Applications / Mortgage Analytics / Lenders / Alabama / AlaTrust Credit Union
Hoover, AL · Credit union · NCUA · $213 million assets · 94 loans in 2025
AlaTrust Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
94
loans originated, 2025
249
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
AlaTrust Credit Union, a small Alabama lender, works mostly with members who already own their homes, and only 12.8% of its 94 loans in 2025 were purchases.
Purchases are a sideline. The biggest group in 2025 was other-purpose loans, at 35.1%, followed by refinances and home improvement. That mix goes with small loans. Its typical loan was $75,000, smaller than at about three in four similar lenders (credit unions making between half and twice as many loans), where it was $97,500.
Its loans rose 11% to 94, a little faster than the 7% at similar lenders and close to the 10% for the whole market. It is still below its recent high of 114 loans, in 2022.
In 2025, 21.3% of its loans were in low- and moderate-income (LMI) areas and 17.0% in majority-minority areas, up from 7.2% in 2024. Both shares were higher than at about two-thirds of similar lenders. Only 15.0% of its loans went to LMI borrowers, among the lowest tenth of its peers. Homeowners borrowing against houses they already have, or the make-up of its membership, may explain that. On 94 loans, a handful of loans moves these shares.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. AlaTrust Credit Union took 249 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 35.1% · Refinance 29.8% · Home improvement 22.3% · Purchase 12.8%
Conventional 97.9% · USDA (RHS or FSA) 2.1% · of 94 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 | 94 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Birmingham | 65 |
| Anniston-Oxford | 10 |
| Montgomery | 2 |
| Tuscaloosa | 2 |
| Auburn-Opelika | 1 |
| Florence-Muscle Shoals | 1 |
| Gadsden | 1 |
| Huntsville | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 2549009IIR21WKPEE762 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 293099 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 560934 | 1990–2017 |
Established 1 January 1935. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: AlaTrust Credit Union's data.
AlaTrust Credit Union's data
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AlaTrust 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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