Alabama Credit Union in Alabama vs the state
16.6%Denial rate-3.27 pts vs state
21.8%Decision denial rate-3.23 pts vs state
59.6%Origination rate+4.20 pts vs state
5.75%Median rate-0.75 pts vs state
-0.86Rate spread (pts)-1.15 pts vs state
$103kMedian applicant income
115Loans originated
32Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 219 | 142 | 16.9% | 5.75% | #121 |
| 2024 | 183 | 114 | 16.4% | 6.00% | #149 |
| 2025 | 193 | 115 | 16.6% | 5.75% | #156 |
What Alabama Credit Union lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most Alabama Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Tuscaloosa County | 46 | 32 | 9 | 19.6% |
| Baldwin County | 43 | 29 | 8 | 18.6% |
| Jefferson County | 13 | 10 | 1 | 7.7% |
| Shelby County | 12 | 10 | 0 | 0.0% |
| Cullman County | 9 | 6 | 2 | 22.2% |
| Madison County | 8 | 6 | 0 | 0.0% |
| Mobile County | 7 | 4 | 2 | 28.6% |
| Fayette County | 4 | 1 | 2 | 50.0% |
| Morgan County | 3 | 2 | 0 | 0.0% |
| Bibb County | 2 | 1 | 1 | 50.0% |
Other large lenders in Alabama
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Regions Bank | C | 11,871 | 37.2% | 4.99% |
| Rocket Mortgage | C | 9,941 | 20.5% | 6.63% |
| Vanderbilt Mortgage and Finance | F | 8,461 | 41.4% | 9.50% |
| United Shore Financial Services | B | 7,689 | 12.0% | 6.13% |
| 21st Mortgage | F | 6,507 | 46.0% | 9.98% |
| Mortgage Research Center | C | 5,107 | 18.4% | 6.25% |
| REDSTONE Federal Credit Union | C | 4,548 | 18.9% | 8.13% |
| Dhi Mortgage Company | B | 3,909 | 17.5% | 4.99% |
| Freedom Mortgage | B | 3,725 | 8.7% | 6.25% |
| Pennymac Loan Services | C | 3,611 | 11.6% | 6.25% |
Frequently asked questions
Alabama: 193 applications in 2025, of which 115 were originated and 32 denied.
16.6% of all applications, or 21.8% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans Alabama Credit Union originated in Alabama in 2025 was 5.75%, against a statewide median of 6.50%.
About this data. Figures are Alabama Credit Union's own HMDA filing for properties located in Alabama, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology