First Federal Bank in Alabama vs the state
12.8%Denial rate-7.01 pts vs state
17.0%Decision denial rate-8.04 pts vs state
61.5%Origination rate+6.10 pts vs state
6.13%Median rate-0.38 pts vs state
-0.14Rate spread (pts)-0.43 pts vs state
$110kMedian applicant income
91Loans originated
19Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 107 | 74 | 11.2% | 6.63% | #188 |
| 2024 | 171 | 101 | 9.4% | 6.38% | #154 |
| 2025 | 148 | 91 | 12.8% | 6.13% | #184 |
What First Federal Bank lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most First Federal Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Madison County | 21 | 12 | 4 | 19.0% |
| Baldwin County | 17 | 11 | 3 | 17.6% |
| Houston County | 10 | 8 | 0 | 0.0% |
| Montgomery County | 9 | 6 | 0 | 0.0% |
| Jefferson County | 9 | 6 | 1 | 11.1% |
| Mobile County | 8 | 6 | 1 | 12.5% |
| Autauga County | 7 | 5 | 1 | 14.3% |
| Lee County | 7 | 1 | 2 | 28.6% |
| Shelby County | 6 | 3 | 1 | 16.7% |
| Limestone County | 6 | 1 | 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: 148 applications in 2025, of which 91 were originated and 19 denied.
12.8% of all applications, or 17.0% 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 originated in Alabama in 2025 was 6.13%, against a statewide median of 6.50%.
About this data. Figures are First Federal Bank'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