First Federal Bank (Florida) mortgage approval rate & lending review
First Federal Bank (Florida) decided 10,928 mortgage applications and funded 9,467 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions First Federal Bank (Florida) reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
First Federal Bank (Florida) at a glance
Approval is 2.0 points above the 85.1% 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 | 89% | 7,506 / 8,389 | 99% | $355K | 7,464 |
| Home improvement loans | 81% | 35 / 43 | 100% | $175K | 35 |
| Cash-out refinance | 68% | 556 / 818 | 99% | $295K | 552 |
| Refinance | 85% | 646 / 764 | 99% | $435K | 642 |
| Investment property purchase | 88% | 676 / 772 | 100% | $265K | 673 |
| Investment cash-out refinance | 59% | 32 / 54 | 100% | $225K | 32 |
| Investment refinance | 81% | 55 / 68 | 98% | $285K | 54 |
First Federal Bank (Florida) lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Florida | 85% | $285K | 1,906 | 1,609 |
| Georgia | 94% | $405K | 1,365 | 1,257 |
| South Carolina | 89% | $275K | 875 | 776 |
| North Carolina | 89% | $335K | 676 | 598 |
| Texas | 83% | $405K | 524 | 432 |
| Illinois | 82% | $315K | 418 | 341 |
| Minnesota | 94% | $275K | 326 | 304 |
| New Jersey | 87% | $545K | 313 | 271 |
| California | 84% | $725K | 312 | 261 |
| Missouri | 85% | $305K | 293 | 249 |
| Maryland | 84% | $515K | 286 | 239 |
| Wisconsin | 90% | $245K | 274 | 246 |
| Virginia | 87% | $545K | 270 | 235 |
| Pennsylvania | 88% | $305K | 248 | 216 |
| Kansas | 82% | $355K | 242 | 198 |
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 Federal Bank (Florida) lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| York County, SC | Mortgage lenders | 93% | 420 | 389 |
| Duval County, FL | Mortgage lenders | 87% | 341 | 294 |
| Marion County, FL | Mortgage lenders | 93% | 309 | 285 |
| Fulton County, GA | Mortgage lenders | 97% | 267 | 248 |
| Cobb County, GA | Mortgage lenders | 98% | 221 | 210 |
| DeKalb County, GA | Mortgage lenders | 97% | 191 | 186 |
| Olmsted County, MN | Mortgage lenders | 99% | 149 | 146 |
| Lancaster County, SC | Mortgage lenders | 94% | 97 | 91 |
| Clay County, FL | Mortgage lenders | 92% | 97 | 89 |
| Cherokee County, GA | Mortgage lenders | 100% | 80 | 80 |
| Johnson County, KS | Mortgage lenders | 80% | 100 | 80 |
| Gaston County, NC | Mortgage lenders | 96% | 70 | 66 |
The county markets where First Federal Bank (Florida) made the most loans. Each link opens that market with every lender ranked.
Questions about First Federal Bank (Florida)
What is First Federal Bank (Florida)'s mortgage approval rate?
First Federal Bank (Florida) approved 87.1% of the 10,928 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 2.0 points above the 85.1% national rate for the same mix of loan types.
How often do borrowers take the loan First Federal Bank (Florida) offers?
Borrowers accepted 99% of the loans First Federal Bank (Florida) 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 Federal Bank (Florida) make?
The typical home purchase mortgage loan First Federal Bank (Florida) made was $355K; across all loan types its typical loan ran from $175K to $435K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does First Federal Bank (Florida) lend?
First Federal Bank (Florida) decided applications in 51 of the states Fat Boy Data covers, most of them in Florida, Georgia and South Carolina.
Can I apply to First Federal Bank (Florida) directly?
Yes. First Federal Bank (Florida) is a bank or credit union with 55 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show First Federal Bank (Florida)'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 Federal Bank (Florida) treats applications, then get a rate quote from the lender.