Friend Bank
Friend Bank received 76 applications in 2025 and made 68 mortgages, in 10 counties across 2 states. The median rate its borrowers got was 7.500% on a median loan of $125,000. Of 74 decisions, 5 were denials — 6.8%, most often for debt-to-income ratio.
| Legal Entity Identifier | 54930033V1OQ5VFHI630 |
|---|---|
| Applications received | 76 |
| Mortgages made | 68 |
| Denied | 5 |
| Approved, not taken up | 1 |
| Withdrawn or incomplete | 2 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.661 points |
| FDIC-insured bank | Yes: Friend Bank, 5 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 37 | 7.250% | $125,000 | 7.3% |
| Refinancing | 21 | 7.750% | $125,000 | 0.0% |
| Other purposes | 10 | 7.155% | $100,000 | 16.7% |
Where Friend Bank lends most
The 10 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Houston County, AL | 40 | 7.500% | 4.8% |
| Geneva County, AL | 19 | 6.940% | 9.5% |
| Dale County, AL | 2 | Under 10 loans | 33.3% |
| Lee County, AL | 2 | Under 10 loans | 0.0% |
| Henry County, AL | 1 | Under 10 loans | 0.0% |
| Jefferson County, AL | 1 | Under 10 loans | 0.0% |
| Bay County, FL | 1 | Under 10 loans | 0.0% |
| Escambia County, FL | 1 | Under 10 loans | 0.0% |
| Washington County, FL | 1 | Under 10 loans | 0.0% |
| Holmes County, FL | 0 | Under 10 loans | 0.0% |
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When Friend Bank’s figures are published for the next year, or restated.
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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.