First National Bank of Pulaski in Alabama vs the state
4.7%Denial rate-15.12 pts vs state
5.3%Decision denial rate-19.66 pts vs state
83.8%Origination rate+28.39 pts vs state
—Median rate
—Rate spread (pts)
$119kMedian applicant income
124Loans originated
7Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 179 | 137 | 5.0% | — | #139 |
| 2024 | 141 | 114 | 2.8% | — | #180 |
| 2025 | 148 | 124 | 4.7% | — | #185 |
What First National Bank of Pulaski 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 Pulaski applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Limestone County | 57 | 46 | 1 | 1.8% |
| Madison County | 41 | 37 | 0 | 0.0% |
| Cullman County | 21 | 17 | 3 | 14.3% |
| Lauderdale County | 13 | 10 | 2 | 15.4% |
| Morgan County | 3 | 3 | 0 | 0.0% |
| Jefferson County | 2 | 2 | 0 | 0.0% |
| Marshall County | 2 | 2 | 0 | 0.0% |
| Blount County | 1 | 1 | 0 | 0.0% |
| DeKalb County | 1 | 1 | 0 | 0.0% |
| Baldwin County | 1 | 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 124 were originated and 7 denied.
4.7% of all applications, or 5.3% 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 National Bank of Pulaski'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