PlainLender

First National Bank of Hartford

Hartford, AL

First National Bank of Hartford processed 111 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 103 loans with a 2.7% denial rate. Refinancing was the primary loan purpose. Based in Hartford, AL. The approval rate of 92.8% reflects originated loans as a share of all applications. Below you will find a breakdown by loan type, loan purpose, denial reasons, and demographic lending patterns as required by the Home Mortgage Disclosure Act.

Portfolio scale. First National Bank of Hartford processed 111 HMDA-reported mortgage applications in 2024, originating 103 loans and denying 3 for a denial rate of 2.7% (applicants themselves withdrew 1 files before a decision). The average loan amount was $76,622. The lender reports under LEI 254900FN90BBXGBCPB30 from Hartford, AL.

Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% — HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. First National Bank of Hartford's 92.8% origination rate tells you how often an application turned into funded money; the 2.7% denial rate is a separate read on underwriting strictness. Most activity concentrated in Conventional loans (111 applications).

How to read this page. These figures are aggregate HMDA disclosures — they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting — it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.

111
Applications
103
Originated
2.7%
Denial Rate
$76,622
Avg Loan Amount

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 111 103 3 $76,622

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2023 LAR — application-level mortgage data for First National Bank of Hartford (LEI: 254900FN90BBXGBCPB30) · 2023 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Refinancing 67 62 $77,090
Home Purchase 27 25 $87,222
Home Improvement 12 11 $54,167
Other 4 4 $72,500
Cash-out Refinancing 1 1 $45,000

Geographic Coverage — Lending by Race

Derived race categories as reported under HMDA. Source: CFPB.

Race Applications Approval Rate Denial Rate
White 102 92.2% 2.9%
Black or African American 4 100.0% 0.0%
Joint 2 100.0% 0.0%

Lending by Ethnicity

Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.

Ethnicity Applications Approval Rate Denial Rate
Not Hispanic or Latino 101 93.1% 2.0%
Hispanic or Latino 4 75.0% 25.0%
Joint 3 100.0% 0.0%

Nearby Lenders in AL

Other HMDA-reporting lenders in AL with similar activity. Compare any two side-by-side.

REGIONS BANK

BIRMINGHAM, AL

70,436 apps 29,337 originated 39.6% denied

CSL Financial LLC

Birmingham, AL

10,109 apps 1,011 originated 60.3% denied

REDSTONE FEDERAL CREDIT UNION

HUNTSVILLE, AL

5,601 apps 3,166 originated 21.9% denied

TJC MORTGAGE INC

BIRMINGHAM, AL

2,788 apps 1,704 originated 3.2% denied

ALL IN CREDIT UNION

DOTHAN, AL

2,355 apps 1,018 originated 32.0% denied
Compare First National Bank of Hartford vs REGIONS BANK →

Mortgage Lending Guides

Why Mortgages Get Denied
Common denial reasons and how to improve your chances
Comparing Mortgage Lenders
What to look for when choosing a mortgage lender
Getting the Best Mortgage Rate
Strategies for securing the lowest interest rate
Understanding HMDA Data
How to read and interpret mortgage disclosure data
Denial Rates by Demographics
Demographic patterns in mortgage approval and denial

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Frequently Asked Questions

How many mortgage applications did First National Bank of Hartford process?
First National Bank of Hartford processed 111 mortgage applications in the 2023 HMDA reporting year. Of these, 103 were originated (approved and funded), 1 were withdrawn by the applicant, and 3 were denied.
What is First National Bank of Hartford's mortgage approval rate?
First National Bank of Hartford has an approval (origination) rate of 92.8%, meaning 92.8% of all applications resulted in a funded mortgage. The denial rate is 2.7%.
What is the average loan amount at First National Bank of Hartford?
The average mortgage loan amount at First National Bank of Hartford is $76,622.
What types of mortgage loans does First National Bank of Hartford offer?
First National Bank of Hartford processes Conventional loans. The most common type is Conventional with 111 applications and an average loan amount of $76,622.
What loan purposes does First National Bank of Hartford serve?
First National Bank of Hartford serves the following loan purposes: Refinancing (67 applications), Home Purchase (27 applications), Home Improvement (12 applications), Other (4 applications), Cash-out Refinancing (1 applications). Refinancing is the most common purpose.
Where is First National Bank of Hartford located?
First National Bank of Hartford is headquartered in Hartford, AL. The lender is identified by LEI 254900FN90BBXGBCPB30 in HMDA data.
How does First National Bank of Hartford compare in lending across racial demographics?
First National Bank of Hartford reports demographic lending data under HMDA requirements. White applicants have an approval rate of 92.2% and denial rate of 2.9%; Black or African American applicants have an approval rate of 100.0% and denial rate of 0.0%; Joint applicants have an approval rate of 100.0% and denial rate of 0.0%. This data reflects derived race categories as reported by applicants.

Data Sources

Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.

Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.

Read our methodology — how this data is sourced, computed, and verified.