First National Bank of America in Alabama vs the state
14.9%Denial rate-4.96 pts vs state
19.4%Decision denial rate-5.56 pts vs state
59.6%Origination rate+4.18 pts vs state
9.13%Median rate+2.63 pts vs state
3.09Rate spread (pts)+2.80 pts vs state
$96kMedian applicant income
56Loans originated
14Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 101 | 70 | 12.9% | 10.19% | #202 |
| 2024 | 117 | 81 | 12.0% | 9.75% | #198 |
| 2025 | 94 | 56 | 14.9% | 9.13% | #235 |
What First National Bank of America lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most First National Bank of America applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 42 | 23 | 6 | 14.3% |
| Shelby County | 18 | 14 | 1 | 5.6% |
| Tuscaloosa County | 5 | 2 | 1 | 20.0% |
| Madison County | 5 | 3 | 0 | 0.0% |
| Franklin County | 3 | 0 | 3 | 100.0% |
| Baldwin County | 3 | 1 | 0 | 0.0% |
| Morgan County | 3 | 2 | 0 | 0.0% |
| Marshall County | 2 | 1 | 1 | 50.0% |
| Lee County | 2 | 2 | 0 | 0.0% |
| Limestone 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: 94 applications in 2025, of which 56 were originated and 14 denied.
14.9% of all applications, or 19.4% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans First National Bank of America originated in Alabama in 2025 was 9.13%, against a statewide median of 6.50%.
About this data. Figures are First National Bank of America'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