Applications / Mortgage Analytics / Lenders / Alabama / West Alabama Bank & Trust
Reform, AL · State non-member bank · FDIC · $1.0 billion assets · 139 loans in 2025
West Alabama Bank & Trust's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
139
loans originated, 2025
149
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
West Alabama Bank & Trust lends far more in majority-minority neighborhoods than similar banks, and its loans rose 19% in 2025.
Some 33.1% of its loans were in majority-minority neighborhoods, against 5.1% at similar lenders (state non-member banks making between half and twice as many loans), more than at almost nine in ten of them. It also made 26.8% of its loans in low- and moderate-income (LMI) neighborhoods, against 17.5%. Its share of LMI borrowers, 28.1%, sits in the middle of its peers.
Its loans rose 19%, from 117 to 139, while similar banks grew 9%. Its yearly totals have stayed between 113 and 171 since 2018, so the rise brings it back toward its usual level.
Purchases made up 56.1% of its loans and refinancing 30.2%. Its typical loan was $125,000, against $175,000 at similar banks. Every loan was conventional, and manufactured homes were only 0.7% of its lending.
It ranks 23 of 306 lenders in the Tuscaloosa metro, its largest market, where First Federal Bank leads. It has filed since 1997 and lends in 24 counties across 5 states, mostly in Alabama.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. West Alabama Bank & Trust took 149 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 56.1% · Refinance 30.2% · Home improvement 8.6% · Other 5.0%
Conventional 100.0% · of 139 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 | 125 | 89.9% |
| Mississippi | 9 | 6.5% |
| Tennessee | 3 | 2.2% |
| Florida | 1 | 0.7% |
| Texas | 1 | 0.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Tuscaloosa | 74 |
| Birmingham | 15 |
| Daphne-Fairhope-Foley | 13 |
| Nashville-Davidson--Murfreesboro--Franklin | 3 |
| Odessa | 1 |
| Pensacola-Ferry Pass-Brent | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300BWXUPDS3PDOL40 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 501132 | 2006–2023 |
| Respondent ID (the HMDA filer code before 2018) | 316175 | 1997–2017 |
Established 29 July 1944. Reported under HMDA 1997-2025.
Mergers, name changes, data editions and corrections: West Alabama Bank & Trust's data.
West Alabama Bank & Trust's data
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West Alabama Bank & 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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