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First Financial Network

First in the Business

First in Loan Sales

We minimize risk, maximize value and provide strategic

loan sale advisory services.

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Financial Institutions We've Worked With

We don’t just understand the industry—we created it.

We’ve sold millions of loans across domestic and international markets, so we know what works. First Financial Network pioneers solutions that minimize risk and maximize value for our clients and their loan portfolios. With our expertise, you benefit from an unparalleled success rate in today’s financial market.

$1.9

Trillion

Loans Valued

2021-2023

  • $9.6

    Billion

    Loans Sold

    2021-2023

  • 96%

    Rate

    Loan Sale Closing Rate

  • 27

    Years

    Executive Tenure

What We Do

Loan sales are our core business. We value and sell all asset types and performance levels domestic and international. We offer services you can depend on.

Quarterly Loan Sale Event™

Our Quarterly Loan Sale Event™ provides a secure, supported process to sell your loans every quarter.

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FirstValue™ Loan Valuation Model

The FirstValue™ framework reflects market-based values for loan portfolios of any size, from one loan to thousands at a time, providing a more accurate valuation.

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Loan Sale Network™

Loan Sale Network™ is our secure online loan sales platform that integrates the due diligence, marketing and bidding component of large portfolio sales and individual loan trading.

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Our Team

Experts in Loan Sales

First Financial Network (FFN) is made up of innovators committed to excellence. As the first loan sale advisory firm, established in 1989, our longevity and repeat business are a testament to our ability to execute successful transactions that benefit our clients.

We are woman-owned operated and certified as a Women’s Business Enterprise by the Women’s Business Enterprise National Council (WBENC).

Our Team

Upcoming Loan Sales

$31 Million CRE and Agricultural Loan Sale

November 19, 2024

4Q2024 Quarterly Loan Sale Event

December 10, 2024

The First Financial Network Difference

Accurate Valuation Projections
Highest Transaction Volume
The First Loan Sale Advisor
Maximum Returns
Client Relationships Spanning Decades
Legal Closing Services
Highest Close Rate
Proprietary Loan Sale Platform

Client Testimonials

FFN brings a complete solution to its clients.

First Financial Network is an invaluable partner to financial institutions that need to develop a market to liquidate non-strategic and illiquid assets in the secondary market. FFN brings a complete solution to banks, from marketing, analysis, data collection and security, and a deep and impressive rolodex of buyers.

National Bank | Senior Vice President

FFN is focused on cutting edge technology & customer service.

I was a Senior Vice President at two of the top five US banks from 1992 to 2018.  I have had the pleasure of partnering with the First Financial Network team for almost 25 years. I have utilized their services to sell over 10,000 loans, either by large bulk sales of 1,500 notes or more, and one-off note sales. Bliss Morris and her team are extraordinary professionals. They are focused on cutting edge technology and customer service. I wholeheartedly recommend them for your note sale needs.

Financial Institution | Managing Director, Special Assets

FFN is a highly valued partner in Freddie Mac’s NPL transactions.

First Financial Network (FFN) is a highly valued partner in Freddie Mac’s Non-Performing Loan (NPL) Sale transactions. As co-advisor, FFN plays an important role in reaching out to non-profits and Minority, Women, Disabled, LGBTQ+, Veteran or Service-Disabled Veteran-Owned Businesses (MWDOBs), neighborhood advocacy organizations and promoting our program.

Freddie Mac | Senior Director

CEO Bliss Morris leads with the highest degree of personal integrity.

Bliss’ ability to manage these sales and create market liquidity in a very challenging economic environment has played an instrumental role in healing our country’s financial system. Bliss runs her company and conducts business with the highest level of personal integrity. She is a role model for working mothers and giving back to her community.

Money Center Bank | Senior Vice President, Global Risk Management

FFN has the pulse on ever-changing loan sale market.

As an investor, having started acquiring notes from the FDIC, I have known members of the FFN team since the beginning (for a very long time). As we have transitioned from having to travel around the country monitored by Bliss or Jamie to the current platform, the organization is as robust as ever and a leader in loan sale advisory.

Fund | Owner

FFN's relationships are broad and deep.

FFN has been a trusted advisor for us – both on the buying and selling side.  We have appreciated their ability to handle all aspects and phases of the loan sale process, from valuation guidance to the minutia of detailed document transfer.  Their relationships are broad and deep, and the team’s market knowledge and candor help us all cut to the chase and get to successful resolution on transactions.

Bridge Lender & Equity Provider | Managing Partner

FFN is top of the list.

My relationship with First Financial dates back over twenty years.  Whenever I’m asked to recommend a loan sale advisor, without hesitation, First Financial Network is at the top of my list.

National Bank | Senior Vice President

FFN eliminates uncertainty in loan sale closings.

FFN’s team is a group of savvy professionals who have a nationwide reach, creating the ability to maximize pricing and execution. Their structured sales process eliminates significant uncertainty from the closings allowing bank professionals to leverage their resources and balance sheet.

Regional Bank | Managing Director

Why choose FFN?

Simply put – FFN is the best in the business.

Community Bank | Vice President

Buy Loans

The Loan Sale Network™ provides market access to our wide range of loan sales to review organized due diligence information, connect with sale support, place bids securely and more.

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Sell Loans

FFN provides comprehensive loan sale advisory services. We sell all asset types and performance levels, domestic and international.

Connect With Us

Value Your Portfolio

Our unique valuation tool allows you to get an accurate valuation estimate for your portfolio.

Try Valuation Tool

The Nation’s First and Finest

Our Story

Bliss Morris, CEO, founded First Financial Network in 1989, establishing the first loan sale advisory firm in the U.S. At the time, loan sales were a niche market in an industry that was emerging from the Savings & Loan Crisis.

FFN has grown to sell billions of dollars in loans in over 30 countries through some of history’s hardest economic cycles. Now, Bliss and FFN are recognized as leaders in the loan sales industry