Applications / Mortgage Analytics / Lenders / Alabama / The HomeTown Bank of Alabama
Oneonta, AL · State non-member bank · FDIC · $639 million assets · 234 loans in 2025
The HomeTown Bank of Alabama's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
234
loans originated, 2025
328
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The HomeTown Bank of Alabama leans on manufactured homes: a quarter of its 2025 loans were for them, about ten times the share at similar lenders.
Manufactured homes took 25.2% of its loans, against 2.6% at similar lenders (state non-member banks making between half and twice as many loans); more than nine in ten had a smaller share. Its loans are smaller too, at a typical $135,000 against $175,000. Home improvement and other purposes made up about a fifth of its lending, and every loan was conventional.
It made 35.0% of its loans in low- and moderate-income (LMI) neighborhoods, double the 17.5% at similar lenders and higher than at more than nine in ten. Its share to LMI borrowers, 32.3%, was closer to peers' 28.1%.
Its loans peaked at 344 in 2022 and have fallen each year since, to 234 in 2025. The 16% drop last year came as similar lenders grew 9% and the market 10%; about nine in ten of them grew faster or shrank less. Its dollar lending barely moved, at $40.9 million, as the typical loan rose from $105,000 to $135,000.
It has lent in Birmingham and Gadsden since 2005. In Gadsden its share rose 0.2 points to 0.7%, ranking it 34 of 190 lenders. In Birmingham, where United Wholesale Mortgage leads, it ranks 50 of 523 and its share slipped 0.1 points to 0.5% as its loan count fell.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. The HomeTown Bank of Alabama took 328 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 54.7% · Refinance 24.4% · Home improvement 10.7% · Other 10.3%
Conventional 100.0% · of 234 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 | 234 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Birmingham | 204 |
| Gadsden | 11 |
| Tuscaloosa | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300FJRQ7KMJ2TQQ84 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3217331 | 2005–2023 |
| Respondent ID (the HMDA filer code before 2018) | 357540 | 2005–2017 |
Established 20 October 2003. Reported under HMDA 2005-2025.
Mergers, name changes, data editions and corrections: The HomeTown Bank of Alabama's data.
The HomeTown Bank of Alabama's data
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The HomeTown Bank of Alabama 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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