Credit Human Federal Credit Union in Alabama vs the state
74.6%Denial rate+54.71 pts vs state
74.8%Decision denial rate+49.82 pts vs state
7.1%Origination rate-48.32 pts vs state
8.15%Median rate+1.65 pts vs state
2.29Rate spread (pts)+2.00 pts vs state
$72kMedian applicant income
20Loans originated
211Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 413 | 50 | 77.7% | 7.70% | #84 |
| 2024 | 367 | 35 | 75.8% | 8.30% | #98 |
| 2025 | 283 | 20 | 74.6% | 8.15% | #126 |
What Credit Human Federal Credit Union lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most Credit Human Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Limestone County | 23 | 1 | 16 | 69.6% |
| Madison County | 23 | 1 | 18 | 78.3% |
| Baldwin County | 22 | 5 | 12 | 54.5% |
| Lee County | 21 | 1 | 18 | 85.7% |
| Geneva County | 16 | 1 | 14 | 87.5% |
| Dale County | 13 | 0 | 12 | 92.3% |
| Coffee County | 11 | 1 | 7 | 63.6% |
| Cullman County | 11 | 0 | 8 | 72.7% |
| Mobile County | 9 | 2 | 7 | 77.8% |
| Covington County | 8 | 1 | 6 | 75.0% |
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: 283 applications in 2025, of which 20 were originated and 211 denied.
74.6% of all applications, or 74.8% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans Credit Human Federal Credit Union originated in Alabama in 2025 was 8.15%, against a statewide median of 6.50%.
About this data. Figures are Credit Human 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