Applications / Mortgage Analytics / Lenders / Alabama / AOD Federal Credit Union / Competition
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
Who AOD Federal Credit Union competes with, by dollars lent in 2025, in its five largest markets and the three it entered most recently. A Pareto chart puts the lenders in order of size and draws their running share, so the reader sees how concentrated each market is: where the line climbs steeply, a few lenders hold most of it.
FIG. 1 — NON-METRO ALABAMA, 2025
AOD Federal Credit Union ranks 198th of 523 lenders in non-metro Alabama, with $3.1M lent: 0.1% of a $3.92B market.
non-metro Alabama is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and AOD Federal Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 29% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 2 — ANNISTON-OXFORD, AL, 2025
AOD Federal Credit Union ranks 32nd of 203 lenders in Anniston-Oxford, AL, with $2.9M lent: 0.8% of a $361.8M market.
Anniston-Oxford, AL is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and AOD Federal Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 45% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 3 — BIRMINGHAM, AL, 2025
AOD Federal Credit Union ranks 251st of 523 lenders in Birmingham, AL, with $1.7M lent: 0.0% of a $7.02B market.
Birmingham, AL is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and AOD Federal Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 33% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 4 — HUNTSVILLE, AL, 2025
AOD Federal Credit Union ranks 255th of 440 lenders in Huntsville, AL, with $840K lent: 0.0% of a $4.63B market.
Huntsville, AL is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and AOD Federal Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 36% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 5 — ATLANTA-SANDY SPRINGS-ALPHARETTA, GA, 2025
AOD Federal Credit Union ranks 727th of 892 lenders in Atlanta-Sandy Springs-Alpharetta, GA, with $505K lent: 0.0% of a $52.32B market.
Atlanta-Sandy Springs-Alpharetta, GA is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and AOD Federal Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 30% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 6 — DAPHNE-FAIRHOPE-FOLEY, AL, 2025
AOD Federal Credit Union ranks 469th of 485 lenders in Daphne-Fairhope-Foley, AL, with $135K lent: 0.0% of a $2.98B market.
Daphne-Fairhope-Foley, AL is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and AOD Federal Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 32% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 7 — AUBURN-OPELIKA, AL, 2025
AOD Federal Credit Union ranks 209th of 305 lenders in Auburn-Opelika, AL, with $345K lent: 0.0% of a $1.58B market.
Auburn-Opelika, AL is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and AOD Federal Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 41% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 8 — GADSDEN, AL, 2025
AOD Federal Credit Union ranks 133rd of 190 lenders in Gadsden, AL, with $250K lent: 0.1% of a $438.6M market.
Gadsden, AL is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and AOD Federal Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 44% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
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