Applications / Mortgage Analytics / Lenders / Alabama / America's First Federal Credit Union
Birmingham, AL · Credit union · NCUA · $2.7 billion assets · 1,508 loans in 2025
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1,508
loans originated, 2025
2,178
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
America's First Federal Credit Union is an Alabama credit union of small home-improvement and other-purpose loans that grew 27% in 2025, about three times as fast as similar lenders.
Home improvement made up 41.2% of its loans and other purposes 38.7%; refinances were 10.8% and home purchases 9.3%. Its typical loan was $65,000, smaller than at nearly all similar lenders (credit unions making between half and twice as many loans), whose typical loan was $115,000. All its lending was conventional.
Originations rose 27% to 1,508, against 9% at similar lenders and 10% for the whole market, higher than more than four in five of them. The amount it lent rose to $167.0 million from $116.0 million.
Its share of Birmingham lending rose 0.4 points to 1.9%, ranking 13 of 523 lenders, a market it has served since 1995. In Anniston-Oxford its share rose 0.3 points to 0.9%.
LMI (low- and moderate-income) borrowers took 30.3% of its loans, against 27.0% at peers, higher than more than two-thirds of them. Majority-minority areas took 17.3%, against 10.4%. Its share in LMI areas, 13.2%, was lower than peers' 15.3%; the make-up of the Alabama markets it serves is one possible reason.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. America's First Federal Credit Union took 2,178 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 41.2% · Other 38.7% · Refinance 10.8% · Purchase 9.3%
Conventional 100.0% · of 1,508 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Alabama | 1,508 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Birmingham | 1,191 |
| Mobile | 56 |
| Anniston-Oxford | 39 |
| Tuscaloosa | 32 |
| Daphne-Fairhope-Foley | 15 |
| Gadsden | 5 |
| Huntsville | 5 |
| Decatur | 4 |
| Auburn-Opelika | 2 |
| Florence-Muscle Shoals | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300ERL4SV8MDO3P56 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 455093 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 524534 | 1995–2017 |
Established 1 January 1936. Reported under HMDA 1995-2025.
Mergers, name changes, data editions and corrections: America's First Federal Credit Union's data.
America's First Federal Credit Union's data
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America's First Federal Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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