Applications / Mortgage Analytics / Lenders / Alabama / Alabama Credit Union
Tuscaloosa, AL · Credit union · NCUA · $2.1 billion assets · 116 loans in 2025
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116
loans originated, 2025
199
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Alabama Credit Union makes bigger loans than nearly all similar credit unions: its typical loan in 2025 was $255,000, against $105,000 at its peers.
Its typical loan was more than double that at similar lenders, credit unions making between half and twice as many loans, and larger than at more than nine in ten of them. With 116 loans it lent $34.0 million, against their $15.3 million. Refinancing made up 40.5% of its loans and purchases 37.9%.
Its typical rate was 5.75%, against 6.75% at similar lenders, among the lowest tenth. Every loan was conventional.
It made 116 loans, the same as in 2024, while similar lenders grew by 8%. In Tuscaloosa it ranked 29 of 306 lenders, and its share fell to 0.7% from 0.9%. In Daphne-Fairhope-Foley it ranked 71 of 485, with its share down to 0.3% from 0.4%. With few, large loans, a handful more or less moves its share.
Poorer neighborhoods (low- and moderate-income, or LMI, tracts) took 7.9% of its loans, against 17.2% at similar lenders, lower than at about nine in ten. LMI borrowers took 22.6%, against 29.3%. Its larger purchase and refinance loans may be one reason; where its members live, across its 25 counties, may be another.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Credit Union took 199 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 40.5% · Purchase 37.9% · Home improvement 19.0% · Not applicable 2.6%
Conventional 100.0% · of 116 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 | 115 | 99.1% |
| Florida | 1 | 0.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Tuscaloosa | 34 |
| Daphne-Fairhope-Foley | 29 |
| Birmingham | 22 |
| Huntsville | 7 |
| Mobile | 4 |
| Decatur | 2 |
| Florence-Muscle Shoals | 2 |
| Auburn-Opelika | 1 |
| Dothan | 1 |
| Pensacola-Ferry Pass-Brent | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300XDZHJDR5G01Q52 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 253392 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 560823 | 1993–2017 |
Established 1 January 1956. Reported under HMDA 1993-2025.
Mergers, name changes, data editions and corrections: Alabama Credit Union's data.
Alabama Credit Union's data
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Alabama 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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