# ALABAMA ONE

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


> **📋 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 ONE is a credit union, headquartered in Tuscaloosa, AL, serving borrowers across 3 states, with 166 loans originated in the most recent reporting period.

**At a Glance:**
- **Approval Rate:** Ranks in the top 40% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300WOJH0MSG0OIM41
- **Headquarters:** Tuscaloosa, AL
- **Geographic Reach:** Regional
- **States Served:** 3
- **State List:** AL, GA, MS
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pull Through: Strong 😀
- Score: 60/100
- Rating: ●●●●○ (4/5)


### Lending Volume
- **Total Loans:** 166
- **Dollar Volume:** $29 million
- **Applications Received:** 199
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $175,542
- **Average Borrower Income:** $106,831
- **Average Property Value:** $115,000

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 60/100 | 166 | - | - | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 165 loans, Score: 62/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 58/100 | 165 | $29M | - | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| AL | 164 | 0.27% | 79/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Tuscaloosa, AL | AL | 89 | 78/100 |
| Non |  | 43 | 46/100 |
| Birmingham, AL | AL | 12 | 47/100 |

## Where This Lender Ranks

ALABAMA ONE appears in the following market rankings:

### Best Overall Mortgage Lenders

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

## Frequently Asked Questions

### What loan types does ALABAMA ONE offer?

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

### Where does ALABAMA ONE offer mortgages?

ALABAMA ONE offers mortgages in 3 states: AL, GA, MS.

### What type of lender is ALABAMA ONE?

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

### What is ALABAMA ONE's loan approval success rate?

ALABAMA ONE has a pull-through score of 60/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

---

## 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-one

### How to Cite

> "ALABAMA ONE Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/alabama-one

---

**[View Interactive Profile →](https://saferate.com/lenders/alabama-one)**