Alabama State Employees Credit Union in Alabama vs the state
0.9%Denial rate-18.98 pts vs state
0.9%Decision denial rate-24.13 pts vs state
99.1%Origination rate+43.74 pts vs state
6.50%Median rate0.00 pts vs state
0.49Rate spread (pts)+0.20 pts vs state
$96kMedian applicant income
114Loans originated
1Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 93 | 93 | 0.0% | 8.00% | #209 |
| 2024 | 115 | 115 | 0.0% | 7.50% | #201 |
| 2025 | 115 | 114 | 0.9% | 6.50% | #213 |
What Alabama State Employees Credit Union lends in Alabama
By loan purpose
By loan type
Where in Alabama
Counties with the most Alabama State Employees Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Elmore County | 39 | 39 | 0 | 0.0% |
| Montgomery County | 29 | 29 | 0 | 0.0% |
| Autauga County | 12 | 12 | 0 | 0.0% |
| Chilton County | 6 | 6 | 0 | 0.0% |
| Dallas County | 5 | 5 | 0 | 0.0% |
| Butler County | 3 | 3 | 0 | 0.0% |
| Tallapoosa County | 3 | 3 | 0 | 0.0% |
| Lee County | 2 | 2 | 0 | 0.0% |
| Jefferson County | 2 | 2 | 0 | 0.0% |
| Shelby County | 2 | 2 | 0 | 0.0% |
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: 115 applications in 2025, of which 114 were originated and 1 denied.
0.9% of all applications, or 0.9% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans Alabama State Employees Credit Union originated in Alabama in 2025 was 6.50%, against a statewide median of 6.50%.
About this data. Figures are Alabama State Employees 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