# First Federal Savings Bank

> **Canonical URL:** https://saferate.com/lenders/first-federal-savings-bank-in-huntington


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


First Federal Savings Bank is a bank, headquartered in Huntington, IN, serving borrowers across 3 states, with 109 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 26% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 46% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300RMPGD5KKS1RR35
- **Headquarters:** Huntington, IN
- **Geographic Reach:** Regional
- **States Served:** 3
- **State List:** FL, IN, TN
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 99.2%
- **Brokered/Wholesale:** 0.8%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 74/100
- Rating: ●●●●○ (4/5)

### Pull Through: Sound ☺️
- Score: 54/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.223%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $734
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 109
- **Dollar Volume:** $25 million
- **Applications Received:** 124
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $232,339
- **Average Borrower Income:** $103,670
- **Average Property Value:** $363,624

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 33/100 | 106 | +0.224% | $734 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 80 loans, Score: 31/100 (Acceptable)
- Refinance: 26 loans, Score: 36/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 32/100 | 83 | $21M | +0.215% | Acceptable 🙂 |
| Refinance | 33/100 | 26 | $5M | +0.246% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| IN | 105 | 0.12% | 69/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 92 | 60/100 |
| Fort Wayne, IN | IN | 13 | 49/100 |

## Frequently Asked Questions

### What loan types does First Federal Savings Bank offer?

First Federal Savings Bank offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does First Federal Savings Bank offer mortgages?

First Federal Savings Bank offers mortgages in 3 states: FL, IN, TN.

### How competitive are First Federal Savings Bank's mortgage rates?

First Federal Savings Bank has a pricing score of 74/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.223% above market average.

### What type of lender is First Federal Savings Bank?

First Federal Savings Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Huntington, IN.

### What is First Federal Savings Bank's loan approval success rate?

First Federal Savings Bank has a pull-through score of 54/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/first-federal-savings-bank-in-huntington

### How to Cite

> "First Federal Savings Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/first-federal-savings-bank-in-huntington

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