First Federal Bank Mortgage Lending & HMDA Data, 2025
In 2025, First Federal Bank of Lake City, FL reported 7,998 mortgage applications totaling $3.1 billion, about the same as 2024. The average application was for $393,579, and applicants reported an average income of $166,871. 59% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Jacksonville, FL (527), Charlotte-Concord-Gastonia, NC-SC (468) and Atlanta-Sandy Springs-Roswell, GA (286) (applications in parentheses).
| Mortgage Company & Address | First Federal Bank 4705 US Hwy 90 W Lake City, FL 32055 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 7,998 |
| Total Mortgage Loan Application Amount | $3,147,850,000 |
| Average Mortgage Loan Application Amount | $393,579 |
| Highest Mortgage Loan Application Amount | $2,755,000 |
| Average Applicant Income | $166,871 |
| Highest Applicant Income | $2,917,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records First Federal Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Outside any metro area | 1,137 | $ 344,155,000 | $ 302,686 | $ 133,863 |
| Jacksonville, FL | 527 | $ 133,895,000 | $ 254,070 | $ 117,000 |
| Charlotte-Concord-Gastonia, NC-SC | 468 | $ 153,960,000 | $ 328,974 | $ 125,895 |
| Atlanta-Sandy Springs-Roswell, GA | 286 | $ 138,880,000 | $ 485,594 | $ 214,000 |
| Kansas City, MO-KS | 276 | $ 86,350,000 | $ 312,862 | $ 126,000 |
| Chicago-Naperville, IL | 154 | $ 62,980,000 | $ 408,961 | $ 179,000 |
| Arlington-Alexandria-Reston, VA-WV | 139 | $ 85,025,000 | $ 611,690 | $ 232,539 |
| Marietta, GA | 128 | $ 51,100,000 | $ 399,218 | $ 195,000 |
| Houston-The Woodlands-Sugar Land, TX | 108 | $ 44,600,000 | $ 412,962 | $ 209,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 104 | $ 38,770,000 | $ 372,788 | $ 165,576 |
| Lakewood-New Brunswick, NJ | 98 | $ 54,530,000 | $ 556,428 | $ 238,000 |
| Orlando-Kissimmee-Sanford, FL | 92 | $ 36,670,000 | $ 398,586 | $ 163,000 |
| Ocala, FL | 86 | $ 19,390,000 | $ 225,465 | $ 122,000 |
| Dallas-Plano-Irving, TX | 81 | $ 41,485,000 | $ 512,160 | $ 205,000 |
| Indianapolis-Carmel-Anderson, IN | 79 | $ 27,535,000 | $ 348,544 | $ 190,000 |
| Baltimore-Columbia-Towson, MD | 76 | $ 41,130,000 | $ 541,184 | $ 209,000 |
| Phoenix-Mesa-Scottsdale, AZ | 67 | $ 30,475,000 | $ 454,850 | $ 186,000 |
| New York-Jersey City-White Plains, NY-NJ | 65 | $ 39,395,000 | $ 606,076 | $ 208,492 |
| St. Louis, MO-IL | 65 | $ 25,395,000 | $ 390,692 | $ 182,861 |
| Cambridge-Newton-Framingham, MA | 60 | $ 39,530,000 | $ 658,833 | $ 226,000 |
| Davenport-Moline-Rock Island, IA-IL | 59 | $ 9,535,000 | $ 161,610 | $ 83,644 |
| Denver-Aurora-Lakewood, CO | 59 | $ 34,015,000 | $ 576,525 | $ 256,000 |
| Tampa, FL | 59 | $ 25,135,000 | $ 426,016 | $ 163,000 |
| Las Vegas-Henderson-Paradise, NV | 56 | $ 28,810,000 | $ 514,464 | $ 193,000 |
| Columbia, SC | 54 | $ 15,850,000 | $ 293,518 | $ 107,000 |
| Newark, NJ-PA | 54 | $ 32,810,000 | $ 607,592 | $ 251,000 |
| Raleigh, NC | 54 | $ 23,880,000 | $ 442,222 | $ 172,000 |
| Cincinnati, OH-KY-IN | 53 | $ 18,685,000 | $ 352,547 | $ 137,094 |
| Washington, DC-MD | 53 | $ 30,075,000 | $ 567,452 | $ 216,377 |
| Rochester, MN | 51 | $ 15,605,000 | $ 305,980 | $ 145,000 |
| Montgomery County-Bucks County-Chester County, PA | 50 | $ 26,330,000 | $ 526,600 | $ 209,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 50 | $ 26,740,000 | $ 534,800 | $ 192,000 |
| Gainesville, FL | 48 | $ 15,630,000 | $ 325,625 | $ 150,000 |
| Columbus, OH | 47 | $ 19,405,000 | $ 412,872 | $ 200,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 46 | $ 19,980,000 | $ 434,347 | $ 161,000 |
| Austin-Round Rock, TX | 45 | $ 20,135,000 | $ 447,444 | $ 225,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 45 | $ 16,885,000 | $ 375,222 | $ 192,000 |
| Panama City, FL | 45 | $ 15,725,000 | $ 349,444 | $ 153,000 |
| Seattle-Bellevue-Everett, WA | 44 | $ 31,740,000 | $ 721,363 | $ 269,000 |
| Albuquerque, NM | 43 | $ 16,545,000 | $ 384,767 | $ 173,000 |
| Los Angeles-Long Beach-Glendale, CA | 43 | $ 33,525,000 | $ 779,651 | $ 269,000 |
| Washington-Baltimore-Arlington, DC | 43 | $ 26,195,000 | $ 609,186 | $ 230,000 |
| Richmond, VA | 42 | $ 17,040,000 | $ 405,714 | $ 149,000 |
| Pittsburgh, PA | 40 | $ 10,550,000 | $ 263,750 | $ 130,000 |
| Charleston-North Charleston, SC | 38 | $ 16,580,000 | $ 436,315 | $ 204,000 |
| San Diego-Carlsbad, CA | 38 | $ 25,720,000 | $ 676,842 | $ 326,000 |
| Hartford-West Hartford-East Hartford, CT | 37 | $ 15,645,000 | $ 422,837 | $ 190,000 |
| Riverside-San Bernardino-Ontario, CA | 37 | $ 21,685,000 | $ 586,081 | $ 182,000 |
| Cleveland, OH | 36 | $ 12,240,000 | $ 340,000 | $ 174,000 |
| Milwaukee-Waukesha-West Allis, WI | 35 | $ 12,595,000 | $ 359,857 | $ 178,000 |
| Greenville-Anderson-Mauldin, SC | 34 | $ 10,050,000 | $ 295,588 | $ 126,000 |
| Oklahoma City, OK | 34 | $ 12,720,000 | $ 374,117 | $ 153,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 33 | $ 17,335,000 | $ 525,303 | $ 218,454 |
| San Antonio-New Braunfels, TX | 33 | $ 14,735,000 | $ 446,515 | $ 175,000 |
| Fort Worth-Arlington, TX | 32 | $ 12,370,000 | $ 386,562 | $ 190,000 |
| Boston, MA | 31 | $ 18,645,000 | $ 601,451 | $ 205,000 |
| Warren-Troy-Farmington Hills, MI | 30 | $ 9,990,000 | $ 333,000 | $ 191,000 |
| Colorado Springs, CO | 29 | $ 14,545,000 | $ 501,551 | $ 192,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 28 | $ 14,520,000 | $ 518,571 | $ 219,000 |
| Augusta-Richmond County, GA-SC | 27 | $ 9,055,000 | $ 335,370 | $ 182,629 |
| Huntsville, AL | 27 | $ 10,445,000 | $ 386,851 | $ 136,000 |
| Memphis, TN-MS-AR | 27 | $ 9,475,000 | $ 350,925 | $ 139,259 |
| Hilton Head Island-Bluffton-Beaufort, SC | 26 | $ 14,190,000 | $ 545,769 | $ 238,000 |
| Louisville/Jefferson County, KY-IN | 26 | $ 9,380,000 | $ 360,769 | $ 170,576 |
| Salt Lake City, UT | 26 | $ 14,610,000 | $ 561,923 | $ 201,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 25 | $ 9,185,000 | $ 367,400 | $ 126,000 |
| Everett, WA | 25 | $ 16,335,000 | $ 653,400 | $ 217,000 |
| Worcester, MA-CT | 25 | $ 10,215,000 | $ 408,600 | $ 157,000 |
| Camden, NJ | 24 | $ 9,070,000 | $ 377,916 | $ 152,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 24 | $ 11,780,000 | $ 490,833 | $ 207,000 |
| Boise City, ID | 23 | $ 9,245,000 | $ 401,956 | $ 191,000 |
| Providence-Warwick, RI-MA | 23 | $ 13,765,000 | $ 598,478 | $ 217,739 |
| Savannah, GA | 23 | $ 8,575,000 | $ 372,826 | $ 184,000 |
| St. Petersburg-Clearwater-Largo, FL | 23 | $ 9,825,000 | $ 427,173 | $ 159,000 |
| Winston-Salem, NC | 23 | $ 7,055,000 | $ 306,739 | $ 117,000 |
| Brunswick, GA | 22 | $ 5,800,000 | $ 263,636 | $ 139,000 |
| Montgomery, AL | 22 | $ 7,070,000 | $ 321,363 | $ 122,000 |
| Rockford, IL | 22 | $ 4,150,000 | $ 188,636 | $ 100,000 |
| Crestview-Fort Walton Beach-Destin, FL | 21 | $ 9,615,000 | $ 457,857 | $ 190,000 |
| Wausau, WI | 21 | $ 4,765,000 | $ 226,904 | $ 89,000 |
| Wilmington, NC | 21 | $ 9,195,000 | $ 437,857 | $ 187,000 |
| Cape Coral-Fort Myers, FL | 20 | $ 6,640,000 | $ 332,000 | $ 140,000 |
| Homosassa Springs, FL | 20 | $ 6,650,000 | $ 332,500 | $ 135,000 |
| Tacoma-Lakewood, WA | 20 | $ 12,430,000 | $ 621,500 | $ 199,000 |
| Birmingham-Hoover, AL | 19 | $ 7,565,000 | $ 398,157 | $ 143,000 |
| Idaho Falls, ID | 19 | $ 8,255,000 | $ 434,473 | $ 204,000 |
| Lake County-Kenosha County, IL-WI | 19 | $ 6,085,000 | $ 320,263 | $ 167,000 |
| Lexington-Fayette, KY | 19 | $ 6,235,000 | $ 328,157 | $ 128,000 |
| Oakland-Hayward-Berkeley, CA | 19 | $ 15,215,000 | $ 800,789 | $ 247,000 |
| Pensacola-Ferry Pass-Brent, FL | 19 | $ 7,785,000 | $ 409,736 | $ 113,000 |
| Knoxville, TN | 18 | $ 6,810,000 | $ 378,333 | $ 142,000 |
| Madison, WI | 18 | $ 7,400,000 | $ 411,111 | $ 137,000 |
| North Port-Sarasota-Bradenton, FL | 18 | $ 7,980,000 | $ 443,333 | $ 144,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 18 | $ 10,770,000 | $ 598,333 | $ 390,000 |
| Daphne-Fairhope-Foley, AL | 17 | $ 7,835,000 | $ 460,882 | $ 281,000 |
| Durham-Chapel Hill, NC | 17 | $ 7,705,000 | $ 453,235 | $ 230,000 |
| Little Rock-North Little Rock-Conway, AR | 17 | $ 5,385,000 | $ 316,764 | $ 152,000 |
| Miami-Miami Beach-Kendall, FL | 17 | $ 8,865,000 | $ 521,470 | $ 197,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 17 | $ 6,475,000 | $ 380,882 | $ 189,000 |
| Palm Bay-Melbourne-Titusville, FL | 17 | $ 6,405,000 | $ 376,764 | $ 159,000 |
| Philadelphia, PA | 17 | $ 6,095,000 | $ 358,529 | $ 192,000 |
| Wilmington, DE-MD-NJ | 17 | $ 7,335,000 | $ 431,470 | $ 195,823 |
| Anaheim-Santa Ana-Irvine, CA | 16 | $ 14,250,000 | $ 890,625 | $ 251,000 |
| Bismarck, ND | 16 | $ 5,310,000 | $ 331,875 | $ 118,000 |
| Hickory-Lenoir-Morganton, NC | 16 | $ 4,230,000 | $ 264,375 | $ 121,000 |
| Manchester-Nashua, NH | 16 | $ 7,420,000 | $ 463,750 | $ 171,000 |
| Omaha-Council Bluffs, NE-IA | 16 | $ 7,510,000 | $ 469,375 | $ 181,500 |
| Tallahassee, FL | 16 | $ 3,460,000 | $ 216,250 | $ 129,000 |
| Dothan, AL | 15 | $ 3,105,000 | $ 207,000 | $ 94,000 |
| Grand Rapids-Wyoming, MI | 15 | $ 4,775,000 | $ 318,333 | $ 114,000 |
| Lakeland-Winter Haven, FL | 15 | $ 4,335,000 | $ 289,000 | $ 154,000 |
| Wichita, KS | 15 | $ 5,755,000 | $ 383,666 | $ 128,000 |
| Trenton, NJ | 14 | $ 7,600,000 | $ 542,857 | $ 241,000 |
| Elgin, IL | 13 | $ 4,575,000 | $ 351,923 | $ 136,000 |
| Fort Wayne, IN | 13 | $ 4,225,000 | $ 325,000 | $ 124,000 |
| Greensboro-High Point, NC | 13 | $ 4,395,000 | $ 338,076 | $ 152,000 |
| Lexington Park, MD | 13 | $ 6,465,000 | $ 497,307 | $ 160,000 |
| Port St. Lucie, FL | 13 | $ 3,975,000 | $ 305,769 | $ 119,000 |
| Provo-Orem, UT | 13 | $ 6,935,000 | $ 533,461 | $ 200,000 |
| Reno, NV | 13 | $ 6,395,000 | $ 491,923 | $ 217,000 |
| Tulsa, OK | 13 | $ 5,225,000 | $ 401,923 | $ 208,000 |
| Baton Rouge, LA | 12 | $ 4,230,000 | $ 352,500 | $ 139,000 |
| Boulder, CO | 12 | $ 8,090,000 | $ 674,166 | $ 271,000 |
| Chattanooga, TN-GA | 12 | $ 4,590,000 | $ 382,500 | $ 147,500 |
| Dayton-Springfield-Kettering, OH | 12 | $ 3,910,000 | $ 325,833 | $ 195,000 |
| Detroit-Dearborn-Livonia, MI | 12 | $ 2,290,000 | $ 190,833 | $ 107,000 |
| Hagerstown-Martinsburg, MD-WV | 12 | $ 5,790,000 | $ 482,500 | $ 181,333 |
| Tucson, AZ | 12 | $ 5,200,000 | $ 433,333 | $ 213,000 |
| Asheville, NC | 11 | $ 4,455,000 | $ 405,000 | $ 208,000 |
| Billings, MT | 11 | $ 4,485,000 | $ 407,727 | $ 151,000 |
| Gainesville, GA | 11 | $ 3,025,000 | $ 275,000 | $ 99,000 |
| Harrisburg-Carlisle, PA | 11 | $ 3,735,000 | $ 339,545 | $ 163,000 |
| Ogden-Clearfield, UT | 11 | $ 6,655,000 | $ 605,000 | $ 153,000 |
| Rochester, NY | 11 | $ 2,415,000 | $ 219,545 | $ 110,000 |
| Rockingham County-Strafford County, NH | 11 | $ 4,655,000 | $ 423,181 | $ 212,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 11 | $ 8,035,000 | $ 730,454 | $ 252,000 |
| Spokane-Spokane Valley, WA | 11 | $ 4,315,000 | $ 392,272 | $ 205,000 |
| Warner Robins, GA | 11 | $ 3,605,000 | $ 327,727 | $ 144,000 |
| Wildwood-The Villages, FL | 11 | $ 3,305,000 | $ 300,454 | $ 125,000 |
| Clarksville, TN-KY | 10 | $ 3,880,000 | $ 388,000 | $ 117,900 |
| Columbus, GA-AL | 10 | $ 3,140,000 | $ 314,000 | $ 99,400 |
| Jacksonville, NC | 10 | $ 4,410,000 | $ 441,000 | $ 240,000 |
| Lafayette-West Lafayette, IN | 10 | $ 3,510,000 | $ 351,000 | $ 163,000 |
| Portland-South Portland, ME | 10 | $ 5,720,000 | $ 572,000 | $ 200,000 |
| San Francisco-Redwood City-South San Francisco, CA | 10 | $ 9,650,000 | $ 965,000 | $ 349,000 |
| Springfield, MO | 10 | $ 4,060,000 | $ 406,000 | $ 125,000 |
| Akron, OH | 9 | $ 2,045,000 | $ 227,222 | $ 104,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 9 | $ 3,075,000 | $ 341,666 | $ 146,111 |
| Appleton, WI | 9 | $ 2,645,000 | $ 293,888 | $ 106,000 |
| Lansing-East Lansing, MI | 9 | $ 3,385,000 | $ 376,111 | $ 129,000 |
| New Haven-Milford, CT | 9 | $ 3,325,000 | $ 369,444 | $ 246,000 |
| New Orleans-Metairie, LA | 9 | $ 3,695,000 | $ 410,555 | $ 169,000 |
| Spartanburg, SC | 9 | $ 2,585,000 | $ 287,222 | $ 104,000 |
| Bakersfield, CA | 8 | $ 4,190,000 | $ 523,750 | $ 240,000 |
| Duluth, MN-WI | 8 | $ 2,260,000 | $ 282,500 | $ 125,500 |
| Eau Claire, WI | 8 | $ 2,430,000 | $ 303,750 | $ 136,000 |
| Fort Collins, CO | 8 | $ 4,890,000 | $ 611,250 | $ 233,000 |
| Las Cruces, NM | 8 | $ 2,780,000 | $ 347,500 | $ 241,000 |
| Macon-Bibb County, GA | 8 | $ 2,320,000 | $ 290,000 | $ 128,000 |
| Mobile, AL | 8 | $ 1,880,000 | $ 235,000 | $ 100,000 |
| Oshkosh-Neenah, WI | 8 | $ 1,830,000 | $ 228,750 | $ 87,000 |
| Slidell-Mandeville-Covington, LA | 8 | $ 2,980,000 | $ 372,500 | $ 150,000 |
| Urban Honolulu, HI | 8 | $ 6,420,000 | $ 802,500 | $ 269,000 |
| Albany, GA | 7 | $ 1,175,000 | $ 167,857 | $ 81,000 |
| Amherst Town-Northampton, MA | 7 | $ 2,835,000 | $ 405,000 | $ 147,000 |
| Auburn-Opelika, AL | 7 | $ 3,275,000 | $ 467,857 | $ 161,000 |
| Bridgeport-Stamford-Norwalk, CT | 7 | $ 3,995,000 | $ 570,714 | $ 251,000 |
| Charlottesville, VA | 7 | $ 3,055,000 | $ 436,428 | $ 209,000 |
| El Paso, TX | 7 | $ 2,225,000 | $ 317,857 | $ 139,000 |
| Eugene, OR | 7 | $ 2,935,000 | $ 419,285 | $ 137,000 |
| Greeley, CO | 7 | $ 3,205,000 | $ 457,857 | $ 180,000 |
| Green Bay, WI | 7 | $ 1,825,000 | $ 260,714 | $ 112,000 |
| Kingsport-Bristol-Bristol, TN-VA | 7 | $ 2,625,000 | $ 375,000 | $ 173,428 |
| La Crosse-Onalaska, WI-MN | 7 | $ 2,435,000 | $ 347,857 | $ 218,714 |
| Lake County-Porter County-Jasper County, IN | 7 | $ 2,235,000 | $ 319,285 | $ 168,000 |
| Olympia-Tumwater, WA | 7 | $ 3,625,000 | $ 517,857 | $ 140,000 |
| Pinehurst-Southern Pines, NC | 7 | $ 3,105,000 | $ 443,571 | $ 106,000 |
| Roanoke, VA | 7 | $ 2,745,000 | $ 392,142 | $ 139,000 |
| Athens-Clarke County, GA | 6 | $ 3,320,000 | $ 553,333 | $ 379,000 |
| Beaumont-Port Arthur, TX | 6 | $ 2,280,000 | $ 380,000 | $ 135,000 |
| Bellingham, WA | 6 | $ 2,660,000 | $ 443,333 | $ 218,000 |
| Bloomington, IN | 6 | $ 3,020,000 | $ 503,333 | $ 155,000 |
| Columbia, MO | 6 | $ 3,170,000 | $ 528,333 | $ 223,000 |
| Flint, MI | 6 | $ 1,770,000 | $ 295,000 | $ 137,000 |
| Gulfport-Biloxi-Pascagoula, MS | 6 | $ 2,520,000 | $ 420,000 | $ 197,000 |
| Jackson, MS | 6 | $ 1,680,000 | $ 280,000 | $ 77,000 |
| Lincoln, NE | 6 | $ 1,940,000 | $ 323,333 | $ 150,000 |
| Naples-Immokalee-Marco Island, FL | 6 | $ 2,220,000 | $ 370,000 | $ 178,000 |
| Norwich-New London, CT | 6 | $ 1,860,000 | $ 310,000 | $ 155,000 |
| Prescott Valley-Prescott, AZ | 6 | $ 1,940,000 | $ 323,333 | $ 280,000 |
| Sebastian-Vero Beach, FL | 6 | $ 2,540,000 | $ 423,333 | $ 123,000 |
| Shreveport-Bossier City, LA | 6 | $ 2,000,000 | $ 333,333 | $ 131,000 |
| Springfield, MA | 6 | $ 2,220,000 | $ 370,000 | $ 144,000 |
| Waterbury-Shelton, CT | 6 | $ 1,960,000 | $ 326,666 | $ 146,000 |
| Bend-Redmond, OR | 5 | $ 2,765,000 | $ 553,000 | $ 242,000 |
| Burlington, NC | 5 | $ 2,025,000 | $ 405,000 | $ 205,000 |
| Cleveland, TN | 5 | $ 1,865,000 | $ 373,000 | $ 138,000 |
| Des Moines-West Des Moines, IA | 5 | $ 2,335,000 | $ 467,000 | $ 354,000 |
| Fayetteville, NC | 5 | $ 1,525,000 | $ 305,000 | $ 107,000 |
| Florence, SC | 5 | $ 1,235,000 | $ 247,000 | $ 95,000 |
| Lafayette, LA | 5 | $ 1,275,000 | $ 255,000 | $ 141,000 |
| Lawton, OK | 5 | $ 1,735,000 | $ 347,000 | $ 147,000 |
| Logan, UT-ID | 5 | $ 2,895,000 | $ 579,000 | $ 144,000 |
| Lubbock, TX | 5 | $ 1,965,000 | $ 393,000 | $ 155,000 |
| Manhattan, KS | 5 | $ 1,425,000 | $ 285,000 | $ 128,000 |
| Medford, OR | 5 | $ 1,745,000 | $ 349,000 | $ 141,000 |
| Redding, CA | 5 | $ 2,545,000 | $ 509,000 | $ 204,000 |
| Santa Fe, NM | 5 | $ 2,375,000 | $ 475,000 | $ 161,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 5 | $ 1,995,000 | $ 399,000 | $ 423,000 |
| Stockton-Lodi, CA | 5 | $ 2,415,000 | $ 483,000 | $ 168,000 |
| Topeka, KS | 5 | $ 2,225,000 | $ 445,000 | $ 121,000 |
| Valdosta, GA | 5 | $ 945,000 | $ 189,000 | $ 61,000 |
| York-Hanover, PA | 5 | $ 1,775,000 | $ 355,000 | $ 171,000 |
| Atlantic City-Hammonton, NJ | 4 | $ 1,540,000 | $ 385,000 | $ 169,000 |
| Barnstable Town, MA | 4 | $ 1,850,000 | $ 462,500 | $ 229,000 |
| Bremerton-Silverdale, WA | 4 | $ 2,620,000 | $ 655,000 | $ 321,000 |
| Canton-Massillon, OH | 4 | $ 1,530,000 | $ 382,500 | $ 181,000 |
| Corpus Christi, TX | 4 | $ 1,490,000 | $ 372,500 | $ 104,000 |
| Elizabethtown-Fort Knox, KY | 4 | $ 1,200,000 | $ 300,000 | $ 89,000 |
| Jefferson City, MO | 4 | $ 1,160,000 | $ 290,000 | $ 160,000 |
| Kokomo, IN | 4 | $ 1,090,000 | $ 272,500 | $ 101,000 |
| Lancaster, PA | 4 | $ 1,570,000 | $ 392,500 | $ 151,000 |
| Merced, CA | 4 | $ 1,220,000 | $ 305,000 | $ 202,000 |
| Morristown, TN | 4 | $ 1,120,000 | $ 280,000 | $ 128,000 |
| Nassau County-Suffolk County, NY | 4 | $ 1,800,000 | $ 450,000 | $ 147,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 4 | $ 3,320,000 | $ 830,000 | $ 260,000 |
| Punta Gorda, FL | 4 | $ 910,000 | $ 227,500 | $ 93,000 |
| Reading, PA | 4 | $ 1,740,000 | $ 435,000 | $ 177,000 |
| Salem, OR | 4 | $ 1,810,000 | $ 452,500 | $ 161,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 4 | $ 2,640,000 | $ 660,000 | $ 116,000 |
| Sioux Falls, SD | 4 | $ 1,580,000 | $ 395,000 | $ 135,000 |
| South Bend-Mishawaka, IN-MI | 4 | $ 760,000 | $ 190,000 | $ 110,000 |
| St. George, UT | 4 | $ 1,940,000 | $ 485,000 | $ 120,000 |
| Syracuse, NY | 4 | $ 780,000 | $ 195,000 | $ 135,000 |
| Waco, TX | 4 | $ 1,180,000 | $ 295,000 | $ 161,000 |
| Anchorage, AK | 3 | $ 1,065,000 | $ 355,000 | $ 133,000 |
| Blacksburg-Christiansburg-Radford, VA | 3 | $ 975,000 | $ 325,000 | $ 198,000 |
| Bloomington, IL | 3 | $ 685,000 | $ 228,333 | $ 114,000 |
| Bowling Green, KY | 3 | $ 1,275,000 | $ 425,000 | $ 338,000 |
| Brownsville-Harlingen, TX | 3 | $ 1,255,000 | $ 418,333 | $ 114,000 |
| College Station-Bryan, TX | 3 | $ 1,285,000 | $ 428,333 | $ 166,000 |
| Dover, DE | 3 | $ 805,000 | $ 268,333 | $ 109,000 |
| Farmington, NM | 3 | $ 1,145,000 | $ 381,666 | $ 138,000 |
| Flagstaff, AZ | 3 | $ 1,875,000 | $ 625,000 | $ 513,000 |
| Fond Du Lac, WI | 3 | $ 905,000 | $ 301,666 | $ 247,000 |
| Great Falls, MT | 3 | $ 1,325,000 | $ 441,666 | $ 175,000 |
| Huntington-Ashland, WV-KY-OH | 3 | $ 955,000 | $ 318,333 | $ 87,333 |
| Janesville-Beloit, WI | 3 | $ 875,000 | $ 291,666 | $ 140,000 |
| Johnson City, TN | 3 | $ 1,355,000 | $ 451,666 | $ 230,000 |
| Kahului-Wailuku-Lahaina, HI | 3 | $ 1,515,000 | $ 505,000 | $ 308,000 |
| Kalamazoo-Portage, MI | 3 | $ 1,155,000 | $ 385,000 | $ 176,000 |
| Kenosha, WI | 3 | $ 575,000 | $ 191,666 | $ 107,000 |
| Killeen-Temple, TX | 3 | $ 1,195,000 | $ 398,333 | $ 138,000 |
| Kiryas Joel-Poughkeepsie-Newburgh, NY | 3 | $ 985,000 | $ 328,333 | $ 109,000 |
| Lewiston-Auburn, ME | 3 | $ 1,775,000 | $ 591,666 | $ 216,000 |
| Midland, TX | 3 | $ 1,255,000 | $ 418,333 | $ 183,000 |
| Pocatello, ID | 3 | $ 855,000 | $ 285,000 | $ 80,000 |
| Rapid City, SD | 3 | $ 1,035,000 | $ 345,000 | $ 118,000 |
| Rocky Mount, NC | 3 | $ 1,275,000 | $ 425,000 | $ 104,000 |
| Rome, GA | 3 | $ 865,000 | $ 288,333 | $ 82,000 |
| Sherman-Denison, TX | 3 | $ 715,000 | $ 238,333 | $ 91,000 |
| Springfield, IL | 3 | $ 265,000 | $ 88,333 | $ 108,000 |
| St. Joseph, MO-KS | 3 | $ 615,000 | $ 205,000 | $ 108,000 |
| Staunton-Waynesboro, VA | 3 | $ 1,055,000 | $ 351,666 | $ 275,000 |
| Sumter, SC | 3 | $ 645,000 | $ 215,000 | $ 116,000 |
| Toledo, OH | 3 | $ 675,000 | $ 225,000 | $ 144,000 |
| Traverse City, MI | 3 | $ 1,825,000 | $ 608,333 | $ 279,000 |
| Vallejo-Fairfield, CA | 3 | $ 2,075,000 | $ 691,666 | $ 219,000 |
| Wichita Falls, TX | 3 | $ 1,225,000 | $ 408,333 | $ 148,000 |
| Yuma, AZ | 3 | $ 1,285,000 | $ 428,333 | $ 251,000 |
| Abilene, TX | 2 | $ 840,000 | $ 420,000 | $ 99,000 |
| Amarillo, TX | 2 | $ 550,000 | $ 275,000 | $ 159,000 |
| Anniston-Oxford-Jacksonville, AL | 2 | $ 850,000 | $ 425,000 | $ 115,000 |
| Burlington-South Burlington, VT | 2 | $ 800,000 | $ 400,000 | $ 183,000 |
| Champaign-Urbana, IL | 2 | $ 690,000 | $ 345,000 | $ 181,000 |
| Charleston, WV | 2 | $ 370,000 | $ 185,000 | $ 35,000 |
| Coeur D'Alene, ID | 2 | $ 1,450,000 | $ 725,000 | $ 387,000 |
| Evansville, IN-KY | 2 | $ 860,000 | $ 430,000 | $ 234,000 |
| Glens Falls, NY | 2 | $ 840,000 | $ 420,000 | $ 148,000 |
| Goldsboro, NC | 2 | $ 660,000 | $ 330,000 | $ 119,000 |
| Greenville, NC | 2 | $ 410,000 | $ 205,000 | $ 163,000 |
| Harrisonburg, VA | 2 | $ 1,120,000 | $ 560,000 | $ 228,000 |
| Helena, MT | 2 | $ 750,000 | $ 375,000 | $ 75,000 |
| Hinesville, GA | 2 | $ 540,000 | $ 270,000 | $ 115,000 |
| Hot Springs, AR | 2 | $ 610,000 | $ 305,000 | $ 95,000 |
| Kennewick-Richland, WA | 2 | $ 850,000 | $ 425,000 | $ 150,000 |
| Lake Havasu City-Kingman, AZ | 2 | $ 700,000 | $ 350,000 | $ 96,000 |
| Longview, TX | 2 | $ 410,000 | $ 205,000 | $ 114,000 |
| Longview, WA | 2 | $ 760,000 | $ 380,000 | $ 128,000 |
| Lynchburg, VA | 2 | $ 440,000 | $ 220,000 | $ 66,000 |
| Michigan City-La Porte, IN | 2 | $ 700,000 | $ 350,000 | $ 91,000 |
| Modesto, CA | 2 | $ 370,000 | $ 185,000 | $ 139,000 |
| Muskegon, MI | 2 | $ 560,000 | $ 280,000 | $ 154,000 |
| Niles-Benton Harbor, MI | 2 | $ 490,000 | $ 245,000 | $ 253,000 |
| Parkersburg-Vienna, WV | 2 | $ 970,000 | $ 485,000 | $ 215,000 |
| Peoria, IL | 2 | $ 920,000 | $ 460,000 | $ 159,000 |
| Racine, WI | 2 | $ 610,000 | $ 305,000 | $ 304,000 |
| Salisbury, MD-DE | 2 | $ 590,000 | $ 295,000 | $ 173,000 |
| Sheboygan, WI | 2 | $ 470,000 | $ 235,000 | $ 300,000 |
| Springfield, OH | 2 | $ 700,000 | $ 350,000 | $ 165,000 |
| Albany-Schenectady-Troy, NY | 1 | $ 585,000 | $ 585,000 | $ 170,000 |
| Alexandria, LA | 1 | $ 225,000 | $ 225,000 | $ 94,000 |
| Altoona, PA | 1 | $ 155,000 | $ 155,000 | $ 104,000 |
| Ames, IA | 1 | $ 255,000 | $ 255,000 | $ 114,000 |
| Ann Arbor, MI | 1 | $ 535,000 | $ 535,000 | $ 178,000 |
| Bangor, ME | 1 | $ 175,000 | $ 175,000 | $ 225,000 |
| Beckley, WV | 1 | $ 425,000 | $ 425,000 | $ 274,000 |
| Bozeman, MT | 1 | $ 525,000 | $ 525,000 | $ 170,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 1 | $ 255,000 | $ 255,000 | $ 127,000 |
| Casper, WY | 1 | $ 355,000 | $ 355,000 | $ 0 |
| Cheyenne, WY | 1 | $ 415,000 | $ 415,000 | $ 126,000 |
| Chico, CA | 1 | $ 495,000 | $ 495,000 | $ 237,000 |
| Corvallis, OR | 1 | $ 805,000 | $ 805,000 | $ 420,000 |
| Dalton, GA | 1 | $ 175,000 | $ 175,000 | $ 48,000 |
| Decatur, IL | 1 | $ 195,000 | $ 195,000 | $ 107,000 |
| Eagle Pass, TX | 1 | $ 285,000 | $ 285,000 | $ 140,000 |
| Fargo, ND-MN | 1 | $ 325,000 | $ 325,000 | $ 0 |
| Florence-Muscle Shoals, AL | 1 | $ 285,000 | $ 285,000 | $ 289,000 |
| Fort Smith, AR-OK | 1 | $ 185,000 | $ 185,000 | $ 60,000 |
| Fresno, CA | 1 | $ 715,000 | $ 715,000 | $ 150,000 |
| Gadsden, AL | 1 | $ 295,000 | $ 295,000 | $ 127,000 |
| Gettysburg, PA | 1 | $ 225,000 | $ 225,000 | $ 142,000 |
| Grand Island, NE | 1 | $ 365,000 | $ 365,000 | $ 135,000 |
| Grand Junction, CO | 1 | $ 325,000 | $ 325,000 | $ 0 |
| Grants Pass, OR | 1 | $ 285,000 | $ 285,000 | $ 70,000 |
| Hattiesburg, MS | 1 | $ 385,000 | $ 385,000 | $ 141,000 |
| Houma-Thibodaux, LA | 1 | $ 365,000 | $ 365,000 | $ 150,000 |
| Jackson, MI | 1 | $ 195,000 | $ 195,000 | $ 121,000 |
| Jackson, TN | 1 | $ 445,000 | $ 445,000 | $ 127,000 |
| Jonesboro, AR | 1 | $ 415,000 | $ 415,000 | $ 93,000 |
| Joplin, MO | 1 | $ 465,000 | $ 465,000 | $ 130,000 |
| Kankakee, IL | 1 | $ 275,000 | $ 275,000 | $ 66,000 |
| Lake Charles, LA | 1 | $ 225,000 | $ 225,000 | $ 48,000 |
| Lawrence, KS | 1 | $ 275,000 | $ 275,000 | $ 130,000 |
| Lebanon, PA | 1 | $ 275,000 | $ 275,000 | $ 151,000 |
| Mankato-North Mankato, MN | 1 | $ 305,000 | $ 305,000 | $ 135,000 |
| Midland, MI | 1 | $ 295,000 | $ 295,000 | $ 126,000 |
| Minot, ND | 1 | $ 265,000 | $ 265,000 | $ 108,000 |
| Missoula, MT | 1 | $ 405,000 | $ 405,000 | $ 67,000 |
| Monroe, MI | 1 | $ 265,000 | $ 265,000 | $ 80,000 |
| Morgantown, WV | 1 | $ 665,000 | $ 665,000 | $ 294,000 |
| Mount Vernon-Anacortes, WA | 1 | $ 415,000 | $ 415,000 | $ 90,000 |
| Owensboro, KY | 1 | $ 445,000 | $ 445,000 | $ 345,000 |
| Paducah, KY-IL | 1 | $ 295,000 | $ 295,000 | $ 147,000 |
| Pittsfield, MA | 1 | $ 465,000 | $ 465,000 | $ 0 |
| Pueblo, CO | 1 | $ 415,000 | $ 415,000 | $ 87,000 |
| Salinas, CA | 1 | $ 585,000 | $ 585,000 | $ 171,000 |
| San Angelo, TX | 1 | $ 335,000 | $ 335,000 | $ 89,000 |
| San Rafael, CA | 1 | $ 625,000 | $ 625,000 | $ 175,000 |
| Santa Cruz-Watsonville, CA | 1 | $ 755,000 | $ 755,000 | $ 145,000 |
| Santa Maria-Santa Barbara, CA | 1 | $ 495,000 | $ 495,000 | $ 0 |
| Sebring, FL | 1 | $ 245,000 | $ 245,000 | $ 90,000 |
| St. Cloud, MN | 1 | $ 245,000 | $ 245,000 | $ 81,000 |
| State College, PA | 1 | $ 205,000 | $ 205,000 | $ 101,000 |
| Tuscaloosa, AL | 1 | $ 265,000 | $ 265,000 | $ 114,000 |
| Twin Falls, ID | 1 | $ 205,000 | $ 205,000 | $ 83,000 |
| Tyler, TX | 1 | $ 315,000 | $ 315,000 | $ 146,000 |
| Vineland-Bridgeton, NJ | 1 | $ 325,000 | $ 325,000 | $ 215,000 |
| Visalia-Porterville, CA | 1 | $ 645,000 | $ 645,000 | $ 172,000 |
| Wenatchee, WA | 1 | $ 545,000 | $ 545,000 | $ 233,000 |
| Williamsport, PA | 1 | $ 155,000 | $ 155,000 | $ 43,000 |
| Winchester, VA-WV | 1 | $ 555,000 | $ 555,000 | $ 187,000 |
| Yakima, WA | 1 | $ 405,000 | $ 405,000 | $ 229,000 |
| Youngstown-Warren-Boardman, OH-PA | 1 | $ 155,000 | $ 155,000 | $ 65,000 |
| Yuba City, CA | 1 | $ 535,000 | $ 535,000 | $ 0 |
Mortgage Loan Application Detail Totals for First Federal Bank in 2025
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 6,218 | $2,428,340,000 | $390,000 | $2,755,000 | $166,000 | $2,917,000 |
| Refinancing | 1,053 | $491,055,000 | $466,000 | $1,925,000 | $199,000 | $1,481,000 |
| Cash-out Refinancing | 610 | $203,950,000 | $334,000 | $1,755,000 | $129,000 | $1,250,000 |
| Other Purpose | 76 | $16,910,000 | $222,000 | $805,000 | $119,000 | $365,000 |
| Home Improvement | 41 | $7,595,000 | $185,000 | $485,000 | $126,000 | $661,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 4,940 | $1,889,110,000 | $382,000 | $1,875,000 | $161,000 | $2,917,000 |
| Not Provided | 1,155 | $511,315,000 | $442,000 | $1,925,000 | $190,000 | $2,382,000 |
| Asian | 667 | $333,305,000 | $499,000 | $1,665,000 | $221,000 | $1,000,000 |
| Hispanic | 636 | $217,120,000 | $341,000 | $1,515,000 | $137,000 | $1,112,000 |
| Black or African American | 504 | $162,250,000 | $321,000 | $1,335,000 | $115,000 | $716,000 |
| American Indian or Alaskan Native | 58 | $19,750,000 | $340,000 | $985,000 | $128,000 | $532,000 |
| Not applicable | 30 | $11,650,000 | $388,000 | $2,755,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 8 | $3,350,000 | $418,000 | $625,000 | $375,000 | $1,250,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 5,267 | $2,064,285,000 | $391,000 | $2,755,000 | $183,000 | $2,917,000 |
| VA-guaranteed (Veterans Administration) | 1,669 | $789,555,000 | $473,000 | $1,925,000 | $150,000 | $1,245,000 |
| FHA-insured (Federal Housing Administration) | 1,034 | $288,540,000 | $279,000 | $1,035,000 | $99,000 | $889,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 28 | $5,470,000 | $195,000 | $355,000 | $75,000 | $114,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 4,691 | $1,803,925,000 | $384,000 | $2,755,000 | $159,000 | $1,390,000 |
| Application Withdrawn By Applicant | 2,536 | $1,077,830,000 | $425,000 | $1,805,000 | $186,000 | $2,917,000 |
| Application Denied By Financial Institution | 735 | $253,985,000 | $345,000 | $1,685,000 | $139,000 | $2,382,000 |
| Application Approved But Not Accepted | 24 | $9,940,000 | $414,000 | $765,000 | $167,000 | $265,000 |
| Loan Purchased By The Institution | 9 | $1,345,000 | $149,000 | $185,000 | $0 | $0 |
| File Closed For Incompleteness | 3 | $825,000 | $275,000 | $385,000 | $75,000 | $102,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 7,263 | $2,893,865,000 | $398,000 | $2,755,000 | $169,000 | $2,917,000 |
| Credit Application Incomplete | 226 | $97,460,000 | $431,000 | $1,405,000 | $196,000 | $2,382,000 |
| Debt-To-Income Ratio | 190 | $65,730,000 | $345,000 | $1,515,000 | $99,000 | $691,000 |
| Credit History | 133 | $36,835,000 | $276,000 | $1,235,000 | $126,000 | $1,250,000 |
| Collateral | 88 | $22,190,000 | $252,000 | $935,000 | $125,000 | $516,000 |
| Other | 42 | $11,400,000 | $271,000 | $985,000 | $105,000 | $275,000 |
| Unverifiable Information | 29 | $12,995,000 | $448,000 | $1,685,000 | $156,000 | $480,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 15 | $4,585,000 | $305,000 | $675,000 | $99,000 | $202,000 |
| Employment History | 12 | $2,790,000 | $232,000 | $355,000 | $96,000 | $305,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Federal Bank's 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess First Federal Bank's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Florida, download the full spreadsheet
with aggregated HMDA statistics today.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About