AlaTrust Credit Union in Alabama vs the state
40.4%Denial rate+20.58 pts vs state
47.2%Decision denial rate+22.20 pts vs state
45.2%Origination rate-10.18 pts vs state
7.00%Median rate+0.50 pts vs state
-2.30Rate spread (pts)-2.59 pts vs state
$101kMedian applicant income
85Loans originated
76Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 126 | 64 | 31.0% | 5.99% | #172 |
| 2024 | 171 | 84 | 35.1% | 6.44% | #155 |
| 2025 | 188 | 85 | 40.4% | 7.00% | #159 |
What AlaTrust Credit Union lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most AlaTrust Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 67 | 30 | 30 | 44.8% |
| Calhoun County | 29 | 7 | 18 | 62.1% |
| Walker County | 24 | 11 | 11 | 45.8% |
| Shelby County | 22 | 13 | 5 | 22.7% |
| Talladega County | 12 | 4 | 7 | 58.3% |
| St. Clair County | 8 | 5 | 2 | 25.0% |
| Tuscaloosa County | 3 | 1 | 0 | 0.0% |
| Montgomery County | 3 | 2 | 1 | 33.3% |
| Clay County | 2 | 2 | 0 | 0.0% |
| Fayette 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: 188 applications in 2025, of which 85 were originated and 76 denied.
40.4% of all applications, or 47.2% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans AlaTrust Credit Union originated in Alabama in 2025 was 7.00%, against a statewide median of 6.50%.
About this data. Figures are AlaTrust 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