Applications / Mortgage Analytics / Lenders / Alabama / BankSouth
Dothan, AL · State non-member bank · FDIC · $211 million assets · 54 loans in 2025
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54
loans originated, 2025
56
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
BankSouth, a small home-purchase lender in Dothan, makes bigger loans than most banks of its size, and in 2025 it won a larger slice of its home market.
Its typical loan was $295,000. Similar lenders, state non-member banks making between half and twice as many loans, typically lent $165,000, and BankSouth was higher than about eight in ten of them. Every loan was conventional and most were for home purchase. Its dollar total fell to $20.5 million even as its loan count rose to 54. A few unusually large loans in 2024 may account for the gap.
Its loans rose 17%, against 6% at similar lenders and 10% across the whole market. The bank filed no HMDA report for 2020 to 2022. Those years are gaps in the record, not years without lending.
BankSouth has lent in Dothan since at least 1990. Its share there rose from 1.2% to 1.6%, putting it 19 of 222 lenders; Mortgage Research Center and Rocket Mortgage lead. In Panama City-Panama City Beach its share fell from 1.2% to 0.1%. It makes few loans there, so a handful either way could explain the drop.
Only 11.4% of its loans went to low- and moderate-income (LMI) borrowers, against 27.0% at similar lenders, lower than about five in six of them. Its larger purchase loans may go mainly to higher-income buyers. With 54 loans, a few loans either way move this share.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. BankSouth took 56 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 75.9% · Refinance 24.1%
Conventional 100.0% · of 54 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 | 45 | 83.3% |
| Florida | 9 | 16.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Dothan | 34 |
| Panama City-Panama City Beach | 7 |
| Daphne-Fairhope-Foley | 3 |
| Auburn-Opelika | 2 |
| Birmingham | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493003F5IG7YZ4PQ253 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 194936 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 377 | 1990–2017 |
Established 1 January 1928. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: BankSouth's data.
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