Applications / Mortgage Analytics / Lenders / Alabama / Guardian Credit Union
Prattville, AL · Credit union · NCUA · $1.2 billion assets · 265 loans in 2025
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265
loans originated, 2025
611
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Guardian Credit Union, a refinance lender in Prattville, AL, made 28% fewer loans in 2025 while most similar lenders grew.
Its loans peaked at 494 in 2022 and have fallen every year since, to 265. The drop in 2025 came as similar lenders (credit unions making between half and twice as many loans) grew 6% and the whole market 10%. Its total fell to $38.4 million from $49.1 million. Refinances make up 71.3% of its loans, so it may feel swings in refinance demand more than peers do.
Purchases made up 25.3% of its loans, and all were conventional. Its typical loan was $85,000, lower than at about three in four similar lenders, whose typical loan was $105,000.
In Montgomery, AL, its largest market, its share fell 0.6 points to 1.4% and it ranked 16 of 331 lenders; Guild Mortgage Company led. Its own smaller volume and gains by other lenders are possible reasons. In Birmingham its 0.1% share was unchanged.
Low- and moderate-income (LMI) borrowers took 27.2% of its loans, against 27.6% at similar lenders, and LMI areas 14.4%, against 16.1%. Majority-minority areas took 18.1%, against 12.9%, higher than about six in ten peers.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Guardian Credit Union took 611 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 71.3% · Purchase 25.3% · Other 3.0% · Home improvement 0.4%
Conventional 100.0% · of 265 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 | 264 | 99.6% |
| Florida | 1 | 0.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Montgomery | 183 |
| Birmingham | 26 |
| Auburn-Opelika | 7 |
| Daphne-Fairhope-Foley | 2 |
| Huntsville | 1 |
| Pensacola-Ferry Pass-Brent | 1 |
| Tuscaloosa | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300GLDL4X3U4RFI74 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 612784 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 568374 | 1999–2017 |
Established 1 January 1958. Reported under HMDA 1999-2025.
Mergers, name changes, data editions and corrections: Guardian Credit Union's data.
Guardian Credit Union's data
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Guardian 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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