Applications / Mortgage Analytics / Lenders / Alabama / First Nation Bank and Trust
Atmore, AL · Non-bank or government lender · CFPB · 74 loans in 2025
First Nation Bank and Trust's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
74
loans originated, 2025
79
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First Nation Bank and Trust, an Atmore, Alabama lender that first reported in 2023, grew its lending by more than half in 2025, making small conventional loans in Alabama and Florida.
Its loans rose 57% in 2025, from 47 to 74, more than at about nine in ten similar lenders. Those peers, lenders of the same type making between half and twice as many loans, saw their lending fall 5%, while the whole market grew 10%. Despite its name, the data class it as a non-bank or government lender rather than a bank.
It is a plain home lender: purchases made up 48.6% of its loans and refinances 41.9%, every loan was conventional, and manufactured homes were a sliver. Its typical loan was $155,000, against $415,000 at similar lenders, smaller than at nearly all of them.
It lends in eleven counties across two states. In Daphne-Fairhope-Foley, its largest market, its share rose from 0.1% to 0.2%, placing it 116th of 485 lenders in a market led by DHI Mortgage Company. It ranked 93rd of 356 in Mobile and 125th of 515 in Pensacola-Ferry Pass-Brent.
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, 2023–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. First Nation Bank and Trust took 79 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 48.6% · Refinance 41.9% · Home improvement 8.1% · Other 1.4%
Conventional 100.0% · of 74 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 | 62 | 83.8% |
| Florida | 12 | 16.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Mobile | 14 |
| Daphne-Fairhope-Foley | 13 |
| Pensacola-Ferry Pass-Brent | 12 |
| Birmingham | 1 |
| Tuscaloosa | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900KXYZ881E3D5449 | 2023–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 1141302 | 2023–2023 |
Established 1 July 1986. Reported under HMDA 2023-2025.
Mergers, name changes, data editions and corrections: First Nation Bank and Trust's data.
First Nation Bank and Trust's data
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First Nation Bank and Trust 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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