Applications / Mortgage Analytics / Lenders / Alabama / Family Security Credit Union
Decatur, AL · Credit union · NCUA · $1.1 billion assets · 80 loans in 2025
Family Security Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
80
loans originated, 2025
144
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Family Security Credit Union, an Alabama credit union, lends to poorer households more often than about nineteen in twenty similar credit unions, and its lending grew 27% in 2025.
53.8% of its loans went to low- and moderate-income (LMI) borrowers, against 30.6% at similar lenders, credit unions making between half and twice as many loans. A year earlier the share was 37.3%. With 80 loans, a handful can move it by several points.
Its loans rose 27% to 80, while similar lenders grew 6% and the whole market 10%; it grew faster than about seven in ten of them. It is still at about half the 157 loans it made in 2021.
Refinances made up 56.3% of its loans, all conventional. Its typical rate, 5.84%, was lower than at about nine in ten similar lenders, and its typical loan, $110,000, was a little above their $95,000.
In Decatur, its largest market, it ranked 39 of 240 lenders with 0.7% of the market. Elsewhere in Alabama its shares are very small.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Family Security Credit Union took 144 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 56.3% · Purchase 27.5% · Home improvement 11.3% · Other 5.0%
Conventional 100.0% · of 80 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 | 79 | 98.8% |
| Mississippi | 1 | 1.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Decatur | 38 |
| Huntsville | 10 |
| Birmingham | 6 |
| Daphne-Fairhope-Foley | 3 |
| Gadsden | 1 |
| Gulfport-Biloxi | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900R7YE9RG1CL6U13 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 462699 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 560605 | 1991–2017 |
Established 1 January 1953. Reported under HMDA 1991-2025.
Mergers, name changes, data editions and corrections: Family Security Credit Union's data.
Family Security Credit Union's data
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Family Security 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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