Applications / Mortgage Analytics / Lenders / Tennessee / First Federal Bank
Dickson, TN · Savings institution · FDIC · $1.1 billion assets · 315 loans in 2025
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315
loans originated, 2025
382
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First Federal Bank, a Tennessee savings institution, made 44% more loans in 2025, and it makes government-backed loans that most similar lenders do not.
It made 315 loans, up from 219, while similar lenders (savings institutions making between half and twice as many loans) grew 5%. Its rise was faster than at nearly nine in ten of them. The 2024 figure was its lowest since at least 2018, after a fall every year from 766 in 2020.
VA loans (guaranteed by the Department of Veterans Affairs) made up 4.1% of its lending, FHA loans (insured by the Federal Housing Administration) 2.5% and RHS loans (guaranteed by the Department of Agriculture's Rural Housing Service) 2.2%; the typical similar lender made none. Manufactured homes took 7.9%, against 0.9%. Its typical loan, $175,000, was smaller than at about three in four peers.
Low- and moderate-income (LMI) neighborhoods took 25.1% of its loans, against 15.1% at similar lenders, a higher share than at about nine in ten of them. Majority-minority neighborhoods took 8.6%, up from 4.1% in 2024. Purchases and refinancing were close to even, at 43.5% and 42.9%.
It has lent in Clarksville, KY-TN since at least 1990 and ranks 25 of 397 lenders there. Its share rose from 0.7% to 0.9%; Mortgage Research Center leads the market. In Nashville-Davidson--Murfreesboro--Franklin, TN it holds 0.1%.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. First Federal Bank took 382 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 43.5% · Refinance 42.9% · Other 7.0% · Home improvement 6.7%
Conventional 91.1% · VA 4.1% · FHA 2.5% · USDA (RHS or FSA) 2.2% · of 315 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Tennessee | 308 | 97.8% |
| Kentucky | 4 | 1.3% |
| Alabama | 1 | 0.3% |
| Georgia | 1 | 0.3% |
| Texas | 1 | 0.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Nashville-Davidson--Murfreesboro--Franklin | 139 |
| Clarksville | 116 |
| Killeen-Temple | 1 |
| Mobile | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300CNRVR02KBUDD48 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 220974 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 44081 | 1990–2010 |
| Respondent ID (the HMDA filer code before 2018) | 1704081 | 2011–2014 |
| Respondent ID (the HMDA filer code before 2018) | 329782 | 2015–2017 |
Established 16 October 1936. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: First Federal Bank's data.
First Federal Bank's data
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