# AVADIAN

> **Canonical URL:** https://saferate.com/lenders/avadian


> **📋 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


AVADIAN is a credit union, headquartered in Hoover, AL, serving borrowers across 5 states, with 299 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 56% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 28% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300FGGERPRKXH7V65
- **Headquarters:** Hoover, AL
- **Geographic Reach:** Regional
- **States Served:** 5
- **State List:** AL, FL, GA, MS, TN
- **Markets (MSAs):** 4
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

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

### Pull Through: Strong 😀
- Score: 72/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.070%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,496
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 299
- **Dollar Volume:** $105 million
- **Applications Received:** 377
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $350,452
- **Average Borrower Income:** $165,742
- **Average Property Value:** $460,705

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 56/100 | 251 | +0.051% | $1,519 | Sound ☺️ |
| FHA | 51/100 | 15 | +0.988% | $1,001 | Sound ☺️ |
| VA | 61/100 | 21 | - | - | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 186 loans, Score: 52/100 (Sound)
- Refinance: 65 loans, Score: 59/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 52/100 | 224 | $74M | +0.091% | Sound ☺️ |
| Refinance | 58/100 | 75 | $31M | -0.074% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| AL | 291 | 0.49% | 85/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Birmingham, AL | AL | 153 | 87/100 |
| Huntsville, AL | AL | 83 | 77/100 |
| Non |  | 21 | 32/100 |
| Dothan, AL | AL | 20 | 61/100 |

## Where This Lender Ranks

AVADIAN appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Birmingham, AL Credit Unions
  - [View Full Rankings](https://saferate.com/birmingham-al/best-mortgage-lenders/credit-unions)
- 🥈 **#2** in Birmingham, AL for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/birmingham-al/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥉 **#3** in Alabama for FHA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/alabama/best-mortgage-lenders/credit-unions/fha-loans)
- 🥉 **#3** in Alabama for VA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/alabama/best-mortgage-lenders/credit-unions/va-loans)
- 🥉 **#3** in Alabama for USDA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/alabama/best-mortgage-lenders/credit-unions/usda-loans)
- 🥉 **#3** in Huntsville, AL for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/huntsville-al/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥉 **#3** in Huntsville, AL for VA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/huntsville-al/best-mortgage-lenders/credit-unions/va-loans)
- 🥉 **#3** in Dothan, AL Credit Unions
  - [View Full Rankings](https://saferate.com/dothan-al/best-mortgage-lenders/credit-unions)
- 🥉 **#3** in Dothan, AL for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/dothan-al/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#4** in Alabama Credit Unions
  - [View Full Rankings](https://saferate.com/alabama/best-mortgage-lenders/credit-unions)
- 🏆 **#5** in Alabama for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/alabama/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#12** in Dothan, AL
  - [View Full Rankings](https://saferate.com/dothan-al/best-mortgage-lenders)
- 🏆 **#13** in Birmingham, AL
  - [View Full Rankings](https://saferate.com/birmingham-al/best-mortgage-lenders)
- 🏆 **#15** in Birmingham, AL for VA Loans
  - [View Full Rankings](https://saferate.com/birmingham-al/best-mortgage-lenders/va-loans)
- 🏆 **#20** in Alabama for Jumbo Loans
  - [View Full Rankings](https://saferate.com/alabama/best-mortgage-lenders/jumbo-loans)
- 🏆 **#20** in Dothan, AL for FHA Loans
  - [View Full Rankings](https://saferate.com/dothan-al/best-mortgage-lenders/fha-loans)

## Frequently Asked Questions

### What loan types does AVADIAN offer?

AVADIAN offers the following mortgage loan types: FHA, Conventional, VA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does AVADIAN offer mortgages?

AVADIAN offers mortgages in 5 states: AL, FL, GA, MS, TN.

### How competitive are AVADIAN's mortgage rates?

AVADIAN has a pricing score of 44/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.070% above market average.

### What type of lender is AVADIAN?

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

### What is AVADIAN's loan approval success rate?

AVADIAN has a pull-through score of 72/100 (Strong). 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/avadian

### How to Cite

> "AVADIAN Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/avadian

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