Family Security Credit Union
Family Security Credit Union received 144 applications in 2025 and made 80 mortgages, in 26 counties across 3 states. The median rate its borrowers got was 5.840% on a median loan of $110,000. Of 128 decisions, 48 were denials — 37.5%, most often for debt-to-income ratio.
| Legal Entity Identifier | 254900R7YE9RG1CL6U13 |
|---|---|
| Applications received | 144 |
| Mortgages made | 80 |
| Denied | 48 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 16 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.043 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 | 22 | 5.965% | $185,000 | 35.3% |
| Refinancing | 21 | 5.940% | $85,000 | 22.2% |
| Cash-out refinancing | 24 | 5.740% | $105,000 | 54.7% |
| Other purposes | 13 | 6.240% | $55,000 | 7.1% |
Where Family Security Credit Union lends most
The 26 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Morgan County, AL | 30 | 5.740% | 30.2% |
| Lawrence County, AL | 8 | Under 10 loans | 20.0% |
| Marshall County, AL | 7 | Under 10 loans | 36.4% |
| Cullman County, AL | 6 | Under 10 loans | 40.0% |
| Limestone County, AL | 5 | Under 10 loans | 37.5% |
| Madison County, AL | 5 | Under 10 loans | 58.3% |
| Jefferson County, AL | 4 | Under 10 loans | 20.0% |
| Baldwin County, AL | 3 | Under 10 loans | 0.0% |
| Clarke County, AL | 2 | Under 10 loans | 0.0% |
| Blount County, AL | 1 | Under 10 loans | 50.0% |
| Dallas County, AL | 1 | Under 10 loans | 0.0% |
| Etowah County, AL | 1 | Under 10 loans | 50.0% |
| Franklin County, AL | 1 | Under 10 loans | 50.0% |
| Jackson County, AL | 1 | Under 10 loans | 66.7% |
| Shelby County, AL | 1 | Under 10 loans | 0.0% |
| Washington County, AL | 1 | Under 10 loans | 50.0% |
| Wilcox County, AL | 1 | Under 10 loans | 0.0% |
| Winston County, AL | 1 | Under 10 loans | 50.0% |
| Jackson County, MS | 1 | Under 10 loans | 0.0% |
| Cherokee County, AL | 0 | Under 10 loans | Not published |
| Choctaw County, AL | 0 | Under 10 loans | 100.0% |
| Colbert County, AL | 0 | Under 10 loans | 100.0% |
| DeKalb County, AL | 0 | Under 10 loans | 100.0% |
| Lauderdale County, AL | 0 | Under 10 loans | 100.0% |
| Mobile County, AL | 0 | Under 10 loans | 100.0% |
| Lincoln County, TN | 0 | Under 10 loans | Not published |
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When Family Security 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.