Applications / Mortgage Analytics / Lenders / Alabama / First Financial Bank
Bessemer, AL · State non-member bank · FDIC · $245 million assets · 24 loans in 2025
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24
loans originated, 2025
53
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First Financial Bank, a small state bank in Bessemer, Alabama, made 24 home loans in 2025, mostly for home purchases, mostly in Alabama.
Its loans fell 47%, from 45 to 24, while those of similar lenders, state non-member banks making between half and twice as many loans, fell 7% and the whole market grew 10%. From 2018 to 2024 its yearly count moved between 39 and 76, so a single year's swing at this size says little about direction.
Three in four of its loans (75.0%) financed a purchase, and every loan was conventional, without a government guarantee. With 24 loans, its shares of lending to particular borrowers and neighborhoods rest on too few loans to read much into.
Birmingham is its largest market, and it has lent there since 1990. It ranked 147th of 523 lenders, with a share that slipped from 0.2% to 0.1% as its loan count fell, in a market led by United Wholesale Mortgage and Regions Bank. It lends in six counties across two states, mostly in Alabama. Its 2002 merger with First Federal Savings Bank adds that bank's filings to its record in the competition figures.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. First Financial Bank took 53 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 75.0% · Home improvement 12.5% · Refinance 8.3% · Other 4.2%
Conventional 100.0% · of 24 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 | 23 | 95.8% |
| Florida | 1 | 4.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Birmingham | 19 |
| Tuscaloosa | 3 |
| Fort Lauderdale-Pompano Beach-Sunrise | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300YIZECN2NB3I529 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 292234 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 319440 | 2002–2017 |
Established 17 May 1965. Reported under HMDA 2002-2025.
Mergers, name changes, data editions and corrections: First Financial Bank's data.
First Financial Bank's data
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