AMERICA'S FIRST
AMERICA'S FIRST received 2,166 applications in 2025 and made 1,508 mortgages, in 40 counties across 1 state. The median rate its borrowers got was 5.750% on a median loan of $65,000. Of 1,860 decisions, 341 were denials — 18.3%, most often for other. 2 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300ERL4SV8MDO3P56 |
|---|---|
| Applications received | 2,166 |
| Mortgages made | 1,508 |
| Denied | 341 |
| Approved, not taken up | 11 |
| Withdrawn or incomplete | 306 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -0.25 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 140 | 6.250% | $200,000 | 8.3% |
| Refinancing | 75 | 5.750% | $105,000 | 18.5% |
| Cash-out refinancing | 88 | 5.750% | $105,000 | 16.0% |
| Other purposes | 1,205 | 5.750% | $65,000 | 19.5% |
Where AMERICA'S FIRST lends most
The 40 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Jefferson County, AL | 738 | 5.750% | 19.4% |
| Shelby County, AL | 251 | 5.750% | 14.2% |
| St. Clair County, AL | 108 | 5.750% | 20.4% |
| Cullman County, AL | 82 | 5.750% | 10.8% |
| Mobile County, AL | 56 | 5.750% | 8.2% |
| Talladega County, AL | 54 | 5.750% | 26.0% |
| Blount County, AL | 52 | 5.750% | 11.9% |
| Calhoun County, AL | 39 | 5.750% | 29.1% |
| Tuscaloosa County, AL | 29 | 5.750% | 21.6% |
| Walker County, AL | 16 | 6.188% | 20.0% |
| Baldwin County, AL | 15 | 5.750% | 6.3% |
| Bibb County, AL | 14 | 5.750% | 21.1% |
| Chilton County, AL | 12 | 7.000% | 25.0% |
| Etowah County, AL | 5 | Under 10 loans | 16.7% |
| Madison County, AL | 5 | Under 10 loans | 0.0% |
| Clay County, AL | 4 | Under 10 loans | 0.0% |
| Morgan County, AL | 3 | Under 10 loans | 0.0% |
| Cherokee County, AL | 2 | Under 10 loans | 0.0% |
| Colbert County, AL | 2 | Under 10 loans | 0.0% |
| Lee County, AL | 2 | Under 10 loans | 0.0% |
| Marshall County, AL | 2 | Under 10 loans | 33.3% |
| Pickens County, AL | 2 | Under 10 loans | 0.0% |
| Randolph County, AL | 2 | Under 10 loans | 0.0% |
| Tallapoosa County, AL | 2 | Under 10 loans | 0.0% |
| Autauga County, AL | 1 | Under 10 loans | 0.0% |
| Clarke County, AL | 1 | Under 10 loans | 0.0% |
| Cleburne County, AL | 1 | Under 10 loans | 75.0% |
| Coffee County, AL | 1 | Under 10 loans | 50.0% |
| Covington County, AL | 1 | Under 10 loans | 0.0% |
| Fayette County, AL | 1 | Under 10 loans | 50.0% |
| Greene County, AL | 1 | Under 10 loans | 0.0% |
| Lawrence County, AL | 1 | Under 10 loans | 0.0% |
| Russell County, AL | 1 | Under 10 loans | 0.0% |
| Washington County, AL | 1 | Under 10 loans | 0.0% |
| Winston County, AL | 1 | Under 10 loans | 50.0% |
| Chambers County, AL | 0 | Under 10 loans | 100.0% |
| Coosa County, AL | 0 | Under 10 loans | 100.0% |
| DeKalb County, AL | 0 | Under 10 loans | Not published |
| Limestone County, AL | 0 | Under 10 loans | 100.0% |
| Sumter County, AL | 0 | Under 10 loans | 100.0% |
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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.