Applications / Mortgage Analytics / Lenders / Alabama / First Citizens Bank
Luverne, AL · State non-member bank · FDIC · $400 million assets · 103 loans in 2025
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103
loans originated, 2025
105
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First Citizens Bank, a rural Alabama bank, lends heavily on manufactured homes, and in 2025 its loans rose 32% after six straight years of decline.
Manufactured homes made up 34.0% of its loans, against 3.2% at similar lenders (state non-member banks making between half and twice as many loans), a higher share than at almost all of them. Such loans tend to be small, which may explain much of why its typical loan, $65,000, was smaller than at almost all peers; theirs was $175,000.
Its loans rose 32% in 2025, faster than the 9% at similar lenders and the 10% of the whole market. The rise followed a steady fall, from 130 in 2018 to 78 in 2024, and it still made fewer than the 122 of 2020.
Majority-minority neighborhoods took 26.5% of its loans, against 5.9% at peers, more than at about four in five of them, and up from 11.5% five years earlier. Low- and moderate-income (LMI) borrowers took 29.8%, near the middle of its peers.
Its biggest market is non-metro Alabama, where it ranked 93rd of 523 lenders and where its record goes back to 2004. In Montgomery it ranked 122nd of 331. Its lending reaches 12 counties in 2 states.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. First Citizens Bank took 105 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 49.5% · Refinance 27.2% · Home improvement 11.7% · Other 11.7%
Conventional 100.0% · of 103 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 | 100 | 97.1% |
| Florida | 2 | 1.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Montgomery | 12 |
| Auburn-Opelika | 1 |
| Crestview-Fort Walton Beach-Destin | 1 |
| Daphne-Fairhope-Foley | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300ZX7CMZ93QCZQ91 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 541231 | 2011–2023 |
| Respondent ID (the HMDA filer code before 2018) | 323152 | 2011–2017 |
Established 8 July 1980. Reported under HMDA 2011-2025.
Mergers, name changes, data editions and corrections: First Citizens Bank's data.
First Citizens Bank's data
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First Citizens Bank 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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