Applications / Mortgage Analytics / Lenders / Alabama / AuburnBank
Auburn, AL · State member bank · FRS · $1.0 billion assets · 110 loans in 2025
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110
loans originated, 2025
144
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
AuburnBank has made fewer mortgages every year since 2020, but more of those it makes go to majority-minority neighborhoods than at similar banks.
Originations fell 10%, from 122 to 110, while similar lenders (state member banks making between half and twice as many loans) grew 8%. The bank made 475 loans in 2020. The fall may reflect weaker demand from its customers or a choice to make fewer mortgages; the data do not show which.
Of its loans, 27.3% were in census tracts where most residents belong to minority groups, against 5.4% at similar banks, and up from 16.4% the year before. Its share in low- and moderate-income (LMI) tracts, 22.0%, was also above the peer figure.
In Auburn-Opelika, AL, its largest market since 1999, it ranked 29 of 305 lenders, and its share fell from 1.4% to 0.9%. In Columbus, AL-GA it fell from 0.4% to 0.1%. Both falls came as its own volume shrank while the market grew.
Purchase loans were 47.3% of originations and refinances 39.1%. Every loan was conventional, and its typical loan, $145,000, was lower than the peer figure of $175,000.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. AuburnBank took 144 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 47.3% · Refinance 39.1% · Home improvement 7.3% · Other 6.4%
Conventional 100.0% · of 110 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 | 102 | 92.7% |
| Georgia | 7 | 6.4% |
| North Carolina | 1 | 0.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Auburn-Opelika | 78 |
| Columbus | 11 |
| Anniston-Oxford | 1 |
| Asheville | 1 |
| Birmingham | 1 |
| Montgomery | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | RO7SIV4IZNEGU4EXXS92 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 749635 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 2749635 | 1999–2017 |
Established 3 January 1907. Reported under HMDA 1999-2025.
Mergers, name changes, data editions and corrections: AuburnBank's data.
AuburnBank's data
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