Five Star Credit Union in Alabama vs the state
24.3%Denial rate+4.41 pts vs state
26.3%Decision denial rate+1.33 pts vs state
54.1%Origination rate-1.29 pts vs state
—Median rate
—Rate spread (pts)
$74kMedian applicant income
165Loans originated
74Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 195 | 126 | 29.7% | 6.97% | #131 |
| 2024 | 205 | 122 | 28.3% | — | #142 |
| 2025 | 305 | 165 | 24.3% | — | #125 |
What Five Star Credit Union lends in Alabama
By loan purpose
By loan type
Where in Alabama
Counties with the most Five Star Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Houston County | 110 | 69 | 28 | 25.5% |
| Henry County | 41 | 22 | 10 | 24.4% |
| Dale County | 39 | 19 | 13 | 33.3% |
| Barbour County | 32 | 17 | 5 | 15.6% |
| Geneva County | 31 | 11 | 12 | 38.7% |
| Coffee County | 18 | 7 | 3 | 16.7% |
| Pike County | 5 | 1 | 0 | 0.0% |
| Covington County | 4 | 0 | 2 | 50.0% |
| Lee County | 2 | 2 | 0 | 0.0% |
| Mobile County | 2 | 2 | 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: 305 applications in 2025, of which 165 were originated and 74 denied.
24.3% of all applications, or 26.3% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Five Star 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