Lender in Alabama · HMDA 2025
First Federal Bank, A FSB mortgages in Alabama
First Federal Bank, A FSB's 2025 home-purchase and refinance lending in Alabama, compared with all lenders in the state.
First Federal Bank, A FSB originated 1,090 owner-occupied single-family loans in Alabama from 1,154 completed applications, making it the state's #13 lender by volume.
Its median conventional purchase loan costs were $5,310 versus $4,370 for all Alabama lenders, at a median 30-year fixed rate of 6.50% (Alabama: 6.562%).
Loans in AL
1,090
of 1,154 applications
Denial rate
4.1%
Purchase · AL 9.1%
Rate spread
+0.00 pts
Conv. · AL +0.17 pts
Loan amount
$245,000
Purchase · AL $265,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 1,082 | 1,030 | 4.1% | 6.500% | +0.00 pts | $5,310 | $245,000 |
| Refinance | 38 | 31 | 15.8% | — | −0.08 pts | $6,390 | $325,000 |
| Cash-out refinance | 34 | 29 | 8.8% | — | — | — | $195,000 |
*Conventional loans only; medians with at least 20 loans.
Alabama counties where First Federal Bank, A FSB ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Tuscaloosa County | 1 | 405 | 16.1% |
| Fayette County | 1 | 19 | 11.6% |
| Hale County | 1 | 15 | 15.8% |
| Pickens County | 2 | 15 | 11.2% |
| Etowah County | 3 | 64 | 5.3% |
| Bibb County | 3 | 11 | 7.7% |
| Marengo County | 3 | 8 | 7.5% |
| Perry County | 4 | 2 | 10.0% |
| Cullman County | 5 | 55 | 4.8% |
| Sumter County | 7 | 2 | 5.0% |
| Lauderdale County | 8 | 38 | 2.8% |
| Greene County | 8 | 1 | 7.1% |
| Cherokee County | 9 | 7 | 2.5% |
| Calhoun County | 11 | 30 | 2.2% |
| Marshall County | 11 | 25 | 2.0% |
| Colbert County | 11 | 18 | 1.9% |
| Mobile County | 12 | 85 | 1.8% |
| Marion County | 12 | 6 | 2.8% |
| St. Clair County | 14 | 30 | 1.8% |
| DeKalb County | 14 | 16 | 2.3% |
| Baldwin County | 16 | 61 | 1.2% |
| Franklin County | 17 | 3 | 1.3% |
| Blount County | 22 | 7 | 1.0% |
| Walker County | 23 | 6 | 1.1% |
| Winston County | 23 | 2 | 1.1% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology