First Federal Bank Mortgage Lenders Review 2026
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Our Take
5.0
First Federal Bank Mortgage Lenders stands out for its exceptionally low interest rates, as well as its emphasis on government loans – these made up half of the lender’s originations last year. First Federal Bank Mortgage Lenders also offers closing cost assistance to first-time home buyers in qualifying areas. Most likely to appeal to borrowers shopping for low rates and fees.
Pros
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Strong experience in FHA and VA lending.
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Average mortgage rates are on the low side, according to the latest federal data.
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Minimum credit score requirement of 580 for some loans, which is lower than some competitors.
Cons
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No mobile app.
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Home equity lending is not a priority.
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Does not offer renovation loans, but does offer construction loans.
Lender | Max. loan amount | Max LTV | Min. credit score | |
|---|---|---|---|---|
 Visit Lenderat Figure at Figure | $750,000 | 85% | 600 | Visit Lenderat Figure at Figure |
 Visit Lenderat Achieve at Achieve | $300,000 | 85% | 600 | Visit Lenderat Achieve at Achieve |
 4.0 Visit Lenderat Upstart Home Lending LLC at Upstart Home Lending LLC | $250,000 | 95% | 600 | Visit Lenderat Upstart Home Lending LLC at Upstart Home Lending LLC |
 Visit Lenderat New American Funding at New American Funding | $750,000 | 90% | 620 | Visit Lenderat New American Funding at New American Funding |
 Visit Lenderat NBKC at NBKC | $250,000 | 85% | 720 | Visit Lenderat NBKC at NBKC |
Full Review
At a glance: First Federal Bank Mortgage Lenders mortgage options
First Federal Bank Mortgage Lenders is an online-only, nationally licensed lender based in Overland Park, Kansas, and operates as a mortgage-lending arm of Florida-based First Federal Bank.
First Federal Bank Mortgage Lenders offers most standard mortgage types, along with a few specialty loans. However, you won’t find renovation loans, and home equity products aren’t currently a lending priority.
🏠 Common mortgages
Conventional loans (fixed and adjustable)
Refinancing (rate-and-term, government-backed and energy efficient)
Jumbo loans
FHA loans
VA loans
🔑 Specialty loans
USDA loans
Mortgages for second homes
Loans for self-employed borrowers
Construction-to-permanent loans
💵 Home equity
• Cash-out refinance
» MORE: How to choose a mortgage lender
First Federal Bank Mortgage Lenders special offers and discounts
First Federal Bank Mortgage Lenders offers assistance for certain customers. One perk stood out in our research.
Closing cost assistance may be available to first-time home buyers who meet qualifications, including geographic requirements.
What home loans does First Federal Bank Mortgage Lenders specialize in?
A lender’s experience with your loan type can make a big difference. We looked at the latest federal data to find the types of mortgages First Federal Bank Mortgage Lenders handles most often.
Conventional loans made up about half of First Federal Bank Mortgage Lenders’ loan originations last year, followed by VA loans (29%) and FHA loans (20%).
First Federal Bank Mortgage Lenders reputation and customer experience
NerdWallet’s star ratings look at objective factors like rates, fees and loan options. To give you a sense of what the borrower experience is really like, we pulled the latest customer satisfaction scores from Zillow and we contacted the lender’s customer support.
Zillow Mortgage Lender Customer Rating
4.75
out of 5
Average rating as of date of publication. Rating reflects more than 3,200 reviews.
First Federal Bank Mortgage Lenders customer service options
Here’s how you can get in touch with First Federal Bank Mortgage Lenders.
Ways to reach First Federal Bank Mortgage Lenders
Physical branches . . . . . . 🚫 Phone support . . . . . . . . . ✅ Mobile app . . . . . . . . . . . . 🚫 Online chat (bot) . . . . . . . 🚫 Online chat (human) . . . . 🚫
🤓 Our Nerds say… in-person services are not clear
Taylor Getler, lead writer, mortgages
Unlike many lenders today, First Federal Bank Mortgage Lenders does not have a mobile app. The lender has a location finder on its website, but the only branch that surfaced is in Kansas. When we tried calling the lender’s customer service line, though, we were immediately connected with a live agent who was able to answer our questions.
» MORE: How to apply for a mortgage
Alternatives to a First Federal Bank Mortgage Lenders mortgage
Our biggest tip: Get offers from at least three different mortgage lenders. Comparison shopping can save you thousands of dollars. You can get rate quotes yourself, or work with a mortgage broker to shop around on your behalf.
VA borrowers may want to check out Navy Federal Credit Union, while FHA borrowers may be a fit for Pennymac. These lenders won NerdWallet’s best-of awards in their respective categories in 2025.
Alternatively, borrowers who need a lender with flexible credit requirements may want to apply with Freedom Mortgage, which reported a minimum credit score of 500 for FHA borrowers.
» MORE: Best VA lenders
More from NerdWallet
NerdWallet’s overall ratings for mortgage lenders are evaluated based on four major categories: average mortgage rates and origination fees, rate transparency to consumers, variety of loan types (purchase, refinance, fixed and adjustable, for example) and customer experience. Among the factors we consider in these categories are: options to apply for home loans online, typical time to close, mobile app experience, level of detail about mortgage rates on lender websites, and NerdWallet’s own analysis of the rates and fees lenders reported in the latest available Home Mortgage Disclosure Act data. These and other items inform detailed rubrics, which generate ratings from 1 star (poor) to 5 stars (excellent). Read more about how we rate mortgage lenders here.
