MAX Credit Union
MAX Credit Union received 1,197 applications in 2025 and made 708 mortgages, in 58 counties across 13 states. The median rate its borrowers got was 4.500% on a median loan of $65,000. Of 973 decisions, 263 were denials — 27.0%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300B8JSCK4ZNVX087 |
|---|---|
| Applications received | 1,197 |
| Mortgages made | 708 |
| Denied | 263 |
| Approved, not taken up | 2 |
| Withdrawn or incomplete | 224 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.181 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 | 123 | 6.375% | $215,000 | 7.5% |
| Refinancing | 28 | 6.188% | $155,000 | 20.0% |
| Cash-out refinancing | 310 | 4.500% | $55,000 | 29.9% |
| Other purposes | 247 | 4.500% | $55,000 | 31.4% |
Where MAX Credit Union lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Montgomery County, AL | 247 | 4.500% | 31.7% |
| Elmore County, AL | 167 | 4.500% | 20.8% |
| Autauga County, AL | 123 | 4.500% | 17.3% |
| Lee County, AL | 73 | 4.500% | 22.3% |
| Pike County, AL | 23 | 4.500% | 41.0% |
| Jefferson County, AL | 7 | Under 10 loans | 22.2% |
| Baldwin County, AL | 5 | Under 10 loans | 16.7% |
| Coffee County, AL | 5 | Under 10 loans | 0.0% |
| Coosa County, AL | 5 | Under 10 loans | 16.7% |
| Lowndes County, AL | 5 | Under 10 loans | 28.6% |
| Chilton County, AL | 4 | Under 10 loans | 42.9% |
| Macon County, AL | 4 | Under 10 loans | 50.0% |
| Dallas County, AL | 3 | Under 10 loans | 40.0% |
| Shelby County, AL | 3 | Under 10 loans | 25.0% |
| Butler County, AL | 2 | Under 10 loans | 50.0% |
| Chambers County, AL | 2 | Under 10 loans | 71.4% |
| Houston County, AL | 2 | Under 10 loans | 33.3% |
| Limestone County, AL | 2 | Under 10 loans | 0.0% |
| Randolph County, AL | 2 | Under 10 loans | 33.3% |
| Russell County, AL | 2 | Under 10 loans | 33.3% |
| Tallapoosa County, AL | 2 | Under 10 loans | 71.4% |
| Tuscaloosa County, AL | 2 | Under 10 loans | 0.0% |
| Bullock County, AL | 1 | Under 10 loans | 66.7% |
| Cherokee County, AL | 1 | Under 10 loans | 0.0% |
| Clarke County, AL | 1 | Under 10 loans | 0.0% |
| Covington County, AL | 1 | Under 10 loans | 50.0% |
| Crenshaw County, AL | 1 | Under 10 loans | 50.0% |
| Cullman County, AL | 1 | Under 10 loans | 0.0% |
| Dale County, AL | 1 | Under 10 loans | 50.0% |
| Etowah County, AL | 1 | Under 10 loans | 0.0% |
| Hale County, AL | 1 | Under 10 loans | 0.0% |
| Henry County, AL | 1 | Under 10 loans | 0.0% |
| Mobile County, AL | 1 | Under 10 loans | 50.0% |
| Monroe County, AL | 1 | Under 10 loans | 0.0% |
| Talladega County, AL | 1 | Under 10 loans | 0.0% |
| Bay County, FL | 1 | Under 10 loans | 50.0% |
| East Baton Rouge Parish, LA | 1 | Under 10 loans | 0.0% |
| Harrison County, MS | 1 | Under 10 loans | 0.0% |
| Clark County, NV | 1 | Under 10 loans | 0.0% |
| Transylvania County, NC | 1 | Under 10 loans | 0.0% |
| Bibb County, AL | 0 | Under 10 loans | Not published |
| Calhoun County, AL | 0 | Under 10 loans | Not published |
| Cleburne County, AL | 0 | Under 10 loans | 100.0% |
| Escambia County, AL | 0 | Under 10 loans | Not published |
| Madison County, AL | 0 | Under 10 loans | Not published |
| Washington County, AL | 0 | Under 10 loans | 100.0% |
| Okaloosa County, FL | 0 | Under 10 loans | Not published |
| Walton County, FL | 0 | Under 10 loans | Not published |
| Gwinnett County, GA | 0 | Under 10 loans | Not published |
| Meriwether County, GA | 0 | Under 10 loans | Not published |
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When MAX 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.