First Fed Bank mortgage approval rate & lending review
First Fed Bank decided 284 mortgage applications and funded 205 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions First Fed Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
First Fed Bank at a glance
Approval is 5.3 points below the 77.5% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 74% | 82 / 111 | 100% | $425K | 82 |
| Home improvement loans | 67% | 49 / 73 | 100% | $235K | 49 |
| Refinance | 75% | 39 / 52 | 100% | $405K | 39 |
| Investment property purchase | 81% | 21 / 26 | 100% | $385K | 21 |
First Fed Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Washington | 72% | $405K | 284 | 205 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where First Fed Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Whatcom County, WA | Mortgage lenders | 83% | 46 | 38 |
| Whatcom County, WA | Home improvement loans | 77% | 35 | 27 |
| Whatcom County, WA | Refinance | 71% | 28 | 20 |
The county markets where First Fed Bank made the most loans. Each link opens that market with every lender ranked.
Questions about First Fed Bank
What is First Fed Bank's mortgage approval rate?
First Fed Bank approved 72.2% of the 284 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 5.3 points below the 77.5% national rate for the same mix of loan types.
How often do borrowers take the loan First Fed Bank offers?
Borrowers accepted 100% of the loans First Fed Bank approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does First Fed Bank make?
The typical home purchase mortgage loan First Fed Bank made was $425K; across all loan types its typical loan ran from $235K to $425K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does First Fed Bank lend?
First Fed Bank decided applications in 1 of the states Fat Boy Data covers, most of them in Washington.
Can I apply to First Fed Bank directly?
Yes. First Fed Bank is a bank or credit union with 14 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show First Fed Bank's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how First Fed Bank treats applications, then get a rate quote from the lender.