First Southern Bank
First Southern Bank received 101 applications in 2025 and made 78 mortgages, in 19 counties across 5 states. The median rate its borrowers got was Not published on a median loan of $140,000. Of 85 decisions, 7 were denials — 8.2%.
| Legal Entity Identifier | 254900P4A09O6AABF892 |
|---|---|
| Applications received | 101 |
| Mortgages made | 78 |
| Denied | 7 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 16 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: First Southern Bank, 7 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 30 | Not published | $260,000 | 14.3% |
| Refinancing | 34 | Not published | $125,000 | 0.0% |
| Cash-out refinancing | 8 | Under 10 loans | Under 10 loans | 20.0% |
| Other purposes | 6 | Under 10 loans | Under 10 loans | 0.0% |
Where First Southern Bank lends most
The 19 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Lauderdale County, AL | 47 | Not published | 6.0% |
| Colbert County, AL | 14 | Not published | 12.5% |
| Lawrence County, AL | 2 | Under 10 loans | 0.0% |
| Lawrence County, TN | 2 | Under 10 loans | 0.0% |
| Baldwin County, AL | 1 | Under 10 loans | 0.0% |
| Cullman County, AL | 1 | Under 10 loans | 0.0% |
| DeKalb County, AL | 1 | Under 10 loans | 50.0% |
| Etowah County, AL | 1 | Under 10 loans | 0.0% |
| Marshall County, AL | 1 | Under 10 loans | 0.0% |
| Morgan County, AL | 1 | Under 10 loans | 0.0% |
| Tuscaloosa County, AL | 1 | Under 10 loans | 0.0% |
| Lake County, FL | 1 | Under 10 loans | 0.0% |
| Pasco County, FL | 1 | Under 10 loans | 0.0% |
| Pinellas County, FL | 1 | Under 10 loans | 0.0% |
| Seminole County, FL | 1 | Under 10 loans | 0.0% |
| Davidson County, TN | 1 | Under 10 loans | 0.0% |
| Bowie County, TX | 1 | Under 10 loans | 0.0% |
| Prentiss County, MS | 0 | Under 10 loans | 100.0% |
| Henderson County, TN | 0 | Under 10 loans | Not published |
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When First Southern Bank’s figures are published for the next year, or restated.
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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.