First National Bank in Alabama vs the state
1.1%Denial rate-18.74 pts vs state
1.2%Decision denial rate-23.81 pts vs state
92.2%Origination rate+36.83 pts vs state
7.99%Median rate+1.49 pts vs state
2.41Rate spread (pts)+2.12 pts vs state
$62kMedian applicant income
83Loans originated
1Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 114 | 102 | 2.6% | 7.64% | #181 |
| 2024 | 108 | 93 | 5.6% | 7.89% | #207 |
| 2025 | 90 | 83 | 1.1% | 7.99% | #241 |
What First National Bank lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most First National Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Marion County | 36 | 34 | 0 | 0.0% |
| Winston County | 27 | 24 | 1 | 3.7% |
| Lamar County | 10 | 10 | 0 | 0.0% |
| Walker County | 6 | 5 | 0 | 0.0% |
| Franklin County | 5 | 5 | 0 | 0.0% |
| Fayette County | 3 | 2 | 0 | 0.0% |
| Tuscaloosa County | 2 | 2 | 0 | 0.0% |
| Lauderdale 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: 90 applications in 2025, of which 83 were originated and 1 denied.
1.1% of all applications, or 1.2% 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 originated in Alabama in 2025 was 7.99%, against a statewide median of 6.50%.
About this data. Figures are First National 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