First Federal Bank & Trust 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 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
73rd5.0% deniedProcesswithdrawn + incomplete share, weight 15%
35th15.0%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 269 | 213 | 4.5% | 5.2% | 6.50% | $65M |
| 2025 | 234 | 188 | 4.3% | 5.0% | 7.00% | $67M |
What First Federal Bank & Trust 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, 4 manufactured homes, 42 investment properties.
Who gets approved at First Federal Bank & Trust
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 60 | 45 | 8.2% |
| $100k – $150k | 55 | 49 | 5.8% |
| $150k – $250k | 47 | 37 | 0.0% |
| Over $250k | 26 | 23 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 54 | 48 | 2.0% |
| 35–44 | 67 | 52 | 3.7% |
| 45–54 | 38 | 30 | 11.4% |
| 55–64 | 31 | 24 | 4.0% |
Where First Federal Bank & Trust lends
9 states and 24 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
First Federal Bank & Trust denied 5.0% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 73rd percentile of small mortgage lenders.
The median interest rate on loans First Federal Bank & Trust originated in 2025 was 7.00%, and its median rate spread over the average prime offer rate was 0.00 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 72% of its applications were for home purchases, 19% for refinancing (including cash-out), and 9% for home improvement or other purposes. By loan type: 90% conventional, 6% FHA, 4% 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.