First Federal Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2005
First Federal Bank 2005 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | First Federal Bank 1300 Mcfarland Boulevard Ne Tuscaloosa, AL 35406 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 2,297 |
| Total Mortgage Loan Application Amount | $292,725,000 |
| Average Mortgage Loan Application Amount | $154,666 |
| Highest Mortgage Loan Application Amount | $1,058,000 |
| Average Applicant Income | $77,133 |
| Highest Applicant Income | $743,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2005 with First Federal Bank. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing First Federal Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2005 breaks down First Federal Bank's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how First Federal Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by First Federal Bank, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at First Federal Bank's mortgage activity for 2005.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Tuscaloosa County Alabama | 785 | $ 104,995,000 | $ 133,000 | $ 80,000 |
| Mobile County Alabama | 272 | $ 28,804,000 | $ 105,000 | $ 63,000 |
| Madison County Alabama | 209 | $ 21,692,000 | $ 103,000 | $ 70,000 |
| Jefferson County Alabama | 166 | $ 22,798,000 | $ 137,000 | $ 98,000 |
| Shelby County Alabama | 140 | $ 19,421,000 | $ 138,000 | $ 72,000 |
| St. Clair County Alabama | 103 | $ 14,267,000 | $ 138,000 | $ 56,000 |
| Escambia County Florida | 98 | $ 14,754,000 | $ 150,000 | $ 74,000 |
| Baldwin County Alabama | 94 | $ 17,639,000 | $ 187,000 | $ 105,000 |
| Etowah County Alabama | 66 | $ 6,330,000 | $ 95,000 | $ 50,000 |
| Santa Rosa County Florida | 45 | $ 7,642,000 | $ 169,000 | $ 72,000 |
| Hale County Alabama | 41 | $ 3,546,000 | $ 86,000 | $ 42,000 |
| Marengo County Alabama | 26 | $ 2,301,000 | $ 88,000 | $ 41,000 |
| Bibb County Alabama | 22 | $ 2,174,000 | $ 98,000 | $ 52,000 |
| Limestone County Alabama | 17 | $ 1,475,000 | $ 86,000 | $ 72,000 |
| Clarke County Alabama | 16 | $ 1,179,000 | $ 73,000 | $ 92,000 |
| Covington County Alabama | 16 | $ 1,910,000 | $ 119,000 | $ 56,000 |
| Blount County Alabama | 14 | $ 1,660,000 | $ 118,000 | $ 49,000 |
| Chilton County Alabama | 14 | $ 1,304,000 | $ 93,000 | $ 48,000 |
| Davidson County Tennessee | 13 | $ 1,509,000 | $ 116,000 | $ 44,000 |
| Morgan County Alabama | 12 | $ 1,214,000 | $ 101,000 | $ 69,000 |
| Talladega County Alabama | 10 | $ 1,500,000 | $ 150,000 | $ 59,000 |
| Sumter County Alabama | 9 | $ 771,000 | $ 85,000 | $ 37,000 |
| Calhoun County Alabama | 8 | $ 917,000 | $ 114,000 | $ 47,000 |
| Rutherford County Tennessee | 6 | $ 890,000 | $ 148,000 | $ 43,000 |
| Choctaw County Alabama | 5 | $ 343,000 | $ 68,000 | $ 38,000 |
| Lamar County Alabama | 4 | $ 291,000 | $ 72,000 | $ 50,000 |
| Marshall County Alabama | 4 | $ 641,000 | $ 160,000 | $ 58,000 |
| Walker County Alabama | 4 | $ 358,000 | $ 89,000 | $ 60,000 |
| Washington County Alabama | 4 | $ 473,000 | $ 118,000 | $ 70,000 |
| Wilson County Tennessee | 4 | $ 382,000 | $ 95,000 | $ 62,000 |
| Cherokee County Alabama | 3 | $ 185,000 | $ 61,000 | $ 42,000 |
| Greene County Alabama | 3 | $ 293,000 | $ 97,000 | $ 68,000 |
| Lee County Alabama | 3 | $ 520,000 | $ 173,000 | $ 171,000 |
| Montgomery County Alabama | 3 | $ 375,000 | $ 125,000 | $ 114,000 |
| Winston County Alabama | 3 | $ 852,000 | $ 284,000 | $ 118,000 |
| Bay County Florida | 3 | $ 366,000 | $ 122,000 | $ 96,000 |
| Nassau County Florida | 3 | $ 405,000 | $ 135,000 | $ 64,000 |
| Sumner County Tennessee | 3 | $ 238,000 | $ 79,000 | $ 56,000 |
| DeKalb County Alabama | 2 | $ 162,000 | $ 81,000 | $ 70,000 |
| Fayette County Alabama | 2 | $ 153,000 | $ 76,000 | $ 28,000 |
| Houston County Alabama | 2 | $ 116,000 | $ 58,000 | $ 129,000 |
| Jackson County Alabama | 2 | $ 156,000 | $ 78,000 | $ 68,000 |
| Marion County Alabama | 2 | $ 168,000 | $ 84,000 | $ 35,000 |
| Pickens County Alabama | 2 | $ 134,000 | $ 67,000 | $ 32,000 |
| Tallapoosa County Alabama | 2 | $ 245,000 | $ 122,000 | $ 46,000 |
| Walton County Florida | 2 | $ 1,044,000 | $ 522,000 | $ 190,000 |
| Henry County Georgia | 2 | $ 145,000 | $ 72,000 | $ 160,000 |
| Harrison County Mississippi | 2 | $ 40,000 | $ 20,000 | $ 30,000 |
| Lexington County South Carolina | 2 | $ 106,000 | $ 53,000 | $ 10,000 |
| Giles County Tennessee | 2 | $ 110,000 | $ 55,000 | $ 48,000 |
| Maury County Tennessee | 2 | $ 264,000 | $ 132,000 | $ 26,000 |
| Crenshaw County Alabama | 1 | $ 163,000 | $ 163,000 | $ 122,000 |
| Elmore County Alabama | 1 | $ 150,000 | $ 150,000 | $ 144,000 |
| Escambia County Alabama | 1 | $ 144,000 | $ 144,000 | $ 108,000 |
| Lauderdale County Alabama | 1 | $ 70,000 | $ 70,000 | $ 30,000 |
| Pima County Arizona | 1 | $ 176,000 | $ 176,000 | $ 55,000 |
| Hillsborough County Florida | 1 | $ 320,000 | $ 320,000 | $ 175,000 |
| Leon County Florida | 1 | $ 120,000 | $ 120,000 | $ 36,000 |
| Okaloosa County Florida | 1 | $ 106,000 | $ 106,000 | $ 36,000 |
| Pinellas County Florida | 1 | $ 180,000 | $ 180,000 | $ 61,000 |
| Cobb County Georgia | 1 | $ 509,000 | $ 509,000 | $ 147,000 |
| Columbia County Georgia | 1 | $ 149,000 | $ 149,000 | $ 72,000 |
| DeKalb County Georgia | 1 | $ 231,000 | $ 231,000 | $ 60,000 |
| Polk County Georgia | 1 | $ 84,000 | $ 84,000 | $ 30,000 |
| St. Tammany County Louisiana | 1 | $ 228,000 | $ 228,000 | $ 95,000 |
| Bristol County Massachusetts | 1 | $ 148,000 | $ 148,000 | $ 131,000 |
| Lawrence County Tennessee | 1 | $ 40,000 | $ 40,000 | $ 36,000 |
| Lincoln County Tennessee | 1 | $ 110,000 | $ 110,000 | $ 87,000 |
| Loudon County Tennessee | 1 | $ 128,000 | $ 128,000 | $ 60,000 |
| Polk County Tennessee | 1 | $ 212,000 | $ 212,000 | $ 192,000 |
| Sevier County Tennessee | 1 | $ 200,000 | $ 200,000 | $ 312,000 |
Mortgage Loan Application Detail Totals for First Federal Bank in 2005
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 1,903 | $237,544,000 | $134,333 | $1,058,000 | $70,222 | $743,000 |
| Refinancing | 389 | $54,025,000 | $149,750 | $900,000 | $66,250 | $741,000 |
| Home Improvement | 5 | $1,156,000 | $256,000 | $360,000 | $130,000 | $180,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 2,007 | $258,369,000 | $151,625 | $1,058,000 | $77,375 | $743,000 |
| Black or African American | 182 | $20,274,000 | $127,400 | $360,000 | $63,600 | $180,000 |
| Not Provided | 49 | $6,877,000 | $128,000 | $537,000 | $65,666 | $741,000 |
| Hispanic | 28 | $2,903,000 | $106,666 | $224,000 | $66,333 | $655,000 |
| Asian | 26 | $3,623,000 | $137,333 | $432,000 | $65,333 | $324,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $410,000 | $136,000 | $148,000 | $84,000 | $134,000 |
| American Indian or Alaskan Native | 2 | $269,000 | $134,000 | $138,000 | $65,000 | $83,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 1,885 | $242,840,000 | $128,500 | $1,058,000 | $73,875 | $743,000 |
| FHA-insured (Federal Housing Administration) | 349 | $39,954,000 | $126,000 | $196,000 | $44,333 | $280,000 |
| VA-guaranteed (Veterans Administration) | 62 | $9,865,000 | $169,000 | $360,000 | $54,333 | $120,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $66,000 | $66,000 | $66,000 | $38,000 | $38,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 2,144 | $274,399,000 | $134,555 | $1,058,000 | $70,333 | $743,000 |
| Application Withdrawn By Applicant | 111 | $13,214,000 | $104,000 | $400,000 | $54,666 | $252,000 |
| Application Denied By Financial Institution | 40 | $5,039,000 | $133,500 | $650,000 | $52,000 | $591,000 |
| File Closed For Incompleteness | 2 | $73,000 | $36,000 | $48,000 | $46,000 | $78,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Credit History | 13 | $1,538,000 | $118,000 | $258,000 | $44,000 | $68,000 |
| Debt-To-Income Ratio | 7 | $892,000 | $124,500 | $212,000 | $38,000 | $56,000 |
| Collateral | 7 | $1,660,000 | $237,000 | $650,000 | $156,000 | $591,000 |
| Employment History | 5 | $324,000 | $64,000 | $104,000 | $33,000 | $75,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $463,000 | $92,000 | $148,000 | $37,000 | $56,000 |
| Unverifiable Information | 2 | $57,000 | $28,000 | $38,000 | $66,000 | $72,000 |
| Other | 1 | $105,000 | $105,000 | $105,000 | $56,000 | $56,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Federal Bank's 2005 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess First Federal Bank's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Alabama, download the full spreadsheet
with aggregated HMDA statistics today.