Financial Federal Bank mortgage approval rate & lending review
Financial Federal Bank decided 566 mortgage applications and funded 563 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Financial Federal Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Financial Federal Bank at a glance
Approval is 18.4 points above the 81.1% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 100% | 296 / 296 | 100% | $405K | 296 |
| Cash-out refinance | 99% | 135 / 137 | 100% | $15K | 135 |
| Investment property purchase | 97% | 29 / 30 | 100% | $205K | 29 |
| Investment refinance | 100% | 87 / 87 | 100% | $135K | 87 |
Financial Federal Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Tennessee | 99% | $405K | 514 | 511 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Financial Federal Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Shelby County, TN | Mortgage lenders | 100% | 253 | 253 |
| Shelby County, TN | Cash-out refinance | 98% | 132 | 130 |
| Shelby County, TN | Investment refinance | 100% | 86 | 86 |
The county markets where Financial Federal Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Financial Federal Bank
What is Financial Federal Bank's mortgage approval rate?
Financial Federal Bank approved 99.5% of the 566 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 18.4 points above the 81.1% national rate for the same mix of loan types.
How often do borrowers take the loan Financial Federal Bank offers?
Borrowers accepted 100% of the loans Financial Federal Bank approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Financial Federal Bank make?
The typical home purchase mortgage loan Financial Federal Bank made was $405K; across all loan types its typical loan ran from $15K to $405K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Financial Federal Bank lend?
Financial Federal Bank decided applications in 16 of the states Fat Boy Data covers, most of them in Tennessee, Mississippi and Alabama.
Can I apply to Financial Federal Bank directly?
Yes. Financial Federal Bank is a bank or credit union with 1 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Financial Federal Bank's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Financial Federal Bank treats applications, then get a rate quote from the lender.