We analyzed every closed loan from First Federal Savings Bank — 525 loans across 616 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and Jumbo loans
Things to Think About
- Rates typically 61 basis points above market average
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Report Card
First Federal Savings Bank performance at a glance
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 506 | 96.4% | +0.612%Above | $1,446Fees | ||||
Jumbo Loans | — | 19 | 3.6% | +0.741%Above | $1,750Fees |
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 458 | 87.2% | +0.611%Above | $1,371Fees | ||||
Refinance | 67 | 12.8% | +0.627%Above | $1,882Fees |
At a Glance
Lender Overview
Geographic Coverage
Geographic Performance
States with Loan Originations
4Full-year 2024 · HMDA
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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