Applications / Mortgage Analytics / Lenders / Alabama / Listerhill Credit Union
Muscle Shoals, AL · Credit union · NCUA · $1.4 billion assets · 607 loans in 2025
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607
loans originated, 2025
666
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Listerhill Credit Union ranks 2 of 220 lenders in Florence-Muscle Shoals, AL, where its share rose to 7.7% from 4.7% as its home loans grew 38% in 2025.
It made 607 loans, up from 440, against 6% growth for similar lenders (credit unions making between half and twice as many loans) and 10% for the whole market, higher than more than eight in ten of them. Its peak was 949 loans in 2022.
In Florence-Muscle Shoals, AL, where it has lent since before 1990, only Bank Independent made more in loans. Its share held at 0.5% in Decatur, AL and rose to 0.2% from 0.1% in Huntsville, AL.
Refinance was 73.3% of its loans and purchase 26.7%. All its loans were conventional, after small government-backed shares a year before. Its typical rate was 6.00%, against 7.00% for similar lenders, lower than about six in seven of them, and its typical loan, $115,000, was near the middle.
Of its loans, 17.2% were in low- and moderate-income (LMI) tracts, against 15.1%, higher than about two-thirds of similar lenders; its share to LMI borrowers, 25.7%, was near the middle. In majority-minority tracts it was 3.0%, against 11.1%, lower than about three-quarters; the Alabama markets it serves may have few such tracts.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Listerhill Credit Union took 666 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 73.3% · Purchase 26.7%
Conventional 100.0% · of 607 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 | 513 | 84.5% |
| Tennessee | 88 | 14.5% |
| Mississippi | 5 | 0.8% |
| South Carolina | 1 | 0.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Florence-Muscle Shoals | 376 |
| Nashville-Davidson--Murfreesboro--Franklin | 70 |
| Huntsville | 31 |
| Decatur | 18 |
| Birmingham | 3 |
| Tuscaloosa | 2 |
| Charlotte-Concord-Gastonia | 1 |
| Chattanooga | 1 |
| Daphne-Fairhope-Foley | 1 |
| Gadsden | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 2549000VVDQ9NNW01Q23 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 109592 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 563057 | 1990–2017 |
Established 1 January 1952. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Listerhill Credit Union's data.
Listerhill Credit Union's data
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