i had 31 loads of dirt hauled in to put on a bank between the house and pond. rained got it twice before the grass had time to come up so the pond has been muddy for a month now. i had just fertilized the pond and had a good bloom started. i also applied triple 13 and 25-4-8 to these newly grassed areas. i have a bunch of fa all of a sudden. last year was its first year after being filled and didnt have much fa. i figured the stained water would have kept the fa at bay.
reckon its all the lawn fertilizers causing the fa?

Yep!

Sunlight can penetrate further than a secchi disk reading, so FA can grow in pretty turbid water.

+1 - once you get some rooted vegetation growing it will utilize nutrients the FA is consuming right now unchallenged. All my ponds in their first year or two had the same characteristics - heavy FA blooms before the macrophytes became established. You can always net or rake the FA now and get it out of the pond to help break the cycle if it's getting heavy.