Signature Federal Credit Union in Alabama vs the state
35.3%Denial rate+15.44 pts vs state
50.0%Decision denial rate+25.00 pts vs state
35.3%Origination rate-20.10 pts vs state
8.38%Median rate+1.88 pts vs state
2.18Rate spread (pts)+1.89 pts vs state
$132kMedian applicant income
6Loans originated
6Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 9 | 1 | 44.4% | 8.75% | #467 |
| 2024 | 15 | 4 | 26.7% | 8.88% | #413 |
| 2025 | 17 | 6 | 35.3% | 8.38% | #409 |
What Signature Federal Credit Union lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most Signature Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Mobile County | 2 | 1 | 0 | 0.0% |
| Dale County | 2 | 1 | 0 | 0.0% |
| Jefferson County | 2 | 1 | 1 | 50.0% |
| Lee County | 2 | 1 | 0 | 0.0% |
| Tuscaloosa County | 2 | 2 | 0 | 0.0% |
| Walker County | 1 | 0 | 1 | 100.0% |
| Etowah County | 1 | 0 | 0 | 0.0% |
| St. Clair County | 1 | 0 | 1 | 100.0% |
| Baldwin County | 1 | 0 | 1 | 100.0% |
| Monroe County | 1 | 0 | 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: 17 applications in 2025, of which 6 were originated and 6 denied.
35.3% of all applications, or 50.0% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans Signature Federal Credit Union originated in Alabama in 2025 was 8.38%, against a statewide median of 6.50%.
About this data. Figures are Signature Federal 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