Financial Federal Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the A grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
93rd1.0% deniedPricingmedian rate spread over APOR, weight 30%
94th-0.31 ptsProcesswithdrawn + incomplete share, weight 15%
56th10.4%Closing coststotal loan costs ÷ loan amount, weight 10%
65th1.51% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 191 | 180 | 0.0% | 0.0% | 6.50% | $84M |
| 2024 | 269 | 253 | 0.4% | 0.4% | 6.75% | $83M |
| 2025 | 222 | 197 | 0.9% | 1.0% | 6.63% | $70M |
What Financial Federal Bank lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 36 investment properties.
Why Financial Federal Bank denies applications
Primary reason reported for each of the 2 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Financial Federal Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 61 | 57 | 1.7% |
| $50k – $100k | 20 | 14 | 0.0% |
| $100k – $150k | 31 | 25 | 0.0% |
| $150k – $250k | 47 | 40 | 2.4% |
| Over $250k | 37 | 35 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 34 | 27 | 0.0% |
| 35–44 | 36 | 30 | 3.2% |
| 45–54 | 30 | 25 | 0.0% |
| 55–64 | 29 | 27 | 0.0% |
| 65–74 | 41 | 37 | 2.6% |
| Over 74 | 26 | 25 | 0.0% |
Where Financial Federal Bank lends
15 states and 31 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Tennessee | 197 | 176 | 1.0% | 6.63% | #218 |
Frequently asked questions
Financial Federal Bank denied 1.0% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 93rd percentile of small mortgage lenders.
The most common reason Financial Federal Bank gave in 2025 was "other", cited on 50.0% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Financial Federal Bank originated in 2025 was 6.63%, and its median rate spread over the average prime offer rate was -0.31 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 53% of its applications were for home purchases, 47% for refinancing (including cash-out), and 0% for home improvement or other purposes. By loan type: 97% conventional, 1% FHA, 2% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.