Applications / Mortgage Analytics / Lenders / Alabama / First Bank of Alabama
Talladega, AL · State non-member bank · FDIC · $1.2 billion assets · 175 loans in 2025
First Bank of Alabama's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
175
loans originated, 2025
217
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First Bank of Alabama grew about twice as fast as similar banks in 2025 and won share in Anniston-Oxford, Gadsden and Birmingham.
It made 175 loans, up 21% from 145. Similar lenders (banks of the same type making between half and twice as many loans) grew 10%, as did the whole market. Its dollar total rose faster still, to $50.7 million from $28.1 million, because its loans got bigger. It first reported in 2020, and its 2021 merger with SouthFirst Bank may account for part of its growth since.
Its biggest gain came in Anniston-Oxford, where its share rose to 1.7% from 1.2%, putting it 16th of 203 lenders. Ameris Bank leads there. In Gadsden its share went to 0.9% from next to nothing a year earlier. Among its largest markets it lost ground only in Tuscaloosa, where its share halved to 0.3%. Its lending may simply have shifted toward the markets where it grew.
Its typical loan, $135,000, was smaller than those of about three in four similar lenders. Manufactured homes made up 7.4% of its loans, against 2.8% at the typical peer, and home improvement another 13.7%. Both kinds of loan are often small, which may account for some of the gap.
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, 2020–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. First Bank of Alabama took 217 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 42.9% · Refinance 34.3% · Home improvement 13.7% · Other 9.1%
Conventional 100.0% · of 175 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 | 168 | 96.0% |
| Georgia | 4 | 2.3% |
| Florida | 2 | 1.1% |
| Colorado | 1 | 0.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Birmingham | 28 |
| Anniston-Oxford | 20 |
| Tuscaloosa | 6 |
| Gadsden | 3 |
| Atlanta-Sandy Springs-Roswell | 2 |
| Orlando-Kissimmee-Sanford | 2 |
| Auburn-Opelika | 1 |
| Daphne-Fairhope-Foley | 1 |
| Marietta | 1 |
| Mobile | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300IXTSQB6QVVI060 | 2020–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 257233 | 2022–2023 |
Established 1 January 1848. Reported under HMDA 2020-2025.
Mergers, name changes, data editions and corrections: First Bank of Alabama's data.
First Bank of Alabama's data
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First Bank of Alabama 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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