# REDSTONE Federal Credit Union

> **Canonical URL:** https://saferate.com/lenders/redstone-federal-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


REDSTONE Federal Credit Union is a credit union, headquartered in Huntsville, AL, serving borrowers across 2 states, with 760 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 33% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 36% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300G6RZM5T8NQJW74
- **Headquarters:** Huntsville, AL
- **Geographic Reach:** Regional
- **States Served:** 2
- **State List:** AL, TN
- **Markets (MSAs):** 5
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 67/100
- Rating: ●●●●○ (4/5)

### Pull Through: Strong 😀
- Score: 64/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.209%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,275
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 760
- **Dollar Volume:** $183 million
- **Applications Received:** 1,286
- **Market Share:** 2.00%

## Typical Borrower Profile

- **Average Loan Amount:** $241,197
- **Average Borrower Income:** $110,697
- **Average Property Value:** $333,684

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (70%)
- ⭐ **FHA Gold Superstar** (64%)
- ⭐ **VA Gold Superstar** (64%)
- ⭐ **Purchase Gold Superstar** (70%)
- ⭐ **Refinance Gold Superstar** (64%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 75/100 | 643 | +0.248% | $1,235 | Strong 😀 |
| FHA | 60/100 | 45 | +0.392% | $1,484 | Strong 😀 |
| VA | 70/100 | 61 | -0.373% | $1,463 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 427 loans, Score: 73/100 (Strong)
- Refinance: 216 loans, Score: 78/100 (Strong)

**FHA:**
- Purchase: 37 loans, Score: 59/100 (Sound)

**VA:**
- Purchase: 52 loans, Score: 69/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 70/100 | 526 | $140M | +0.194% | Strong 😀 |
| Refinance | 76/100 | 234 | $43M | +0.239% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| AL | 651 | 1.09% | 92/100 |
| TN | 109 | 0.12% | 65/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Huntsville, AL | AL | 400 | 100/100 |
| Non |  | 174 | 61/100 |
| Decatur, AL | AL | 100 | 98/100 |
| Nashville | TN | 46 | 59/100 |
| Birmingham, AL | AL | 11 | 42/100 |

## Where This Lender Ranks

REDSTONE Federal Credit Union appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Alabama Credit Unions
  - [View Full Rankings](https://saferate.com/alabama/best-mortgage-lenders/credit-unions)
- 🥇 **#1** in Alabama for USDA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/alabama/best-mortgage-lenders/credit-unions/usda-loans)
- 🥇 **#1** in Huntsville, AL for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/huntsville-al/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥇 **#1** in Huntsville, AL for USDA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/huntsville-al/best-mortgage-lenders/credit-unions/usda-loans)
- 🥇 **#1** in Decatur, AL
  - [View Full Rankings](https://saferate.com/decatur-al/best-mortgage-lenders)
- 🥇 **#1** in Decatur, AL for Conventional Loans
  - [View Full Rankings](https://saferate.com/decatur-al/best-mortgage-lenders/conventional-loans)
- 🥇 **#1** in Decatur, AL for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/decatur-al/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥈 **#2** in Alabama
  - [View Full Rankings](https://saferate.com/alabama/best-mortgage-lenders)
- 🥈 **#2** in Alabama for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/alabama/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥈 **#2** in Alabama for FHA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/alabama/best-mortgage-lenders/credit-unions/fha-loans)
- 🥈 **#2** in Huntsville, AL
  - [View Full Rankings](https://saferate.com/huntsville-al/best-mortgage-lenders)
- 🥈 **#2** in Huntsville, AL for Conventional Loans
  - [View Full Rankings](https://saferate.com/huntsville-al/best-mortgage-lenders/conventional-loans)
- 🥈 **#2** in Huntsville, AL for VA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/huntsville-al/best-mortgage-lenders/credit-unions/va-loans)
- 🏆 **#4** in Alabama for Conventional Loans
  - [View Full Rankings](https://saferate.com/alabama/best-mortgage-lenders/conventional-loans)
- 🏆 **#4** in Alabama for VA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/alabama/best-mortgage-lenders/credit-unions/va-loans)
- 🏆 **#6** in Decatur, AL for FHA Loans
  - [View Full Rankings](https://saferate.com/decatur-al/best-mortgage-lenders/fha-loans)
- 🏆 **#6** in Decatur, AL for VA Loans
  - [View Full Rankings](https://saferate.com/decatur-al/best-mortgage-lenders/va-loans)
- 🏆 **#8** in Huntsville, AL for USDA Loans
  - [View Full Rankings](https://saferate.com/huntsville-al/best-mortgage-lenders/usda-loans)
- 🏆 **#16** in Huntsville, AL for FHA Loans
  - [View Full Rankings](https://saferate.com/huntsville-al/best-mortgage-lenders/fha-loans)
- 🏆 **#19** in Alabama for USDA Loans
  - [View Full Rankings](https://saferate.com/alabama/best-mortgage-lenders/usda-loans)

## Frequently Asked Questions

### What loan types does REDSTONE Federal Credit Union offer?

REDSTONE Federal Credit Union 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 REDSTONE Federal Credit Union offer mortgages?

REDSTONE Federal Credit Union offers mortgages in 2 states: AL, TN.

### How competitive are REDSTONE Federal Credit Union's mortgage rates?

REDSTONE Federal Credit Union has a pricing score of 67/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.209% above market average.

### What type of lender is REDSTONE Federal Credit Union?

REDSTONE Federal Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Huntsville, AL.

### What is REDSTONE Federal Credit Union's loan approval success rate?

REDSTONE Federal Credit Union has a pull-through score of 64/100 (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/redstone-federal-credit-union

### How to Cite

> "REDSTONE Federal Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/redstone-federal-credit-union

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