First Federal Bank, A in Alabama vs the state
3.4%Denial rate-16.42 pts vs state
4.5%Decision denial rate-20.55 pts vs state
72.8%Origination rate+17.41 pts vs state
6.25%Median rate-0.25 pts vs state
0.08Rate spread (pts)-0.21 pts vs state
$89kMedian applicant income
1,293Loans originated
61Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,667 | 1,177 | 3.7% | 6.38% | #24 |
| 2024 | 1,816 | 1,315 | 4.4% | 6.25% | #27 |
| 2025 | 1,776 | 1,293 | 3.4% | 6.25% | #28 |
What First Federal Bank, A lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most First Federal Bank, A applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Tuscaloosa County | 696 | 513 | 19 | 2.7% |
| Mobile County | 136 | 97 | 6 | 4.4% |
| Jefferson County | 101 | 74 | 4 | 4.0% |
| Cullman County | 99 | 70 | 4 | 4.0% |
| Baldwin County | 97 | 71 | 1 | 1.0% |
| Etowah County | 95 | 74 | 4 | 4.2% |
| Shelby County | 57 | 41 | 1 | 1.8% |
| Lauderdale County | 51 | 41 | 2 | 3.9% |
| St. Clair County | 42 | 33 | 1 | 2.4% |
| Calhoun County | 41 | 33 | 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: 1,776 applications in 2025, of which 1,293 were originated and 61 denied.
3.4% of all applications, or 4.5% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans First Federal Bank, A originated in Alabama in 2025 was 6.25%, against a statewide median of 6.50%.
About this data. Figures are First Federal Bank, A'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