Applications / Mortgage Analytics / Lenders / Alabama / Consumer First Mortgage
Northport, AL · Independent non-bank lender · CFPB · 148 loans in 2025
Consumer First Mortgage's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
148
loans originated, 2025
169
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Consumer First Mortgage, a small Alabama mortgage company, lends mainly to home buyers with government-backed loans, and reaches far more low- and moderate-income borrowers than similar lenders do.
Loans insured by the Federal Housing Administration (FHA) made up 45.9% of its lending, against 15.4% at similar lenders, independent non-bank lenders making between half and twice as many loans. Loans guaranteed by the Department of Agriculture's Rural Housing Service added 5.4%, where most peers made none. Purchases were 80.4% of its loans.
Some 38.5% of its borrowers had low or moderate incomes, against 20.1% for peers, more than at nearly nine in ten of them. Its typical loan, $195,000, is far below peers' $325,000. Fewer of its loans, 11.6%, went to poorer neighborhoods than at peers, which may reflect a footprint weighted to rural Alabama, its largest market.
It lends in 15 metros across three states, but Alabama is its base. It ranks 42 of 220 lenders in Florence-Muscle Shoals and 52 of 240 in Decatur, where its share rose to 0.5% from 0.3%. In Tuscaloosa its share edged up to 0.3%. In 2025 it began lending around Ocala and The Villages in Florida.
Its 148 loans were down 11% from 166, while peers shrank by 2% and the whole market grew by 10%. It made 341 loans in 2021, more than twice today's total. Its typical rate rose from 2.88% in 2020 to 6.38% in 2025, and dearer loans may account for much of the fall; the record does not say.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Consumer First Mortgage took 169 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 80.4% · Refinance 19.6%
FHA 45.9% · Conventional 42.6% · VA 6.1% · USDA (RHS or FSA) 5.4% · of 148 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 | 142 | 95.9% |
| Tennessee | 4 | 2.7% |
| Florida | 2 | 1.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Florence-Muscle Shoals | 21 |
| Birmingham | 20 |
| Decatur | 17 |
| Tuscaloosa | 14 |
| Montgomery | 7 |
| Mobile | 6 |
| Huntsville | 5 |
| Daphne-Fairhope-Foley | 3 |
| Dothan | 3 |
| Gadsden | 3 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300XHEKTWE48VS407 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3914265 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7631254889 |
Established 24 August 2000. Reported under HMDA 2005-2025.
Mergers, name changes, data editions and corrections: Consumer First Mortgage's data.
Consumer First Mortgage's data
$215
Consumer First Mortgage 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.
Buy Consumer First Mortgage's data, $215Jenner Mortgage Analytics: all the data
$2,110
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]