Gaining in Montgomery
Its share of the Montgomery market, where its record goes back to 2002, rose 0.3 points to 1.0%. In Auburn-Opelika it ranked 79th of 305 lenders and also gained a little.
Applications / Mortgage Analytics / Lenders / Alabama / First Community Bank of Central Alabama
First Community Bank of Central Alabama
Wetumpka, AL · State non-member bank · FDIC · $676 million assets · 90 loans in 2025
First Community Bank of Central Alabama's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
90
loans originated, 2025
105
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First Community Bank of Central Alabama lends mainly to home buyers and is gaining ground in Montgomery, where it ranked 21st of 331 lenders in 2025.
A lender to buyers
Home purchases made up 63.3% of its loans, all of them conventional. Its typical loan, $175,000, matched that at similar lenders (state non-member banks making between half and twice as many loans). Manufactured homes were 7.8% of its loans, against 3.0% at peers, more than at about seven in ten of them.
Lumpy volumes
Its loans fell 5% in 2025, to 90, while similar lenders grew 9% and the whole market 10%. Its count swings widely from year to year: 131 in 2019, 64 in 2020, 125 in 2022 and 73 in 2023. One year's fall says little.
Borrowers of modest means
Low- and moderate-income (LMI) borrowers took 25.8% of its loans, near the middle of its peers, down from 34.9% five years earlier. Its typical loan has about doubled since then, from $85,000, which may mean more of its lending now goes to buyers with higher incomes.
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
90 loans in 2025, against a peak of 131 in 2019.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. First Community Bank of Central Alabama took 105 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
63.3% of its 2025 loans were purchase loans; all were conventional loans.
Purchase 63.3% · Refinance 31.1% · Home improvement 3.3% · Other 2.2%
Conventional 100.0% · of 90 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
2 states, 5 metros, 9 counties
| State | Loans | Share |
|---|---|---|
| Alabama | 88 | 97.8% |
| Florida | 2 | 2.2% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Montgomery | 72 |
| Auburn-Opelika | 6 |
| Birmingham | 1 |
| Crestview-Fort Walton Beach-Destin | 1 |
| Panama City-Panama City Beach | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300VIIXX6NYY12891 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3034257 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 23034257 | 2002–2002 |
| Respondent ID (the HMDA filer code before 2018) | 357124 | 2003–2017 |
Established 28 August 2001. Reported under HMDA 2002-2025.
Mergers, name changes, data editions and corrections: First Community Bank of Central Alabama's data.
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