Family Security Credit Union in Alabama vs the state
33.8%Denial rate+13.95 pts vs state
37.8%Decision denial rate+12.80 pts vs state
55.6%Origination rate+0.24 pts vs state
5.74%Median rate-0.76 pts vs state
0.04Rate spread (pts)-0.24 pts vs state
$65kMedian applicant income
79Loans originated
48Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 177 | 89 | 35.6% | 5.95% | #140 |
| 2024 | 138 | 63 | 41.3% | 6.49% | #183 |
| 2025 | 142 | 79 | 33.8% | 5.74% | #190 |
What Family Security Credit Union lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most Family Security Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Morgan County | 47 | 30 | 13 | 27.7% |
| Lawrence County | 13 | 8 | 2 | 15.4% |
| Madison County | 13 | 5 | 7 | 53.8% |
| Marshall County | 12 | 7 | 4 | 33.3% |
| Cullman County | 11 | 6 | 4 | 36.4% |
| Limestone County | 8 | 5 | 3 | 37.5% |
| Jefferson County | 6 | 4 | 1 | 16.7% |
| Baldwin County | 4 | 3 | 0 | 0.0% |
| Jackson County | 3 | 1 | 2 | 66.7% |
| Washington County | 2 | 1 | 1 | 50.0% |
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: 142 applications in 2025, of which 79 were originated and 48 denied.
33.8% of all applications, or 37.8% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans Family Security Credit Union originated in Alabama in 2025 was 5.74%, against a statewide median of 6.50%.
About this data. Figures are Family Security 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