Applications / Mortgage Analytics / Lenders / Alabama / First National Bank of Hartford
Hartford, AL · National bank · OCC · $169 million assets · 114 loans in 2025
First National Bank of Hartford's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
114
loans originated, 2025
123
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First National Bank of Hartford is a manufactured-home lender in Alabama, and its 114 loans in 2025 were 11% more than a year before.
Manufactured homes made up 31.6% of its loans, against 1.6% at similar lenders (national banks making between half and twice as many loans), the highest share in the group. That fits its small loans: a typical $65,000, against $185,000 at peers, among the lowest. Every loan was conventional, and refinances (48.2%) outnumbered purchases (35.1%).
Low- and moderate-income (LMI) borrowers took 44.9% of its loans, against 23.9% at similar lenders, higher than more than nine in ten of them. The share was 51.1% in 2020. Manufactured homes cost less than most, and may draw many of these borrowers.
In Dothan, its largest market, it ranked 25 of 222 lenders with 1.2% of the market, up from 1.1%. Mortgage Research Center led there. It has lent in Dothan, non-metro Alabama and non-metro Florida since its first HMDA report in 2004.
Its loans rose 11% in 2025, against 5% at similar lenders and 10% across the market. Its yearly count has ranged from 90 to 151 since 2018.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 of Hartford took 123 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 48.2% · Purchase 35.1% · Home improvement 10.5% · Other 6.1%
Conventional 100.0% · of 114 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 | 89.5% |
| Florida | 12 | 10.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Dothan | 88 |
| Panama City-Panama City Beach | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900FN90BBXGBCPB30 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 112332 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 17592 | 2004–2017 |
Established 1 January 1905. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: First National Bank of Hartford's data.
First National Bank of Hartford's data
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First National Bank of Hartford 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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