Applications / Mortgage Analytics / Lenders / Alabama / HNB First Bank
Headland, AL · State non-member bank · FDIC · $285 million assets · 81 loans in 2025
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81
loans originated, 2025
113
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
HNB First Bank, a small Alabama bank in Headland, lends heavily on manufactured homes, which made up 28.4% of its loans against 2.6% at similar banks.
Manufactured homes took a larger share of its lending than at about 96 in 100 similar lenders, state non-member banks making between half and twice as many loans. That may help explain its small loans. Its typical loan was $85,000, half the $170,000 of similar lenders and among the lowest twentieth of them. Every loan was conventional, with none backed by a government agency.
It made 81 loans, down 16% from 96 in 2024, while similar lenders grew by 9% and the whole market by 10%. The 2024 total was the highest in its recent record, so 2025 is closer to the 66 to 78 loans of earlier years. It filed no reports for 2020 to 2022; those are gaps in the record, not years without lending.
Its main market is Dothan, AL, where it ranks 27 of 222 lenders with 1.2% of lending, a touch below 1.3% the year before. Mortgage Research Center leads there. It has lent in Dothan since 2004, its first year of reporting. Its other markets are scattered across nine counties in three states, with little share in any.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. HNB First Bank took 113 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 51.9% · Refinance 24.7% · Home improvement 12.3% · Other 11.1%
Conventional 100.0% · of 81 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 | 72 | 88.9% |
| Florida | 5 | 6.2% |
| Georgia | 4 | 4.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Dothan | 64 |
| Auburn-Opelika | 3 |
| Birmingham | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900VH8KY0194IAU87 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 117038 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 113752 | 2004–2013 |
| Respondent ID (the HMDA filer code before 2018) | 32805 | 2014–2016 |
Established 16 August 1933. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: HNB First Bank's data.
HNB First Bank's data
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HNB First 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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