Applications / Mortgage Analytics / Lenders / Florida / First Federal Bank
Lake City, FL · Savings institution · OCC · $4.3 billion assets · 4,691 loans in 2025
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4,691
loans originated, 2025
7,989
applications, 2025
51
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First Federal Bank, a Florida savings institution lending in 51 states, is a purchase lender built on government-backed loans, and its originations slipped 3% in 2025 while similar lenders grew.
VA loans (guaranteed by the Department of Veterans Affairs) were 21.9% of its lending, against 1.4% at similar lenders (savings institutions making between half and twice as many loans), higher than about nine in ten. FHA loans (insured by the Federal Housing Administration) were 13.0%, against 4.5%. Purchase loans were 81.6% of its lending.
Originations fell 3% to 4,691, among the lowest tenth of similar lenders, whose typical growth was 17%; the whole market grew 10%. It made 19,091 loans in 2020; a purchase-heavy book may have gained less from the market's rise. It bought 9 loans, against 812 five years before.
2.9% of its loans were higher-priced (a rate well above the average for similar loans), against 1.0% at peers, while its typical rate of 6.25% was lower than about four in five of them. FHA lending and manufactured homes, 3.4% of its loans against 0.7%, are possible reasons for the higher-priced share.
It ranks 34 of 715 in Jacksonville, where its share rose to 0.7% from 0.6%, and holds 0.4% in Charlotte. LMI (low- and moderate-income) borrowers took 22.2% of its loans, against 28.7%, lower than about three in four peers; a purchase book with a typical loan of $335,000 may be one reason.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. First Federal Bank took 7,989 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 81.6% · Refinance 17.1% · Other 0.9% · Home improvement 0.5%
Conventional 64.7% · VA 21.9% · FHA 13.0% · USDA (RHS or FSA) 0.4% · of 4,691 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Florida | 901 | 19.2% |
| Georgia | 410 | 8.7% |
| South Carolina | 336 | 7.2% |
| North Carolina | 251 | 5.4% |
| Texas | 177 | 3.8% |
| Wisconsin | 176 | 3.8% |
| Illinois | 163 | 3.5% |
| Missouri | 154 | 3.3% |
| Virginia | 147 | 3.1% |
| Minnesota | 131 | 2.8% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Jacksonville | 367 |
| Charlotte-Concord-Gastonia | 322 |
| Atlanta-Sandy Springs-Roswell | 177 |
| Kansas City | 176 |
| Marietta | 94 |
| Arlington-Alexandria-Reston | 71 |
| Chicago-Naperville-Schaumburg | 65 |
| Minneapolis-St. Paul-Bloomington | 64 |
| Ocala | 60 |
| Orlando-Kissimmee-Sanford | 56 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | Q708HHR4LD2B7XIZNO92 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 384278 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 46707 | 2007–2010 |
| Respondent ID (the HMDA filer code before 2018) | 1706707 | 2011–2017 |
Established 1 January 1961. Reported under HMDA 2007-2025.
Mergers, name changes, data editions and corrections: First Federal Bank's data.
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