Lender in Alabama · HMDA 2025
Redstone Federal Credit Union mortgages in Alabama
Redstone Federal Credit Union's 2025 home-purchase and refinance lending in Alabama, compared with all lenders in the state.
Redstone Federal Credit Union originated 713 owner-occupied single-family loans in Alabama from 853 completed applications, making it the state's #24 lender by volume.
Its median conventional purchase loan costs were $3,570 versus $4,370 for all Alabama lenders, at a median 30-year fixed rate of 6.625% (Alabama: 6.562%).
Loans in AL
713
of 853 applications
Denial rate
5.3%
Purchase · AL 9.1%
Rate spread
+0.18 pts
Conv. · AL +0.17 pts
Loan amount
$235,000
Purchase · AL $265,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 533 | 496 | 5.3% | 6.625% | +0.18 pts | $3,570 | $235,000 |
| Refinance | 103 | 66 | 34.9% | 6.500% | +0.00 pts | $3,500 | $205,000 |
| Cash-out refinance | 217 | 151 | 29.9% | 6.875% | +0.39 pts | $3,530 | $165,000 |
*Conventional loans only; medians with at least 20 loans.
Alabama counties where Redstone Federal Credit Union ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Jackson County | 2 | 46 | 8.2% |
| Madison County | 3 | 349 | 4.5% |
| Morgan County | 3 | 87 | 5.0% |
| Limestone County | 6 | 103 | 3.6% |
| Marshall County | 6 | 46 | 3.6% |
| Lawrence County | 11 | 8 | 2.4% |
| Cullman County | 13 | 20 | 1.8% |
| DeKalb County | 13 | 16 | 2.3% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology