First Federal Bank, A Fsb
HMDA Loan Application Totals
and Mortgage Lending Details
for 2021
First Federal Bank, A Fsb 2021 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, A Fsb 1300 Mcfarland Blvd Ne Tuscaloosa, AL 35406 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 4,149 |
| Total Mortgage Loan Application Amount | $910,955,000 |
| Average Mortgage Loan Application Amount | $201,200 |
| Highest Mortgage Loan Application Amount | $1,315,000 |
| Average Applicant Income | $86,800 |
| Highest Applicant Income | $1,843,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2021 with First Federal Bank, A Fsb. 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, A Fsb's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2021 breaks down First Federal Bank, A Fsb'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, A Fsb serves its applicants.
Each category highlights the total number of mortgage applications processed by First Federal Bank, A Fsb, 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, A Fsb's mortgage activity for 2021.
| 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 | 1,509 | $ 341,955,000 | $ 226,000 | $ 107,000 |
| Jefferson County Alabama | 403 | $ 103,565,000 | $ 256,000 | $ 108,000 |
| Mobile County Alabama | 298 | $ 57,690,000 | $ 193,000 | $ 88,000 |
| Etowah County Alabama | 277 | $ 49,675,000 | $ 179,000 | $ 80,000 |
| Cullman County Alabama | 203 | $ 34,105,000 | $ 168,000 | $ 62,000 |
| Baldwin County Alabama | 191 | $ 52,905,000 | $ 276,000 | $ 110,000 |
| Madison County Alabama | 190 | $ 42,840,000 | $ 225,000 | $ 96,000 |
| Shelby County Alabama | 162 | $ 42,160,000 | $ 260,000 | $ 92,000 |
| Lauderdale County Alabama | 143 | $ 25,905,000 | $ 181,000 | $ 83,000 |
| St. Clair County Alabama | 110 | $ 25,710,000 | $ 233,000 | $ 81,000 |
| Colbert County Alabama | 109 | $ 18,445,000 | $ 169,000 | $ 72,000 |
| Marshall County Alabama | 43 | $ 8,195,000 | $ 190,000 | $ 110,000 |
| Limestone County Alabama | 41 | $ 9,985,000 | $ 243,000 | $ 93,000 |
| Hale County Alabama | 32 | $ 6,700,000 | $ 209,000 | $ 66,000 |
| Blount County Alabama | 28 | $ 4,610,000 | $ 164,000 | $ 56,000 |
| Bibb County Alabama | 26 | $ 4,340,000 | $ 166,000 | $ 63,000 |
| Morgan County Alabama | 26 | $ 4,810,000 | $ 185,000 | $ 65,000 |
| Fayette County Alabama | 22 | $ 2,820,000 | $ 128,000 | $ 73,000 |
| Calhoun County Alabama | 19 | $ 4,235,000 | $ 222,000 | $ 76,000 |
| Marengo County Alabama | 18 | $ 3,050,000 | $ 169,000 | $ 86,000 |
| Pickens County Alabama | 18 | $ 2,540,000 | $ 141,000 | $ 53,000 |
| DeKalb County Alabama | 15 | $ 2,805,000 | $ 187,000 | $ 93,000 |
| Walker County Alabama | 14 | $ 2,450,000 | $ 175,000 | $ 81,000 |
| Winston County Alabama | 13 | $ 3,355,000 | $ 258,000 | $ 88,000 |
| Montgomery County Alabama | 12 | $ 2,030,000 | $ 169,000 | $ 73,000 |
| Cherokee County Alabama | 11 | $ 2,415,000 | $ 219,000 | $ 110,000 |
| Talladega County Alabama | 10 | $ 1,850,000 | $ 185,000 | $ 50,000 |
| Lawrence County Alabama | 9 | $ 1,565,000 | $ 173,000 | $ 64,000 |
| Sumter County Alabama | 8 | $ 1,050,000 | $ 131,000 | $ 71,000 |
| Escambia County Florida | 6 | $ 1,030,000 | $ 171,000 | $ 71,000 |
| Walton County Florida | 6 | $ 2,460,000 | $ 410,000 | $ 261,000 |
| Conecuh County Alabama | 5 | $ 575,000 | $ 115,000 | $ 78,000 |
| Greene County Alabama | 5 | $ 725,000 | $ 145,000 | $ 82,000 |
| Jackson County Alabama | 5 | $ 585,000 | $ 117,000 | $ 58,000 |
| Okaloosa County Florida | 5 | $ 1,845,000 | $ 369,000 | $ 220,000 |
| East Baton Rouge County Louisiana | 5 | $ 1,305,000 | $ 261,000 | $ 156,000 |
| Lincoln County Tennessee | 5 | $ 1,185,000 | $ 237,000 | $ 72,000 |
| Autauga County Alabama | 4 | $ 670,000 | $ 167,000 | $ 94,000 |
| Elmore County Alabama | 4 | $ 720,000 | $ 180,000 | $ 68,000 |
| Franklin County Alabama | 4 | $ 770,000 | $ 192,000 | $ 56,000 |
| Lee County Alabama | 4 | $ 800,000 | $ 200,000 | $ 72,000 |
| Marion County Alabama | 4 | $ 620,000 | $ 155,000 | $ 129,000 |
| Bay County Florida | 4 | $ 800,000 | $ 200,000 | $ 132,000 |
| Coweta County Georgia | 4 | $ 740,000 | $ 185,000 | $ 105,000 |
| Lawrence County Tennessee | 4 | $ 780,000 | $ 195,000 | $ 59,000 |
| Sumner County Tennessee | 4 | $ 1,320,000 | $ 330,000 | $ 89,000 |
| Chilton County Alabama | 3 | $ 555,000 | $ 185,000 | $ 75,000 |
| Cobb County Georgia | 3 | $ 745,000 | $ 248,000 | $ 114,000 |
| Fulton County Georgia | 3 | $ 1,125,000 | $ 375,000 | $ 127,000 |
| Gwinnett County Georgia | 3 | $ 775,000 | $ 258,000 | $ 66,000 |
| Sedgwick County Kansas | 3 | $ 685,000 | $ 228,000 | $ 108,000 |
| Jackson County Mississippi | 3 | $ 515,000 | $ 171,000 | $ 47,000 |
| Lowndes County Mississippi | 3 | $ 485,000 | $ 161,000 | $ 56,000 |
| Davidson County Tennessee | 3 | $ 845,000 | $ 281,000 | $ 96,000 |
| Williamson County Tennessee | 3 | $ 1,395,000 | $ 465,000 | $ 140,000 |
| Butler County Alabama | 2 | $ 320,000 | $ 160,000 | $ 235,000 |
| Lamar County Alabama | 2 | $ 370,000 | $ 185,000 | $ 48,000 |
| Perry County Alabama | 2 | $ 160,000 | $ 80,000 | $ 37,000 |
| Wilcox County Alabama | 2 | $ 260,000 | $ 130,000 | $ 44,000 |
| Mohave County Arizona | 2 | $ 710,000 | $ 355,000 | $ 67,000 |
| St. Lucie County Florida | 2 | $ 620,000 | $ 310,000 | $ 202,000 |
| Paulding County Georgia | 2 | $ 600,000 | $ 300,000 | $ 77,000 |
| Monroe County Kentucky | 2 | $ 410,000 | $ 205,000 | $ 63,000 |
| Orleans County Louisiana | 2 | $ 600,000 | $ 300,000 | $ 181,000 |
| St. Tammany County Louisiana | 2 | $ 560,000 | $ 280,000 | $ 102,000 |
| Anne Arundel County Maryland | 2 | $ 1,090,000 | $ 545,000 | $ 271,000 |
| George County Mississippi | 2 | $ 360,000 | $ 180,000 | $ 111,000 |
| Mecklenburg County North Carolina | 2 | $ 890,000 | $ 445,000 | $ 125,000 |
| Wake County North Carolina | 2 | $ 830,000 | $ 415,000 | $ 101,000 |
| Llano County Texas | 2 | $ 800,000 | $ 400,000 | $ 152,000 |
| Clarke County Alabama | 1 | $ 85,000 | $ 85,000 | $ 119,000 |
| Coosa County Alabama | 1 | $ 175,000 | $ 175,000 | $ 58,000 |
| Dallas County Alabama | 1 | $ 125,000 | $ 125,000 | $ 35,000 |
| Houston County Alabama | 1 | $ 155,000 | $ 155,000 | $ 45,000 |
| Macon County Alabama | 1 | $ 145,000 | $ 145,000 | $ 52,000 |
| Pike County Alabama | 1 | $ 255,000 | $ 255,000 | $ 65,000 |
| Randolph County Alabama | 1 | $ 95,000 | $ 95,000 | $ 84,000 |
| Pima County Arizona | 1 | $ 285,000 | $ 285,000 | $ 70,000 |
| Benton County Arkansas | 1 | $ 145,000 | $ 145,000 | $ 53,000 |
| Kern County California | 1 | $ 245,000 | $ 245,000 | $ 70,000 |
| Collier County Florida | 1 | $ 405,000 | $ 405,000 | $ 187,000 |
| Duval County Florida | 1 | $ 535,000 | $ 535,000 | $ 250,000 |
| Hernando County Florida | 1 | $ 255,000 | $ 255,000 | $ 49,000 |
| Hillsborough County Florida | 1 | $ 555,000 | $ 555,000 | $ 142,000 |
| Lee County Florida | 1 | $ 205,000 | $ 205,000 | $ 182,000 |
| Manatee County Florida | 1 | $ 355,000 | $ 355,000 | $ 525,000 |
| Polk County Florida | 1 | $ 195,000 | $ 195,000 | $ 55,000 |
| Volusia County Florida | 1 | $ 305,000 | $ 305,000 | $ 126,000 |
| Bibb County Georgia | 1 | $ 255,000 | $ 255,000 | $ 136,000 |
| Carroll County Georgia | 1 | $ 185,000 | $ 185,000 | $ 171,000 |
| Cherokee County Georgia | 1 | $ 295,000 | $ 295,000 | $ 43,000 |
| Columbia County Georgia | 1 | $ 285,000 | $ 285,000 | $ 128,000 |
| Dawson County Georgia | 1 | $ 255,000 | $ 255,000 | $ 170,000 |
| Fannin County Georgia | 1 | $ 545,000 | $ 545,000 | $ 176,000 |
| Floyd County Georgia | 1 | $ 275,000 | $ 275,000 | $ 66,000 |
| Oconee County Georgia | 1 | $ 435,000 | $ 435,000 | $ 116,000 |
| Walton County Georgia | 1 | $ 275,000 | $ 275,000 | $ 171,000 |
| St. Clair County Illinois | 1 | $ 245,000 | $ 245,000 | $ 129,000 |
| Lawrence County Indiana | 1 | $ 305,000 | $ 305,000 | $ 155,000 |
| Boyle County Kentucky | 1 | $ 205,000 | $ 205,000 | $ 50,000 |
| Fayette County Kentucky | 1 | $ 415,000 | $ 415,000 | $ 184,000 |
| Kenton County Kentucky | 1 | $ 165,000 | $ 165,000 | $ 57,000 |
| Scott County Kentucky | 1 | $ 185,000 | $ 185,000 | $ 55,000 |
| Tangipahoa County Louisiana | 1 | $ 115,000 | $ 115,000 | $ 181,000 |
| Wayne County Michigan | 1 | $ 195,000 | $ 195,000 | $ 173,000 |
| Harrison County Mississippi | 1 | $ 215,000 | $ 215,000 | $ 110,000 |
| Lamar County Mississippi | 1 | $ 265,000 | $ 265,000 | $ 82,000 |
| Madison County Mississippi | 1 | $ 545,000 | $ 545,000 | $ 81,000 |
| Marion County Mississippi | 1 | $ 245,000 | $ 245,000 | $ 98,000 |
| Oktibbeha County Mississippi | 1 | $ 115,000 | $ 115,000 | $ 25,000 |
| Rankin County Mississippi | 1 | $ 195,000 | $ 195,000 | $ 59,000 |
| Burlington County New Jersey | 1 | $ 355,000 | $ 355,000 | $ 92,000 |
| Durham County North Carolina | 1 | $ 405,000 | $ 405,000 | $ 85,000 |
| Clermont County Ohio | 1 | $ 215,000 | $ 215,000 | $ 272,000 |
| Pickens County South Carolina | 1 | $ 205,000 | $ 205,000 | $ 36,000 |
| Franklin County Tennessee | 1 | $ 245,000 | $ 245,000 | $ 139,000 |
| Giles County Tennessee | 1 | $ 405,000 | $ 405,000 | $ 93,000 |
| Maury County Tennessee | 1 | $ 245,000 | $ 245,000 | $ 51,000 |
| Parker County Texas | 1 | $ 315,000 | $ 315,000 | $ 78,000 |
| Rusk County Texas | 1 | $ 525,000 | $ 525,000 | $ 180,000 |
| Tarrant County Texas | 1 | $ 305,000 | $ 305,000 | $ 66,000 |
| Travis County Texas | 1 | $ 235,000 | $ 235,000 | $ 55,000 |
| Berkeley County West Virginia | 1 | $ 225,000 | $ 225,000 | $ 85,000 |
| Lincoln County West Virginia | 1 | $ 145,000 | $ 145,000 | $ 143,000 |
Mortgage Loan Application Detail Totals for First Federal Bank, A Fsb in 2021
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 | 2,968 | $653,390,000 | $220,000 | $1,315,000 | $93,000 | $1,843,000 |
| Refinancing | 700 | $156,140,000 | $223,000 | $945,000 | $103,000 | $844,000 |
| Cash-out Refinancing | 456 | $98,140,000 | $215,000 | $1,005,000 | $100,000 | $582,000 |
| Other Purpose | 18 | $1,380,000 | $76,000 | $255,000 | $138,000 | $387,000 |
| Not Applicable | 7 | $1,905,000 | $272,000 | $365,000 | $0 | $0 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 3,165 | $696,535,000 | $220,000 | $1,315,000 | $97,000 | $1,843,000 |
| Black or African American | 531 | $104,265,000 | $196,000 | $545,000 | $76,000 | $575,000 |
| Not Provided | 259 | $65,885,000 | $254,000 | $1,035,000 | $115,000 | $1,017,000 |
| Asian | 74 | $17,850,000 | $241,000 | $715,000 | $111,000 | $384,000 |
| Hispanic | 66 | $13,580,000 | $205,000 | $555,000 | $86,000 | $400,000 |
| American Indian or Alaskan Native | 18 | $4,510,000 | $250,000 | $525,000 | $92,000 | $203,000 |
| Not applicable | 10 | $2,410,000 | $241,000 | $365,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 2 | $350,000 | $175,000 | $225,000 | $103,000 | $165,000 |
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) | 2,845 | $642,845,000 | $225,000 | $1,035,000 | $111,000 | $1,843,000 |
| FHA-insured (Federal Housing Administration) | 815 | $160,725,000 | $197,000 | $365,000 | $62,000 | $504,000 |
| VA-guaranteed (Veterans Administration) | 247 | $67,675,000 | $273,000 | $1,315,000 | $82,000 | $448,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 242 | $39,710,000 | $164,000 | $305,000 | $49,000 | $104,000 |
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 | 3,050 | $679,130,000 | $222,000 | $1,315,000 | $97,000 | $1,843,000 |
| Application Withdrawn By Applicant | 864 | $183,960,000 | $212,000 | $1,035,000 | $98,000 | $1,046,000 |
| Application Denied By Financial Institution | 154 | $29,270,000 | $190,000 | $865,000 | $72,000 | $595,000 |
| Application Approved But Not Accepted | 48 | $10,080,000 | $210,000 | $495,000 | $85,000 | $267,000 |
| File Closed For Incompleteness | 23 | $6,105,000 | $265,000 | $545,000 | $115,000 | $261,000 |
| Loan Purchased By The Institution | 10 | $2,410,000 | $241,000 | $365,000 | $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 |
|---|---|---|---|---|---|---|
| Not applicable | 3,995 | $881,685,000 | $220,000 | $1,315,000 | $97,000 | $1,843,000 |
| Debt-To-Income Ratio | 60 | $12,870,000 | $214,000 | $545,000 | $76,000 | $595,000 |
| Credit History | 52 | $8,980,000 | $172,000 | $395,000 | $65,000 | $212,000 |
| Other | 13 | $2,185,000 | $168,000 | $335,000 | $106,000 | $588,000 |
| Employment History | 11 | $1,765,000 | $160,000 | $315,000 | $60,000 | $126,000 |
| Unverifiable Information | 8 | $1,840,000 | $230,000 | $865,000 | $59,000 | $186,000 |
| Collateral | 6 | $790,000 | $131,000 | $245,000 | $68,000 | $158,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $655,000 | $218,000 | $305,000 | $58,000 | $89,000 |
| Mortgage Insurance Denied | 1 | $185,000 | $185,000 | $185,000 | $23,000 | $23,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Federal Bank, A Fsb's 2021 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, A Fsb'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.