First 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 B 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%
49th10.0% deniedProcesswithdrawn + incomplete share, weight 15%
77th5.5%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 371 | 296 | 8.1% | 8.5% | 6.62% | $72M |
| 2024 | 297 | 219 | 13.1% | 14.0% | 7.60% | $44M |
| 2025 | 382 | 315 | 9.4% | 10.0% | — | $70M |
What First 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, 31 manufactured homes, 83 investment properties.
Who gets approved at First 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 | 38 | 22 | 37.1% |
| $50k – $100k | 114 | 93 | 11.8% |
| $100k – $150k | 90 | 73 | 7.4% |
| $150k – $250k | 64 | 55 | 4.8% |
| Over $250k | 29 | 25 | 3.9% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 78 | 65 | 8.1% |
| 35–44 | 67 | 50 | 14.8% |
| 45–54 | 55 | 49 | 7.6% |
| 55–64 | 69 | 57 | 12.1% |
| 65–74 | 39 | 30 | 11.1% |
Where First Federal Bank lends
7 states and 24 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Tennessee | 373 | 308 | 9.4% | — | #137 |
Frequently asked questions
First Federal Bank denied 10.0% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 49th percentile of small mortgage lenders.
In 2025, 45% of its applications were for home purchases, 43% for refinancing (including cash-out), and 13% for home improvement or other purposes. By loan type: 89% conventional, 3% FHA, 4% 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.