First Federal Bank Mortgage Rates, Fees & Info
Lake City, FLLEI: Q708HHR4LD2B7XIZNO92
Tax ID: 59-0969721
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Mortgage Data
Review & Overview
First Federal Bank is a small bank specializing in 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, Charlotte, Jacksonville, Ocala, and Macon among others. We have data for 343 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
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This is not an official calculator from First Federal Bank. It uses our SimulatedRate™
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
4,433Origination Dollar Volume (All Markets)
$1,358,765,000Awards
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First Federal Bank - 2022
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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) | 896 | $346,470,000 | $386,685 | $7,079 | 4.55% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 388 | $112,800,000 | $290,722 | $6,251 | 4.61% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 241 | $81,535,000 | $338,320 | $7,656 | 4.83% |
| Outside of Metro Areas | 306 | $65,480,000 | $213,987 | $6,798 | 4.94% |
| OCALA, FL (FHA|USDA|VA) | 239 | $56,265,000 | $235,418 | $5,424 | 5.18% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 138 | $39,670,000 | $287,464 | $6,405 | 5.00% |
| ROCHESTER, MN (FHA|USDA|VA) | 95 | $26,165,000 | $275,421 | $4,663 | 4.84% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 79 | $25,845,000 | $327,152 | $10,124 | 4.88% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 69 | $24,925,000 | $361,232 | $6,543 | 4.47% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 55 | $23,665,000 | $430,273 | $5,266 | 3.99% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 82 | $22,820,000 | $278,293 | $6,713 | 5.10% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 51 | $20,675,000 | $405,392 | $12,285 | 4.58% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 62 | $19,550,000 | $315,323 | $9,271 | 4.56% |
| Lake City, FL (FHA|USDA|VA) | 73 | $15,605,000 | $213,767 | $6,611 | 4.92% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 38 | $14,080,000 | $370,526 | $8,108 | 4.55% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 26 | $10,930,000 | $420,385 | $12,099 | 4.51% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 27 | $10,185,000 | $377,222 | $9,205 | 4.81% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 29 | $10,005,000 | $345,000 | $10,068 | 4.88% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 34 | $9,670,000 | $284,412 | $10,184 | 4.59% |
| PANAMA CITY, FL (FHA|USDA|VA) | 33 | $9,405,000 | $285,000 | $7,712 | 5.11% |
| GAINESVILLE, FL (FHA|USDA|VA) | 29 | $9,035,000 | $311,552 | $8,527 | 4.71% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 28 | $8,740,000 | $312,143 | $9,547 | 4.52% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 24 | $8,610,000 | $358,750 | $10,769 | 4.92% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 24 | $7,580,000 | $315,833 | $7,735 | 4.61% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 15 | $7,495,000 | $499,667 | $9,241 | 3.79% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 24 | $7,390,000 | $307,917 | $10,824 | 4.68% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 19 | $7,295,000 | $383,947 | $10,694 | 4.28% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 25 | $6,555,000 | $262,200 | $9,959 | 4.75% |
| WAUSAU-WESTON, WI (FHA|USDA|VA) | 34 | $6,500,000 | $191,176 | $2,272 | 4.51% |
| GAINESVILLE, GA (FHA|USDA|VA) | 18 | $6,250,000 | $347,222 | $6,875 | 4.56% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 17 | $6,245,000 | $367,353 | $11,710 | 4.17% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 19 | $6,085,000 | $320,263 | $8,315 | 4.84% |
| Manitowoc, WI (FHA|USDA|VA) | 30 | $5,770,000 | $192,333 | $2,757 | 4.64% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 23 | $5,745,000 | $249,783 | $3,820 | 4.85% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 24 | $5,740,000 | $239,167 | $6,186 | 5.08% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 17 | $5,605,000 | $329,706 | $11,361 | 4.32% |
| RICHMOND, VA (FHA|USDA|VA) | 22 | $5,590,000 | $254,091 | $8,957 | 4.73% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 17 | $5,025,000 | $295,588 | $8,650 | 5.03% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 14 | $4,780,000 | $341,429 | $9,592 | 4.82% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 15 | $4,585,000 | $305,667 | $5,691 | 4.91% |
| PITTSBURGH, PA (FHA|USDA|VA) | 19 | $4,305,000 | $226,579 | $8,284 | 4.97% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 12 | $4,270,000 | $355,833 | $11,460 | 5.14% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 9 | $4,245,000 | $471,667 | $11,571 | 3.83% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 10 | $4,170,000 | $417,000 | $8,425 | 4.69% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 16 | $4,160,000 | $260,000 | $5,225 | 4.41% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 17 | $3,955,000 | $232,647 | $5,652 | 5.53% |
| EL PASO, TX (FHA|USDA|VA) | 13 | $3,665,000 | $281,923 | $8,609 | 5.08% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 15 | $3,615,000 | $241,000 | $6,616 | 3.72% |
| Palatka, FL (FHA|USDA|VA) | 16 | $3,600,000 | $225,000 | $7,213 | 5.55% |
| ASHEVILLE, NC (FHA|USDA|VA) | 9 | $3,595,000 | $399,444 | $7,221 | 4.46% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 12 | $3,570,000 | $297,500 | $9,566 | 4.85% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 6 | $3,530,000 | $588,333 | $19,977 | 5.48% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 7 | $3,515,000 | $502,143 | $13,276 | 4.30% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 15 | $3,485,000 | $232,333 | $7,501 | 4.84% |
| COLUMBIA, SC (FHA|USDA|VA) | 14 | $3,480,000 | $248,571 | $6,537 | 4.90% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 11 | $3,355,000 | $305,000 | $8,001 | 4.75% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 11 | $3,305,000 | $300,455 | $8,739 | 5.08% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 14 | $3,290,000 | $235,000 | $5,719 | 4.24% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 13 | $3,245,000 | $249,615 | $6,781 | 5.05% |
| MONTGOMERY, AL (FHA|USDA|VA) | 15 | $2,965,000 | $197,667 | $4,980 | 5.18% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 3 | $2,955,000 | $985,000 | $21,489 | 5.63% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 12 | $2,950,000 | $245,833 | $6,869 | 4.71% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 9 | $2,895,000 | $321,667 | $10,297 | 4.86% |
| SAVANNAH, GA (FHA|USDA|VA) | 9 | $2,855,000 | $317,222 | $9,793 | 4.15% |
| COLUMBUS, OH (FHA|USDA|VA) | 8 | $2,730,000 | $341,250 | $12,495 | 4.41% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 5 | $2,725,000 | $545,000 | $12,361 | 4.80% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 8 | $2,680,000 | $335,000 | $10,926 | 4.33% |
| ROCKFORD, IL (FHA|USDA|VA) | 21 | $2,595,000 | $123,571 | $3,522 | 4.80% |
| St. Marys, GA (FHA|USDA|VA) | 8 | $2,510,000 | $313,750 | $9,098 | 3.91% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 11 | $2,405,000 | $218,636 | $6,010 | 4.85% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 8 | $2,400,000 | $300,000 | $9,547 | 4.47% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 9 | $2,365,000 | $262,778 | $9,854 | 4.79% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 13 | $2,305,000 | $177,308 | $4,526 | 4.41% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 5 | $2,265,000 | $453,000 | $12,440 | 4.90% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 6 | $2,250,000 | $375,000 | $13,217 | 4.13% |
| DOTHAN, AL (FHA|USDA|VA) | 14 | $2,240,000 | $160,000 | $6,287 | 4.88% |
| Ozark, AL (FHA|USDA|VA) | 10 | $2,210,000 | $221,000 | $7,930 | 4.81% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 5 | $2,195,000 | $439,000 | $6,143 | 3.78% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 6 | $2,190,000 | $365,000 | $7,250 | 4.69% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 7 | $2,165,000 | $309,286 | $6,263 | 5.46% |
| LOUISVILLE, KY (FHA|USDA|VA) | 7 | $2,155,000 | $307,857 | $6,884 | 5.82% |
| Jefferson, GA (FHA|USDA|VA) | 7 | $2,155,000 | $307,857 | $6,665 | 4.43% |
| VALLEJO, CA (FHA|USDA|VA) | 4 | $2,130,000 | $532,500 | $24,929 | 4.06% |
| Key West, FL (FHA|USDA|VA) | 5 | $2,125,000 | $425,000 | $8,480 | 3.80% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 7 | $2,085,000 | $297,857 | $5,537 | 4.36% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 5 | $2,085,000 | $417,000 | $9,122 | 5.23% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 7 | $2,035,000 | $290,714 | $10,504 | 4.13% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 7 | $2,035,000 | $290,714 | $9,165 | 6.11% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 6 | $2,010,000 | $335,000 | $9,818 | 3.88% |
| Stevens Point, WI (FHA|USDA|VA) | 8 | $1,890,000 | $236,250 | $2,049 | 5.28% |
| SPARTANBURG, SC (FHA|USDA|VA) | 8 | $1,850,000 | $231,250 | $8,741 | 4.58% |
| WILMINGTON, NC (FHA|USDA|VA) | 6 | $1,850,000 | $308,333 | $5,829 | 3.92% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 6 | $1,850,000 | $308,333 | $10,358 | 4.33% |
| NORWICH-NEW LONDON, CT (FHA|USDA|VA) | 5 | $1,785,000 | $357,000 | $15,888 | 4.55% |
| Wisconsin Rapids-Marshfield, WI (FHA|USDA|VA) | 15 | $1,765,000 | $117,667 | $2,349 | 3.96% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 4 | $1,700,000 | $425,000 | $13,472 | 5.09% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 9 | $1,625,000 | $180,556 | $5,208 | 4.18% |
| GREEN BAY, WI (FHA|USDA|VA) | 9 | $1,595,000 | $177,222 | $2,455 | 4.94% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 6 | $1,590,000 | $265,000 | $11,936 | 4.58% |
| TULSA, OK (FHA|USDA|VA) | 5 | $1,485,000 | $297,000 | $6,064 | 4.62% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 4 | $1,460,000 | $365,000 | $13,663 | 5.34% |
| BATON ROUGE, LA (FHA|USDA|VA) | 5 | $1,455,000 | $291,000 | $9,146 | 4.57% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 4 | $1,410,000 | $352,500 | $9,532 | 4.59% |
| MOBILE, AL (FHA|USDA|VA) | 6 | $1,390,000 | $231,667 | $3,978 | 4.98% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 4 | $1,390,000 | $347,500 | $16,642 | 5.65% |
| Seneca, SC (FHA|USDA|VA) | 2 | $1,370,000 | $685,000 | $5,269 | 4.25% |
| TUCSON, AZ (FHA|USDA|VA) | 4 | $1,350,000 | $337,500 | $9,363 | 5.25% |
| EAU CLAIRE, WI (FHA|USDA|VA) | 6 | $1,320,000 | $220,000 | $3,612 | 4.38% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 3 | $1,305,000 | $435,000 | $10,932 | 4.29% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 4 | $1,280,000 | $320,000 | $11,268 | 5.25% |
| BRUNSWICK, GA (FHA|USDA|VA) | 6 | $1,280,000 | $213,333 | $6,265 | 4.56% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 6 | $1,270,000 | $211,667 | $10,599 | 4.25% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 6 | $1,260,000 | $210,000 | $9,228 | 4.85% |
| Shelby, NC (FHA|USDA|VA) | 6 | $1,260,000 | $210,000 | $9,041 | 5.19% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 3 | $1,255,000 | $418,333 | $13,228 | 4.13% |
| LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) | 6 | $1,230,000 | $205,000 | $4,017 | 4.71% |
| Enterprise, AL (FHA|USDA|VA) | 5 | $1,215,000 | $243,000 | $5,688 | 3.78% |
| Watertown-Fort Atkinson, WI (FHA|USDA|VA) | 7 | $1,205,000 | $172,143 | $2,363 | 3.82% |
| AKRON, OH (FHA|USDA|VA) | 4 | $1,200,000 | $300,000 | $9,906 | 3.75% |
| THE VILLAGES, FL (FHA|USDA|VA) | 4 | $1,190,000 | $297,500 | $9,080 | 4.34% |
| KNOXVILLE, TN (FHA|USDA|VA) | 4 | $1,160,000 | $290,000 | $9,600 | 4.84% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 2 | $1,150,000 | $575,000 | $20,618 | 5.18% |
| SUMTER, SC (FHA|USDA|VA) | 5 | $1,065,000 | $213,000 | $7,457 | 4.48% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 3 | $1,045,000 | $348,333 | $10,211 | 4.83% |
| Milledgeville, GA (FHA|USDA|VA) | 2 | $1,040,000 | $520,000 | $3,292 | 4.56% |
| WINCHESTER, VA-WV (FHA|USDA|VA) | 4 | $1,030,000 | $257,500 | $10,294 | 4.72% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 2 | $1,030,000 | $515,000 | $10,218 | 5.81% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 2 | $1,030,000 | $515,000 | $11,304 | 4.75% |
| ROCHESTER, NY (FHA|USDA|VA) | 7 | $1,015,000 | $145,000 | $5,281 | 6.21% |
| DECATUR, AL (FHA|USDA|VA) | 4 | $1,010,000 | $252,500 | $6,264 | 3.69% |
| Beaver Dam, WI (FHA|USDA|VA) | 6 | $1,010,000 | $168,333 | $1,976 | 5.08% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 3 | $1,005,000 | $335,000 | $4,757 | 4.75% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 3 | $965,000 | $321,667 | $11,798 | 4.00% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 4 | $950,000 | $237,500 | $9,329 | 4.22% |
| FOND DU LAC, WI (FHA|USDA|VA) | 5 | $905,000 | $181,000 | $4,297 | 5.90% |
| Gaffney, SC (FHA|USDA|VA) | 5 | $905,000 | $181,000 | $3,593 | 4.63% |
| TOLEDO, OH (FHA|USDA|VA) | 4 | $900,000 | $225,000 | $5,600 | 5.50% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 5 | $895,000 | $179,000 | $5,500 | 4.95% |
| SHEBOYGAN, WI (FHA|USDA|VA) | 4 | $890,000 | $222,500 | $2,594 | 3.97% |
| FORT COLLINS, CO (FHA|USDA|VA) | 2 | $890,000 | $445,000 | $5,685 | 5.44% |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) | 2 | $880,000 | $440,000 | $10,977 | 5.50% |
| MADISON, WI (FHA|USDA|VA) | 4 | $870,000 | $217,500 | $3,050 | 4.25% |
| CANTON-MASSILLON, OH (FHA|USDA|VA) | 2 | $860,000 | $430,000 | $6,058 | 4.44% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 3 | $835,000 | $278,333 | $10,521 | 5.29% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 3 | $835,000 | $278,333 | $4,227 | 5.08% |
| Winona, MN (FHA|USDA|VA) | 3 | $815,000 | $271,667 | $4,715 | 4.96% |
| RACINE, WI (FHA|USDA|VA) | 3 | $805,000 | $268,333 | $10,211 | 5.21% |
| WICHITA, KS (FHA|USDA|VA) | 2 | $790,000 | $395,000 | $9,049 | 5.19% |
| JACKSON, MS (FHA|USDA|VA) | 3 | $785,000 | $261,667 | $9,940 | 5.96% |
| CHARLESTON, WV (FHA|USDA|VA) | 4 | $770,000 | $192,500 | $4,479 | 5.00% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 2 | $770,000 | $385,000 | $8,727 | 4.06% |
| PUEBLO, CO (FHA|USDA|VA) | 2 | $760,000 | $380,000 | $9,837 | 6.50% |
| Dublin, GA (FHA|USDA|VA) | 3 | $755,000 | $251,667 | $8,783 | 5.08% |
| VALDOSTA, GA (FHA|USDA|VA) | 4 | $750,000 | $187,500 | $7,317 | 4.09% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 2 | $740,000 | $370,000 | $17,185 | 3.31% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 3 | $725,000 | $241,667 | $6,045 | 4.83% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 3 | $715,000 | $238,333 | $2,786 | 6.33% |
| Oxford, MS (FHA|USDA|VA) | 2 | $700,000 | $350,000 | $8,243 | 5.63% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 2 | $690,000 | $345,000 | $13,272 | 3.38% |
| Red Wing, MN (FHA|USDA|VA) | 3 | $685,000 | $228,333 | $4,872 | 3.88% |
| Outside of Metro Areas | 1 | $665,000 | $665,000 | $17,027 | 3.38% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 1 | $645,000 | $645,000 | $8,285 | 3.88% |
| Gardnerville Ranchos, NV (FHA|USDA|VA) | 1 | $645,000 | $645,000 | $4,968 | 4.38% |
| MANKATO, MN (FHA|USDA|VA) | 2 | $630,000 | $315,000 | $4,763 | 4.06% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $13,515 | 5.06% |
| JANESVILLE-BELOIT, WI (FHA|USDA|VA) | 3 | $595,000 | $198,333 | $8,456 | 3.75% |
| VISALIA, CA (FHA|USDA|VA) | 2 | $590,000 | $295,000 | $13,405 | 5.18% |
| LaGrange, GA-AL (FHA|USDA|VA) | 3 | $585,000 | $195,000 | $4,900 | 4.42% |
| TERRE HAUTE, IN (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $4,794 | 5.38% |
| BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $9,256 | 6.50% |
| Austin, MN (FHA|USDA|VA) | 4 | $570,000 | $142,500 | $3,516 | 4.25% |
| SALEM, OR (FHA|USDA|VA) | 1 | $565,000 | $565,000 | $7,582 | 5.38% |
| ROANOKE, VA (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $4,033 | 5.75% |
| Payson, AZ (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $9,287 | 5.00% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $4,017 | 5.25% |
| ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $6,349 | 4.38% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $14,018 | 3.38% |
| ALBANY, GA (FHA|USDA|VA) | 3 | $545,000 | $181,667 | $4,254 | 4.79% |
| MEDFORD, OR (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $8,533 | 6.49% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $12,256 | 4.56% |
| DOVER, DE (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $14,177 | 4.44% |
| Owatonna, MN (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $7,086 | 4.13% |
| Dixon, IL (FHA|USDA|VA) | 4 | $530,000 | $132,500 | $4,838 | 4.13% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 1 | $525,000 | $525,000 | $11,573 | 6.63% |
| HANFORD-CORCORAN, CA (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $6,847 | 6.49% |
| LEWISTON-AUBURN, ME (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $5,802 | 3.69% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $12,965 | 5.75% |
| ANN ARBOR, MI (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $6,159 | 2.75% |
| EVANSVILLE, IN-KY (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $4,839 | 4.19% |
| Jamestown-Dunkirk-Fredonia, NY (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $4,704 | 6.44% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $4,790 | 4.13% |
| Albemarle, NC (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $3,730 | 4.50% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $8,641 | 3.69% |
| Albertville, AL (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $5,263 | 5.81% |
| GOLDSBORO, NC (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $6,794 | 4.63% |
| SYRACUSE, NY (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $11,538 | 5.50% |
| Clewiston, FL (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $11,574 | 5.06% |
| Faribault-Northfield, MN (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $3,410 | 3.88% |
| Taos, NM (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $7,892 | 6.50% |
| Baraboo, WI (FHA|USDA|VA) | 3 | $475,000 | $158,333 | $4,466 | 4.29% |
| Evanston, WY (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $3,771 | 6.00% |
| Augusta-Waterville, ME (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $9,100 | 4.62% |
| DALTON, GA (FHA|USDA|VA) | 3 | $465,000 | $155,000 | $6,320 | 5.29% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $21,725 | 8.00% |
| NAPA, CA (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $3,200 | 4.38% |
| Boone, NC (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $5,933 | 5.38% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $3,398 | 4.88% |
| Lewisburg, TN (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $17,327 | 6.00% |
| Rockport, TX (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $5,836 | 5.50% |
| PROVO-OREM, UT (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $19,980 | 3.25% |
| LAWTON, OK (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $5,088 | 6.06% |
| JONESBORO, AR (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $5,860 | 6.49% |
| Laramie, WY (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $6,430 | 7.50% |
| RAPID CITY, SD (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $3,470 | 3.50% |
| Greeneville, TN (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $11,597 | 3.50% |
| BOISE CITY, ID (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $12,612 | 2.75% |
| ANCHORAGE, AK (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $19,136 | 6.49% |
| Ashland, OH (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $8,893 | 6.63% |
| FARGO, ND-MN (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $5,582 | 8.00% |
| ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $4,504 | 2.88% |
| LAWRENCE, KS (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $2,746 | 6.25% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $10,884 | 3.75% |
| HATTIESBURG, MS (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $5,535 | 4.25% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $13,694 | 3.88% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $22,890 | 2.75% |
| Okeechobee, FL (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $7,093 | 5.25% |
| TWIN FALLS, ID (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $11,059 | 3.50% |
| Clovis, NM (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $9,316 | 5.00% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $4,356 | 4.38% |
| SIOUX FALLS, SD (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $5,182 | 7.50% |
| Morehead City, NC (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $8,085 | 4.81% |
| Tifton, GA (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $9,521 | 5.13% |
| MODESTO, CA (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $16,974 | 2.75% |
| Forest City, NC (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $3,314 | 3.25% |
| YUMA, AZ (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $11,051 | 6.00% |
| ALTOONA, PA (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $9,084 | 6.00% |
| HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $7,006 | 4.31% |
| Alexander City, AL (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $4,709 | 5.06% |
| Barre, VT (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $22,226 | 3.88% |
| GREELEY, CO (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $6,146 | 4.63% |
| READING, PA (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $10,927 | 5.00% |
| Tullahoma-Manchester, TN (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $5,329 | 6.49% |
| BURLINGTON, NC (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $5,507 | 5.25% |
| Cornelia, GA (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $4,721 | 4.63% |
| LYNCHBURG, VA (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $5,045 | 7.50% |
| CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $16,726 | 2.25% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $4,433 | 7.25% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $17,833 | 4.75% |
| Duncan, OK (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $4,154 | 6.75% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $3,669 | 3.25% |
| Lebanon, NH-VT (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $3,870 | 2.38% |
| FRESNO, CA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $6,494 | 3.63% |
| WATERTOWN-FORT DRUM, NY (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $16,193 | 6.49% |
| Crossville, TN (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $10,926 | 5.49% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $12,975 | 4.13% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $7,851 | 5.19% |
| Calhoun, GA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $6,703 | 3.75% |
| ST. JOSEPH, MO-KS (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $18,919 | 4.38% |
| Americus, GA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $7,703 | 6.00% |
| Henderson, NC (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $5,602 | 4.38% |
| APPLETON, WI (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $2,146 | 5.19% |
| Talladega-Sylacauga, AL (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $3,975 | 4.88% |
| BOWLING GREEN, KY (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $13,972 | 7.50% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $9,790 | 3.38% |
| ROCKY MOUNT, NC (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $16,367 | 5.63% |
| Ardmore, OK (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $5,591 | 7.50% |
| Cañon City, CO (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $8,920 | 4.00% |
| Georgetown, SC (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $5,804 | 5.88% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $11,514 | 5.00% |
| Batavia, NY (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $9,864 | 5.75% |
| McAlester, OK (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $5,546 | 6.49% |
| Summerville, GA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $6,656 | 4.63% |
| Cordele, GA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $6,042 | 3.50% |
| Statesboro, GA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $7,072 | 5.00% |
| Moses Lake, WA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $4,963 | 3.88% |
| LINCOLN, NE (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $3,306 | 3.88% |
| Seneca Falls, NY (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $10,265 | 5.49% |
| Coldwater, MI (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $4,117 | 7.50% |
| BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $4,764 | 2.75% |
| Warsaw, IN (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,940 | 5.00% |
| Brainerd, MN (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $4,879 | 2.88% |
| Minden, LA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $7,950 | 3.25% |
| YAKIMA, WA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $9,517 | 4.50% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $9,143 | 3.50% |
| Roseburg, OR (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $17,908 | 4.88% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $7,801 | 5.49% |
| CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $14,496 | 3.13% |
| DuBois, PA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $4,796 | 4.25% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $8,422 | 4.38% |
| Spirit Lake, IA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $7,253 | 2.88% |
| Wooster, OH (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $4,803 | 5.38% |
| Bainbridge, GA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $9,559 | 2.88% |
| Torrington, CT (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $2,379 | 3.99% |
| Fort Leonard Wood, MO (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,258 | 8.00% |
| TYLER, TX (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $0 | 6.25% |
| Marion, OH (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $7,535 | 4.25% |
| MANHATTAN, KS (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $5,312 | 3.63% |
| Lufkin, TX (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $4,879 | 4.13% |
| Mount Airy, NC (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $6,220 | 5.13% |
| MIDLAND, MI (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $5,261 | 4.25% |
| Marshalltown, IA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,932 | 7.50% |
| Findlay, OH (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $13,862 | 3.50% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $7,435 | 5.25% |
| BAY CITY, MI (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $5,737 | 2.25% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $0 | 6.19% |
| CUMBERLAND, MD-WV (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $6,913 | 3.50% |
| WEIRTON-STEUBENVILLE, WV-OH (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,763 | 2.75% |
| JACKSON, MI (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $7,168 | 4.50% |
| CLEVELAND, TN (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $6,319 | 6.50% |
| Bellefontaine, OH (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $13,836 | 4.38% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,133 | 6.49% |
| Martinsville, VA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $9,610 | 4.38% |
| Logansport, IN (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,571 | 6.49% |
| Sterling, IL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,458 | 6.49% |
| Toccoa, GA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $5,992 | 3.63% |
| Fremont, OH (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $9,840 | 7.50% |
| Douglas, GA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $11,658 | 4.25% |
| WACO, TX (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,835 | 3.25% |
| JOHNSTOWN, PA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $7,923 | 5.49% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $7,924 | 3.88% |
| Marinette, WI-MI (FHA|USDA|VA) | 2 | $170,000 | $85,000 | $1,948 | 4.25% |
| Fort Payne, AL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $7,615 | 3.88% |
| JOHNSON CITY, TN (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $6,419 | 4.63% |
| LAKE CHARLES, LA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $5,922 | 7.00% |
| Freeport, IL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $5,379 | 3.38% |
| BATTLE CREEK, MI (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $11,678 | 5.49% |
| Troy, AL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,738 | 3.50% |
| FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,683 | 7.50% |
| ELKHART-GOSHEN, IN (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $6,648 | 6.00% |
| Iron Mountain, MI-WI (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,229 | 2.75% |
| Greenwood, SC (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 4.00% |
| Galesburg, IL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $1,822 | 5.38% |
| LAS CRUCES, NM (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $4,093 | 4.88% |
| SEBRING-AVON PARK, FL (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $4,669 | 4.88% |
| Pella, IA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $5,340 | 5.13% |
| Bennettsville, SC (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $4,119 | 5.63% |
| MONROE, LA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $4,163 | 5.38% |
| DULUTH, MN-WI (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,333 | 4.13% |
| Union City, TN (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $4,469 | 3.50% |
| Jesup, GA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $6,213 | 4.25% |
| BECKLEY, WV (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $2,317 | 4.00% |
| OSHKOSH-NEENAH, WI (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $2,312 | 3.25% |
| Connersville, IN (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $1,814 | 7.00% |
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Product Mix
For 2022, First Federal Bank's most frequently originated type of loan was Conventional, with 3,049 originations. Their 2nd most popular type was VA, with 682 originations.
Loan Reason
For 2022, First Federal Bank's most frequently cited loan purpose was Home Purchase, with 2,968 originations. The 2nd most popular reason was Cash Out Refi, with 1,064 originations.
Loan Duration/Length
For 2022, First Federal Bank's most frequently cited loan duration was 30 Year, with 3,802 originations. The 2nd most popular length was 15 Year, with 295 originations.
Origination Fees/Closing Costs
First Federal Bank's average total fees were $7,420, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,074 originations.
Interest Rates
During 2022, First Federal Bank's average interest rate for loans was 4.76%, while their most frequently originated rate bucket for loans was 3-4%, with 1,198 originations.
Loan Sizing
2022 saw First Federal Bank place emphasis on $200k-400k loans with 2,164 originations, totaling $626,160,000 in origination value.
Applicant Income
First Federal Bank lent most frequently to those with incomes in the $100k-150k range, with 1,067 originations. The second most popular income band? $50k-75k, with 951 originations.
Applicant Debt to Income Ratio
First Federal Bank lent most frequently to those with DTI ratios of 30-36%, with 765 originations. The next most common DTI ratio? 20-30%, with 759 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications90.48%
First Federal Bank has an average approval rate.
Pick Rate
Approvals leading to origination82.72%
First Federal Bank has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 4,433 | $1,358,765,000 | $306,511 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 4,433 | $1,358,765,000 | $306,511 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2022 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| FIRST CITIZENS BANCSHARES, INC. | Home equity loan or line of credit (HELOC) | Applying for a mortgage or refinancing an existing mortgage | 1 | 100.0% |