Applications / Mortgage Analytics / Lenders / Alabama / First National Bank
Hamilton, AL · National bank · OCC · $370 million assets · 89 loans in 2025
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89
loans originated, 2025
96
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First National Bank is an Alabama lender of small sums, often on manufactured homes, and lends more to low- and moderate-income borrowers than most banks its size.
Its typical loan was $75,000. Similar lenders (national banks making between half and twice as many loans) typically lent $180,000, and nearly all of them lent more. Manufactured homes made up 29.2% of its loans, against 1.6% at its peers. Those homes may account for much of the gap in loan size.
Low- and moderate-income (LMI) borrowers took 42.4% of its loans, up from 27.8% five years earlier. That is more than at nearly nine in ten similar lenders, where the typical share was 22.8%. Small loans and manufactured homes may draw such borrowers. Its share of loans in LMI neighborhoods was lower, at 12.4%, below about two-thirds of peers. With 89 loans, a few either way move that figure.
It made 89 loans in 2025, about half its 179 of 2020, and fewer in each year between. The latest fall was 5%, while similar lenders grew 7% and the whole market 10%. The figures do not say why.
In non-metro Alabama, its largest market, it ranks 118 of 523 lenders. United Wholesale Mortgage and Rocket Mortgage lead there. It first reported under HMDA in 2006.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 National Bank took 96 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 43.8% · Refinance 40.4% · Other 15.7%
Conventional 100.0% · of 89 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 | 83 | 93.3% |
| Mississippi | 4 | 4.5% |
| Tennessee | 2 | 2.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Birmingham | 5 |
| Nashville-Davidson--Murfreesboro--Franklin | 2 |
| Tuscaloosa | 2 |
| Florence-Muscle Shoals | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300OWLJ3NG26J9N79 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 330239 | 2006–2023 |
| Respondent ID (the HMDA filer code before 2018) | 116579 | 2006–2017 |
Established 6 May 1976. Reported under HMDA 2006-2025.
Mergers, name changes, data editions and corrections: First National Bank's data.
First National Bank's data
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First National 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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