A short record
The bank was established in 2018 as CommerceOne Bank and first reported its home lending in 2023. It moved its head office to Alabama in 2025. Its record is too short, and its lending too small, to say much about its long-run course.
Applications / Mortgage Analytics / Lenders / Alabama / CommerceOne Bank
CommerceOne Bank
Birmingham, AL · State non-member bank · FDIC · $840 million assets · 18 loans in 2025
CommerceOne Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
18
loans originated, 2025
18
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
CommerceOne Bank is a young bank whose home lending has fallen each year since it first reported in 2023, to 18 loans in 2025, even as it spread into new markets.
Fewer loans each year
It made 35 loans in 2023, 29 in 2024 and 18 in 2025. The latest fall, 38%, was steeper than at similar lenders, state non-member banks making between half and twice as many loans, whose lending fell 15%. The whole market grew 10%.
Spread thin
Those 18 loans were scattered across 14 counties in four states, Georgia most of all. In 2025 it first lent in non-metro Mississippi, non-metro Alabama, Daphne-Fairhope-Foley and Auburn-Opelika. Nowhere does it hold a meaningful share; in Birmingham, its home city, it ranks 252nd of 523 lenders.
Plain conventional loans
Most of its loans, 77.8%, financed a purchase, and all were conventional. Its typical loan, $240,000, was larger than similar banks' $177,500. With so few loans, these shares and sizes can swing widely from year to year.
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, 2023–2025
18 loans in 2025, against a peak of 35 in 2023.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. CommerceOne Bank took 18 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
77.8% of its 2025 loans were purchase loans; all were conventional loans.
Purchase 77.8% · Refinance 16.7% · Home improvement 5.6%
Conventional 100.0% · of 18 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
4 states, 5 metros, 14 counties
| State | Loans | Share |
|---|---|---|
| Georgia | 9 | 50.0% |
| Alabama | 7 | 38.9% |
| Mississippi | 1 | 5.6% |
| Virginia | 1 | 5.6% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Atlanta-Sandy Springs-Roswell | 4 |
| Birmingham | 4 |
| Marietta | 2 |
| Auburn-Opelika | 1 |
| Daphne-Fairhope-Foley | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900HHWJCW5OPA1I45 | 2023–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 5227101 | 2023–2023 |
Established 4 June 2018. Reported under HMDA 2023-2025.
Mergers, name changes, data editions and corrections: CommerceOne Bank's data.
The data and the software behind these pages
CommerceOne Bank's data
$215
CommerceOne 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.
Buy CommerceOne Bank's data, $215Jenner Mortgage Analytics: all the data
$2,110
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.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]