Applications / Mortgage Analytics / Lenders / Alabama / Five Star Credit Union
Dothan, AL · Credit union · NCUA · $1.2 billion assets · 334 loans in 2025
Five Star Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
334
loans originated, 2025
762
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Five Star Credit Union, an Alabama credit union with a large manufactured-home business, made 54% more loans in 2025 than in 2024, far faster than similar lenders.
It made 334 loans, while similar lenders (credit unions making between half and twice as many loans) grew 7%. Its count has more than doubled since 2020, when it made 159. It merged with Five Star Credit Union FKA OneSouth Bank in 2024, which may account for part of the rise.
Manufactured homes made up 22.2% of its loans, against 0.2% at similar lenders, among the highest of them. Refinances were 57.8% of its loans and purchases 40.1%. Its typical loan, $105,000, matched its peers'.
Low- and moderate-income (LMI) neighborhoods took 20.8% of its loans, against 15.6% at similar lenders, and majority-minority areas 24.0%, against 12.3%. Its share to LMI borrowers, 23.4%, was below peers' 27.5%. Its refinance-heavy mix may lean toward existing owners with higher incomes.
In Dothan, AL, which it has served since 1998, it ranked 10 of 222 lenders with 2.5% of the market, up 0.3 points. It first lent in Mobile, AL and Gadsden, AL in 2025.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Five Star Credit Union took 762 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 57.8% · Purchase 40.1% · Home improvement 2.1%
Conventional 100.0% · of 334 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 | 156 | 46.7% |
| Georgia | 142 | 42.5% |
| Florida | 19 | 5.7% |
| Pennsylvania | 1 | 0.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Dothan | 102 |
| Macon-Bibb County | 14 |
| Brunswick-St. Simons | 13 |
| Albany | 8 |
| Warner Robins | 7 |
| Panama City-Panama City Beach | 5 |
| Columbus | 3 |
| Valdosta | 3 |
| Atlanta-Sandy Springs-Roswell | 2 |
| Auburn-Opelika | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300IOM384RW3HWE57 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 691583 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 568302 | 1998–2017 |
Established 1 January 1964. Reported under HMDA 1998-2025.
Mergers, name changes, data editions and corrections: Five Star Credit Union's data.
Five Star Credit Union's data
$215
Five Star 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 Five Star 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]