Applications / Mortgage Analytics / Lenders / Alabama / Peoples Bank of Alabama
Cullman, AL · State non-member bank · FDIC · $1.4 billion assets · 88 loans in 2025
Peoples Bank of Alabama's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
88
loans originated, 2025
167
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Peoples Bank of Alabama makes an unusually large share of its loans on manufactured homes, and lends more to borrowers of modest means than most of its peers.
Manufactured homes made up 14.8% of its loans in 2025, against 2.8% at similar lenders (state non-member banks making between half and twice as many loans). That is a higher share than nearly nine in ten of them. Its typical loan, $145,000, was smaller than the $175,000 at peers, and every loan was conventional.
Some 38.5% of its borrowers had low or moderate incomes (LMI), against 27.4% at peers, higher than about four in five similar lenders. It also lent more in majority-minority neighborhoods: 15.9% of its loans, against 6.4%. Its smaller loans may suit buyers with smaller incomes.
Its loans rose 10% to 88, close to the 9% at similar lenders and the 10% for the whole market. Purchases were 47.7% of its lending and refinances 39.8%.
It lends in eight metros across three states but is a minor lender in all of them. It ranked 89 of 523 in non-metro Alabama, where United Wholesale Mortgage led with $264.9M, and 56 of 240 around Decatur.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Peoples Bank of Alabama took 167 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 47.7% · Refinance 39.8% · Home improvement 6.8% · Other 5.7%
Conventional 100.0% · of 88 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 | 84 | 95.5% |
| Tennessee | 3 | 3.4% |
| Florida | 1 | 1.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Birmingham | 14 |
| Decatur | 12 |
| Huntsville | 8 |
| Gadsden | 4 |
| Jackson | 2 |
| Nashville-Davidson--Murfreesboro--Franklin | 1 |
| Pensacola-Ferry Pass-Brent | 1 |
| Tuscaloosa | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493002XCPKQYCZ56W55 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 60330 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 322537 | 1995–2017 |
Established 24 October 1977. Reported under HMDA 1995-2025.
Mergers, name changes, data editions and corrections: Peoples Bank of Alabama's data.
Peoples Bank of Alabama's data
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Peoples Bank of Alabama 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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