West Alabama Bank & Trust
West Alabama Bank & Trust received 149 applications in 2025 and made 139 mortgages, in 24 counties across 5 states. The median rate its borrowers got was Not published on a median loan of $125,000. Of 148 decisions, 4 were denials — 2.7%.
| Legal Entity Identifier | 549300BWXUPDS3PDOL40 |
|---|---|
| Applications received | 149 |
| Mortgages made | 139 |
| Denied | 4 |
| Approved, not taken up | 5 |
| Withdrawn or incomplete | 1 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: West Alabama Bank & Trust, 16 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 78 | Not published | $165,000 | 1.2% |
| Refinancing | 42 | Not published | $95,000 | 4.4% |
| Other purposes | 19 | Not published | $75,000 | 4.8% |
Where West Alabama Bank & Trust lends most
The 24 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Tuscaloosa County, AL | 46 | Not published | 2.0% |
| Pickens County, AL | 28 | Not published | 9.1% |
| Baldwin County, AL | 13 | Not published | 0.0% |
| Jefferson County, AL | 9 | Under 10 loans | 0.0% |
| Lamar County, AL | 8 | Under 10 loans | 0.0% |
| Fayette County, AL | 5 | Under 10 loans | 0.0% |
| Choctaw County, AL | 4 | Under 10 loans | 0.0% |
| Sumter County, AL | 3 | Under 10 loans | 0.0% |
| Oktibbeha County, MS | 3 | Under 10 loans | 0.0% |
| Blount County, AL | 2 | Under 10 loans | 0.0% |
| Shelby County, AL | 2 | Under 10 loans | 0.0% |
| Lowndes County, MS | 2 | Under 10 loans | 0.0% |
| Noxubee County, MS | 2 | Under 10 loans | 0.0% |
| Williamson County, TN | 2 | Under 10 loans | 0.0% |
| Bibb County, AL | 1 | Under 10 loans | 0.0% |
| Chilton County, AL | 1 | Under 10 loans | 0.0% |
| DeKalb County, AL | 1 | Under 10 loans | 0.0% |
| Perry County, AL | 1 | Under 10 loans | 0.0% |
| Wilcox County, AL | 1 | Under 10 loans | 0.0% |
| Escambia County, FL | 1 | Under 10 loans | 0.0% |
| Kemper County, MS | 1 | Under 10 loans | 0.0% |
| Wayne County, MS | 1 | Under 10 loans | 0.0% |
| Sumner County, TN | 1 | Under 10 loans | 0.0% |
| Ector County, TX | 1 | Under 10 loans | 0.0% |
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When West Alabama Bank & Trust’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.