# First Federal Bank

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


> **📋 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


First Federal Bank is a bank, headquartered in Dickson, TN, serving borrowers across 6 states, with 123 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 39% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 50% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300CNRVR02KBUDD48
- **Headquarters:** Dickson, TN
- **Geographic Reach:** Multi-Region
- **States Served:** 6
- **State List:** AR, FL, KY, MO, TN, TX
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 61/100
- Rating: ●●●●○ (4/5)

### Pull Through: Sound ☺️
- Score: 50/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.144%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,930
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 123
- **Dollar Volume:** $33 million
- **Applications Received:** 177
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $266,301
- **Average Borrower Income:** $126,122
- **Average Property Value:** $423,780

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 44/100 | 91 | +0.159% | $2,240 | Sound ☺️ |
| FHA | 54/100 | 15 | +0.292% | $974 | Sound ☺️ |
| VA | 57/100 | 13 | -0.277% | $581 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 62 loans, Score: 41/100 (Sound)
- Refinance: 29 loans, Score: 48/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 41/100 | 91 | $27M | +0.184% | Sound ☺️ |
| Refinance | 45/100 | 32 | $6M | -0.033% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TN | 116 | 0.13% | 72/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Clarksville, TN | TN-KY | 53 | 73/100 |
| Nashville | TN | 41 | 63/100 |
| Non |  | 26 | 39/100 |

## Where This Lender Ranks

First Federal Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥉 **#3** in Clarksville, TN Banks
  - [View Full Rankings](https://saferate.com/clarksville-tn/best-mortgage-lenders/banks)
- 🏆 **#5** in Clarksville, TN for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/clarksville-tn/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#7** in Clarksville, TN for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/clarksville-tn/best-mortgage-lenders/banks/va-loans)
- 🏆 **#12** in Clarksville, TN for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/clarksville-tn/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#13** in Clarksville, TN
  - [View Full Rankings](https://saferate.com/clarksville-tn/best-mortgage-lenders)
- 🏆 **#15** in Clarksville, TN for FHA Loans
  - [View Full Rankings](https://saferate.com/clarksville-tn/best-mortgage-lenders/fha-loans)

## Frequently Asked Questions

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

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

### Where does First Federal Bank offer mortgages?

First Federal Bank offers mortgages in 6 states: AR, FL, KY, MO, TN, TX.

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

First Federal Bank has a pricing score of 61/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.144% above market average.

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

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

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

First Federal Bank has a pull-through score of 50/100 (Sound). 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/first-federal-bank-tn

### How to Cite

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

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