AlaTrust Credit Union
AlaTrust Credit Union received 191 applications in 2025 and made 85 mortgages, in 25 counties across 4 states. The median rate its borrowers got was 7.000% on a median loan of $75,000. Of 162 decisions, 77 were denials — 47.5%, most often for debt-to-income ratio. 3 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 2549009IIR21WKPEE762 |
|---|---|
| Applications received | 191 |
| Mortgages made | 85 |
| Denied | 77 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 29 |
| Loans bought from other lenders | 1 |
| Median rate spread over the prime offer rate | -2.3 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 | 7 | Under 10 loans | Under 10 loans | 36.4% |
| Refinancing | 20 | 7.375% | $85,000 | 44.4% |
| Cash-out refinancing | 8 | Under 10 loans | Under 10 loans | 75.0% |
| Other purposes | 50 | 6.750% | $55,000 | 39.8% |
Where AlaTrust Credit Union lends most
The 25 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 | 30 | 6.750% | 50.0% |
| Shelby County, AL | 13 | 7.250% | 27.8% |
| Walker County, AL | 11 | 7.000% | 50.0% |
| Calhoun County, AL | 7 | Under 10 loans | 72.0% |
| St. Clair County, AL | 5 | Under 10 loans | 28.6% |
| Talladega County, AL | 4 | Under 10 loans | 63.6% |
| Clay County, AL | 2 | Under 10 loans | 0.0% |
| Fayette County, AL | 2 | Under 10 loans | 0.0% |
| Montgomery County, AL | 2 | Under 10 loans | 33.3% |
| Bibb County, AL | 1 | Under 10 loans | 0.0% |
| Cleburne County, AL | 1 | Under 10 loans | 0.0% |
| Cullman County, AL | 1 | Under 10 loans | 0.0% |
| Etowah County, AL | 1 | Under 10 loans | 0.0% |
| Greene County, AL | 1 | Under 10 loans | 0.0% |
| Lauderdale County, AL | 1 | Under 10 loans | 0.0% |
| Lee County, AL | 1 | Under 10 loans | 0.0% |
| Madison County, AL | 1 | Under 10 loans | 0.0% |
| Tuscaloosa County, AL | 1 | Under 10 loans | 0.0% |
| Blount County, AL | 0 | Under 10 loans | 100.0% |
| Elmore County, AL | 0 | Under 10 loans | Not published |
| Hale County, AL | 0 | Under 10 loans | 100.0% |
| Tallapoosa County, AL | 0 | Under 10 loans | Not published |
| Fulton County, GA | 0 | Under 10 loans | 100.0% |
| Beaufort County, SC | 0 | Under 10 loans | Not published |
| Hardin County, TN | 0 | Under 10 loans | Not published |
Get told when this changes
When AlaTrust Credit Union’s figures are published for the next year, or restated.
Double opt-in, one click to unsubscribe. We never sell or share the list, and we are not a lender, a broker or a lead generator: this is a notification about published data, not a sales call. Privacy.
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.