First Federal Bank in Tennessee vs the state
10.5%Denial rate-6.61 pts vs state
16.8%Decision denial rate-4.84 pts vs state
52.0%Origination rate-6.11 pts vs state
6.00%Median rate-0.62 pts vs state
-0.32Rate spread (pts)-0.55 pts vs state
$133kMedian applicant income
79Loans originated
16Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 78 | 43 | 10.3% | 6.50% | #331 |
| 2024 | 174 | 99 | 8.1% | 6.13% | #227 |
| 2025 | 152 | 79 | 10.5% | 6.00% | #256 |
What First Federal Bank lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most First Federal Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Davidson County | 20 | 6 | 3 | 15.0% |
| Shelby County | 18 | 10 | 2 | 11.1% |
| Williamson County | 12 | 7 | 1 | 8.3% |
| Knox County | 9 | 4 | 2 | 22.2% |
| Montgomery County | 9 | 6 | 2 | 22.2% |
| Hamilton County | 7 | 4 | 0 | 0.0% |
| Putnam County | 6 | 4 | 0 | 0.0% |
| Bradley County | 5 | 3 | 0 | 0.0% |
| Wilson County | 4 | 1 | 0 | 0.0% |
| Rutherford County | 4 | 2 | 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: 152 applications in 2025, of which 79 were originated and 16 denied.
10.5% of all applications, or 16.8% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans First Federal Bank originated in Tennessee in 2025 was 6.00%, against a statewide median of 6.62%.
About this data. Figures are First 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