A refinance lender
Refinances made up 70.4% of its 71 originations in 2025 and home purchase 23.9%. Every loan was conventional, with no government-backed lending. It serves existing homeowners more than buyers.
Applications / Mortgage Analytics / Lenders / Alabama / Auburn University Credit Union
Auburn University Credit Union
Auburn, AL · Credit union · NCUA · $262 million assets · 71 loans in 2025
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71
loans originated, 2025
95
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Auburn University Credit Union lends mostly to people refinancing homes they already own, and holds a steady place in the Auburn-Opelika market.
Same count, bigger loans
Originations rose 9%, from 65 to 71, close to the 7% at similar lenders (credit unions making between half and twice as many loans). Dollar volume rose faster, from $8.4 million to $13.2 million, as its typical loan went from $75,000 to $125,000. Its yearly count has stayed between 65 and 100 since 2018.
Prices like its peers'
Its typical rate, 6.75%, was the same as at similar lenders. The share of its loans that were higher-priced (a rate well above the average for similar loans) was near the middle of its peers.
An old hand in Auburn
In Auburn-Opelika, AL, its largest market, it ranked 40 of 305 lenders with a 0.6% share, unchanged from the year before. It has lent there since 2000. CMG Mortgage and Truist Bank led that market. It also lends in five other Alabama metros, each with a small share.
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
71 loans in 2025, against a peak of 100 in 2018.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Auburn University Credit Union took 95 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
70.4% of its 2025 loans were refinance loans; all were conventional loans.
Refinance 70.4% · Purchase 23.9% · Home improvement 5.6%
Conventional 100.0% · of 71 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
1 state, 6 metros, 10 counties
| State | Loans | Share |
|---|---|---|
| Alabama | 71 | 100.0% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Auburn-Opelika | 56 |
| Birmingham | 3 |
| Daphne-Fairhope-Foley | 3 |
| Montgomery | 3 |
| Columbus | 1 |
| Dothan | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300GMZQGVLZ5KCW51 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 440183 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 513867 | 2000–2017 |
Established 1 January 1960. Reported under HMDA 2000-2025.
Mergers, name changes, data editions and corrections: Auburn University Credit Union's data.
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Auburn University Credit Union's data
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