A long record, a small book
The credit union first reported in 1991. It made 40 loans in 2020, its most since 2018, and has held between 14 and 17 a year since 2023. It works in one metro and three counties, all in Alabama.
Applications / Mortgage Analytics / Lenders / Alabama / Jefferson Credit Union
Jefferson Credit Union
Hoover, AL · Credit union · NCUA · $92.8 million assets · 15 loans in 2025
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15
loans originated, 2025
18
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Jefferson Credit Union is a small home lender around Birmingham, with a record going back to 1991 and 15 loans in 2025.
Shrinking with its peers
Its loans fell 12% in 2025, close to the 13% fall at similar lenders, which here means credit unions making between half and twice as many loans. The whole market grew 10% in the same year. It made fewer loans than about four in five of those peers, so a dip of two loans moves the figures a lot.
A minor player in Birmingham
In the Birmingham market it ranked 264 of 523 lenders by dollars lent, with a share too small to show. The market's biggest lenders were United Wholesale Mortgage and Regions Bank.
Too few loans to compare
With 15 loans, its borrowers' incomes, its neighborhoods, its loan sizes and its rate are too few to read much into. A comparison with peers on any of them would rest on two or three loans either way. Its record before 2025 is no larger: it has not made more than 40 loans in any year since 2018.
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
15 loans in 2025, against a peak of 40 in 2020.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Jefferson Credit Union took 18 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
66.7% of its 2025 loans were refinance loans; all were conventional loans.
Refinance 66.7% · Purchase 26.7% · Home improvement 6.7%
Conventional 100.0% · of 15 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, 1 metro, 3 counties
| State | Loans | Share |
|---|---|---|
| Alabama | 15 | 100.0% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Birmingham | 13 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 2549008W3O3PXWF90U35 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 722692 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 563834 | 1991–2017 |
Established 1 January 1941. Reported under HMDA 1991-2025.
Mergers, name changes, data editions and corrections: Jefferson Credit Union's data.
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