Applications / Mortgage Analytics / Lenders / Alabama / NobleBank & Trust
Anniston, AL · State member bank · FRS · $439 million assets · 40 loans in 2025
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40
loans originated, 2025
56
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
NobleBank & Trust, an Alabama bank, makes small loans for many purposes, and fewer than half of them buy homes.
Only 42.5% of its loans in 2025 bought homes. Home improvement and other purposes took 20.0% each, and refinancing 17.5%. That mix may keep its loans small: its typical loan was $105,000, against $185,000 at similar banks (state member banks making between half and twice as many loans), smaller than at about nine in ten of them.
It made 40 loans in 2025, up 14% on the year, faster than similar banks (4%) and the whole market (10%). But that is about a third of its 2021 peak of 119, and below the 96 it made in 2020.
It has lent in both Anniston-Oxford and Birmingham since 2007. In Anniston-Oxford its share halved, to 0.6% from 1.2%, and it ranks 42 of 203; Ameris Bank leads. In Birmingham, a far larger market, its share rose to 0.1% and it ranks 149 of 523. With so few loans, a handful moving between the two markets is enough to explain the shift, which may reflect where demand came from rather than a retreat.
A quarter of its loans, 25.0%, went to low- and moderate-income borrowers, against 23.5% at peers, near the middle. It lent more in majority-minority neighborhoods, 15.0% against 7.2%, a higher share than at about two-thirds of 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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. NobleBank & Trust took 56 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 42.5% · Home improvement 20.0% · Other 20.0% · Refinance 17.5%
Conventional 100.0% · of 40 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 | 38 | 95.0% |
| Mississippi | 1 | 2.5% |
| North Carolina | 1 | 2.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Anniston-Oxford | 21 |
| Birmingham | 8 |
| Daphne-Fairhope-Foley | 1 |
| Greensboro-High Point | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300CNDBHD7VKHK806 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3385744 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 124606 | 2007–2012 |
| Respondent ID (the HMDA filer code before 2018) | 23385744 | 2013–2017 |
Established 11 October 2005. Reported under HMDA 2007-2025.
Mergers, name changes, data editions and corrections: NobleBank & Trust's data.
NobleBank & Trust's data
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NobleBank & Trust 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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