Applications / Mortgage Analytics / Lenders / Alabama / Central State Bank
Calera, AL · State member bank · FRS · $743 million assets · 138 loans in 2025
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138
loans originated, 2025
158
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Central State Bank recovered sharply in 2025, with originations up 72%, and lent to low- and moderate-income borrowers more often than about four in five similar lenders.
Similar lenders (state member banks making between half and twice as many loans) grew 8% and the whole market 10%; Central State Bank went from 80 loans to 138, faster than nearly all of them. Its dollar lending about doubled to $41.0 million. The jump returns it close to the 146 of five years before, after a low in 2024.
34.8% of its loans went to LMI (low- and moderate-income) borrowers, up from 22.2% and above the 27.3% for similar lenders. Yet its share in LMI areas fell to 15.3% from 19.0%, and in majority-minority areas to 5.8% from 11.2%, both now near the middle. Growth outside Birmingham, in places with fewer such areas, is one possible reason for the shift.
It has lent in Birmingham since before 1990 and holds 0.3% there, ranked 70 of 523, with Regions Bank among the leaders. In Tuscaloosa its share rose to 0.3% from 0.0%, placing it 51 of 306.
14.5% of its loans were for manufactured homes, against 2.3% for similar lenders, higher than about nineteen in twenty of them. It also made more jumbo loans (larger than the conforming limit) than most, 5.7% against 1.5%, so its book spans small and large loans.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Central State Bank took 158 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 58.7% · Refinance 34.1% · Other 5.1% · Home improvement 2.2%
Conventional 100.0% · of 138 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Alabama | 137 | 99.3% |
| Florida | 1 | 0.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Birmingham | 97 |
| Tuscaloosa | 15 |
| Daphne-Fairhope-Foley | 4 |
| Auburn-Opelika | 3 |
| Montgomery | 2 |
| Anniston-Oxford | 1 |
| Huntsville | 1 |
| Lakeland-Winter Haven | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300H0IFPIJWI3KL08 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 353238 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 2353238 | 1990–2017 |
Established 5 February 1916. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Central State Bank's data.
Central State Bank's data
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Central State Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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