Alabama Credit Union mortgage approval rate & lending review
Alabama Credit Union decided 370 mortgage applications and funded 313 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Alabama Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Alabama Credit Union at a glance
Approval is 7.3 points above the 78.3% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 98% | 137 / 140 | 99% | $295K | 135 |
| Cash-out refinance | 78% | 74 / 95 | 99% | $205K | 73 |
| Refinance | 77% | 71 / 92 | 99% | $115K | 70 |
Alabama Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Alabama | 85% | $205K | 365 | 308 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Alabama Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Tuscaloosa County, AL | Mortgage lenders | 100% | 45 | 44 |
| Tuscaloosa County, AL | Cash-out refinance | 78% | 36 | 28 |
| Baldwin County, AL | Cash-out refinance | 89% | 27 | 23 |
| Baldwin County, AL | Refinance | 79% | 28 | 22 |
| Tuscaloosa County, AL | Refinance | 74% | 31 | 22 |
The county markets where Alabama Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Alabama Credit Union
What is Alabama Credit Union's mortgage approval rate?
Alabama Credit Union approved 85.7% of the 370 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 7.3 points above the 78.3% national rate for the same mix of loan types.
How often do borrowers take the loan Alabama Credit Union offers?
Borrowers accepted 99% of the loans Alabama Credit Union approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Alabama Credit Union make?
The typical home purchase mortgage loan Alabama Credit Union made was $295K; across all loan types its typical loan ran from $115K to $295K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Alabama Credit Union lend?
Alabama Credit Union decided applications in 2 of the states Fat Boy Data covers, most of them in Alabama and Florida.
Can I apply to Alabama Credit Union directly?
Yes. Alabama Credit Union is a bank or credit union with 39 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Alabama Credit Union's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Alabama Credit Union treats applications, then get a rate quote from the lender.