First Federal Savings Bank 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%
59th7.7% deniedProcesswithdrawn + incomplete share, weight 15%
71st7.2%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 463 | 393 | 2.8% | 3.0% | 6.88% | $110M |
| 2024 | 313 | 255 | 5.4% | 5.9% | 7.13% | $71M |
| 2025 | 209 | 160 | 7.2% | 7.7% | — | $32M |
What First Federal Savings Bank 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, 20 investment properties.
Why First Federal Savings Bank denies applications
Primary reason reported for each of the 15 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at First Federal Savings Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 36 | 23 | 18.2% |
| $50k – $100k | 69 | 59 | 2.9% |
| $100k – $150k | 51 | 37 | 10.6% |
| Over $250k | 20 | 15 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 23 | 15 | 8.7% |
| 25–34 | 51 | 41 | 6.1% |
| 35–44 | 34 | 29 | 6.5% |
| 45–54 | 32 | 20 | 10.7% |
| 55–64 | 25 | 21 | 4.4% |
| 65–74 | 22 | 16 | 15.0% |
Where First Federal Savings Bank lends
5 states and 15 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
First Federal Savings Bank denied 7.7% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 59th percentile of small mortgage lenders.
The most common reason First Federal Savings Bank gave in 2025 was "debt-to-income ratio", 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.
In 2025, 51% of its applications were for home purchases, 28% for refinancing (including cash-out), and 21% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% 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.