Analyzing 7,234,1467.2M ReviewsFor 20,51020.5K Experts

1st Franklin Financial logo

1st Franklin Financial

Loan agency · Gulfport, MS · reviewed since 2015

How the Experts Score is calculatedEach factor is scored 0–100 on absolute terms (standing in the category can only raise it), then weighted; problems flagged in review highlights or a recent slide in ratings are subtracted:Satisfaction 64%88+55.9Reliability 28%84+23.7Replies to reviews 8%97+8Momentum penalty81−1.9Experts Score= 86Not enough data for value; its weight is shared by the others.Grade A: A = 80+, B = 60–79, C = 40–59, D = 20–39. Needs 10+ reviews.86SCORE
AGradeLetter from the Experts Score: A = 80+, B = 60–79, C = 40–59, D = 20–39, F = under 20.
#25 of 34 financial advisorsPosition by Experts Score among all companies we track in this category. · better than 27%
4.9 ★★★★★ 172 Google reviews · 16 photos
95%five-star reviews
4.77★last 12 monthsAverage stars on reviews from the last 12 months only.
3.1%1–2★ in 2 yearsShare of 1–2★ reviews in the last 24 months — or the 20 newest reviews when the company had fewer than 20 in that time.
95%reviews answered by the owner
Oct 2026latest review
📞 Call (228) 539-9336Request a call backWebsite ↗

1st Franklin Financial at a glance

Google reviewers rate the agency 4.9 out of 5 based on 172 reviews, with the owner responding to 95 percent. Customers frequently cite fast processing, friendly staff, and helpful communication for small loans, noting that staff often go above and beyond to assist. One low-star review describes a negative experience involving a garnishment and incorrect contact information, suggesting potential issues with account transfers or data accuracy.

  • Google rating: 4.9 out of 5 from 172 reviews (95% five-star).
  • Reviews on this page: 172 Google reviews (150 with written comments, 5 with photos).
  • Owner responses: the business replied to 95% of reviews.
  • Most recent review: October 30, 2026.
  • Service: Financial Advisor serving Gulfport, Mississippi.

Data from Google, last updated November 1, 2026.

Score profile vs other financial advisors

Score per factor (100 = best)Each factor is scored 0–100 on absolute terms (star average, share of 1–2★ reviews, price verdicts…); standing within the category can only raise it, never lower it.. Strongest: replies to reviews and satisfaction; weakest: momentum.

Satisfaction88Reliability84Craft & service–Value–Momentum81Replies to reviews97Satisfaction: 88 (median 97)Reliability: 84 (median 98)Momentum: 81 (median 100)Replies to reviews: 97 (median 74)
1st Franklin FinancialFinancial Advisors median0 = centre, 100 = best
SatisfactionSatisfaction · 54% of the scoreRecency-weighted star average (2-year half-life), shrunk toward the category mean by review volume; the company’s own lifetime average as the prior; absolute: 4.0★ = 0, 5★ = 100.1st Franklin Financial: 88/100 on this factor. Category median: 97.A
88
ReliabilityReliability · 24% of the scoreHow rarely jobs go badly: share of 1–2★ reviews — 60% the last 24 months (or the 20 newest if fewer), 40% all-time; 0% = 100, 15%+ = 0; the category percentile can only raise it.1st Franklin Financial: 84/100 on this factor. Category median: 98.A
84
Craft & serviceCraft & service · penalty only, up to −10 pointsGoogle review highlights: Quality, Professionalism, Responsiveness, Punctuality — how rarely reviewers flag them as a negative, per review since highlights began; 0% = 100, 5%+ = 0. Subtracted from the score (up to −10), never averaged in — clean highlights are the norm, not a bonus.Not enough reviews for this factor yet. Category median: 100.–
–
ValueValue · 14% of the scoreCustomers’ own price verdicts (Great / Reasonable vs Overpriced) and Value highlights; 65% absolute (all “reasonable” ≈ 80, “great” = 100), the category percentile can only raise it.Not enough reviews for this factor yet. Category median: 100.–
–
MomentumMomentum · penalty only, up to −10 pointsPenalises only a real slide: last-12-month average below lifetime (−0.5★ = 0). Still 4.8★+ over the last year, or steady/improving = 100. Subtracted from the score (up to −10), never averaged in.1st Franklin Financial: 81/100 on this factor. Category median: 100.A
81
Replies to reviewsReplies to reviews · 7% of the scoreHow often the owner publicly replies to reviews under 5★ (1–4★). Needs 3+ such reviews, otherwise not counted; 65% absolute (80%+ replied = 100), the category percentile can only raise it.1st Franklin Financial: 97/100 on this factor. Category median: 74.A
97

Bar = this company · dark tick = category median.

Star ratings

172 Google reviews we collected

  • 5 stars16495%
  • 4 stars53%
  • 3 stars00%
  • 2 stars00%
  • 1 star32%

Praise vs complaints

Phrases our text analysis found in 150 written reviews

  • Praise14299%
  • Complaints11%

Topic share

How often each topic comes up in the written reviews

  • Staff & attitude6344%
  • Would recommend3424%
  • Quality & results2618%
  • Speed & response1510%
  • Honesty & trust32%
  • Communication21%

What customers talk about

We read 150 written reviews and marked every phrase about these topics. The same colors are highlighted in the reviews.

  • “Mr Fred and 1st Franklin are the best company I know he was nice and helped me in my time of need all the staff is so nice and friendly thank you Mr F…”
  • “I would recommend them for anyone that needs help with finances.”
  • “The crew as a whole at 1st Franklin are top notch!”
  • “Fred was a good worker he handled everything within a timely manner.”
  • “Their definitely a company you can trust and count on.”
  • “Very nice people and easy to work with.”

People customers mention

  • Fred 30 reviews
  • Faulk 4 reviews
  • Mike 3 reviews
  • Chase 3 reviews

praise complaint · found by our text analysis, Google review wording unchanged.

Recent reviews

Alexis1 reviewTotal number of Google reviews this person has written across all businesses on Google Maps (not just this one). More reviews usually means a more experienced, trustworthy reviewer. · a month ago★★★★★

FRED WAS AWESOME 👏 TOOK GREAT CARE OF US VERY FUNNY BUT GREAT CUSTOMER SERVICE..

Chris2 reviewsTotal number of Google reviews this person has written across all businesses on Google Maps (not just this one). More reviews usually means a more experienced, trustworthy reviewer. · 4 months ago★★★★★

Very fast and Great. I needed money to help pay for my car repair and they took good care of me. I would recommend them for anyone that needs help with finances. Excellent place of business!!!!!

Angela1 reviewTotal number of Google reviews this person has written across all businesses on Google Maps (not just this one). More reviews usually means a more experienced, trustworthy reviewer. · 4 months ago★★★★★

Mr. Fred was a good worker he handled everything within a timely manner. He even came in on the weekend just to help out with my situation I would recommend his services.

Eden4 reviewsTotal number of Google reviews this person has written across all businesses on Google Maps (not just this one). More reviews usually means a more experienced, trustworthy reviewer. · 4 months ago★★★★★

Always awesome and such a sweet group. I never have a single issue anytime I come here.

KimberlyLocal Guide · 13 reviewsTotal number of Google reviews this person has written across all businesses on Google Maps (not just this one). More reviews usually means a more experienced, trustworthy reviewer. · 5 months ago★★★★★

Mr Fred and 1st Franklin are the best company I know he was nice and helped me in my time of need all the staff is so nice and friendly thank you Mr Fred and 1st Franklin financial I recommend 1st Franklin financial

Francesca3 reviewsTotal number of Google reviews this person has written across all businesses on Google Maps (not just this one). More reviews usually means a more experienced, trustworthy reviewer. · Edited 7 months ago★★★★★

The crew as a whole at 1st Franklin are top notch!! Dawn always has a smile on! They will go above and beyond to help!Highly recommend!

Compare with

Photos

Customer reviews

4.9 ★★★★★ 172 reviews on Google · rating breakdown

Reviews from Google, shown as published (original wording, unedited).

Team members customers mention
Filter by topic — each topic is highlighted in the reviews in the same color
Cam ScottLocal Guide · 44 reviewsTotal number of Google reviews Cam has written across all businesses on Google Maps, not just this one.
Review from Google · view on Google
★★★★★

Don’t go here

Response from the owner · a day ago

Your feedback is important to us, and we’d like to understand more about what happened. Please contact our Customer Care Center at 1-833-233-9270 at your convenience.

six x mono love12 reviewsTotal number of Google reviews six has written across all businesses on Google Maps, not just this one.
Review from Google · view on Google
★★★★★

Yes the

  • Application process: Quick and easy
Response from the owner · 3 weeks ago

Thank you so much for the five stars!

Leigh1 reviewTotal number of Google reviews Leigh has written across all businesses on Google Maps, not just this one.
Review from Google · view on Google
★★★★★

Fred was exceptional, kind and caring! Clean place and friendly service!

  • Application process: Quick and easy
Response from the owner · a month ago

Thrilled to hear about your wonderful experience with Fred! It's fantastic to know he made such a positive impression with his kindness and care. We take pride in maintaining a clean and welcoming environment, and it's great to see that reflected in your visit.

Connie Hall1 reviewTotal number of Google reviews Connie has written across all businesses on Google Maps, not just this one.
Review from Google · view on Google
★★★★★

Mr Fred is great. Looking forward to doing lots of business w him and 1ffc

Response from the owner · a month ago

Thank you so much, Connie! It's wonderful to hear that you had such a positive experience with Mr. Fred. We're thrilled to have you as part of the 1st Franklin Financial family and look forward to supporting you with all your financial needs.

Alexis Longino1 reviewTotal number of Google reviews Alexis has written across all businesses on Google Maps, not just this one.
Review from Google · view on Google
★★★★★

FRED WAS AWESOME 👏 TOOK GREAT CARE OF US VERY FUNNY BUT GREAT CUSTOMER SERVICE..

  • Application process: Quick and easy
Response from the owner · a month ago

We really appreciate your rating and your trust in us. It means a lot!

Chris Longino2 reviewsTotal number of Google reviews Chris has written across all businesses on Google Maps, not just this one.
Review from Google · view on Google
★★★★★

Very fast and Great. I needed money to help pay for my car repair and they took good care of me. I would recommend them for anyone that needs help with finances. Excellent place of business!!!!!

Response from the owner · 3 months ago

It's wonderful to hear that we could assist you quickly when you needed help with your car repair. Your recommendation means a lot to us, and we're thrilled to know you consider us an excellent place of business.

Angela Monroe1 reviewTotal number of Google reviews Angela has written across all businesses on Google Maps, not just this one.
Review from Google · view on Google
★★★★★

Mr. Fred was a good worker he handled everything within a timely manner. He even came in on the weekend just to help out with my situation I would recommend his services.

Response from the owner · 4 months ago

Thank you so much, Angela, for sharing your wonderful experience with us! It's fantastic to hear that Mr. Fred went above and beyond to assist you, even coming in on the weekend. We’re thrilled to know he made such a positive impact on your experience.

Risky BiscuitsLocal Guide · 15 reviewsTotal number of Google reviews Risky has written across all businesses on Google Maps, not just this one.
Review from Google · view on Google
★★★★★

They are fine.

Response from the owner · 4 months ago

If there's anything specific you think we could do to make your next visit better, we'd love to hear your thoughts. Your input helps us improve and continue providing the best service possible.

Eden Keller4 reviewsTotal number of Google reviews Eden has written across all businesses on Google Maps, not just this one.
Review from Google · view on Google
★★★★★

Always awesome and such a sweet group. I never have a single issue anytime I come here.

Response from the owner · 4 months ago

It's wonderful to hear that you always have a great experience with our team. We strive to make every visit as smooth and pleasant as possible, and your kind words mean the world to us.

Kimberly DeshieldsLocal Guide · 13 reviewsTotal number of Google reviews Kimberly has written across all businesses on Google Maps, not just this one.
Review from Google · view on Google
★★★★★

Mr Fred and 1st Franklin are the best company I know he was nice and helped me in my time of need all the staff is so nice and friendly thank you Mr Fred and 1st Franklin financial I recommend 1st Franklin financial

Response from the owner · 4 months ago

Thank you so much, Kimberly. We're thrilled to know you found our staff friendly and helpful. Your recommendation means the world to us, and we're grateful for your trust in 1st Franklin Financial. If you ever need anything else, we're always here to help!

1st Franklin Financial on Google Maps →

Business details

  • Address: 12261 US 49 Ste 15, Gulfport, MS 39503
  • Phone: (228) 539-9336
  • Website: 1ffc.com
  • Service area: Gulfport, MS