Name of the lender

Avadian Credit Union in AlabamaMortgage rates, total loan costs and denial rate for homes in Alabama, 2025

HMDA year2025

StateAlabama

Head office: Hoover, AL
Reporting agency: National Credit Union Administration (NCUA)
Legal Entity Identifier (LEI)

All states of this lender

Avadian Credit Union reported 1,325 applications for homes in Alabama in the HMDA data of 2025.

It originated 1,005 loans in the state in 2025, for $159 million in total.

The median interest rate of these loans in 2025 was 6.375%, and the median of all lenders in Alabama was 6.375%.

The median total loan costs in 2025 were $4,973, and the state median was $5,942.

It denied 19.0% of the applications that it decided in the state in 2025, and the state denial rate was 25.0%.

Filed figures of Avadian Credit Union in Alabama, 2025
Figure	In AL	Lender, all states	AL, all lenders
Applications	1,325	1,339	207,840
Loans originated	1,005	1,015	115,118
Median interest rate	6.375%	6.375%	6.375%
Median total loan costs	$4,973	$5,056	$5,942
Denial rate	19.0%	19.0%	25.0%

HMDA data are generally not used alone to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions.
The words of the Consumer Financial Protection Bureau (CFPB). Source: Consumer Financial Protection Bureau, Summary of 2023 Data on Mortgage Lending (11 July 2024), copied on 2 Oct 2026. The figures on this page are from the HMDA data of 2025, the snapshot dataset.

PricingMedians of 2025 loans in AL

Pricing medians of Avadian Credit Union in Alabama, 2025Each value has the median of all lenders in Alabama under it.
Loans	Loans in the medians	Interest rate	Total loan costs	Origination charges	Discount points, of the loans with points	Lender credits, of the loans with credits	Rate spread, points
All loans in AL	275	6.375%AL 6.375%	$4,973AL $5,942	$2,650AL $2,264	$8,597AL $2,420	$32AL $226	n/aAL 0.221

Medians are for originated closed-end loans with a first lien. Reverse mortgages, open-end lines of credit and loans for a business purpose are not in the medians. A median needs 20 loans.

Action taken and loan types

Records in Alabama by the action taken
Action taken	Records	Share
1Loan originated	1,005	75.8%
2Application approved but not accepted	18	1.4%
3Application denied	240	18.1%
4Application withdrawn by applicant	61	4.6%
5File closed for incompleteness	1	0.1%
6Purchased loan	0	0.0%
7Preapproval request denied	0	0.0%
8Preapproval request approved but not accepted	0	0.0%

Applications in Alabama by loan type
Loan type	Applications	Loans originated	Denial rate
Conventional	1,279	974	19.3%
FHA-insured	25	16	n/a
VA-guaranteed	20	14	n/a
USDA Rural Housing Service or Farm Service Agency guaranteed	1	1	n/a

Counties in Alabama

Counties of Avadian Credit Union in Alabama with 25 applications or more, 2025In order of the names.
County	Applications	Loans originated	Amount	Denial rate
Geneva County	27	19	$1.3 million	n/a
Houston County	78	58	$5.5 million	19.2%
Jefferson County	458	330	$45.4 million	22.6%
Limestone County	35	28	$11.7 million	17.6%
Madison County	130	98	$28.6 million	18.9%
Mobile County	32	23	$2.2 million	14.8%
Shelby County	336	284	$39.8 million	13.0%
St. Clair County	41	33	$4.8 million	15.0%

Figures by year

Avadian Credit Union in Alabama by HMDA year"n/a" shows a year with fewer than 25 applications in the state.
Year	Applications	Loans originated	Amount	Median interest rate	Median total loan costs	Denial rate
2025	1,325	1,005	$159 million	6.375%	$4,973	19.0%
2024	1,353	1,004	$159 million	n/a	n/a	20.1%
2023	1,313	1,047	$160 million	n/a	n/a	13.5%
2022	723	531	$52.5 million	n/a	n/a	16.3%

Official channelsLinks checked 2 Oct 2026

HMDA Data Browser (FFIEC and CFPB)The HMDA records of this lender in this state, with a CSV download.
Submit a complaint (Consumer Financial Protection Bureau)The CFPB form for a complaint about a mortgage or a lender.

Cite this page

Page: Lender Register, "Avadian Credit Union in Alabama: mortgage rates, 2025", https://lenderregister.com/lender/549300fggerprkxh7v65-avadian-credit-union/al/
Source: Federal Financial Institutions Examination Council and Consumer Financial Protection Bureau, Home Mortgage Disclosure Act data, 2025
Data date: HMDA year 2025. Page made 2 Oct 2026.

Provenance

The figures come from the public HMDA loan/application register of 2022 to 2025. They are the records of this LEI for homes in Alabama. This site withholds a figure with fewer than 25 applications. Method of the figures. Terms. Report an error.

Questions

What share of the loans of Avadian Credit Union were in Alabama in 2025?: 1,005 of its loans originated, out of 1,015 in all states. That is 99.0%.
In which counties of Alabama did Avadian Credit Union originate the most loans in 2025?: The three with the most loans were Jefferson County (330), Shelby County (284) and Madison County (98).
Which loan types did Avadian Credit Union originate in Alabama in 2025?: 974 conventional, 16 FHA, 14 VA and 1 USDA.
How did the applications of Avadian Credit Union in Alabama change from 2022 to 2025?: It reported 723 applications in 2022 and 1,325 in 2025.