Mostly refinancing
Refinances made up 78.5% of its 2025 loans and purchases 21.5%, all conventional. Its typical loan, $105,000, matched the typical loan among similar lenders (credit unions making between half and twice as many loans).
Applications / Mortgage Analytics / Lenders / Alabama / Coosa Pines Federal Credit Union
Coosa Pines Federal Credit Union
Childersburg, AL · Credit union · NCUA · $400 million assets · 130 loans in 2025
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130
loans originated, 2025
163
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Coosa Pines Federal Credit Union, of Childersburg, Alabama, is a refinance lender of unusual steadiness: it has made between 100 and 130 loans a year since 2018, and 78.5% of its 2025 loans were refinances.
Steady volume
It made 130 loans in 2025, up 7%. Similar lenders grew by 9% and the whole market by 10%, which leaves it near the middle of its peers. Its yearly total has stayed between 100 and 130 since 2018.
More poorer borrowers
Low- and moderate-income (LMI) borrowers took 36.5% of its loans, against 28.9% at similar lenders, more than at about seven in ten of them. That share has climbed from 9.6% in 2020 and 24.6% in 2024. Its share in LMI neighborhoods, 16.9%, was close to peers' 17.3%.
Small shares across Alabama
It ranks 80 of 523 lenders in non-metro Alabama and 164 of 523 in Birmingham, where its share held at 0.1%. It has lent in both since 2005, its first year of reporting. Small shares may simply reflect a lender of its size spread over several markets.
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
130 loans in 2025, its most in any year since 2018.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Coosa Pines Federal Credit Union took 163 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
78.5% of its 2025 loans were refinance loans; all were conventional loans.
Refinance 78.5% · Purchase 21.5%
Conventional 100.0% · of 130 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
1 state, 5 metros, 11 counties
| State | Loans | Share |
|---|---|---|
| Alabama | 130 | 100.0% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Birmingham | 35 |
| Anniston-Oxford | 2 |
| Auburn-Opelika | 1 |
| Gadsden | 1 |
| Tuscaloosa | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300311KRYLZVODK22 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 879381 | 2005–2023 |
| Respondent ID (the HMDA filer code before 2018) | 56774 | 2005–2017 |
Established 1 January 1950. Reported under HMDA 2005-2025.
Mergers, name changes, data editions and corrections: Coosa Pines Federal Credit Union's data.
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