Listerhill 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 A 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%
80th3.5% deniedPricingmedian rate spread over APOR, weight 30%
98th-0.62 ptsProcesswithdrawn + incomplete share, weight 15%
78th5.0%Closing coststotal loan costs ÷ loan amount, weight 10%
25th2.72% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 537 | 446 | 5.0% | 5.6% | 6.50% | $71M |
| 2024 | 526 | 440 | 7.4% | 8.0% | 6.24% | $60M |
| 2025 | 666 | 607 | 3.3% | 3.5% | 6.00% | $103M |
What Listerhill 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: 190 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 15 investment properties.
Why Listerhill Credit Union denies applications
Primary reason reported for each of the 22 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Listerhill 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 | 82 | 67 | 10.5% |
| $50k – $100k | 269 | 248 | 3.9% |
| $100k – $150k | 167 | 154 | 1.3% |
| $150k – $250k | 105 | 100 | 1.0% |
| Over $250k | 23 | 18 | 5.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 25 | 20 | 13.0% |
| 25–34 | 113 | 105 | 2.7% |
| 35–44 | 178 | 162 | 3.0% |
| 45–54 | 132 | 121 | 1.6% |
| 55–64 | 124 | 114 | 4.2% |
| 65–74 | 67 | 59 | 4.8% |
| Over 74 | 20 | 19 | 5.0% |
Where Listerhill Credit Union lends
4 states and 40 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Alabama | 554 | 513 | 2.7% | 6.00% | #78 |
| Tennessee | 106 | 88 | 6.6% | 6.00% | #314 |
| Mississippi | 5 | 5 | 0.0% | 6.13% | #356 |
Frequently asked questions
Listerhill Credit Union denied 3.5% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 80th percentile of small mortgage lenders.
The most common reason Listerhill Credit Union gave in 2025 was "collateral", cited on 45.5% 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 Listerhill Credit Union originated in 2025 was 6.00%, and its median rate spread over the average prime offer rate was -0.62 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 26% of its applications were for home purchases, 74% for refinancing (including cash-out), and 0% 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.