|VA) 2 $360,000 $180,000 $4,954 2.94%
BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) 2 $360,000 $180,000 $12,562 3.56%
New Philadelphia-Dover, OH (FHA|USDA|VA) 2 $360,000 $180,000 $3,489 2.93%
Astoria, OR (FHA|USDA|VA) 1 $355,000 $355,000 $7,018 3.75%
Kendallville, IN (FHA|USDA|VA) 2 $350,000 $175,000 $5,001 3.13%
Marquette, MI (FHA|USDA|VA) 2 $350,000 $175,000 $4,011 3.19%
Thomasville, GA (FHA|USDA|VA) 2 $350,000 $175,000 $7,220 3.81%
Atmore, AL (FHA|USDA|VA) 2 $350,000 $175,000 $4,395 2.88%
MONROE, MI (FHA|USDA|VA) 2 $350,000 $175,000 $7,111 3.56%
CHARLESTON, WV (FHA|USDA|VA) 2 $350,000 $175,000 $5,273 3.00%
Coshocton, OH (FHA|USDA|VA) 1 $345,000 $345,000 $8,192 3.38%
OWENSBORO, KY (FHA|USDA|VA) 2 $330,000 $165,000 $5,421 3.81%
CEDAR RAPIDS, IA (FHA|USDA|VA) 2 $330,000 $165,000 $5,626 2.88%
Iron Mountain, MI-WI (FHA|USDA|VA) 3 $325,000 $108,333 $2,598 2.92%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 1 $325,000 $325,000 $10,155 3.63%
Bennington, VT (FHA|USDA|VA) 2 $320,000 $160,000 $3,434 3.75%
Brookhaven, MS (FHA|USDA|VA) 2 $320,000 $160,000 $3,177 3.25%
WEIRTON-STEUBENVILLE, WV-OH (FHA|USDA|VA) 2 $320,000 $160,000 $4,305 2.75%
Starkville, MS (FHA|USDA|VA) 2 $320,000 $160,000 $4,144 2.81%
WALLA WALLA, WA (FHA|USDA|VA) 1 $315,000 $315,000 $2,608 3.38%
Minot, ND (FHA|USDA|VA) 1 $315,000 $315,000 $6,559 3.13%
Prineville, OR (FHA|USDA|VA) 1 $315,000 $315,000 $6,107 2.75%
Orangeburg, SC (FHA|USDA|VA) 2 $310,000 $155,000 $3,315 4.88%
Mason City, IA (FHA|USDA|VA) 2 $310,000 $155,000 $7,714 3.56%
Vidalia, GA (FHA|USDA|VA) 2 $310,000 $155,000 $3,257 2.56%
Albertville, AL (FHA|USDA|VA) 2 $310,000 $155,000 $3,630 3.06%
Scottsburg, IN (FHA|USDA|VA) 1 $305,000 $305,000 $7,619 3.00%
Forest City, NC (FHA|USDA|VA) 1 $305,000 $305,000 $3,157 2.25%
Meridian, MS (FHA|USDA|VA) 1 $305,000 $305,000 $6,070 3.50%
Findlay, OH (FHA|USDA|VA) 1 $305,000 $305,000 $8,723 3.50%
Thomaston, GA (FHA|USDA|VA) 2 $300,000 $150,000 $5,271 3.63%
Marshall, MN (FHA|USDA|VA) 2 $300,000 $150,000 $4,537 3.19%
Pierre, SD (FHA|USDA|VA) 1 $295,000 $295,000 $3,476 3.13%
Wilmington, OH (FHA|USDA|VA) 1 $295,000 $295,000 $3,928 5.99%
Okeechobee, FL (FHA|USDA|VA) 1 $295,000 $295,000 $5,784 6.75%
BINGHAMTON, NY (FHA|USDA|VA) 2 $290,000 $145,000 $5,046 3.13%
GREAT FALLS, MT (FHA|USDA|VA) 2 $290,000 $145,000 $4,351 3.13%
WATERLOO-CEDAR FALLS, IA (FHA|USDA|VA) 2 $290,000 $145,000 $7,696 2.69%
GOLDSBORO, NC (FHA|USDA|VA) 2 $290,000 $145,000 $4,491 4.62%
COLUMBUS, IN (FHA|USDA|VA) 1 $285,000 $285,000 $3,986 3.00%
YUBA CITY, CA (FHA|USDA|VA) 1 $285,000 $285,000 $14,264 3.13%
BURLINGTON, NC (FHA|USDA|VA) 1 $285,000 $285,000 $5,733 3.38%
Garden City, KS (FHA|USDA|VA) 2 $280,000 $140,000 $4,308 3.19%
Fort Polk South, LA (FHA|USDA|VA) 2 $280,000 $140,000 $4,150 3.06%
LAWRENCE, KS (FHA|USDA|VA) 2 $280,000 $140,000 $2,747 2.81%
FOND DU LAC, WI (FHA|USDA|VA) 2 $280,000 $140,000 $1,891 3.00%
GRAND ISLAND, NE (FHA|USDA|VA) 2 $270,000 $135,000 $5,157 3.13%
Granbury, TX (FHA|USDA|VA) 1 $265,000 $265,000 $7,190 3.25%
Plattsburgh, NY (FHA|USDA|VA) 1 $265,000 $265,000 $3,868 2.88%
Price, UT (FHA|USDA|VA) 1 $265,000 $265,000 $2,521 2.75%
Effingham, IL (FHA|USDA|VA) 1 $265,000 $265,000 $5,696 3.63%
Ellensburg, WA (FHA|USDA|VA) 1 $265,000 $265,000 $2,378 3.25%
Bartlesville, OK (FHA|USDA|VA) 1 $265,000 $265,000 $10,283 3.13%
Athens, TN (FHA|USDA|VA) 1 $265,000 $265,000 $3,936 3.25%
ANNISTON-OXFORD, AL (FHA|USDA|VA) 2 $260,000 $130,000 $3,570 2.88%
Fairmont, MN (FHA|USDA|VA) 1 $255,000 $255,000 $3,850 3.00%
Elizabeth City, NC (FHA|USDA|VA) 1 $255,000 $255,000 $1,791 3.25%
Greenwood, SC (FHA|USDA|VA) 1 $255,000 $255,000 $3,297 2.75%
Elk City, OK (FHA|USDA|VA) 1 $255,000 $255,000 $9,452 3.38%
Moultrie, GA (FHA|USDA|VA) 2 $250,000 $125,000 $2,983 3.25%
FORT SMITH, AR-OK (FHA|USDA|VA) 2 $250,000 $125,000 $4,315 3.06%
Oil City, PA (FHA|USDA|VA) 1 $245,000 $245,000 $2,047 2.75%
PARKERSBURG-VIENNA, WV (FHA|USDA|VA) 1 $245,000 $245,000 $3,534 2.75%
Quincy, IL-MO (FHA|USDA|VA) 1 $245,000 $245,000 $3,434 5.99%
Bemidji, MN (FHA|USDA|VA) 1 $245,000 $245,000 $1,812 2.88%
Oskaloosa, IA (FHA|USDA|VA) 1 $245,000 $245,000 $2,634 2.88%
Bardstown, KY (FHA|USDA|VA) 2 $240,000 $120,000 $6,043 3.00%
Cambridge, MD (FHA|USDA|VA) 2 $240,000 $120,000 $5,159 3.00%
Durango, CO (FHA|USDA|VA) 1 $235,000 $235,000 $6,427 3.00%
CLEVELAND, TN (FHA|USDA|VA) 1 $235,000 $235,000 $8,451 3.13%
CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) 1 $235,000 $235,000 $3,942 3.13%
Russellville, AR (FHA|USDA|VA) 1 $235,000 $235,000 $4,479 3.25%
MIDLAND, MI (FHA|USDA|VA) 1 $235,000 $235,000 $4,780 3.13%
Oak Harbor, WA (FHA|USDA|VA) 1 $235,000 $235,000 $4,978 2.75%
Paris, TX (FHA|USDA|VA) 1 $235,000 $235,000 $5,425 2.38%
Dyersburg, TN (FHA|USDA|VA) 1 $235,000 $235,000 $8,165 5.50%
BLOOMINGTON, IN (FHA|USDA|VA) 1 $235,000 $235,000 $4,372 3.13%
TOPEKA, KS (FHA|USDA|VA) 1 $235,000 $235,000 $6,114 3.63%
Wabash, IN (FHA|USDA|VA) 1 $235,000 $235,000 $11,742 5.99%
Woodward, OK (FHA|USDA|VA) 2 $230,000 $115,000 $3,685 3.06%
Mountain Home, ID (FHA|USDA|VA) 1 $225,000 $225,000 $2,944 2.75%
SPRINGFIELD, MO (FHA|USDA|VA) 1 $225,000 $225,000 $14,006 3.63%
FAIRBANKS, AK (FHA|USDA|VA) 1 $225,000 $225,000 $4,015 3.00%
CARBONDALE-MARION, IL (FHA|USDA|VA) 1 $225,000 $225,000 $3,663 2.75%
VINELAND-BRIDGETON, NJ (FHA|USDA|VA) 1 $225,000 $225,000 $9,065 3.13%
Freeport, IL (FHA|USDA|VA) 1 $225,000 $225,000 $3,015 3.13%
Cleveland, MS (FHA|USDA|VA) 1 $215,000 $215,000 $3,340 2.75%
Norwalk, OH (FHA|USDA|VA) 1 $215,000 $215,000 $4,236 3.99%
Lewisburg, TN (FHA|USDA|VA) 1 $215,000 $215,000 $2,957 3.88%
Hastings, NE (FHA|USDA|VA) 1 $215,000 $215,000 $3,285 2.88%
Fort Dodge, IA (FHA|USDA|VA) 1 $215,000 $215,000 $2,992 2.75%
MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 1 $215,000 $215,000 $6,089 3.75%
WACO, TX (FHA|USDA|VA) 1 $215,000 $215,000 $2,930 3.25%
CaƱon City, CO (FHA|USDA|VA) 1 $215,000 $215,000 $8,550 4.25%
Hood River, OR (FHA|USDA|VA) 1 $205,000 $205,000 $2,572 3.25%
Red Bluff, CA (FHA|USDA|VA) 1 $205,000 $205,000 $3,466 2.75%
Rutland, VT (FHA|USDA|VA) 1 $205,000 $205,000 $2,285 2.75%
SIOUX FALLS, SD (FHA|USDA|VA) 1 $205,000 $205,000 $5,893 2.75%
Alice, TX (FHA|USDA|VA) 1 $205,000 $205,000 $2,663 3.25%
Urbana, OH (FHA|USDA|VA) 1 $195,000 $195,000 $7,429 4.00%
Cedartown, GA (FHA|USDA|VA) 1 $195,000 $195,000 $6,535 3.13%
Clarksdale, MS (FHA|USDA|VA) 1 $195,000 $195,000 $3,065 3.00%
Hobbs, NM (FHA|USDA|VA) 1 $195,000 $195,000 $10,627 5.99%
GADSDEN, AL (FHA|USDA|VA) 1 $195,000 $195,000 $4,315 2.75%
Duncan, OK (FHA|USDA|VA) 1 $195,000 $195,000 $2,719 3.63%
Altus, OK (FHA|USDA|VA) 1 $185,000 $185,000 $3,131 2.88%
Elko, NV (FHA|USDA|VA) 1 $185,000 $185,000 $6,119 3.63%
HAMMOND, LA (FHA|USDA|VA) 1 $185,000 $185,000 $7,238 3.00%
Batesville, AR (FHA|USDA|VA) 1 $185,000 $185,000 $10,937 3.13%
Richmond-Berea, KY (FHA|USDA|VA) 1 $185,000 $185,000 $12,926 2.75%
Madison, IN (FHA|USDA|VA) 1 $185,000 $185,000 $7,353 2.75%
London, KY (FHA|USDA|VA) 1 $185,000 $185,000 $7,126 2.88%
JOPLIN, MO (FHA|USDA|VA) 1 $185,000 $185,000 $3,047 2.88%
Bennettsville, SC (FHA|USDA|VA) 1 $185,000 $185,000 $3,665 3.13%
Mount Pleasant, MI (FHA|USDA|VA) 1 $175,000 $175,000 $2,458 2.88%
Alma, MI (FHA|USDA|VA) 1 $175,000 $175,000 $4,586 3.13%
MORGANTOWN, WV (FHA|USDA|VA) 1 $175,000 $175,000 $5,263 2.75%
GREENVILLE, NC (FHA|USDA|VA) 1 $175,000 $175,000 $2,906 3.13%
Rockingham, NC (FHA|USDA|VA) 1 $175,000 $175,000 $5,071 3.00%
WATERTOWN-FORT DRUM, NY (FHA|USDA|VA) 1 $175,000 $175,000 $5,171 2.88%
BOWLING GREEN, KY (FHA|USDA|VA) 1 $165,000 $165,000 $507 3.00%
Kinston, NC (FHA|USDA|VA) 1 $165,000 $165,000 $12,243 5.50%
Bainbridge, GA (FHA|USDA|VA) 1 $165,000 $165,000 $3,344 3.75%
Henderson, NC (FHA|USDA|VA) 1 $165,000 $165,000 $7,630 2.75%
Talladega-Sylacauga, AL (FHA|USDA|VA) 1 $165,000 $165,000 $5,640 3.25%
IDAHO FALLS, ID (FHA|USDA|VA) 1 $165,000 $165,000 $11,870 4.25%
GLENS FALLS, NY (FHA|USDA|VA) 1 $165,000 $165,000 $6,057 4.25%
Washington, IN (FHA|USDA|VA) 1 $165,000 $165,000 $1,418 2.75%
SPRINGFIELD, OH (FHA|USDA|VA) 1 $155,000 $155,000 $3,577 3.13%
Bucyrus-Galion, OH (FHA|USDA|VA) 1 $155,000 $155,000 $9,008 3.13%
Lumberton, NC (FHA|USDA|VA) 1 $155,000 $155,000 $3,800 3.38%
Nogales, AZ (FHA|USDA|VA) 1 $155,000 $155,000 $12,085 3.00%
Selma, AL (FHA|USDA|VA) 1 $155,000 $155,000 $1,405 2.25%
Ontario, OR-ID (FHA|USDA|VA) 1 $155,000 $155,000 $5,298 3.38%
LAKE CHARLES, LA (FHA|USDA|VA) 1 $155,000 $155,000 $6,965 3.50%
Troy, AL (FHA|USDA|VA) 1 $145,000 $145,000 $3,958 2.88%
GETTYSBURG, PA (FHA|USDA|VA) 1 $145,000 $145,000 $2,728 2.75%
Adrian, MI (FHA|USDA|VA) 1 $145,000 $145,000 $3,191 3.99%
Auburn, NY (FHA|USDA|VA) 1 $145,000 $145,000 $2,253 2.75%
MUNCIE, IN (FHA|USDA|VA) 1 $145,000 $145,000 $3,672 2.75%
BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) 1 $145,000 $145,000 $5,836 3.25%
Selinsgrove, PA (FHA|USDA|VA) 1 $145,000 $145,000 $4,549 2.75%
Mountain Home, AR (FHA|USDA|VA) 1 $145,000 $145,000 $2,590 3.13%
Richmond, IN (FHA|USDA|VA) 1 $145,000 $145,000 $1,951 2.88%
DUBUQUE, IA (FHA|USDA|VA) 1 $145,000 $145,000 $4,846 4.63%
Columbus, MS (FHA|USDA|VA) 1 $145,000 $145,000 $5,565 2.88%
Cordele, GA (FHA|USDA|VA) 1 $145,000 $145,000 $3,382 2.50%
Cookeville, TN (FHA|USDA|VA) 1 $135,000 $135,000 $3,414 2.63%
Farmington, MO (FHA|USDA|VA) 1 $135,000 $135,000 $6,500 3.63%
Murray, KY (FHA|USDA|VA) 1 $135,000 $135,000 $5,919 3.63%
Ogdensburg-Massena, NY (FHA|USDA|VA) 1 $135,000 $135,000 $6,750 2.75%
Gillette, WY (FHA|USDA|VA) 1 $135,000 $135,000 $2,305 3.25%
Rolla, MO (FHA|USDA|VA) 1 $135,000 $135,000 $5,240 3.00%
Georgetown, SC (FHA|USDA|VA) 1 $135,000 $135,000 $5,902 3.13%
Marion, IN (FHA|USDA|VA) 1 $135,000 $135,000 $7,506 5.99%
JACKSON, TN (FHA|USDA|VA) 1 $125,000 $125,000 $2,294 2.75%
BAY CITY, MI (FHA|USDA|VA) 1 $125,000 $125,000 $3,063 2.75%
Oneonta, NY (FHA|USDA|VA) 1 $125,000 $125,000 $3,226 3.00%
Fort Madison-Keokuk, IA-IL-MO (FHA|USDA|VA) 1 $125,000 $125,000 $3,019 2.75%
Ozark, AL (FHA|USDA|VA) 1 $125,000 $125,000 $5,063 5.50%
Sayre, PA (FHA|USDA|VA) 1 $125,000 $125,000 $4,192 3.63%
Hays, KS (FHA|USDA|VA) 1 $115,000 $115,000 $4,734 2.75%
Eufaula, AL-GA (FHA|USDA|VA) 1 $105,000 $105,000 $2,200 2.50%
Tupelo, MS (FHA|USDA|VA) 1 $105,000 $105,000 $6,286 3.00%
Douglas, GA (FHA|USDA|VA) 1 $105,000 $105,000 $2,175 2.50%
McMinnville, TN (FHA|USDA|VA) 1 $105,000 $105,000 $7,592 3.00%
Clarksburg, WV (FHA|USDA|VA) 1 $105,000 $105,000 $3,538 2.88%
ALEXANDRIA, LA (FHA|USDA|VA) 1 $95,000 $95,000 $5,025 3.25%
Huntingdon, PA (FHA|USDA|VA) 1 $95,000 $95,000 $3,221 3.13%
Stillwater, OK (FHA|USDA|VA) 1 $95,000 $95,000 $4,967 3.13%
Somerset, KY (FHA|USDA|VA) 1 $95,000 $95,000 $7,963 3.25%
Malvern, AR (FHA|USDA|VA) 1 $95,000 $95,000 $3,308 3.50%
Glasgow, KY (FHA|USDA|VA) 1 $85,000 $85,000 $2,243 3.13%
Hutchinson, KS (FHA|USDA|VA) 1 $85,000 $85,000 $5,542 3.25%
Warsaw, IN (FHA|USDA|VA) 1 $75,000 $75,000 $2,517 3.00%
First Federal Bank's top markets include Atlanta, Jacksonville, Charlotte, 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)
  • Minnesota (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 13,979 $3,679,045,000 $263,184 $4,338 3.53%
    VA 3,263 $922,495,000 $282,714 $7,228 3.39%
    FHA 1,753 $381,125,000 $217,413 $7,844 3.59%
    USDA 96 $16,250,000 $169,271 $5,497 3.21%

    For 2020, First Federal Bank's most frequently originated type of loan was Conventional, with 13,979 originations. Their 2nd most popular type was VA, with 3,263 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 8,019 $2,144,595,000 $267,439 $3,876 3.01%
    Home Purchase 6,397 $1,644,255,000 $257,035 $5,598 4.23%
    Cash Out Refi 4,561 $1,187,865,000 $260,440 $6,925 3.39%
    Other 69 $13,995,000 $202,826 $4,183 3.31%
    Home Improvement 45 $8,205,000 $182,333 $3,906 3.45%

    For 2020, First Federal Bank's most frequently cited loan purpose was Refi, with 8,019 originations. The 2nd most popular reason was Home Purchase, with 6,397 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 14,558 $3,954,080,000 $271,609 $5,531 3.26%
    15 Year 2,687 $592,715,000 $220,586 $3,668 2.75%
    20 Year 1,005 $239,685,000 $238,493 $3,759 3.19%
    30+ year 457 $117,135,000 $256,313 $6,487 16.96%
    Other 226 $67,390,000 $298,186 $4,658 3.41%
    10 Year 158 $27,910,000 $176,646 $3,552 3.02%

    For 2020, First Federal Bank's most frequently cited loan duration was 30 Year, with 14,558 originations. The 2nd most popular length was 15 Year, with 2,687 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 7,128 $1,821,820,000 $255,586
    $1k-2k 4,273 $1,010,505,000 $236,486
    $2k-3k 2,648 $656,410,000 $247,889
    $5k+ 2,421 $850,945,000 $351,485
    $3k-4k 1,352 $347,680,000 $257,160
    $4k-5k 933 $253,095,000 $271,270

    First Federal Bank's average total fees were $5,531, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 7,128 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 8,464 $2,239,020,000 $264,534
    2.5-3% 7,931 $2,096,275,000 $264,314
    <2.5% 1,274 $307,860,000 $241,648
    5-6% 550 $162,300,000 $295,091
    4-5% 530 $118,890,000 $224,321
    6-7% 323 $71,735,000 $222,090
    7-8% 18 $2,640,000 $146,667
    Over 8% 1 $195,000 $195,000

    During 2020, First Federal Bank's average interest rate for loans was 3.26%, while their most frequently originated rate bucket for loans was 3-4%, with 8,464 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 9,741 $2,756,455,000 $282,975 $5,460 3.21%
    $100k-200k 5,948 $922,270,000 $155,055 $4,084 4.12%
    $400k-600k 2,419 $1,124,395,000 $464,818 $6,826 3.22%
    $100,000 or less 804 $63,630,000 $79,142 $2,863 3.46%
    $600k-1MM 169 $118,955,000 $703,876 $12,145 3.59%
    $1MM+ 10 $13,210,000 $1,321,000 $14,784 4.06%

    2020 saw First Federal Bank place emphasis on $200k-400k loans with 9,741 originations, totaling $2,756,455,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 4,527 $1,281,665,000 $283,116 $5,248 3.23%
    $50k-75k 3,687 $740,935,000 $200,959 $5,171 3.32%
    $75k-100k 3,168 $776,530,000 $245,117 $5,347 3.30%
    $150k-250k 3,029 $1,028,395,000 $339,516 $5,589 3.21%
    $50k or less 2,023 $305,905,000 $151,214 $4,911 5.86%
    $250k+ 1,084 $422,210,000 $389,493 $5,449 3.17%

    First Federal Bank lent most frequently to those with incomes in the $100k-150k range, with 4,527 originations. The second most popular income band? $50k-75k, with 3,687 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 4,629 $1,194,975,000 $258,150 $4,631 3.12%
    30-36% 3,260 $865,010,000 $265,340 $5,146 3.26%
    <20% 2,061 $515,355,000 $250,051 $4,021 3.02%
    44% 615 $164,595,000 $267,634 $6,009 3.34%
    43% 587 $149,315,000 $254,370 $5,526 3.33%
    42% 585 $156,525,000 $267,564 $5,792 3.45%
    41% 584 $155,530,000 $266,318 $5,797 3.37%
    50-60% 577 $147,625,000 $255,849 $8,563 3.87%
    40% 575 $151,665,000 $263,765 $5,636 3.38%
    38% 555 $150,865,000 $271,829 $5,300 3.36%
    39% 545 $141,805,000 $260,193 $5,656 3.38%
    37% 539 $138,915,000 $257,727 $5,450 3.36%
    36% 518 $134,350,000 $259,363 $5,304 3.30%
    45% 472 $121,260,000 $256,907 $6,025 3.42%
    49% 413 $112,605,000 $272,651 $7,162 3.43%
    46% 363 $91,625,000 $252,410 $6,098 3.37%
    48% 347 $93,095,000 $268,285 $6,457 3.48%
    47% 336 $84,970,000 $252,887 $6,515 18.66%
    >60% 12 $3,390,000 $282,500 $9,495 4.00%

    First Federal Bank lent most frequently to those with DTI ratios of 20-30%, with 4,629 originations. The next most common DTI ratio? 30-36%, with 3,260 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 15,371 $3,990,285,000 $259,598 $5,034 3.23%
    Not provided 1,674 $461,740,000 $275,830 $5,517 3.24%
    Black 1,374 $356,890,000 $259,745 $6,359 7.08%
    Asian 482 $143,890,000 $298,527 $5,178 3.13%
    American Indian 76 $17,690,000 $232,763 $4,920 3.06%
    Asian Indian 26 $8,920,000 $343,077 $5,019 2.95%
    Native Hawaiian or Islander 27 $6,565,000 $243,148 $6,792 3.41%
    Not applicable 30 $4,050,000 $135,000 $0 5.24%
    Other Asian 9 $2,695,000 $299,444 $4,028 3.25%
    Filipino 7 $2,285,000 $326,429 $3,344 3.00%
    Chinese 8 $2,080,000 $260,000 $3,907 3.08%
    Korean 4 $1,060,000 $265,000 $3,426 2.94%
    Vietnamese 3 $765,000 $255,000 $4,284 2.88%

    Approval Rates

    Total approvals of all applications
    94.50%

    First Federal Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    84.74%

    First Federal Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 19,091 $4,998,915,000 $261,847

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 6 $2,270,000 $378,333
    Single Family (1-4 Units):Manufactured 362 $52,270,000 $144,392
    Single Family (1-4 Units):Site-Built 18,723 $4,944,375,000 $264,080

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 560 $98,980,000 $176,750 $3,420 3.08%
    40-60% 2,434 $570,480,000 $234,380 $3,896 5.08%
    60-80% 7,336 $1,978,650,000 $269,718 $4,547 3.16%
    80-100% 8,378 $2,241,610,000 $267,559 $6,095 3.40%
    Over 100% 173 $56,105,000 $324,306 $11,094 3.39%
    Under 20% 53 $6,085,000 $114,811 $2,472 4.59%

    Complaints

    Bank Name Product Issue 2020 CPFB Complaints % of Total Issues
    FIRST HORIZON BANK Conventional home mortgage Trouble during payment process 4 26.7%
    FIRST HORIZON BANK Other type of mortgage Struggling to pay mortgage 1 6.7%
    FIRST HORIZON BANK Other type of mortgage Trouble during payment process 2 13.3%
    FIRST HORIZON BANK Other type of mortgage Closing on a mortgage 2 13.3%
    FIRST HORIZON BANK Conventional home mortgage Closing on a mortgage 1 6.7%
    FIRST HORIZON BANK Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 1 6.7%
    FIRST HORIZON BANK Home equity loan or line of credit (HELOC) Trouble during payment process 1 6.7%
    FIRST HORIZON BANK Home equity loan or line of credit (HELOC) Applying for a mortgage or refinancing an existing mortgage 3 20.0%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    First Federal Bank 1012 Main Street Chipley, FL 32428 Full Service B&M $29,094
    First Federal Bank 1102 North Ohio Avenue Live Oak, FL 32064 Full Service B&M $32,779
    First Federal Bank 11035 County Road 136 Dowling Park, FL 32060 Full Service B&M $33,720
    First Federal Bank 1700 Ribaut Road Port Royal, SC 29935 Full Service B&M $21,723
    First Federal Bank 187 North Fletcher Avenue Mayo, FL 32066 Full Service B&M $29,851
    First Federal Bank 1891 South 14th Street Fernandina Beach, FL 32034 Full Service B&M $251,818
    First Federal Bank 2571 Us Highway 90 West Lake City, FL 32055 Full Service B&M $94,252
    First Federal Bank 300 North Waukesha Street Bonifay, FL 32425 Full Service B&M $101,409
    First Federal Bank 36 Sea Island Parkway Beaufort, SC 29907 Full Service B&M $74,820
    First Federal Bank 40 Floco Ave Yulee, FL 32097 Full Service B&M $2,130
    First Federal Bank 415 Richard Jackson Blvd Panama City, FL 32407 Full Service B&M $44,673
    First Federal Bank 4200 Sw 34th St Unit A Gainesville, FL 32608 Full Service B&M $20,954
    First Federal Bank 4215 Lafayette Street Marianna, FL 32446 Full Service B&M $62,750
    First Federal Bank 463845 State Road 200 Yulee, FL 32097 Full Service B&M $40,095
    First Federal Bank 4701 Highway 90 Marianna, FL 32446 Full Service B&M $79,109
    First Federal Bank 4705 West Us Highway 90 Lake City, FL 32055 Full Service B&M $669,776
    First Federal Bank 507 Hatley Street Sw Jasper, FL 32052 Full Service B&M $84,336
    First Federal Bank 5100 Sw 25th Boulevard Gainesville, FL 32608 Full Service B&M $18,530
    First Federal Bank 5860 W Hwy 40 Ocala, FL 34482 Full Service B&M $18,218
    First Federal Bank 707 Sw Main Blvd Lake City, FL 32025 Full Service B&M $94,209
    First Federal Bank 784 South 6th Street Macclenny, FL 32063 Full Service B&M $90,765
    First Federal Bank 804 Ohio Avenue South Live Oak, FL 32064 Full Service B&M $262,866
    First Federal Bank 8399 Sw 80th Street Ocala, FL 34481 Full Service B&M $1,843
    First Federal Bank 910 Sw 1st Ave Ocala, FL 34471 Full Service B&M $80,457
    First Federal Bank 962 8th Avenue Graceville, FL 32440 Full Service B&M $26,265

    For 2020, First Federal Bank had 25 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $95,255
    Net interest income $85,057
    Total noninterest income $157,670
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $4,618
    Trading account gains and fees $0
    Additional Noninterest Income $153,052
    Pre-tax net operating income $85,064
    Securities gains (or losses, -) $2,297
    Income before extraordinary items $65,728
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $65,728
    Minority interest net income $21
    Net income $65,707
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $63,913

    First Federal Bank's gross interest income from loans was $95,255,000.
    First Federal Bank's net interest income from loans was $85,057,000.
    First Federal Bank's fee based income from loans was $4,618,000.
    First Federal Bank's net income from loans was $65,707,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $10,198
    Provision for credit losses $20,782
    Total noninterest expense $136,881
    Salaries and employee benefits $82,775
    Premises and equipment expense $10,715
    Additional noninterest expense $43,391
    Applicable income taxes $21,633
    Net charge-offs $218
    Cash dividends $2,300

    First Federal Bank's interest expense for loans was $10,198,000.
    First Federal Bank's payroll and benefits expense were $82,775,000.
    First Federal Bank's property, plant and equipment expenses $10,715,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 2.0%
    Real Estate loans 2.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 13.0%
    1-4 family residential loans 3.0%
    HELOC loans 0.0%
    All other family 3.0%
    Commercial & industrial loans 2.0%
    Personal loans 1.0%
    Credit card loans 0.2%
    Other individual loans 2.0%
    Auto loans 0.0%
    Other consumer loans 2.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $2,554,918
    Deposits held in domestic offices $2,554,918
    Deposits by Individuals, partnerships, and corporations $2,048,273
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $500,005
    Deposits by Commercial banks and other depository institutions in U.S. $6,640
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $645,825
    Demand deposits $215,304
    Nontransaction accounts $1,909,093
    Money market deposit accounts (MMDAs) $1,437,846
    Other savings deposits (excluding MMDAs) $105,553
    Total time deposits $365,695
    Total time and savings deposits $2,339,614
    Noninterest-bearing deposits $215,407
    Interest-bearing deposits $2,339,511
    Retail deposits $2,021,164
    IRAs and Keogh plan accounts $35,813
    Brokered deposits $442,787
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $3,058,446
    Cash & Balances due from depository institutions $182,496
    Interest-bearing balances $158,113
    Total securities $933,570
    Federal funds sold & reverse repurchase $0
    Net loans and leases $1,675,626
    Loan and leases loss allowance $26,494
    Trading account assets $0
    Bank premises and fixed assets $39,955
    Other real estate owned $283
    Goodwill and other intangibles $100,238
    All other assets $126,278

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $3,058,446
    Total Liabilities $2,701,508
    Total deposits $2,554,918
    Interest-bearing deposits $2,339,511
    Deposits held in domestic offices $2,554,918
    % insured (estimated) $71
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $72,455
    Subordinated debt $0
    All other liabilities $74,135

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $1,675,626
    Loan and leases loss allowance $26,494
    Total loans and leases (domestic) $1,702,120
    All real estate loans $1,239,182
    Real estate loans in domestic offices $1,239,182
    Construction and development loans $82,270
    Residential 1-4 family construction $58,048
    Other construction, all land development and other land $24,222
    Loans secured by nonfarm nonresidential properties $244,099
    Nonfarm nonresidential secured by owner-occupied properties $110,082
    Commercial real estate & other non-farm, non-residential $134,017
    Multifamily residential real estate $3,093
    1-4 family residential loans $899,889
    Farmland loans $9,831
    Loans held in foreign offices $0
    Farm loans $2,116
    Commercial and industrial loans $137,291
    To non-U.S. addressees $0
    Loans to individuals $51,394
    Credit card loans $1,004
    Related Plans $64
    Consumer Auto Loans $4,479
    Other loans to individuals $45,847
    All other loans & leases $272,136
    Loans to foreign governments and official institutions $0
    Other loans $259,278
    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 $3,334
    Non 1-4 family restructured loans & leases $2,058
    Total loans and leases (foreign) $0

    First Federal Bank had $1,675,626,000 of loans outstanding in 2020. $1,239,182,000 of loans were in real estate loans. $82,270,000 of loans were in development loans. $3,093,000 of loans were in multifamily mortgage loans. $899,889,000 of loans were in 1-4 family mortgage loans. $2,116,000 of loans were in farm loans. $1,004,000 of loans were in credit card loans. $4,479,000 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 709 $125,231 $176,630
    Nonfarm, nonresidential loans - <$100k 201 $11,556 $57,493
    Nonfarm, nonresidential loans - $100-250k 233 $29,267 $125,609
    Nonfarm, nonresidential loans - $250k-1MM 275 $84,408 $306,938
    Commercial & Industrial, US addressed loans - <$1MM 1,321 $91,282 $69,101
    Commercial & Industrial, US addressed loans - <$100k 996 $29,736 $29,855
    Commercial & Industrial, US addressed loans - $100-250k 196 $22,278 $113,663
    Commercial & Industrial, US addressed loans - $250k-1MM 129 $39,268 $304,403
    Farmland loans - <$1MM 80 $6,969 $87,113
    Farmland loans - <$100k 45 $1,833 $40,733
    Farmland loans - $100-250k 27 $3,582 $132,667
    Farmland loans - $250k-1MM 8 $1,554 $194,250
    Agriculture operations loans - <$1MM 45 $1,617 $35,933
    Agriculture operations loans - <$100k 37 $961 $25,973
    Agriculture operations loans - $100-250k 5 $365 $73,000
    Agriculture operations loans - $250k-1MM 3 $291 $97,000