Lenders › First Federal Bank › Florida
First Federal Bank in Florida
HMDA record for properties in Florida, calendar year 2024. National record · Florida overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
In Florida, First Federal Bank reported 1,356 applications and 833 originations for 2024, $279m in all.
Its denial rate in the state was 16.4%, below the Florida rate of 29.0% across all lenders and compared with the lender's national rate of 13.1%.
The median rate spread on its Florida originations was 0.2 percentage points (state median 0.3).
Applications in the state were up 23% on 2023.
Compared with the state and the lender's national record
| Measure | In Florida | Florida, all lenders | First Federal Bank, all states | United States |
|---|---|---|---|---|
| Denial rate | 16.4% | 29.0% | 13.1% | 24.3% |
| Median rate spread, pp | 0.2 | 0.3 | -0.1 | 0.3 |
| Originations with spread of 1.5 pp or more | 15.5% | 16.4% | 3.9% | 15.6% |
| Average originated loan | $334k | $359k | $377k | $329k |
| Home purchase share | 87.9% | 62.9% | 86.6% | 57.0% |
| FHA-insured share | 17.5% | 17.7% | 12.2% | 13.4% |
| VA-guaranteed share | 21.4% | 9.5% | 28.0% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateFlorida, all lenders
Loan purpose and loan type in Florida
By purpose
Home purchase 88% (732)Home improvement 1% (7)Refinancing 4% (32)Cash-out refinancing 6% (48)Other purpose 2% (14)
By type
Conventional 61% (504)FHA 18% (146)VA 21% (178)USDA 1% (5)
Denial reasons as coded
Share of 165 denials in Florida by first denial reason coded (outlined bar: all lenders in the state).
Counties in Florida
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Duval County | 159 | 95 | $28m | 17.2% |
| Marion County | 118 | 78 | $17m | 18.6% |
| Columbia County | 93 | 63 | $20m | 16.7% |
| Baker County | 57 | 49 | $13m | 5.7% |
| Nassau County | 58 | 41 | $17m | 16.3% |
| Suwannee County | 59 | 39 | $8.8m | 21.6% |
| Jackson County | 45 | 31 | $7.3m | 11.4% |
| Hillsborough County | 43 | 26 | $12m | 10.3% |
| Clay County | 40 | 26 | $8.0m | 13.3% |
| St. Johns County | 47 | 24 | $11m | 20.0% |
| Bay County | 44 | 24 | $8.0m | 31.4% |
| Lee County | 37 | 21 | $8.8m | 16.0% |
| Brevard County | 25 | 17 | $8.6m | — |
| Seminole County | 25 | 15 | $7.3m | — |
| Alachua County | 29 | 14 | $5.3m | — |
| Orange County | 26 | 9 | $2.9m | — |
| Miami-Dade County | 31 | 8 | $3.8m | — |
| Broward County | 25 | 8 | $2.8m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did First Federal Bank originate in Florida in 2024?
833 loans totalling $279m, from 1,356 applications reported for properties in Florida.
What is First Federal Bank's denial rate in Florida?
16.4% of decided applications in Florida were denied, against 29.0% for all lenders in the state and 13.1% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Florida counties does First Federal Bank lend in most?
By originations: Duval County (95), Marion County (78), Columbia County (63), Baker County (49), Nassau County (41).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Florida. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.