First Bank of Alabama in Alabama vs the state
9.6%Denial rate-10.28 pts vs state
9.7%Decision denial rate-15.34 pts vs state
80.4%Origination rate+24.99 pts vs state
—Median rate
—Rate spread (pts)
$91kMedian applicant income
168Loans originated
20Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 199 | 157 | 10.1% | — | #127 |
| 2024 | 181 | 139 | 13.8% | — | #150 |
| 2025 | 209 | 168 | 9.6% | — | #152 |
What First Bank of Alabama lends in Alabama
By loan purpose
By loan type
Where in Alabama
Counties with the most First Bank of Alabama applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Talladega County | 60 | 47 | 5 | 8.3% |
| Randolph County | 49 | 36 | 7 | 14.3% |
| Calhoun County | 26 | 20 | 4 | 15.4% |
| Cleburne County | 17 | 16 | 0 | 0.0% |
| St. Clair County | 10 | 9 | 0 | 0.0% |
| Shelby County | 8 | 8 | 0 | 0.0% |
| Chilton County | 7 | 6 | 1 | 14.3% |
| Jefferson County | 6 | 5 | 0 | 0.0% |
| Tuscaloosa County | 6 | 6 | 0 | 0.0% |
| Clay County | 5 | 4 | 0 | 0.0% |
Other large lenders in Alabama
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Regions Bank | C | 11,871 | 37.2% | 4.99% |
| Rocket Mortgage | C | 9,941 | 20.5% | 6.63% |
| Vanderbilt Mortgage and Finance | F | 8,461 | 41.4% | 9.50% |
| United Shore Financial Services | B | 7,689 | 12.0% | 6.13% |
| 21st Mortgage | F | 6,507 | 46.0% | 9.98% |
| Mortgage Research Center | C | 5,107 | 18.4% | 6.25% |
| REDSTONE Federal Credit Union | C | 4,548 | 18.9% | 8.13% |
| Dhi Mortgage Company | B | 3,909 | 17.5% | 4.99% |
| Freedom Mortgage | B | 3,725 | 8.7% | 6.25% |
| Pennymac Loan Services | C | 3,611 | 11.6% | 6.25% |
Frequently asked questions
Alabama: 209 applications in 2025, of which 168 were originated and 20 denied.
9.6% of all applications, or 9.7% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are First Bank of Alabama's own HMDA filing for properties located in Alabama, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology