Second in Gadsden, and a new foothold in Mobile
In Gadsden its share rose 1.6 points to 6.2%, second only to Lument Real Estate Capital. In Mobile, where it first lent in 2025, it took 0.9% of the market, ranking 35 of 356.
Applications / Mortgage Analytics / Lenders / Alabama / Family Savings Credit Union
Family Savings Credit Union
Rainbow City, AL · Credit union · NCUA · $1.2 billion assets · 796 loans in 2025
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796
loans originated, 2025
1,003
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Family Savings Credit Union is an Alabama credit union ranked 2 of 190 lenders in Gadsden, where its share rose 1.6 points in 2025; its loans are mostly for refinancing and other purposes.
Refinance and other-purpose loans
Other purposes made up 45.0% of its loans and refinances 36.1%; home purchases were only 7.4%. All of it was conventional, and its typical loan, $95,000, was smaller than at about three in four similar lenders (credit unions making between half and twice as many loans). Manufactured homes were 2.1% of its loans, against 0.3% at peers.
More lending in LMI areas than most peers
LMI (low- and moderate-income) areas took 21.0% of its loans, against 15.0% at similar lenders, higher than nearly nine in ten. Its share to LMI borrowers, 23.6%, was below peers' 27.5%; the make-up of the Alabama markets it serves is one possible reason.
Fewer loans in 2025 after a step up
Originations fell 7% to 796, while similar lenders grew 8%. Its count rose from 239 in 2021 to 706 in 2022 and 855 in 2024. Its dollar volume still rose, to $128.5 million from $101.8 million, as its typical loan grew; a pause after three years of rising counts is one possible reading.
Questions the data can answer next
- Which counties account for its gains in Gadsden and its entry into Mobile?
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
796 loans in 2025, against a peak of 855 in 2024.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Family Savings Credit Union took 1,003 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
45.0% of its 2025 loans were other loans; 100.0% were Conventional.
Other 45.0% · Refinance 36.1% · Home improvement 11.6% · Purchase 7.4%
Conventional 100.0% · of 796 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
5 states, 17 metros, 43 counties
| State | Loans | Share |
|---|---|---|
| Alabama | 439 | 55.2% |
| Georgia | 351 | 44.1% |
| Tennessee | 4 | 0.5% |
| Florida | 1 | 0.1% |
| Illinois | 1 | 0.1% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Marietta | 213 |
| Gadsden | 154 |
| Birmingham | 13 |
| Rome | 13 |
| Anniston-Oxford | 11 |
| Atlanta-Sandy Springs-Roswell | 9 |
| Huntsville | 5 |
| Chattanooga | 4 |
| Daphne-Fairhope-Foley | 4 |
| Mobile | 4 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300QWWDI5EBFCNL02 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 377186 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 524665 | 2003–2012 |
| Respondent ID (the HMDA filer code before 2018) | 568628 | 2013–2017 |
Established 1 January 1951. Reported under HMDA 2003-2025.
Mergers, name changes, data editions and corrections: Family Savings Credit Union's data.
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