What loan types does Alabama Credit Union offer?

Alabama Credit Union offers the following mortgage loan types: Conventional. Each product has its own pricing score and performance metrics.

Where does Alabama Credit Union offer mortgages?

Alabama Credit Union offers mortgages in 2 states: AL, FL.

How competitive are Alabama Credit Union's mortgage rates?

Alabama Credit Union has an overall pricing score of 92.5/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Alabama Credit Union?

Alabama Credit Union is a Credit Union headquartered in Tuscaloosa, AL.

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Alabama Credit Union

Credit Union•Tuscaloosa, ALHQ•Direct•Reviews near you on Google

Alabama Credit Union has 102 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Exceptional

5/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Sound

3/5

Conventional

Place

Strong

4/5

Regional · 3 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

Conventional

Superstar

Refinance

Superstar

Summary

What They Do Well

Offers rates 97.00 basis points below market average
Lower than average lender fees

Explore another lender or local market

Report Card

Alabama Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Exceptional

Rates 97.0 bps below market avg

5/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

99 loans · 0.96% below market

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Purchase

52 loans · 1.36% below market

Acceptable

Bottom 40% of lenders

2/5

Refinance

50 loans · 0.60% below market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Regional · 4 markets

Sound

Top 60% of lenders

3/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Strong	Sound	Exceptional	Sound	99	97.1%	-0.965%Below	$434Fees

Conventional

Overall

Strong

Product

Sound

Pricing

Exceptional

Pull Through

Sound

Volume99

Mix97.1%

Spread

-0.965%Below

Fees

$434Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Acceptable	Exceptional	Acceptable	52	51.0%	-1.362%Below	$392Fees
Refinance	Strong	Sound	Exceptional	Strong	50	49.0%	-0.596%Below	$448Fees

Purchase

Overall

Sound

Product

Acceptable

Pricing

Exceptional

Pull Through

Acceptable

Volume52

Mix51.0%

Spread

-1.362%Below

Fees

$392Fees

Refinance

Overall

Strong

Product

Sound

Pricing

Exceptional

Pull Through

Strong

Volume50

Mix49.0%

Spread

-0.596%Below

Fees

$448Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

102

Applications

171

Volume

$29 million

Pricing & Closing

Avg Rate Spread

-0.970%

vs. market APOR

Avg Net Fees

$421

Origination − Credits

Pullthrough Rate

59.6%

Applications → Closed

Typical Borrower

Avg Loan Amount

$288,039

Avg Borrower Income

$166,941

Avg Property Value

$470,098

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

2Full-year 2024 · HMDA

Loans originated

All statesNone

South2

ALFL

Top Metro Areas by Place Specialization Score

Daphne, ALMetro

Volume 31Mix 30.39% of portfolio

68/100

Strong

Tuscaloosa, ALMetro

Volume 28Mix 27.45% of portfolio

62/100

Strong

Birmingham, ALMetro

Volume 15Mix 14.71% of portfolio

52/100

Sound

Top States by Place Specialization Score

AlabamaState

Volume 100Mix 98.04% of portfolio

74/100

Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.