Applications / Mortgage Analytics / Lenders / Alabama / Alabama ONE Credit Union
Tuscaloosa, AL · Credit union · NCUA · $1.5 billion assets · 525 loans in 2025
Alabama ONE Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
525
loans originated, 2025
701
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Alabama ONE Credit Union, a Tuscaloosa credit union, made 525 loans in 2025, 86% more than in 2024 and faster growth than nearly all similar lenders, and it gained share in Tuscaloosa, where it ranks 8 of 306.
Originations rose 86%, from 282 to 525, against 5% at similar lenders (credit unions making between half and twice as many loans) and 10% for the whole market. Dollar volume rose less, from $48.1 million to $73.0 million, because its typical loan fell from $155,000 to $95,000. Five years before, in 2020, it made 779 loans.
Refinances made up 40.4% of its loans, purchases 35.2% and other purposes 24.2%. All of its lending was conventional. Manufactured homes were 3.6% of its loans, against 0.3% at peers. Its denial rates were close to peers': 7.6% on purchases against 6.2%, and 19.0% on refinances against 20.0%.
In Tuscaloosa, AL, where it has lent since before 1990, it ranked 8 of 306 lenders with 3.3% of the market, up 0.9 points from 2.4%. First Federal Bank led there. Elsewhere its shares are small: 0.1% in Birmingham and in Montgomery.
LMI (low- and moderate-income) borrowers took 29.2% of its loans, close to peers' 27.4%, and majority-minority areas 15.2%, against 10.8%. Its share in LMI areas, 12.1%, was lower than peers' 15.3%; one possible reason is that many LMI borrowers live outside LMI areas.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Alabama ONE Credit Union took 701 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 40.4% · Purchase 35.2% · Other 24.2% · Home improvement 0.2%
Conventional 100.0% · of 525 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 | 514 | 97.9% |
| Georgia | 6 | 1.1% |
| Mississippi | 4 | 0.8% |
| Florida | 1 | 0.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Tuscaloosa | 322 |
| Birmingham | 36 |
| Montgomery | 10 |
| Mobile | 8 |
| Atlanta-Sandy Springs-Roswell | 4 |
| Daphne-Fairhope-Foley | 4 |
| Anniston-Oxford | 3 |
| Huntsville | 3 |
| Auburn-Opelika | 2 |
| Decatur | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300WOJH0MSG0OIM41 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 561387 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 57476 | 1990–2009 |
| Respondent ID (the HMDA filer code before 2018) | 568595 | 2010–2017 |
Established 1 January 1951. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Alabama ONE Credit Union's data.
Alabama ONE Credit Union's data
$215
Alabama ONE 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.
Buy Alabama ONE Credit Union's data, $215Jenner Mortgage Analytics: all the data
$2,110
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.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]