Applications / Mortgage Analytics / Lenders / Alabama / The Samson Banking Company
Samson, AL · State non-member bank · FDIC · $118 million assets · 72 loans in 2025
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72
loans originated, 2025
88
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The Samson Banking Company lends on modest homes in Alabama: its typical loan of $65,000 is smaller than at almost any similar bank, and more than a quarter of its loans are on manufactured homes.
Similar lenders, state non-member banks making between half and twice as many loans, made a typical loan of $170,000, more than twice the bank's. Manufactured homes took 27.8% of its loans, against 2.6% at peers, higher than nearly all of them. Refinances made up 47.2% of its lending and purchases 33.3%.
More than half its loans, 55.6%, went to poorer neighborhoods (low- and moderate-income, or LMI, tracts), against 18.5% at similar banks; almost none of its peers has a higher share. Its borrowers were also more often of modest means: 41.8% had low or moderate incomes, against 27.2%, higher than nearly nine in ten peers.
The bank made 72 loans in 2025, 20% fewer than in 2024, while similar banks grew by 9%. Its growth was lower than nearly nine in ten peers'. In Dothan, its largest market, it ranked 48 of 222 and its share slipped from 0.7% to 0.5%. With so few loans, a handful either way moves its share; the fall may be no more than that.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. The Samson Banking Company took 88 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 47.2% · Purchase 33.3% · Home improvement 12.5% · Other 6.9%
Conventional 100.0% · of 72 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 | 58 | 80.6% |
| Florida | 14 | 19.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Dothan | 50 |
| Crestview-Fort Walton Beach-Destin | 7 |
| Auburn-Opelika | 1 |
| Panama City-Panama City Beach | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300DQG9B47MV1MR51 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 472531 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 316185 | 2004–2017 |
Established 1 January 1930. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: The Samson Banking Company's data.
The Samson Banking Company's data
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The Samson Banking Company 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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