First Federal Bank, A FSB
First Federal Bank, A FSB received 1,836 applications in 2025 and made 1,328 mortgages, in 93 counties across 16 states. The median rate its borrowers got was 6.250% on a median loan of $235,000. Of 1,409 decisions, 63 were denials — 4.5%, most often for credit history.
| Legal Entity Identifier | 549300ROGHTFGYNKE773 |
|---|---|
| Applications received | 1,836 |
| Mortgages made | 1,328 |
| Denied | 63 |
| Approved, not taken up | 18 |
| Withdrawn or incomplete | 427 |
| Loans bought from other lenders | 8 |
| Median rate spread over the prime offer rate | 0.08 points |
| FDIC-insured bank | Yes: First Federal Bank, A FSB, 3 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 1,249 | 6.250% | $235,000 | 4.0% |
| Refinancing | 39 | 6.250% | $295,000 | 14.9% |
| Cash-out refinancing | 35 | 6.500% | $185,000 | 9.8% |
| Other purposes | 5 | Under 10 loans | Under 10 loans | 0.0% |
Where First Federal Bank, A FSB lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Tuscaloosa County, AL | 513 | 6.250% | 3.5% |
| Mobile County, AL | 97 | 6.250% | 5.8% |
| Etowah County, AL | 74 | 6.000% | 5.1% |
| Jefferson County, AL | 74 | 6.313% | 4.9% |
| Baldwin County, AL | 71 | 6.375% | 1.4% |
| Cullman County, AL | 70 | 6.125% | 5.4% |
| Lauderdale County, AL | 41 | 6.125% | 4.7% |
| Shelby County, AL | 41 | 6.375% | 2.4% |
| Calhoun County, AL | 33 | 6.125% | 0.0% |
| St. Clair County, AL | 33 | 6.375% | 2.9% |
| Marshall County, AL | 30 | 5.875% | 3.2% |
| Colbert County, AL | 21 | 6.000% | 12.5% |
| Fayette County, AL | 21 | 6.125% | 12.5% |
| DeKalb County, AL | 18 | 6.000% | 0.0% |
| Madison County, AL | 17 | 6.250% | 14.3% |
| Pickens County, AL | 17 | 6.000% | 5.3% |
| Hale County, AL | 15 | 6.125% | 11.8% |
| Bibb County, AL | 14 | 6.000% | 0.0% |
| Morgan County, AL | 13 | 6.500% | 0.0% |
| Blount County, AL | 8 | Under 10 loans | 0.0% |
| Cherokee County, AL | 8 | Under 10 loans | 0.0% |
| Marengo County, AL | 8 | Under 10 loans | 0.0% |
| Limestone County, AL | 7 | Under 10 loans | 0.0% |
| Marion County, AL | 7 | Under 10 loans | 11.1% |
| Walker County, AL | 6 | Under 10 loans | 0.0% |
| Talladega County, AL | 5 | Under 10 loans | 0.0% |
| Winston County, AL | 4 | Under 10 loans | 0.0% |
| Franklin County, AL | 3 | Under 10 loans | 40.0% |
| Chilton County, AL | 2 | Under 10 loans | 0.0% |
| Clarke County, AL | 2 | Under 10 loans | 0.0% |
| Elmore County, AL | 2 | Under 10 loans | 0.0% |
| Greene County, AL | 2 | Under 10 loans | 33.3% |
| Henry County, AL | 2 | Under 10 loans | 0.0% |
| Jackson County, AL | 2 | Under 10 loans | 0.0% |
| Perry County, AL | 2 | Under 10 loans | 0.0% |
| Sumter County, AL | 2 | Under 10 loans | 0.0% |
| Coweta County, GA | 2 | Under 10 loans | 0.0% |
| Forsyth County, GA | 2 | Under 10 loans | 0.0% |
| Fulton County, GA | 2 | Under 10 loans | 0.0% |
| Jackson County, MS | 2 | Under 10 loans | 0.0% |
| Mecklenburg County, NC | 2 | Under 10 loans | 0.0% |
| Davidson County, TN | 2 | Under 10 loans | 0.0% |
| Chambers County, AL | 1 | Under 10 loans | 0.0% |
| Cleburne County, AL | 1 | Under 10 loans | 0.0% |
| Dale County, AL | 1 | Under 10 loans | 0.0% |
| Dallas County, AL | 1 | Under 10 loans | 0.0% |
| Houston County, AL | 1 | Under 10 loans | 0.0% |
| Lamar County, AL | 1 | Under 10 loans | 0.0% |
| Lee County, AL | 1 | Under 10 loans | 0.0% |
| Monroe County, AL | 1 | Under 10 loans | 0.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.