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First Federal Bank, A FSB
Bank|Tuscaloosa, AL|Multi-Region
Loans Originated
1,241
Applications
1,703
Volume
$334 million
Offers loans directly to consumersSources loans from independent brokers
Overall Pricing
Acceptable
Overall Pull Through
Exceptional
Safe Rate Awards⭐FHA Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.132%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$3,536
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
72.9%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and USDA loans
Things to Think About
- Pricing may be below industry average
Report Card
First Federal Bank, A FSB performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Acceptable | Near industry average | |
Pull Through Closing Strength | Exceptional | Market Leader | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
FHA | Exceptional | Market Leader | |
VA | Strong | Highly Competitive | |
USDA | Exceptional | Market Leader | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Exceptional | Market Leader | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Strong | Multi-Regional · 10 metro areas · 17 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$269,891
Average Borrower Income
$135,591
Average Property Value
$326,990
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Strong | Acceptable | Strong | 631 | 50.8% | +0.196% | $3,762 |
FHA Loans | Strong | Exceptional | Strong | Strong | 495 | 39.9% | +0.126% | $3,188 |
VA Loans | Sound | Strong | Acceptable | Strong | 70 | 5.6% | -0.410% | $3,990 |
USDA Loans | Strong | Exceptional | N/A | Strong | 42 | 3.4% | -0.087% | $2,933 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Exceptional | Acceptable | Strong | 1,166 | 94.0% | +0.136% | $3,535 |
Refinance | Sound | Strong | Acceptable | Strong | 75 | 6.0% | +0.081% | $3,552 |
Geographic Coverage
Metro Areas
9
States Served
17
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
ALCACODEFLGAIAKSLAMSNCNYOHSCTNTXVA
Top Metro Areas by Place Specialization Score
1
Tuscaloosa, AL, ALMSA
Volume: 568Mix: 45.77%
Place Specialization
Exceptional
2
Gadsden, AL, ALMSA
Volume: 57Mix: 4.59%
Place Specialization
Exceptional
3
Birmingham, AL, ALMSA
Volume: 187Mix: 15.07%
Place Specialization
Exceptional
4
Mobile, AL, ALMSA
Volume: 80Mix: 6.45%
Place Specialization
Strong
5
Florence, ALMSA
Volume: 46Mix: 3.71%
Place Specialization
Strong
6
Daphne, ALMSA
Volume: 54Mix: 4.35%
Place Specialization
Strong
7
Anniston, ALMSA
Volume: 22Mix: 1.77%
Place Specialization
Strong
8
Huntsville, AL, ALMSA
Volume: 30Mix: 2.42%
Place Specialization
Sound
9
Decatur, AL, ALMSA
Volume: 19Mix: 1.53%
Place Specialization
Sound
Top States by Place Specialization Score
1
ALState
Volume: 1,204Mix: 97.02%
Place Specialization
Exceptional
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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