Applications / Mortgage Analytics / Lenders / Alabama / Southern Energy Credit Union
Birmingham, AL · Credit union · NCUA · $3.6 billion assets · 572 loans in 2025
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572
loans originated, 2025
800
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Southern Energy Credit Union is an Alabama credit union whose lending is mostly other-purpose and home-improvement loans, and its originations rose 18% in 2025.
Other-purpose loans were 57.2% of its lending and home improvement 20.3%; purchase and refinance together were under a quarter. Its typical loan was $85,000, against $105,000 at similar lenders (credit unions making between half and twice as many loans), and half the $170,000 of five years before. Its typical rate, 6.00%, was lower than similar lenders', 7.00%.
Originations rose to 572 from 483, higher growth than about seven in ten similar lenders, whose typical change was a rise of 5%. It merged with Mutual Savings Credit Union in 2025, which may account for part of the rise.
It ranked 46 of 523 lenders in Birmingham and 41 of 222 in Dothan, with shares unchanged at 0.5% and 0.7%. It has lent in both since before 1990.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Southern Energy Credit Union took 800 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 57.2% · Home improvement 20.3% · Purchase 12.8% · Refinance 9.8%
Conventional 100.0% · of 572 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 | 469 | 82.0% |
| Georgia | 80 | 14.0% |
| Mississippi | 21 | 3.7% |
| Florida | 2 | 0.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Birmingham | 308 |
| Atlanta-Sandy Springs-Roswell | 49 |
| Dothan | 36 |
| Mobile | 27 |
| Daphne-Fairhope-Foley | 20 |
| Gulfport-Biloxi | 14 |
| Marietta | 9 |
| Tuscaloosa | 7 |
| Auburn-Opelika | 6 |
| Montgomery | 6 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300WC15MLNUIZYR16 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 748692 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 562728 | 1990–2017 |
Established 1 January 1953. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Southern Energy Credit Union's data.
Southern Energy Credit Union's data
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Southern Energy 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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