Applications / Mortgage Analytics / Lenders / Alabama / First US Bank
Birmingham, AL · State non-member bank · FDIC · $1.2 billion assets · 9 loans in 2025
First US Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
9
loans originated, 2025
18
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First US Bank, an Alabama bank with $1.2 billion in assets, made only nine home loans in 2025, down from 107 in 2018.
Its count has fallen almost every year: 107 loans in 2018, 50 in 2020, 21 in 2024 and 9 in 2025. Its loans fell 57% in 2025, while the whole market grew 10%. Similar lenders, state non-member banks making between half and twice as many loans, also shrank, by 40% in the typical case, and made 14 loans. It may have turned its attention to other kinds of lending; the figures do not say why its home lending has dwindled.
Refinancing made up 77.8% of its loans in 2025. Its typical loan was $65,000, against $285,000 at similar lenders, and every loan was conventional. In 2020 it also bought 57 loans from other lenders; it bought none in 2025. On nine loans, these shares rest on a handful of cases.
It lends across 3 states, mainly Alabama, and has reported since 1999. In Birmingham, its head-office city, it ranked 518 of 523 lenders; United Wholesale Mortgage led the market. Its shares of lending to low- and moderate-income borrowers and neighborhoods are too small a sample to say much about the bank.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 US Bank took 18 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 77.8% · Other 11.1% · Purchase 11.1%
Conventional 100.0% · of 9 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 | 6 | 66.7% |
| Tennessee | 2 | 22.2% |
| Virginia | 1 | 11.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Knoxville | 2 |
| Birmingham | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300XARD788LSGZW76 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 259330 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 317077 | 1999–2017 |
Established 21 January 1952. Reported under HMDA 1999-2025.
Mergers, name changes, data editions and corrections: First US Bank's data.
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