Applications / Mortgage Analytics / Lenders / Alabama / eCO Credit Union
Birmingham, AL · Credit union · NCUA · $188 million assets · 91 loans in 2025
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91
loans originated, 2025
91
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
eCO Credit Union, a Birmingham, Alabama credit union, doubled its loans in 2025, to 91 from 45, most of them small refinances.
Its rise of 102% was faster than about nineteen in twenty similar lenders (credit unions making between half and twice as many loans), which typically grew 7%. Its 91 loans were its most in any year since 2018. Its lending rose to $11.1 million from $3.9 million.
Refinances made up 78.0% of its loans, all conventional. Its typical loan was $75,000, against $95,000 at similar lenders, smaller than about three in four of them. It is a lender of small refinance loans rather than a home-purchase lender.
Of its loans, 25.9% were in majority-minority areas, against 9.2% at similar lenders, more than about seven in ten of them. It made 37.6% of its loans to low- and moderate-income (LMI) borrowers, against 30.2%, and 19.5% in LMI areas.
It has lent in Birmingham, AL since at least 1990. It ranked 112 of 523 lenders there, with a steady 0.1% share; United Wholesale Mortgage and Regions Bank lead. Its small loans may account for its small share of the market's dollars.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. eCO Credit Union took 91 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 78.0% · Purchase 15.4% · Other 6.6%
Conventional 100.0% · of 91 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 | 85 | 93.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Birmingham | 81 |
| Tuscaloosa | 2 |
| Daphne-Fairhope-Foley | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900QWNWNPOWGOC273 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 758093 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 565464 | 1990–2017 |
Established 1 January 1979. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: eCO Credit Union's data.
eCO Credit Union's data
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eCO 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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