REDSTONE Federal Credit Union
REDSTONE Federal Credit Union received 5,400 applications in 2025 and made 3,221 mortgages, in 88 counties across 5 states. The median rate its borrowers got was 8.125% on a median loan of $105,000. Of 4,578 decisions, 1,064 were denials — 23.2%, most often for credit history. 1 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300G6RZM5T8NQJW74 |
|---|---|
| Applications received | 5,400 |
| Mortgages made | 3,221 |
| Denied | 1,064 |
| Approved, not taken up | 293 |
| Withdrawn or incomplete | 822 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.845 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 | 742 | 6.500% | $225,000 | 9.1% |
| Refinancing | 733 | 8.125% | $105,000 | 17.9% |
| Cash-out refinancing | 255 | 6.875% | $135,000 | 30.0% |
| Other purposes | 1,491 | 8.125% | $55,000 | 29.3% |
Where REDSTONE Federal 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 |
|---|---|---|---|
| Madison County, AL | 1,563 | 8.125% | 21.4% |
| Limestone County, AL | 375 | 8.125% | 22.5% |
| Morgan County, AL | 286 | 8.125% | 21.6% |
| Marshall County, AL | 179 | 8.125% | 18.1% |
| Rutherford County, TN | 171 | 8.125% | 31.1% |
| Jackson County, AL | 124 | 8.125% | 21.4% |
| Lincoln County, TN | 105 | 8.000% | 21.6% |
| Cullman County, AL | 56 | 8.125% | 33.7% |
| Lawrence County, AL | 33 | 8.125% | 35.2% |
| DeKalb County, AL | 27 | 7.250% | 21.6% |
| Lauderdale County, AL | 25 | 8.125% | 16.1% |
| Jefferson County, AL | 21 | 7.625% | 37.5% |
| Davidson County, TN | 20 | 8.125% | 41.5% |
| Giles County, TN | 17 | 8.000% | 9.5% |
| Williamson County, TN | 16 | 8.125% | 35.7% |
| Blount County, AL | 13 | 7.625% | 35.0% |
| Franklin County, TN | 13 | 6.875% | 17.7% |
| Lee County, AL | 11 | 7.625% | 7.7% |
| Bedford County, TN | 10 | 8.125% | 37.5% |
| Hamilton County, TN | 10 | 6.813% | 9.1% |
| Wilson County, TN | 10 | 8.000% | 33.3% |
| Maury County, TN | 9 | Under 10 loans | 9.1% |
| Coffee County, TN | 8 | Under 10 loans | 25.0% |
| Marshall County, TN | 8 | Under 10 loans | 11.1% |
| Etowah County, AL | 7 | Under 10 loans | 41.7% |
| Sumner County, TN | 7 | Under 10 loans | 22.2% |
| Baldwin County, AL | 6 | Under 10 loans | 22.2% |
| Calhoun County, AL | 6 | Under 10 loans | 0.0% |
| Cannon County, TN | 6 | Under 10 loans | 36.4% |
| Montgomery County, AL | 5 | Under 10 loans | 0.0% |
| Shelby County, AL | 5 | Under 10 loans | 25.0% |
| Shelby County, TN | 5 | Under 10 loans | 14.3% |
| Mobile County, AL | 4 | Under 10 loans | 20.0% |
| St. Clair County, AL | 4 | Under 10 loans | 0.0% |
| Montgomery County, TN | 4 | Under 10 loans | 20.0% |
| Winston County, AL | 3 | Under 10 loans | 40.0% |
| Warren County, TN | 3 | Under 10 loans | 57.1% |
| Franklin County, AL | 2 | Under 10 loans | 0.0% |
| Houston County, AL | 2 | Under 10 loans | 0.0% |
| Tallapoosa County, AL | 2 | Under 10 loans | 40.0% |
| Tuscaloosa County, AL | 2 | Under 10 loans | 0.0% |
| Bradley County, TN | 2 | Under 10 loans | 60.0% |
| Cheatham County, TN | 2 | Under 10 loans | 33.3% |
| Decatur County, TN | 2 | Under 10 loans | 0.0% |
| Dickson County, TN | 2 | Under 10 loans | 0.0% |
| Knox County, TN | 2 | Under 10 loans | 25.0% |
| Lawrence County, TN | 2 | Under 10 loans | 33.3% |
| Loudon County, TN | 2 | Under 10 loans | 0.0% |
| Marion County, TN | 2 | Under 10 loans | 33.3% |
| Moore County, TN | 2 | Under 10 loans | 33.3% |
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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.