Applications / Mortgage Analytics / Lenders / Alabama / Premier Bank of the South
Cullman, AL · State non-member bank · FDIC · $377 million assets · 143 loans in 2025
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143
loans originated, 2025
144
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Premier Bank of the South finances manufactured homes far more than its peers do, and its originations rose 16% in 2025.
Manufactured homes accounted for 20.3% of its loans, against 3.0% at similar lenders (state non-member banks making between half and twice as many loans). Its typical loan, $95,000, was lower than more than nine in ten of theirs. All its loans were conventional.
Refinances made up 63.6% of its 143 loans in 2025. Its originations rose 16%, against 9% for the typical similar lender and 10% for the whole market. It has made between 120 and 157 loans a year since 2018.
Borrowers with low or moderate incomes (LMI) took 42.1% of its loans, against 28.1% at similar lenders, higher than about nine in ten of them. Five years before, the share was 29.1%.
Its share of the Decatur, AL market rose to 0.4% from 0.2%, and it ranked 59 of 240 lenders; Rocket Mortgage led. Its largest market is non-metro Alabama, where it ranked 64 of 523. It has lent in both since 1996.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Premier Bank of the South took 144 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 63.6% · Purchase 28.0% · Other 5.6% · Home improvement 2.8%
Conventional 100.0% · of 143 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 | 140 | 97.9% |
| Florida | 3 | 2.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Decatur | 26 |
| Huntsville | 11 |
| Birmingham | 4 |
| Auburn-Opelika | 2 |
| Crestview-Fort Walton Beach-Destin | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300MNJT84X74B3052 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 1160509 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 21160509 | 1996–2006 |
| Respondent ID (the HMDA filer code before 2018) | 327118 | 2007–2017 |
Established 30 November 1987. Reported under HMDA 1996-2025.
Mergers, name changes, data editions and corrections: Premier Bank of the South's data.
Premier Bank of the South's data
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Premier Bank of the South 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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