ALABAMA CREDIT UNION
ALABAMA CREDIT UNION received 195 applications in 2025 and made 116 mortgages, in 27 counties across 2 states. The median rate its borrowers got was 5.750% on a median loan of $255,000. Of 148 decisions, 32 were denials — 21.6%, most often for credit history. 34 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300XDZHJDR5G01Q52 |
|---|---|
| Applications received | 195 |
| Mortgages made | 116 |
| Denied | 32 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 47 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -0.837 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 44 | 5.750% | $285,000 | 6.4% |
| Refinancing | 26 | 5.750% | $250,000 | 29.7% |
| Cash-out refinancing | 21 | 5.500% | $265,000 | 25.0% |
| Other purposes | 25 | 5.750% | $175,000 | 30.6% |
Where ALABAMA CREDIT UNION lends most
The 27 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Tuscaloosa County, AL | 32 | 5.750% | 22.0% |
| Baldwin County, AL | 29 | 5.750% | 21.6% |
| Jefferson County, AL | 10 | 5.750% | 9.1% |
| Shelby County, AL | 10 | 5.625% | 0.0% |
| Cullman County, AL | 6 | Under 10 loans | 25.0% |
| Madison County, AL | 6 | Under 10 loans | 0.0% |
| Mobile County, AL | 4 | Under 10 loans | 33.3% |
| Morgan County, AL | 2 | Under 10 loans | 0.0% |
| Bibb County, AL | 1 | Under 10 loans | 50.0% |
| Choctaw County, AL | 1 | Under 10 loans | 0.0% |
| Colbert County, AL | 1 | Under 10 loans | 0.0% |
| Fayette County, AL | 1 | Under 10 loans | 66.7% |
| Geneva County, AL | 1 | Under 10 loans | 0.0% |
| Greene County, AL | 1 | Under 10 loans | 0.0% |
| Lauderdale County, AL | 1 | Under 10 loans | 0.0% |
| Lee County, AL | 1 | Under 10 loans | 0.0% |
| Limestone County, AL | 1 | Under 10 loans | 0.0% |
| Marshall County, AL | 1 | Under 10 loans | 0.0% |
| Pickens County, AL | 1 | Under 10 loans | 0.0% |
| Pike County, AL | 1 | Under 10 loans | 0.0% |
| St. Clair County, AL | 1 | Under 10 loans | 0.0% |
| Talladega County, AL | 1 | Under 10 loans | 50.0% |
| Tallapoosa County, AL | 1 | Under 10 loans | 0.0% |
| Winston County, AL | 1 | Under 10 loans | 0.0% |
| Escambia County, FL | 1 | Under 10 loans | 0.0% |
| Dallas County, AL | 0 | Under 10 loans | 100.0% |
| Walker County, AL | 0 | Under 10 loans | 100.0% |
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When ALABAMA CREDIT UNION’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.