ACIPCO Federal Credit Union
ACIPCO Federal Credit Union received 53 applications in 2025 and made 50 mortgages, in 15 counties across 5 states. The median rate its borrowers got was 6.950% on a median loan of $225,000. Of 53 decisions, 3 were denials — 5.7%, most often for debt-to-income ratio.
| Legal Entity Identifier | 254900OYJ23M4J7IJI76 |
|---|---|
| Applications received | 53 |
| Mortgages made | 50 |
| Denied | 3 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 0 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.222 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 30 | 6.950% | $225,000 | 0.0% |
| Refinancing | 15 | 6.950% | $135,000 | 6.3% |
| Cash-out refinancing | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Other purposes | 3 | Under 10 loans | Under 10 loans | 40.0% |
Where ACIPCO Federal Credit Union lends most
The 15 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Jefferson County, AL | 22 | 7.000% | 8.3% |
| Shelby County, AL | 6 | Under 10 loans | 0.0% |
| Walker County, AL | 4 | Under 10 loans | 0.0% |
| Blount County, AL | 3 | Under 10 loans | 0.0% |
| Cullman County, AL | 3 | Under 10 loans | 0.0% |
| Tuscaloosa County, AL | 3 | Under 10 loans | 0.0% |
| St. Clair County, AL | 2 | Under 10 loans | 0.0% |
| Cherokee County, AL | 1 | Under 10 loans | 0.0% |
| Mobile County, AL | 1 | Under 10 loans | 0.0% |
| Talladega County, AL | 1 | Under 10 loans | 0.0% |
| Winston County, AL | 1 | Under 10 loans | 0.0% |
| Larimer County, CO | 1 | Under 10 loans | 0.0% |
| Sumter County, FL | 1 | Under 10 loans | 0.0% |
| Williamson County, TN | 1 | Under 10 loans | 0.0% |
| Lee County, MS | 0 | Under 10 loans | 100.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.