Financial Federal Bank in Tennessee vs the state
1.0%Denial rate-16.12 pts vs state
1.1%Decision denial rate-20.56 pts vs state
89.3%Origination rate+31.26 pts vs state
6.63%Median rate0.00 pts vs state
-0.39Rate spread (pts)-0.62 pts vs state
$122kMedian applicant income
176Loans originated
2Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 157 | 148 | 0.0% | 6.50% | #225 |
| 2024 | 240 | 226 | 0.4% | 6.75% | #177 |
| 2025 | 197 | 176 | 1.0% | 6.63% | #218 |
What Financial Federal Bank lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most Financial Federal Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Shelby County | 182 | 162 | 2 | 1.1% |
| Fayette County | 7 | 7 | 0 | 0.0% |
| Hardin County | 2 | 2 | 0 | 0.0% |
| Madison County | 1 | 1 | 0 | 0.0% |
| Montgomery County | 1 | 1 | 0 | 0.0% |
| Williamson County | 1 | 0 | 0 | 0.0% |
| Sevier County | 1 | 1 | 0 | 0.0% |
| Sullivan County | 1 | 1 | 0 | 0.0% |
| Hardeman County | 1 | 1 | 0 | 0.0% |
Other large lenders in Tennessee
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 16,503 | 17.3% | 6.50% |
| United Shore Financial Services | B | 12,458 | 10.9% | 6.12% |
| Regions Bank | C | 11,247 | 36.5% | 4.99% |
| Vanderbilt Mortgage and Finance | F | 9,649 | 35.8% | 8.75% |
| Mortgage Research Center | C | 6,568 | 17.3% | 6.25% |
| FirstBank | C | 5,677 | 14.5% | 6.88% |
| CMG Mortgage | A | 5,643 | 2.9% | 6.50% |
| Freedom Mortgage | B | 5,493 | 8.0% | 6.25% |
| Pennymac Loan Services | C | 5,331 | 11.2% | 6.00% |
| Mortgage Investors Group | B | 4,454 | 3.5% | 6.50% |
Frequently asked questions
Tennessee: 197 applications in 2025, of which 176 were originated and 2 denied.
1.0% of all applications, or 1.1% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans Financial Federal Bank originated in Tennessee in 2025 was 6.63%, against a statewide median of 6.62%.
About this data. Figures are Financial Federal Bank's own HMDA filing for properties located in Tennessee, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology