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 score and performance metrics.

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 an overall pricing score of 78.2/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Financial Federal Bank?

Financial Federal Bank is a Bank headquartered in Memphis, TN.

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Financial Federal Bank

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Financial Federal Bank has 152 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Strong

4/5

vs. all lenders

Pull-through

Strong

4/5

closing strength

Product

Sound

3/5

Conventional · Jumbo

Place

Strong

4/5

Multi-Region · 1 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

Conventional

Superstar

Purchase

Superstar

Summary

What They Do Well

Offers rates 4.90 basis points below market average
Lower than average lender fees
Strong pull through performance

Explore another lender or local market

Report Card

Financial Federal Bank performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Strong

Rates 4.9 bps below market avg

4/5

Pull Through

Closing strength

Strong

Top 40% of lenders

4/5

By Loan Product· Specialization by type

Conventional

136 loans · 0.06% below market

Sound

Top 60% of lenders

3/5

Jumbo

10 loans · 0.26% above market

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Purchase

128 loans · 0.05% below market

Sound

Top 60% of lenders

3/5

Refinance

24 loans · 0.02% below market

Acceptable

Bottom 40% of lenders

2/5

By Location· Geographic coverage

Geographic Reach

Multi-Regional · 1 markets

Strong

Top 40% of lenders

4/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Strong	Sound	Exceptional	Strong	136	89.5%	-0.055%Below	$615Fees
Jumbo Loans	Sound	Sound	—	—	10	6.6%	+0.255%Above	$640Fees

Conventional

Overall

Strong

Product

Sound

Pricing

Exceptional

Pull Through

Strong

Volume136

Mix89.5%

Spread

-0.055%Below

Fees

$615Fees

Jumbo Loans

Overall

Sound

Product

Sound

Pricing—

Pull Through—

Volume10

Mix6.6%

Spread

+0.255%Above

Fees

$640Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Sound	Strong	Sound	128	84.2%	-0.053%Below	$612Fees
Refinance	Sound	Acceptable	—	Strong	24	15.8%	-0.020%Below	$728Fees

Purchase

Overall

Strong

Product

Sound

Pricing

Strong

Pull Through

Sound

Volume128

Mix84.2%

Spread

-0.053%Below

Fees

$612Fees

Refinance

Overall

Sound

Product

Acceptable

Pricing—

Pull Through

Strong

Volume24

Mix15.8%

Spread

-0.020%Below

Fees

$728Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

152

Applications

167

Volume

$69 million

Pricing & Closing

Avg Rate Spread

-0.049%

vs. market APOR

Avg Net Fees

$626

Origination − Credits

Pullthrough Rate

91.0%

Applications → Closed

Typical Borrower

Avg Loan Amount

$455,263

Avg Borrower Income

$211,612

Avg Property Value

$646,118

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

12Full-year 2024 · HMDA

Loans originated

< 100100+None

Midwest2

ILIN

South8

ALARFLMSNCSCTNTX

West2

AZMT

Top Metro Areas by Place Specialization Score

Memphis, TNMetro

Volume 121Mix 79.61% of portfolio

77/100

Strong

Top States by Place Specialization Score

TennesseeState

Volume 127Mix 83.55% of portfolio

72/100

Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.