Applications / Mortgage Analytics / Lenders / Alabama / AmeriFirst Bank
Montgomery, AL · State non-member bank · FDIC · $357 million assets · 74 loans in 2025
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74
loans originated, 2025
84
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
AmeriFirst Bank, a home-purchase lender in Montgomery, Alabama, makes far more of its loans in majority-minority neighborhoods than similar banks do.
Home purchases made up 64.9% of its 74 loans. It made as many loans as in 2024, while similar lenders (state non-member banks making between half and twice as many loans) grew 9%. It filed no report for 2020 to 2022, so those years are a gap in the record.
Some 43.2% of its loans were in majority-minority neighborhoods, against 6.5% at similar lenders, higher than about nine in ten of them. Its share in poorer neighborhoods (low- and moderate-income, or LMI, tracts) was 33.8%, against 18.5%.
Only 13.3% of its borrowers had low or moderate incomes, against 27.2% at similar lenders, among the lowest sixth. Its emphasis on home purchase may explain some of this, as may buyers in lower-income neighborhoods who earn more than the area's middle. Its jumbo share (loans larger than the conforming limit) was 5.6%, against 1.6% at peers.
In Montgomery, AL it ranked 41 of 331 lenders, with 0.5% of lending, unchanged from 2024; Guild Mortgage Company led. In Auburn-Opelika its share fell to 0.1% from 0.4%. At this size a few loans either way can move a share that much.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. 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. AmeriFirst Bank took 84 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 64.9% · Refinance 27.0% · Other 6.8% · Home improvement 1.4%
Conventional 100.0% · of 74 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 | 70 | 94.6% |
| Florida | 2 | 2.7% |
| Georgia | 2 | 2.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Montgomery | 45 |
| Auburn-Opelika | 9 |
| Daphne-Fairhope-Foley | 7 |
| Columbus | 2 |
| Anniston-Oxford | 1 |
| Panama City-Panama City Beach | 1 |
| Pensacola-Ferry Pass-Brent | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 2549002AOWUCD3BSTP80 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 139133 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 32838 | 2001–2017 |
Established 2 January 1916. Reported under HMDA 2001-2025.
Mergers, name changes, data editions and corrections: AmeriFirst Bank's data.
AmeriFirst Bank's data
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