Family Savings Credit Union in Alabama vs the state
7.5%Denial rate-12.35 pts vs state
7.6%Decision denial rate-17.45 pts vs state
86.6%Origination rate+31.20 pts vs state
6.50%Median rate0.00 pts vs state
0.89Rate spread (pts)+0.60 pts vs state
$194kMedian applicant income
439Loans originated
38Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 405 | 341 | 15.8% | 8.25% | #86 |
| 2024 | 434 | 401 | 5.8% | 8.00% | #82 |
| 2025 | 507 | 439 | 7.5% | 6.50% | #82 |
What Family Savings Credit Union lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most Family Savings Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Etowah County | 196 | 154 | 24 | 12.2% |
| Marshall County | 143 | 140 | 2 | 1.4% |
| DeKalb County | 64 | 60 | 1 | 1.6% |
| Jackson County | 23 | 18 | 4 | 17.4% |
| Cherokee County | 21 | 18 | 2 | 9.5% |
| Calhoun County | 17 | 11 | 3 | 17.6% |
| St. Clair County | 10 | 9 | 1 | 10.0% |
| Madison County | 7 | 5 | 1 | 14.3% |
| Baldwin County | 4 | 4 | 0 | 0.0% |
| Mobile County | 4 | 4 | 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: 507 applications in 2025, of which 439 were originated and 38 denied.
7.5% of all applications, or 7.6% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans Family Savings Credit Union originated in Alabama in 2025 was 6.50%, against a statewide median of 6.50%.
About this data. Figures are Family Savings 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