Applications / Mortgage Analytics / Lenders / Alabama / Valley Credit Union
Tuscumbia, AL · Credit union · NCUA · $110 million assets · 18 loans in 2025
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18
loans originated, 2025
18
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Valley Credit Union is a very small Alabama lender that has filed mortgage reports since 1990 and made 18 loans in 2025.
Valley Credit Union first reported in 1990, when the public data begin. It made 18 loans in 2025, up from 15 in 2024, and 28 in 2022, the most in the years shown. It filed no report for 2020 or 2021; those are gaps in the record, not years without lending, since small lenders need not report.
Similar lenders here are credit unions making between half and twice as many loans. The typical one made 24. Valley Credit Union made fewer loans than about three in four of them. With so few loans, its shares of lending to poorer borrowers or neighborhoods, and its split between refinancing and buying, are too small to read much into.
Its main market is Florence-Muscle Shoals, where it has lent since 1990. It ranked 72nd of 220 lenders there, with 0.2% of the dollars lent, against 0.3% in 2024. Bank Independent and Listerhill Credit Union lead that market. At this size a handful of loans either way is enough to move its share, so the dip says little about its standing. It also lends in Birmingham and in rural Alabama and Mississippi, in five counties in all.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Valley Credit Union took 18 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 72.2% · Purchase 27.8%
Conventional 100.0% · of 18 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 | 17 | 94.4% |
| Mississippi | 1 | 5.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Florence-Muscle Shoals | 12 |
| Birmingham | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300V96JRMDZEWYB09 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 358998 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 560930 | 1990–2017 |
Established 1 January 1956. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Valley Credit Union's data.
Valley Credit Union's data
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Valley 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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