Empeople Credit Union in Alabama vs the state
8.3%Denial rate-11.52 pts vs state
12.5%Decision denial rate-12.50 pts vs state
58.3%Origination rate+2.94 pts vs state
6.38%Median rate-0.13 pts vs state
-0.23Rate spread (pts)-0.52 pts vs state
$142kMedian applicant income
7Loans originated
1Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 11 | 5 | 18.2% | 7.24% | #433 |
| 2024 | 17 | 6 | 11.8% | 6.74% | #400 |
| 2025 | 12 | 7 | 8.3% | 6.38% | #458 |
What Empeople Credit Union lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most Empeople Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Baldwin County | 5 | 2 | 1 | 20.0% |
| Mobile County | 2 | 2 | 0 | 0.0% |
| Madison County | 2 | 1 | 0 | 0.0% |
| Monroe County | 1 | 1 | 0 | 0.0% |
| Houston County | 1 | 0 | 0 | 0.0% |
| Marshall County | 1 | 1 | 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: 12 applications in 2025, of which 7 were originated and 1 denied.
8.3% of all applications, or 12.5% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans Empeople Credit Union originated in Alabama in 2025 was 6.38%, against a statewide median of 6.50%.
About this data. Figures are Empeople 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