AOD Federal Credit Union
AOD Federal Credit Union received 54 applications in 2025 and made 42 mortgages, in 16 counties across 2 states. The median rate its borrowers got was 5.520% on a median loan of $210,000. Of 47 decisions, 5 were denials — 10.6%, most often for credit history.
| Legal Entity Identifier | 254900N59TICVY7K7T48 |
|---|---|
| Applications received | 54 |
| Mortgages made | 42 |
| Denied | 5 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 7 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -0.6 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 | 16 | 5.520% | $235,000 | 15.8% |
| Refinancing | 13 | 5.520% | $295,000 | 0.0% |
| Cash-out refinancing | 12 | 5.520% | $120,000 | 0.0% |
| Other purposes | 1 | Under 10 loans | Under 10 loans | 66.7% |
Where AOD Federal Credit Union lends most
The 16 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Calhoun County, AL | 19 | 5.520% | 9.5% |
| Talladega County, AL | 8 | Under 10 loans | 20.0% |
| Clay County, AL | 2 | Under 10 loans | 0.0% |
| Etowah County, AL | 2 | Under 10 loans | 0.0% |
| Madison County, AL | 2 | Under 10 loans | 0.0% |
| Shelby County, AL | 2 | Under 10 loans | 0.0% |
| Baldwin County, AL | 1 | Under 10 loans | 0.0% |
| Blount County, AL | 1 | Under 10 loans | 0.0% |
| Conecuh County, AL | 1 | Under 10 loans | 0.0% |
| Lee County, AL | 1 | Under 10 loans | 0.0% |
| Randolph County, AL | 1 | Under 10 loans | 0.0% |
| St. Clair County, AL | 1 | Under 10 loans | 0.0% |
| Cobb County, GA | 1 | Under 10 loans | 0.0% |
| Cleburne County, AL | 0 | Under 10 loans | Not published |
| Jefferson County, AL | 0 | Under 10 loans | 100.0% |
| Mobile County, AL | 0 | Under 10 loans | Not published |
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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.