Mutual Savings Credit Union
Mutual Savings Credit Union received 58 applications in 2025 and made 23 mortgages, in 11 counties across 1 state. The median rate its borrowers got was 5.400% on a median loan of $175,000. Of 43 decisions, 20 were denials — 46.5%, most often for debt-to-income ratio.
| Legal Entity Identifier | 2549008PQJ4J5Z32RI14 |
|---|---|
| Applications received | 58 |
| Mortgages made | 23 |
| Denied | 20 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 15 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -0.716 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 | 10 | 5.250% | $210,000 | 50.0% |
| Refinancing | 6 | Under 10 loans | Under 10 loans | 45.5% |
| Cash-out refinancing | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Other purposes | 5 | Under 10 loans | Under 10 loans | 44.4% |
Where Mutual Savings Credit Union lends most
The 11 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Shelby County, AL | 7 | Under 10 loans | 36.4% |
| Chilton County, AL | 5 | Under 10 loans | 50.0% |
| Jefferson County, AL | 5 | Under 10 loans | 28.6% |
| Coosa County, AL | 2 | Under 10 loans | 0.0% |
| Tuscaloosa County, AL | 2 | Under 10 loans | 50.0% |
| Hale County, AL | 1 | Under 10 loans | 0.0% |
| Montgomery County, AL | 1 | Under 10 loans | 0.0% |
| Autauga County, AL | 0 | Under 10 loans | Not published |
| Colbert County, AL | 0 | Under 10 loans | 100.0% |
| Dallas County, AL | 0 | Under 10 loans | 100.0% |
| Tallapoosa County, AL | 0 | Under 10 loans | 100.0% |
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When Mutual Savings 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.