Family Security Credit Union at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
4th37.5% deniedPricingmedian rate spread over APOR, weight 30%
77th0.04 ptsProcesswithdrawn + incomplete share, weight 15%
52nd11.1%Closing coststotal loan costs ÷ loan amount, weight 10%
26th2.68% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 180 | 92 | 35.0% | 40.7% | 5.95% | $8.9M |
| 2024 | 138 | 63 | 41.3% | 47.5% | 6.49% | $6.5M |
| 2025 | 144 | 80 | 33.3% | 37.5% | 5.84% | $10M |
What Family Security Credit Union lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 2 manufactured homes, 16 investment properties.
Why Family Security Credit Union denies applications
Primary reason reported for each of the 48 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Family Security Credit Union
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 47 | 21 | 50.0% |
| $50k – $100k | 57 | 32 | 37.3% |
| $100k – $150k | 21 | 11 | 35.3% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 21 | 9 | 57.1% |
| 35–44 | 27 | 13 | 50.0% |
| 45–54 | 29 | 16 | 38.5% |
| 55–64 | 31 | 22 | 18.5% |
Where Family Security Credit Union lends
3 states and 26 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Alabama | 142 | 79 | 33.8% | 5.74% | #190 |
Frequently asked questions
Family Security Credit Union denied 37.5% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 4th percentile of small mortgage lenders.
The most common reason Family Security Credit Union gave in 2025 was "debt-to-income ratio", cited on 54.2% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Family Security Credit Union originated in 2025 was 5.84%, and its median rate spread over the average prime offer rate was 0.04 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 28% of its applications were for home purchases, 63% for refinancing (including cash-out), and 10% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.