State Department Federal Credit Union in Alabama vs the state
20.0%Denial rate+0.15 pts vs state
33.3%Decision denial rate+8.33 pts vs state
20.0%Origination rate-35.39 pts vs state
6.00%Median rate-0.50 pts vs state
-0.63Rate spread (pts)-0.91 pts vs state
$169kMedian applicant income
1Loans originated
1Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 6 | 4 | 33.3% | 7.65% | #521 |
| 2024 | 8 | 4 | 25.0% | 8.13% | #482 |
| 2025 | 5 | 1 | 20.0% | 6.00% | #590 |
What State Department Federal Credit Union lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most State Department Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Walker County | 1 | 0 | 0 | 0.0% |
| Shelby County | 1 | 0 | 0 | 0.0% |
| Baldwin County | 1 | 1 | 0 | 0.0% |
| Madison County | 1 | 0 | 0 | 0.0% |
| Limestone County | 1 | 0 | 1 | 100.0% |
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: 5 applications in 2025, of which 1 were originated and 1 denied.
20.0% of all applications, or 33.3% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans State Department Federal Credit Union originated in Alabama in 2025 was 6.00%, against a statewide median of 6.50%.
About this data. Figures are State Department 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