# Financial Federal Bank

> **Canonical URL:** https://saferate.com/lenders/financial-federal-bank


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Financial Federal Bank is a bank, headquartered in Memphis, TN, serving borrowers across 12 states, with 152 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 22% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 38% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300BEXTNMA3CARO05
- **Headquarters:** Memphis, TN
- **Geographic Reach:** Multi-Region
- **States Served:** 12
- **State List:** AL, AR, AZ, FL, IL, IN, MS, MT, NC, SC, TN, TX
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 78/100
- Rating: ●●●●○ (4/5)

### Pull Through: Strong 😀
- Score: 62/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** -0.049%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $626
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 152
- **Dollar Volume:** $69 million
- **Applications Received:** 167
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $455,263
- **Average Borrower Income:** $211,612
- **Average Property Value:** $646,118

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (71%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 47/100 | 136 | -0.055% | $615 | Sound ☺️ |
| Jumbo | 40/100 | 10 | +0.255% | $640 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 115 loans, Score: 47/100 (Sound)
- Refinance: 21 loans, Score: 40/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 46/100 | 128 | $61M | -0.053% | Sound ☺️ |
| Refinance | 40/100 | 24 | $8M | -0.020% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TN | 127 | 0.14% | 72/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Memphis, TN |  | 121 | 77/100 |

## Where This Lender Ranks

Financial Federal Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#4** in Memphis, TN for Jumbo Loans
  - [View Full Rankings](https://saferate.com/memphis-tn/best-mortgage-lenders/jumbo-loans)
- 🏆 **#4** in Memphis, TN for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/memphis-tn/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#5** in Memphis, TN Banks
  - [View Full Rankings](https://saferate.com/memphis-tn/best-mortgage-lenders/banks)
- 🏆 **#9** in Memphis, TN
  - [View Full Rankings](https://saferate.com/memphis-tn/best-mortgage-lenders)
- 🏆 **#9** in Memphis, TN for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/memphis-tn/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#14** in Memphis, TN for Conventional Loans
  - [View Full Rankings](https://saferate.com/memphis-tn/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does Financial Federal Bank offer?

Financial Federal Bank offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Financial Federal Bank offer mortgages?

Financial Federal Bank offers mortgages in 12 states: AL, AR, AZ, FL, IL, IN, MS, MT, NC, SC, TN, TX.

### How competitive are Financial Federal Bank's mortgage rates?

Financial Federal Bank has a pricing score of 78/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.049% below market average.

### What type of lender is Financial Federal Bank?

Financial Federal Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Memphis, TN.

### What is Financial Federal Bank's loan approval success rate?

Financial Federal Bank has a pull-through score of 62/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/financial-federal-bank

### How to Cite

> "Financial Federal Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/financial-federal-bank

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