Applications / Mortgage Analytics / Lenders / Alabama / Acipco Federal Credit Union
Birmingham, AL · Credit union · NCUA · $207 million assets · 52 loans in 2025
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52
loans originated, 2025
87
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Acipco Federal Credit Union makes few loans but big ones. Its 52 loans in 2025, mostly for home purchase, were 16% more than in 2024.
Its typical loan was $225,000. At similar lenders (credit unions making between half and twice as many loans) it was $95,000, and Acipco's was higher than at nearly nine in ten of them. So although it made fewer loans than the typical peer, it lent $14.3 million against their $7.3 million. Home purchases made up 61.5% of its loans, and every loan was conventional.
Its loans rose 16%, against 6% at similar lenders and 10% across the market. Yet it is still well short of the 129 loans it made in 2022.
Borrowers with low and moderate incomes (LMI) took 24.0% of its loans, against 31.3% at peers, fewer than at about two-thirds of them. Its larger home-purchase loans may be one reason. In poorer neighborhoods (LMI tracts) its share, 18.0%, matched its peers'. None of its loans was higher-priced (a rate well above the average for similar loans), against 3.1% at peers.
It has lent in Birmingham since 1992. It ranked 126 of 523 lenders there with 0.1% of the market, the same as in 2024. United Wholesale Mortgage and Regions Bank led. Which neighborhoods its purchase loans reach, and how their size compares with other lenders' there, the figures here do not show.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Acipco Federal Credit Union took 87 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 61.5% · Refinance 32.7% · Other 3.8% · Home improvement 1.9%
Conventional 100.0% · of 52 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 | 47 | 90.4% |
| Colorado | 1 | 1.9% |
| Florida | 1 | 1.9% |
| Tennessee | 1 | 1.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Birmingham | 37 |
| Tuscaloosa | 3 |
| Fort Collins-Loveland | 1 |
| Mobile | 1 |
| Nashville-Davidson--Murfreesboro--Franklin | 1 |
| Wildwood-The Villages | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900OYJ23M4J7IJI76 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 806284 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 516500 | 1992–2017 |
Established 1 January 1964. Reported under HMDA 1992-2025.
Mergers, name changes, data editions and corrections: Acipco Federal Credit Union's data.
Acipco Federal Credit Union's data
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Acipco 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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