Applications / Mortgage Analytics / Lenders / Alabama / Alabama Central Credit Union
Birmingham, AL · Credit union · NCUA · $208 million assets · 53 loans in 2025
Alabama Central Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
53
loans originated, 2025
80
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Alabama Central Credit Union's loans rose 56% in 2025, far faster than at similar credit unions, though from a low base.
It made 53 loans, against 34 in 2024. Similar lenders (credit unions making between half and twice as many loans) grew 5% and the market 10%. It is still below the 114 loans of 2022. It filed no report for 2020 and 2021; those are gaps in the record, not years without lending.
Refinances made up 58.5% of its loans and purchases 15.1%. Its typical loan was $135,000, against $95,000 at peers, higher than at about seven in ten. None was higher-priced (a rate well above the average for similar loans), and its typical rate, 6.50%, was a little below peers' 6.75%.
Low- and moderate-income (LMI) neighborhoods took 30.2% of its loans, against 17.7% at peers, more than at about four in five of them. LMI borrowers took 23.5%, against 31.4%, fewer than at about seven in ten. Larger refinances to existing owners are one possible reason.
It has lent in Florence-Muscle Shoals since 1991. It ranked 39 of 220 lenders there with 0.5% of the market, down 0.1 points; with so few loans, a handful either way moves its share. Bank Independent led.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Alabama Central Credit Union took 80 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 58.5% · Purchase 15.1% · Other 13.2% · Home improvement 9.4% · Not applicable 3.8%
Conventional 100.0% · of 53 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 | 52 | 98.1% |
| Florida | 1 | 1.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Florence-Muscle Shoals | 29 |
| Birmingham | 8 |
| Decatur | 3 |
| Tuscaloosa | 3 |
| Crestview-Fort Walton Beach-Destin | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300K6MDR5BGOE0B97 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 468990 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 560712 | 1990–2017 |
Established 1 January 1938. Reported under HMDA 1991-2025.
Mergers, name changes, data editions and corrections: Alabama Central Credit Union's data.
Alabama Central Credit Union's data
$215
Alabama Central 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 Alabama Central 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]