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 score and performance metrics.

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 an overall pricing score of 60.7/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is First Federal Bank?

First Federal Bank is a Bank headquartered in Dickson, TN.

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First Federal Bank

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First Federal Bank has 123 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

Sound

3/5

closing strength

Product

Sound

3/5

FHA · Conventional · VA

Place

Strong

4/5

Multi-Region · 2 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

What They Do Well

Competitive pricing compared to the market
Lower than average lender fees

Explore another lender or local market

Report Card

First Federal Bank performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Strong

+14.4 bps above market avg

4/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

91 loans · 0.16% above market

Sound

Top 60% of lenders

3/5

FHA

15 loans · 0.29% above market

Sound

Top 60% of lenders

3/5

13 loans · 0.28% below market

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Purchase

91 loans · 0.18% above market

Sound

Top 60% of lenders

3/5

Refinance

32 loans · 0.03% below market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Multi-Regional · 3 markets

Sound

Top 60% of lenders

3/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Sound	Sound	Sound	91	74.0%	+0.159%Above	$2,240Fees
FHA Loans	Sound	Sound	—	Strong	15	12.2%	+0.292%Above	$974Fees
VA Loans	Sound	Sound	—	—	13	10.6%	-0.277%Below	$581Fees

Conventional

Overall

Sound

Product

Sound

Pricing

Sound

Pull Through

Sound

Volume91

Mix74.0%

Spread

+0.159%Above

Fees

$2,240Fees

FHA Loans

Overall

Sound

Product

Sound

Pricing—

Pull Through

Strong

Volume15

Mix12.2%

Spread

+0.292%Above

Fees

$974Fees

VA Loans

Overall

Sound

Product

Sound

Pricing—

Pull Through—

Volume13

Mix10.6%

Spread

-0.277%Below

Fees

$581Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	Sound	Sound	91	74.0%	+0.184%Above	$2,125Fees
Refinance	Sound	Sound	—	Sound	32	26.0%	-0.033%Below	$1,064Fees

Purchase

Overall

Sound

Product

Sound

Pricing

Sound

Pull Through

Sound

Volume91

Mix74.0%

Spread

+0.184%Above

Fees

$2,125Fees

Refinance

Overall

Sound

Product

Sound

Pricing—

Pull Through

Sound

Volume32

Mix26.0%

Spread

-0.033%Below

Fees

$1,064Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

123

Applications

177

Volume

$32 million

Pricing & Closing

Avg Rate Spread

+0.144%

vs. market APOR

Avg Net Fees

$1,930

Origination − Credits

Pullthrough Rate

69.5%

Applications → Closed

Typical Borrower

Avg Loan Amount

$266,301

Avg Borrower Income

$126,122

Avg Property Value

$423,780

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

6Full-year 2024 · HMDA

Loans originated

< 100100+None

Midwest1

South5

ARFLKYTNTX

Top Metro Areas by Place Specialization Score

Clarksville, TN, TN-KYMetro

Volume 53Mix 43.09% of portfolio

73/100

Strong

Nashville, TNMetro

Volume 41Mix 33.33% of portfolio

63/100

Strong

Top States by Place Specialization Score

TennesseeState

Volume 116Mix 94.31% 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.