First Federal Bank, A FSB mortgage approval rate & lending review
First Federal Bank, A FSB decided 3,111 mortgage applications and funded 2,916 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions First Federal Bank, A FSB reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
First Federal Bank, A FSB at a glance
Approval is 8.6 points above the 86.8% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 96% | 2,522 / 2,626 | 99% | $255K | 2,488 |
| Cash-out refinance | 79% | 56 / 71 | 95% | $215K | 53 |
| Refinance | 88% | 76 / 86 | 99% | $305K | 75 |
| Investment property purchase | 96% | 299 / 312 | 96% | $205K | 286 |
First Federal Bank, A FSB lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Alabama | 95% | $255K | 3,033 | 2,845 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where First Federal Bank, A FSB lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Tuscaloosa County, AL | Mortgage lenders | 96% | 1,327 | 1,251 |
| Mobile County, AL | Mortgage lenders | 94% | 272 | 255 |
| Jefferson County, AL | Mortgage lenders | 97% | 260 | 243 |
| Etowah County, AL | Mortgage lenders | 97% | 232 | 222 |
| Tuscaloosa County, AL | Investment property purchase | 98% | 232 | 216 |
| Baldwin County, AL | Mortgage lenders | 99% | 155 | 154 |
| Shelby County, AL | Mortgage lenders | 98% | 120 | 117 |
| Calhoun County, AL | Mortgage lenders | 99% | 69 | 68 |
| Tuscaloosa County, AL | Refinance | 86% | 51 | 43 |
| Baldwin County, AL | Investment property purchase | 92% | 38 | 33 |
| Morgan County, AL | Mortgage lenders | 97% | 34 | 33 |
| Tuscaloosa County, AL | Cash-out refinance | 81% | 32 | 25 |
The county markets where First Federal Bank, A FSB made the most loans. Each link opens that market with every lender ranked.
Questions about First Federal Bank, A FSB
What is First Federal Bank, A FSB's mortgage approval rate?
First Federal Bank, A FSB approved 95.4% of the 3,111 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 8.6 points above the 86.8% national rate for the same mix of loan types.
How often do borrowers take the loan First Federal Bank, A FSB offers?
Borrowers accepted 98% of the loans First Federal Bank, A FSB approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does First Federal Bank, A FSB make?
The typical home purchase mortgage loan First Federal Bank, A FSB made was $255K; across all loan types its typical loan ran from $205K to $305K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does First Federal Bank, A FSB lend?
First Federal Bank, A FSB decided applications in 19 of the states Fat Boy Data covers, most of them in Alabama, Georgia and Florida.
Can I apply to First Federal Bank, A FSB directly?
Yes. First Federal Bank, A FSB is a bank or credit union with 55 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show First Federal Bank, A FSB's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how First Federal Bank, A FSB treats applications, then get a rate quote from the lender.