Applications / Mortgage Analytics / Lenders / Alabama / Traditions Bank
Cullman, AL · State non-member bank · FDIC · $856 million assets · 238 loans in 2025
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238
loans originated, 2025
245
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Traditions Bank, a state non-member bank in Cullman, Alabama, grew its mortgage lending by 43% in 2025, and 25.6% of its loans were for manufactured homes.
Its loans rose 43%, from 166 to 238. Similar lenders, state non-member banks making between half and twice as many loans, grew 9%, and the whole market 10%. That put it ahead of about nine in ten of them. The rebound followed three years of decline from a peak of 364 loans in 2021.
Manufactured homes made up 25.6% of its loans, against 2.6% at similar lenders, a higher share than at more than nine in ten of them. Its typical loan, $155,000, was smaller than the peers' $175,000. Half its loans financed purchases and 41.6% were refinances, and every loan was conventional, with none insured or guaranteed by the government.
All its lending is in Alabama, spread over 15 counties in seven metros and the countryside. Of the markets where its share is measured, its largest is Decatur, 0.6%, unchanged from 2024, where it ranks 42 of 240 lenders. In the other metros it holds 0.1% or less. It added share in Birmingham, Tuscaloosa and Daphne-Fairhope-Foley, though each gain was small. It first reported under HMDA, the federal mortgage-disclosure law, in 2008.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Traditions Bank took 245 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 50.0% · Refinance 41.6% · Other 6.3% · Home improvement 2.1%
Conventional 100.0% · of 238 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 | 238 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Birmingham | 26 |
| Decatur | 21 |
| Daphne-Fairhope-Foley | 6 |
| Huntsville | 6 |
| Auburn-Opelika | 2 |
| Tuscaloosa | 2 |
| Montgomery | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900GRDRKSA8ZPAJ55 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3194692 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 357554 | 2008–2017 |
Established 4 August 2003. Reported under HMDA 2008-2025.
Mergers, name changes, data editions and corrections: Traditions Bank's data.
Traditions Bank's data
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Traditions Bank 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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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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