Applications / Mortgage Analytics / Lenders / Alabama / Hamilton Mortgage
Montgomery, AL · Independent non-bank lender · CFPB · 406 loans in 2025
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406
loans originated, 2025
506
applications, 2025
6
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Hamilton Mortgage, an Alabama lender reporting since 1990, does most of its business with government backing: only 39.2% of its loans in 2025 were conventional, against 73.3% at similar lenders.
Loans insured by the Federal Housing Administration (FHA) made up 42.4% of its lending, against 18.3% at similar lenders (independent non-bank lenders making between half and twice as many loans). Another 12.8% were guaranteed by the Department of Agriculture's Rural Housing Service, a product the typical similar lender does not use. Nine in ten of its loans financed a purchase.
Some 41.9% of its borrowers had low or moderate incomes, against 23.5% at similar lenders, more than about nine in ten of them. It also lent more in poorer neighborhoods, 25.9% against 17.5%. Its typical loan, $205,000, was smaller than theirs at $325,000, and its typical rate, 6.25%, was lower.
Its loans fell 20% to 406 in 2025, while similar lenders grew 2% and the whole market 10%. The fall followed a jump in 2024, from 328 loans to 506, so 2025 is still above the two years before that. It made 1,145 loans in 2020.
It ranks 55 of 523 lenders in Birmingham, AL, with an unchanged 0.4% share. In Beaumont-Port Arthur, TX, which it entered in 2023, it now ranks 32 of 289, and its share rose from 0.4% to 0.6%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Hamilton Mortgage took 506 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 89.7% · Refinance 10.3%
FHA 42.4% · Conventional 39.2% · USDA (RHS or FSA) 12.8% · VA 5.7% · of 406 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 | 313 | 77.1% |
| Texas | 64 | 15.8% |
| Mississippi | 18 | 4.4% |
| Arkansas | 8 | 2.0% |
| Tennessee | 2 | 0.5% |
| Missouri | 1 | 0.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Birmingham | 160 |
| Huntsville | 46 |
| Beaumont-Port Arthur | 23 |
| Montgomery | 13 |
| Hattiesburg | 11 |
| Decatur | 10 |
| Mobile | 8 |
| San Antonio-New Braunfels | 7 |
| Fayetteville-Springdale-Rogers | 6 |
| Corpus Christi | 5 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900XPILOY1LB5CK32 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3914229 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7631005978 | |
| Respondent ID (the HMDA filer code before 2018) | 77419800009 | 1990–2010 |
Established 16 August 1989. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Hamilton Mortgage's data.
Hamilton Mortgage's data
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