# ALABAMA TEACHERS CREDIT UNION

> **Canonical URL:** https://saferate.com/lenders/alabama-teachers-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 TEACHERS CREDIT UNION is a credit union, headquartered in Gadsden, AL, with 84 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 83% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 73% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 5493008YZRSEXRIR3I97
- **Headquarters:** Gadsden, AL
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** AL
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 98.9%
- **Brokered/Wholesale:** 1.1%

## Safe Rate Ratings

### Pricing: Mediocre 😐
- Score: 17/100
- Rating: ●○○○○ (1/5)

### Pull Through: Acceptable 🙂
- Score: 27/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** +0.609%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $997
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 84
- **Dollar Volume:** $19 million
- **Applications Received:** 176
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $225,238
- **Average Borrower Income:** $124,179
- **Average Property Value:** $318,571

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 53/100 | 82 | +0.609% | $997 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 43 loans, Score: 47/100 (Sound)
- Refinance: 39 loans, Score: 60/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 43/100 | 43 | $8M | +0.572% | Sound ☺️ |
| Refinance | 60/100 | 41 | $11M | +0.868% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| AL | 84 | 0.14% | 72/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Gadsden, AL | AL | 46 | 92/100 |
| Non |  | 23 | 39/100 |
| Anniston | AL | 11 | 51/100 |

## Where This Lender Ranks

ALABAMA TEACHERS CREDIT UNION appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥈 **#2** in Anniston for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/anniston/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#14** in Gadsden, AL
  - [View Full Rankings](https://saferate.com/gadsden-al/best-mortgage-lenders)
- 🏆 **#15** in Anniston for Conventional Loans
  - [View Full Rankings](https://saferate.com/anniston/best-mortgage-lenders/conventional-loans)
- 🏆 **#20** in Gadsden, AL for Conventional Loans
  - [View Full Rankings](https://saferate.com/gadsden-al/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

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

ALABAMA TEACHERS 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 TEACHERS CREDIT UNION offer mortgages?

ALABAMA TEACHERS CREDIT UNION offers mortgages in 1 states: AL.

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

ALABAMA TEACHERS CREDIT UNION has a pricing score of 17/100 (Mediocre), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.609% above market average.

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

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

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

ALABAMA TEACHERS CREDIT UNION has a pull-through score of 27/100 (Acceptable). 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-teachers-credit-union

### How to Cite

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

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