FirstBank in Alabama vs the state
27.0%Denial rate+7.17 pts vs state
28.9%Decision denial rate+3.87 pts vs state
53.7%Origination rate-1.72 pts vs state
6.63%Median rate+0.13 pts vs state
0.27Rate spread (pts)-0.02 pts vs state
$78kMedian applicant income
1,712Loans originated
862Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 3,604 | 1,640 | 29.8% | 6.63% | #8 |
| 2024 | 3,634 | 1,708 | 27.8% | 6.63% | #9 |
| 2025 | 3,190 | 1,712 | 27.0% | 6.63% | #13 |
What FirstBank lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most FirstBank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 422 | 317 | 46 | 10.9% |
| Madison County | 372 | 306 | 18 | 4.8% |
| Shelby County | 260 | 208 | 26 | 10.0% |
| Baldwin County | 212 | 133 | 35 | 16.5% |
| Tuscaloosa County | 169 | 90 | 41 | 24.3% |
| Mobile County | 123 | 49 | 42 | 34.1% |
| Chilton County | 97 | 51 | 21 | 21.6% |
| Limestone County | 94 | 80 | 2 | 2.1% |
| St. Clair County | 90 | 41 | 33 | 36.7% |
| Walker County | 82 | 15 | 41 | 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: 3,190 applications in 2025, of which 1,712 were originated and 862 denied.
27.0% of all applications, or 28.9% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans FirstBank originated in Alabama in 2025 was 6.63%, against a statewide median of 6.50%.
About this data. Figures are FirstBank'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