MAX Credit Union in Alabama vs the state
22.1%Denial rate+2.29 pts vs state
27.0%Decision denial rate+2.02 pts vs state
59.6%Origination rate+4.24 pts vs state
4.50%Median rate-2.00 pts vs state
0.19Rate spread (pts)-0.10 pts vs state
$88kMedian applicant income
703Loans originated
261Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 224 | 163 | 15.2% | 6.75% | #117 |
| 2024 | 1,061 | 756 | 26.6% | 4.50% | #47 |
| 2025 | 1,179 | 703 | 22.1% | 4.50% | #44 |
What MAX Credit Union lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most MAX Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Montgomery County | 440 | 247 | 115 | 26.1% |
| Elmore County | 248 | 167 | 44 | 17.7% |
| Autauga County | 179 | 123 | 26 | 14.5% |
| Lee County | 112 | 73 | 21 | 18.8% |
| Pike County | 53 | 23 | 16 | 30.2% |
| Jefferson County | 13 | 7 | 2 | 15.4% |
| Chambers County | 11 | 2 | 5 | 45.5% |
| Tallapoosa County | 11 | 2 | 5 | 45.5% |
| Lowndes County | 10 | 5 | 2 | 20.0% |
| Macon County | 9 | 4 | 4 | 44.4% |
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: 1,179 applications in 2025, of which 703 were originated and 261 denied.
22.1% of all applications, or 27.0% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans MAX Credit Union originated in Alabama in 2025 was 4.50%, against a statewide median of 6.50%.
About this data. Figures are MAX 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