Listerhill Credit Union in Alabama vs the state
2.7%Denial rate-17.14 pts vs state
2.8%Decision denial rate-22.18 pts vs state
92.6%Origination rate+37.21 pts vs state
6.00%Median rate-0.50 pts vs state
-0.64Rate spread (pts)-0.92 pts vs state
$91kMedian applicant income
513Loans originated
15Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 431 | 363 | 4.6% | 6.50% | #79 |
| 2024 | 414 | 362 | 5.6% | 6.31% | #86 |
| 2025 | 554 | 513 | 2.7% | 6.00% | #78 |
What Listerhill Credit Union lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most Listerhill Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lauderdale County | 228 | 214 | 3 | 1.3% |
| Colbert County | 169 | 162 | 1 | 0.6% |
| Franklin County | 36 | 36 | 0 | 0.0% |
| Limestone County | 22 | 19 | 3 | 13.6% |
| Marion County | 20 | 16 | 0 | 0.0% |
| Winston County | 18 | 17 | 1 | 5.6% |
| Madison County | 14 | 12 | 1 | 7.1% |
| Morgan County | 13 | 13 | 0 | 0.0% |
| Cullman County | 12 | 7 | 4 | 33.3% |
| Lawrence County | 5 | 5 | 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: 554 applications in 2025, of which 513 were originated and 15 denied.
2.7% of all applications, or 2.8% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans Listerhill Credit Union originated in Alabama in 2025 was 6.00%, against a statewide median of 6.50%.
About this data. Figures are Listerhill 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