First Federal Bank, A at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B grade breaks down
Each component is a percentile rank among 581 mid-size mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
77th4.5% deniedPricingmedian rate spread over APOR, weight 30%
75th0.08 ptsProcesswithdrawn + incomplete share, weight 15%
23rd23.3%Closing coststotal loan costs ÷ loan amount, weight 10%
22nd3.09% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 1,735 | 1,213 | 3.7% | 4.9% | 6.38% | $297M |
| 2024 | 1,872 | 1,353 | 4.3% | 5.6% | 6.25% | $338M |
| 2025 | 1,836 | 1,328 | 3.4% | 4.5% | 6.25% | $334M |
What First Federal Bank, A lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 39 investment properties.
Why First Federal Bank, A denies applications
Primary reason reported for each of the 63 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at First Federal Bank, A
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 214 | 128 | 14.0% |
| $50k – $100k | 829 | 606 | 4.5% |
| $100k – $150k | 413 | 317 | 2.1% |
| $150k – $250k | 240 | 177 | 1.7% |
| Over $250k | 139 | 99 | 2.9% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 230 | 176 | 2.8% |
| 25–34 | 630 | 455 | 3.8% |
| 35–44 | 380 | 270 | 7.4% |
| 45–54 | 270 | 185 | 4.1% |
| 55–64 | 187 | 138 | 4.7% |
| 65–74 | 107 | 78 | 3.7% |
| Over 74 | 32 | 26 | 0.0% |
Where First Federal Bank, A lends
16 states and 93 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Alabama | 1,776 | 1,293 | 3.4% | 6.25% | #28 |
| Georgia | 18 | 11 | 0.0% | 6.25% | #588 |
| Mississippi | 7 | 5 | 14.3% | 6.38% | #311 |
| Tennessee | 7 | 6 | 0.0% | 6.19% | #680 |
| Texas | 7 | 2 | 0.0% | 5.88% | #1,028 |
| Florida | 5 | 3 | 20.0% | 6.13% | #1,092 |
| North Carolina | 5 | 3 | 0.0% | 6.00% | #761 |
Frequently asked questions
First Federal Bank, A denied 4.5% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 77th percentile of mid-size mortgage lenders.
The most common reason First Federal Bank, A gave in 2025 was "credit history", cited on 33.3% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans First Federal Bank, A originated in 2025 was 6.25%, and its median rate spread over the average prime offer rate was 0.08 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 92% of its applications were for home purchases, 8% for refinancing (including cash-out), and 0% for home improvement or other purposes. By loan type: 56% conventional, 35% FHA, 6% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.