Applications / Mortgage Analytics / Lenders / Alabama / North Alabama Bank
Hazel Green, AL · State non-member bank · FDIC · $175 million assets · 37 loans in 2025
North Alabama Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
37
loans originated, 2025
40
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
North Alabama Bank, a small lender near Huntsville, puts nearly half its loans in poorer neighborhoods, far more than similar banks.
In 2025, 46.0% of its loans went to low- and moderate-income (LMI) neighborhoods, against 18.8% at similar banks (state non-member banks making between half and twice as many loans). That is higher than at about nine in ten of them. Its share of loans to LMI borrowers, 35.5% against 26.7%, was higher than at more than two-thirds.
Three in four of its loans, 75.7%, bought homes. Its typical loan was $115,000, against $175,000 at peers, smaller than at about four in five. All its loans were conventional.
It has lent in Huntsville since 1992, three years after it was founded, and ranks 125 of 440 there with a 0.1% share, unchanged on the year. United Wholesale Mortgage leads that market. Its lending reaches only two states and five counties.
It made 37 loans in 2025, down 8%, while similar banks grew 1% and the whole market 10%. It made 52 in 2019. It filed no report for 2020 to 2022, which is a gap in the record, not a pause in lending. At this size a few loans either way move every figure, so the trend is hard to read.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. North Alabama Bank took 40 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 75.7% · Refinance 13.5% · Home improvement 10.8%
Conventional 100.0% · of 37 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 | 33 | 89.2% |
| Tennessee | 4 | 10.8% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Huntsville | 32 |
| Decatur | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900Z8HZ6PMY4EY406 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 1402384 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 327560 | 1992–2017 |
Established 14 August 1989. Reported under HMDA 1992-2025.
Mergers, name changes, data editions and corrections: North Alabama Bank's data.
North Alabama Bank's data
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North Alabama 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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