First Federal Bank in Tennessee vs the state
9.4%Denial rate-7.76 pts vs state
9.9%Decision denial rate-11.76 pts vs state
82.6%Origination rate+24.49 pts vs state
—Median rate
—Rate spread (pts)
$106kMedian applicant income
308Loans originated
35Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 357 | 284 | 8.1% | 6.62% | #120 |
| 2024 | 288 | 211 | 13.5% | 7.65% | #152 |
| 2025 | 373 | 308 | 9.4% | — | #137 |
What First Federal Bank lends in Tennessee
By loan purpose
By loan type
Where in Tennessee
Counties with the most First Federal Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Dickson County | 124 | 98 | 16 | 12.9% |
| Montgomery County | 115 | 104 | 2 | 1.7% |
| Humphreys County | 58 | 49 | 6 | 10.3% |
| Hickman County | 31 | 23 | 5 | 16.1% |
| Stewart County | 12 | 11 | 1 | 8.3% |
| Cheatham County | 9 | 9 | 0 | 0.0% |
| Williamson County | 6 | 5 | 1 | 16.7% |
| Houston County | 5 | 3 | 2 | 40.0% |
| Davidson County | 5 | 3 | 0 | 0.0% |
| Maury County | 2 | 0 | 1 | 50.0% |
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: 373 applications in 2025, of which 308 were originated and 35 denied.
9.4% of all applications, or 9.9% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
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