Applications / Mortgage Analytics / Lenders / Alabama / AOD Federal Credit Union
Oxford, AL · Credit union · NCUA · $453 million assets · 42 loans in 2025
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42
loans originated, 2025
54
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
AOD Federal Credit Union, centered on Anniston-Oxford in Alabama, makes far fewer home loans than it did in 2020, but each one is larger.
It made 42 loans in 2025, against 181 five years before. Refinancing still made up 59.5% of its loans. Its typical rate was 2.99% in 2020 and 5.52% now, and a lender that leans on refinancing feels such a rise. This year it grew 5%, near the 3% at similar lenders (credit unions making between half and twice as many loans).
Its typical loan was $210,000, against $90,000 at similar lenders, higher than more than four in five of them. A year earlier it was $130,000. Its lending rose to $9.8 million from $6.2 million on almost the same number of loans.
Its typical rate was 5.52%, against 6.75% at similar lenders, lower than nearly all of them. In 2024 it was 6.50%.
Only 7.3% of its loans were in poorer neighborhoods (low- and moderate-income, or LMI, tracts), against 17.4% at similar lenders, lower than nearly nine in ten. Its larger loans and its spread across 13 counties may account for some of this. In Anniston-Oxford, AL it ranked 32 of 203 lenders, with 0.8% of lending; Ameris Bank 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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. AOD Federal Credit Union took 54 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 59.5% · Purchase 38.1% · Other 2.4%
Conventional 100.0% · of 42 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 | 41 | 97.6% |
| Georgia | 1 | 2.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Anniston-Oxford | 19 |
| Birmingham | 4 |
| Gadsden | 2 |
| Huntsville | 2 |
| Auburn-Opelika | 1 |
| Daphne-Fairhope-Foley | 1 |
| Marietta | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900N59TICVY7K7T48 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 995384 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 56680 | 1991–2017 |
Established 1 January 1950. Reported under HMDA 1991-2025.
Mergers, name changes, data editions and corrections: AOD Federal Credit Union's data.
AOD Federal Credit Union's data
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AOD 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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