Applications / Mortgage Analytics / Lenders / Alabama / First Federal Bank
Tuscaloosa, AL · Savings institution · OCC · $173 million assets · 1,328 loans in 2025
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1,328
loans originated, 2025
1,836
applications, 2025
12
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First Federal Bank is a home-purchase lender, with 94.1% of its loans for buying a home, that makes far more government-backed loans than similar savings institutions and ranks first in Tuscaloosa, AL.
FHA loans (insured by the Federal Housing Administration) were 35.5% of its loans, against 0.9% at similar lenders (savings institutions making between half and twice as many loans), the highest share in that group, and up from 16.2% five years before. VA loans (guaranteed by the Department of Veterans Affairs) added 6.4%.
It ranks 1 of 306 lenders in Tuscaloosa, AL, served since before 1990, with 11.5% of lending dollars against 15.6% a year earlier. Its dollar total nationwide was nearly flat, $333.7 million against $337.9 million, so the lower share may reflect other lenders growing in Tuscaloosa while its own lending held steady.
It made 1,328 loans, 2% fewer than the year before, while similar lenders grew 9%. Since 2023 its yearly count has stayed between 1,213 and 1,353, below the 3,385 of 2020.
Its typical rate, 6.25%, was lower than at more than nine in ten similar lenders, whose typical rate was 6.74%. Jumbo loans (larger than the conforming limit) were 0.2% of its loans, the lowest in its peer group.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. First Federal Bank took 1,836 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 94.1% · Refinance 5.6% · Other 0.4%
Conventional 54.9% · FHA 35.5% · VA 6.4% · USDA (RHS or FSA) 3.2% · of 1,328 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Alabama | 1,293 | 97.4% |
| Georgia | 11 | 0.8% |
| Tennessee | 6 | 0.5% |
| Mississippi | 5 | 0.4% |
| Florida | 3 | 0.2% |
| North Carolina | 3 | 0.2% |
| Texas | 2 | 0.2% |
| Illinois | 1 | 0.1% |
| Louisiana | 1 | 0.1% |
| Missouri | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Tuscaloosa | 547 |
| Birmingham | 178 |
| Mobile | 97 |
| Gadsden | 74 |
| Daphne-Fairhope-Foley | 71 |
| Florence-Muscle Shoals | 62 |
| Anniston-Oxford | 33 |
| Huntsville | 24 |
| Decatur | 13 |
| Atlanta-Sandy Springs-Roswell | 7 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300ROGHTFGYNKE773 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 814074 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 46432 | 1990–2010 |
| Respondent ID (the HMDA filer code before 2018) | 1706432 | 2011–2017 |
Established 20 November 1959. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: First Federal Bank's data.
First Federal Bank's data
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