First Metro Bank in Alabama vs the state
6.8%Denial rate-13.06 pts vs state
7.9%Decision denial rate-17.11 pts vs state
78.3%Origination rate+22.89 pts vs state
—Median rate
—Rate spread (pts)
$87kMedian applicant income
173Loans originated
15Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 196 | 164 | 8.7% | — | #130 |
| 2024 | 185 | 144 | 13.0% | — | #148 |
| 2025 | 221 | 173 | 6.8% | — | #147 |
What First Metro Bank lends in Alabama
By loan purpose
By loan type
Where in Alabama
Counties with the most First Metro Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Colbert County | 76 | 56 | 6 | 7.9% |
| Lauderdale County | 74 | 64 | 3 | 4.1% |
| Franklin County | 25 | 22 | 1 | 4.0% |
| Limestone County | 18 | 11 | 3 | 16.7% |
| Lawrence County | 8 | 6 | 1 | 12.5% |
| Morgan County | 4 | 4 | 0 | 0.0% |
| Baldwin County | 4 | 3 | 0 | 0.0% |
| Winston County | 2 | 1 | 0 | 0.0% |
| Madison County | 2 | 2 | 0 | 0.0% |
| Marion County | 2 | 1 | 1 | 50.0% |
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: 221 applications in 2025, of which 173 were originated and 15 denied.
6.8% of all applications, or 7.9% 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 Metro 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