First Savings Bank in Alabama vs the state
53.3%Denial rate+33.48 pts vs state
61.5%Decision denial rate+36.54 pts vs state
33.3%Origination rate-22.06 pts vs state
7.63%Median rate+1.13 pts vs state
0.34Rate spread (pts)+0.05 pts vs state
$88kMedian applicant income
5Loans originated
8Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 42 | 22 | 4.8% | 7.13% | #298 |
| 2024 | 17 | 11 | 11.8% | 7.63% | #402 |
| 2025 | 15 | 5 | 53.3% | 7.63% | #422 |
What First Savings Bank lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most First Savings Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Madison County | 5 | 2 | 3 | 60.0% |
| Morgan County | 3 | 1 | 2 | 66.7% |
| Mobile County | 2 | 1 | 1 | 50.0% |
| Shelby County | 1 | 0 | 0 | 0.0% |
| DeKalb County | 1 | 1 | 0 | 0.0% |
| Tuscaloosa County | 1 | 0 | 1 | 100.0% |
| Tallapoosa County | 1 | 0 | 0 | 0.0% |
| Jefferson County | 1 | 0 | 1 | 100.0% |
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: 15 applications in 2025, of which 5 were originated and 8 denied.
53.3% of all applications, or 61.5% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans First Savings Bank originated in Alabama in 2025 was 7.63%, against a statewide median of 6.50%.
About this data. Figures are First Savings 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