Applications / Mortgage Analytics / Lenders / Alabama / Legacy Community Federal Credit Union
Birmingham, AL · Credit union · NCUA · $734 million assets · 136 loans in 2025
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136
loans originated, 2025
201
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Legacy Community Federal Credit Union, of Birmingham, Alabama, increased its loans by 31% in 2025 and doubled its share of the Birmingham market.
It made 136 loans, up from 104 in 2024. Similar lenders (credit unions making between half and twice as many loans) grew 9% and the whole market 10%, so it grew faster than about three in four of its peers. The value of its loans rose to $29.6 million from $13.7 million, and its typical loan to $130,000 from $75,000. It made 265 loans in 2020.
Home purchase made up 41.2% of its loans, other purposes 27.2%, refinance 23.5% and home improvement 8.1%. All of it was conventional.
In Birmingham, where it has lent since 1993, its share rose 0.2 points to 0.4%, ranking it 60 of 523 lenders. United Wholesale Mortgage and Regions Bank lead that market. In Montgomery its share rose 0.1 points to 0.1%.
Neighborhoods where most residents belong to minorities took 18.4% of its loans, against 9.8% at similar lenders, higher than at about two-thirds of them, though down from 31.7% in 2024. Borrowers with low or moderate incomes (LMI) took 27.6%, near the middle of its 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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Legacy Community Federal Credit Union took 201 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 41.2% · Other 27.2% · Refinance 23.5% · Home improvement 8.1%
Conventional 100.0% · of 136 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 | 136 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Birmingham | 121 |
| Montgomery | 3 |
| Daphne-Fairhope-Foley | 2 |
| Tuscaloosa | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493006JU3IPG0E80D85 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 300399 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 524421 | 1993–2017 |
Established 1 January 1955. Reported under HMDA 1993-2025.
Mergers, name changes, data editions and corrections: Legacy Community Federal Credit Union's data.
Legacy Community Federal Credit Union's data
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Legacy Community Federal 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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