Applications / Mortgage Analytics / Lenders / Alabama / MAX Credit Union
Montgomery, AL · Credit union · NCUA · $2.3 billion assets · 708 loans in 2025
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708
loans originated, 2025
1,197
applications, 2025
6
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
MAX Credit Union is an Alabama credit union making small refinance and home-improvement loans, which ranked 10 of 331 lenders in Montgomery in 2025.
Refinances were 47.7% of its lending, home improvement 34.9% and home purchases 17.4%. Its typical loan, $65,000, was smaller than at nearly all similar lenders (credit unions making between half and twice as many loans), against $105,000, and 0.0% of its loans were higher-priced (a rate well above the average for similar loans), against 1.6%.
Originations fell 7% to 708, while peers' rose 7% and the whole market's 10%. Its volume has moved widely since 2020, from 867 loans that year to 169 in 2023 and 763 in 2024, so one year's change says little on its own.
Majority-minority areas took 23.0% of its loans, against 10.4%, higher than at about seven in ten peers. LMI (low- and moderate-income) borrowers took 27.3%, the same as peers, and LMI areas 14.6%, against 15.1%. The make-up of Montgomery and its other Alabama markets is a possible reason.
It has lent in Montgomery since before 1990, ranking 10 of 331 with a share up 0.1 points to 2.9%. In Auburn-Opelika its share fell to 1.2% from 1.6%, ranking 23 of 305; its lower volume overall is a 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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. MAX Credit Union took 1,197 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 47.7% · Home improvement 34.9% · Purchase 17.4%
Conventional 100.0% · of 708 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 | 703 | 99.3% |
| Florida | 1 | 0.1% |
| Louisiana | 1 | 0.1% |
| Mississippi | 1 | 0.1% |
| North Carolina | 1 | 0.1% |
| Nevada | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Montgomery | 542 |
| Auburn-Opelika | 77 |
| Birmingham | 14 |
| Daphne-Fairhope-Foley | 5 |
| Dothan | 3 |
| Tuscaloosa | 3 |
| Columbus | 2 |
| Huntsville | 2 |
| Baton Rouge | 1 |
| Gadsden | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300B8JSCK4ZNVX087 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 739083 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 510391 | 1990–2007 |
| Respondent ID (the HMDA filer code before 2018) | 568575 | 2008–2017 |
Established 1 January 1955. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: MAX Credit Union's data.
MAX Credit Union's data
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MAX 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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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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