All in Federal Credit Union in Alabama vs the state
35.3%Denial rate+15.47 pts vs state
36.2%Decision denial rate+11.16 pts vs state
53.0%Origination rate-2.44 pts vs state
7.50%Median rate+1.00 pts vs state
0.70Rate spread (pts)+0.41 pts vs state
$87kMedian applicant income
862Loans originated
575Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,458 | 872 | 23.9% | 8.50% | #28 |
| 2024 | 1,236 | 722 | 32.0% | 8.50% | #38 |
| 2025 | 1,628 | 862 | 35.3% | 7.50% | #31 |
What All in Federal Credit Union lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most All in Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Houston County | 348 | 211 | 95 | 27.3% |
| Mobile County | 330 | 155 | 134 | 40.6% |
| Coffee County | 264 | 155 | 82 | 31.1% |
| Dale County | 176 | 83 | 70 | 39.8% |
| Covington County | 94 | 51 | 34 | 36.2% |
| Geneva County | 75 | 38 | 25 | 33.3% |
| Baldwin County | 65 | 38 | 23 | 35.4% |
| Henry County | 50 | 24 | 22 | 44.0% |
| Pike County | 41 | 21 | 13 | 31.7% |
| Barbour County | 32 | 18 | 13 | 40.6% |
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: 1,628 applications in 2025, of which 862 were originated and 575 denied.
35.3% of all applications, or 36.2% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans All in Federal Credit Union originated in Alabama in 2025 was 7.50%, against a statewide median of 6.50%.
About this data. Figures are All in Federal 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