FAMILY SAVINGS CREDIT UNION
FAMILY SAVINGS CREDIT UNION received 1,003 applications in 2025 and made 796 mortgages, in 48 counties across 5 states. The median rate its borrowers got was 7.750% on a median loan of $95,000. Of 987 decisions, 115 were denials — 11.7%, most often for credit history.
| Legal Entity Identifier | 549300QWWDI5EBFCNL02 |
|---|---|
| Applications received | 1,003 |
| Mortgages made | 796 |
| Denied | 115 |
| Approved, not taken up | 76 |
| Withdrawn or incomplete | 16 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.855 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 | 59 | 6.500% | $175,000 | 0.0% |
| Refinancing | 44 | 6.500% | $145,000 | 16.7% |
| Cash-out refinancing | 243 | 6.500% | $145,000 | 7.0% |
| Other purposes | 450 | 8.000% | $65,000 | 14.5% |
Where FAMILY SAVINGS CREDIT UNION lends most
The 48 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Etowah County, AL | 154 | 7.750% | 12.3% |
| Marshall County, AL | 140 | 6.500% | 1.4% |
| Bartow County, GA | 124 | 8.000% | 16.5% |
| DeKalb County, AL | 60 | 6.500% | 1.6% |
| Polk County, GA | 59 | 8.000% | 15.6% |
| Paulding County, GA | 58 | 8.000% | 12.8% |
| Gordon County, GA | 45 | 8.000% | 16.9% |
| Cherokee County, AL | 18 | 6.500% | 9.5% |
| Jackson County, AL | 18 | 7.625% | 17.4% |
| Cobb County, GA | 15 | 8.000% | 0.0% |
| Floyd County, GA | 13 | 8.000% | 36.0% |
| Haralson County, GA | 12 | 7.625% | 7.1% |
| Calhoun County, AL | 11 | 7.750% | 17.7% |
| St. Clair County, AL | 9 | Under 10 loans | 10.0% |
| Madison County, AL | 5 | Under 10 loans | 16.7% |
| Baldwin County, AL | 4 | Under 10 loans | 0.0% |
| Cleburne County, AL | 4 | Under 10 loans | 0.0% |
| Mobile County, AL | 4 | Under 10 loans | 0.0% |
| Carroll County, GA | 4 | Under 10 loans | 16.7% |
| Cherokee County, GA | 4 | Under 10 loans | 0.0% |
| Cullman County, AL | 3 | Under 10 loans | 0.0% |
| Lee County, AL | 3 | Under 10 loans | 0.0% |
| Murray County, GA | 3 | Under 10 loans | 0.0% |
| Blount County, AL | 2 | Under 10 loans | 0.0% |
| Dade County, GA | 2 | Under 10 loans | 33.3% |
| Douglas County, GA | 2 | Under 10 loans | 0.0% |
| Walker County, GA | 2 | Under 10 loans | 25.0% |
| Grainger County, TN | 2 | Under 10 loans | 0.0% |
| Sevier County, TN | 2 | Under 10 loans | 0.0% |
| Shelby County, AL | 1 | Under 10 loans | 0.0% |
| Talladega County, AL | 1 | Under 10 loans | 0.0% |
| Tuscaloosa County, AL | 1 | Under 10 loans | 0.0% |
| Walker County, AL | 1 | Under 10 loans | 0.0% |
| Bay County, FL | 1 | Under 10 loans | 0.0% |
| Chattooga County, GA | 1 | Under 10 loans | 66.7% |
| Clayton County, GA | 1 | Under 10 loans | 0.0% |
| Fannin County, GA | 1 | Under 10 loans | 0.0% |
| Fulton County, GA | 1 | Under 10 loans | 50.0% |
| Habersham County, GA | 1 | Under 10 loans | 0.0% |
| Hall County, GA | 1 | Under 10 loans | 0.0% |
| Lumpkin County, GA | 1 | Under 10 loans | 0.0% |
| Monroe County, GA | 1 | Under 10 loans | 0.0% |
| Brown County, IL | 1 | Under 10 loans | 0.0% |
| Tallapoosa County, AL | 0 | Under 10 loans | 0.0% |
| Marion County, FL | 0 | Under 10 loans | 0.0% |
| Catoosa County, GA | 0 | Under 10 loans | 0.0% |
| Gilmer County, GA | 0 | Under 10 loans | 0.0% |
| Gwinnett County, GA | 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.