# ALABAMA CREDIT UNION

> **Canonical URL:** https://saferate.com/lenders/alabama-credit-union


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


ALABAMA CREDIT UNION is a credit union, headquartered in Tuscaloosa, AL, serving borrowers across 2 states, with 102 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 7% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 56% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300XDZHJDR5G01Q52
- **Headquarters:** Tuscaloosa, AL
- **Geographic Reach:** Regional
- **States Served:** 2
- **State List:** AL, FL
- **Markets (MSAs):** 4
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 93/100
- Rating: ●●●●● (5/5)

### Pull Through: Sound ☺️
- Score: 44/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** -0.970%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $421
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 102
- **Dollar Volume:** $29 million
- **Applications Received:** 171
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $288,039
- **Average Borrower Income:** $166,941
- **Average Property Value:** $470,098

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (65%)
- ⭐ **Refinance Gold Superstar** (71%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 45/100 | 99 | -0.965% | $434 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 50 loans, Score: 37/100 (Acceptable)
- Refinance: 49 loans, Score: 60/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 35/100 | 52 | $18M | -1.362% | Acceptable 🙂 |
| Refinance | 58/100 | 50 | $11M | -0.596% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| AL | 100 | 0.17% | 74/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Daphne | AL | 31 | 68/100 |
| Tuscaloosa, AL | AL | 28 | 62/100 |
| Birmingham, AL | AL | 15 | 52/100 |
| Non |  | 11 | 27/100 |

## Where This Lender Ranks

ALABAMA CREDIT UNION appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥈 **#2** in Tuscaloosa, AL
  - [View Full Rankings](https://saferate.com/tuscaloosa-al/best-mortgage-lenders)
- 🥈 **#2** in Tuscaloosa, AL for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/tuscaloosa-al/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥉 **#3** in Daphne for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/daphne/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#7** in Tuscaloosa, AL for Conventional Loans
  - [View Full Rankings](https://saferate.com/tuscaloosa-al/best-mortgage-lenders/conventional-loans)
- 🏆 **#10** in Daphne
  - [View Full Rankings](https://saferate.com/daphne/best-mortgage-lenders)
- 🏆 **#19** in Daphne for Conventional Loans
  - [View Full Rankings](https://saferate.com/daphne/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does ALABAMA CREDIT UNION offer?

ALABAMA CREDIT UNION offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does ALABAMA CREDIT UNION offer mortgages?

ALABAMA CREDIT UNION offers mortgages in 2 states: AL, FL.

### How competitive are ALABAMA CREDIT UNION's mortgage rates?

ALABAMA CREDIT UNION has a pricing score of 93/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.970% below market average.

### What type of lender is ALABAMA CREDIT UNION?

ALABAMA CREDIT UNION is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Tuscaloosa, AL.

### What is ALABAMA CREDIT UNION's loan approval success rate?

ALABAMA CREDIT UNION has a pull-through score of 44/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/alabama-credit-union

### How to Cite

> "ALABAMA CREDIT UNION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/alabama-credit-union

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