Climbing at home
In Florence-Muscle Shoals, where it has lent since at least 1990, it ranked 7 of 220 lenders, and its share rose from 2.2% to 3.1%. Bank Independent and Listerhill Credit Union led.
Applications / Mortgage Analytics / Lenders / Alabama / First Metro Bank
First Metro Bank
Muscle Shoals, AL · State non-member bank · FDIC · $1.0 billion assets · 179 loans in 2025
First Metro Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
179
loans originated, 2025
227
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First Metro Bank raised its share of Florence-Muscle Shoals to 3.1% in 2025 and ranks seventh there, as its loans rose 20%.
Faster than most peers
Its loans rose 20%, from 149 to 179, faster than at about seven in ten similar lenders (state non-member banks making between half and twice as many loans), which grew 10%. Its typical loan grew from $75,000 to $115,000, and its dollar total rose to $40.7 million from $22.5 million. The count is still below the 297 it made in 2022.
Smaller loans, some manufactured homes
Its typical loan is still lower than the $175,000 at similar lenders. Manufactured homes were 8.4% of its lending, against 2.8% at peers, more than at about three in four, which may explain part of the gap. All its loans were conventional; purchases were 47.5% and refinances 34.6%.
Typical lending to poorer borrowers
Borrowers on low and moderate incomes took 27.9% of its loans, against 27.6% at similar lenders, near the middle. Poorer neighborhoods (low- and moderate-income, or LMI, tracts) took 21.0%, against 17.6%, more than at about six in ten.
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
179 loans in 2025, against a peak of 297 in 2022.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. First Metro Bank took 227 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
47.5% of its 2025 loans were purchase loans; all were conventional loans.
Purchase 47.5% · Refinance 34.6% · Home improvement 8.9% · Other 8.9%
Conventional 100.0% · of 179 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
4 states, 6 metros, 18 counties
| State | Loans | Share |
|---|---|---|
| Alabama | 173 | 96.6% |
| Tennessee | 4 | 2.2% |
| Georgia | 1 | 0.6% |
| Mississippi | 1 | 0.6% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Florence-Muscle Shoals | 120 |
| Huntsville | 13 |
| Decatur | 10 |
| Daphne-Fairhope-Foley | 3 |
| Mobile | 1 |
| Tuscaloosa | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300W8Q4KZC8LMAV19 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 1222519 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 327381 | 1990–2017 |
Established 7 November 1988. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: First Metro Bank's data.
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