Applications / Mortgage Analytics / Lenders / Alabama / Marion Community Bank
Marion, AL · State non-member bank · FDIC · $350 million assets · 66 loans in 2025
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66
loans originated, 2025
82
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Marion Community Bank, of Marion, Alabama, lends far more in poorer and majority-minority neighborhoods than similar banks, and its loans rose by 40% in 2025.
Of its loans, 39.7% were in poorer neighborhoods (low- and moderate-income, or LMI, tracts), against 18.6% at similar lenders: state non-member banks making between half and twice as many loans. In majority-minority neighborhoods the gap is wider still, 36.4% against 6.9%. Both shares are higher than at more than four in five peers, and both were similar in 2024.
It made 66 loans, up from 47, while similar lenders grew by 9% and the whole market by 10%. It filed no report for 2020 to 2022; since 2020 a bank making fewer than 100 closed-end loans a year need not report, so those are gaps in the record, not years without lending. Its share of the Montgomery market rose from 0.1% to 0.3%.
Its typical loan was $115,000, against $170,000 for peers, smaller than at more than four in five. Two-thirds of its loans paid for home purchases and 30.3% were refinances. Its share of loans to LMI borrowers, 27.3%, matched peers'.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Marion Community Bank took 82 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 66.7% · Refinance 30.3% · Home improvement 3.0%
Conventional 100.0% · of 66 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 | 64 | 97.0% |
| Florida | 2 | 3.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Montgomery | 25 |
| Birmingham | 17 |
| Daphne-Fairhope-Foley | 3 |
| Auburn-Opelika | 1 |
| Crestview-Fort Walton Beach-Destin | 1 |
| Pensacola-Ferry Pass-Brent | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900MMTF4DOQ9XV924 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 449832 | 2017–2023 |
| Respondent ID (the HMDA filer code before 2018) | 314184 | 2017–2017 |
Established 17 March 1934. Reported under HMDA 2017-2025.
Mergers, name changes, data editions and corrections: Marion Community Bank's data.
Marion Community Bank's data
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Marion Community 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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