ALABAMA STATE EMPLOYEES CREDIT UNION
ALABAMA STATE EMPLOYEES CREDIT UNION received 115 applications in 2025 and made 114 mortgages, in 18 counties across 1 state. The median rate its borrowers got was 6.500% on a median loan of $65,000. Of 115 decisions, 1 were denials — 0.9%. 4 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300IL6X4MHW0HHI39 |
|---|---|
| Applications received | 115 |
| Mortgages made | 114 |
| Denied | 1 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 0 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.485 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 | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Refinancing | 14 | 5.250% | $95,000 | 0.0% |
| Cash-out refinancing | 25 | 6.625% | $75,000 | 0.0% |
| Other purposes | 69 | 6.750% | $55,000 | 1.4% |
Where ALABAMA STATE EMPLOYEES CREDIT UNION lends most
The 18 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Elmore County, AL | 39 | 6.500% | 0.0% |
| Montgomery County, AL | 29 | 6.500% | 0.0% |
| Autauga County, AL | 12 | 7.250% | 0.0% |
| Chilton County, AL | 6 | Under 10 loans | 0.0% |
| Dallas County, AL | 5 | Under 10 loans | 0.0% |
| Butler County, AL | 3 | Under 10 loans | 0.0% |
| Tallapoosa County, AL | 3 | Under 10 loans | 0.0% |
| Jefferson County, AL | 2 | Under 10 loans | 0.0% |
| Lee County, AL | 2 | Under 10 loans | 0.0% |
| Shelby County, AL | 2 | Under 10 loans | 0.0% |
| Baldwin County, AL | 1 | Under 10 loans | 0.0% |
| Bibb County, AL | 1 | Under 10 loans | 0.0% |
| Conecuh County, AL | 1 | Under 10 loans | 0.0% |
| Coosa County, AL | 1 | Under 10 loans | 0.0% |
| Crenshaw County, AL | 1 | Under 10 loans | 0.0% |
| Escambia County, AL | 1 | Under 10 loans | 0.0% |
| Lowndes County, AL | 1 | Under 10 loans | 0.0% |
| Marengo County, AL | 1 | Under 10 loans | 0.0% |
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When ALABAMA STATE EMPLOYEES CREDIT UNION’s figures are published for the next year, or restated.
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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.