Lenders › Five Star Credit Union › Alabama
Five Star Credit Union in Alabama
HMDA record for properties in Alabama, calendar year 2024. National record · Alabama overview
HMDA data alone cannot be used 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. Cells under 25 applications are withheld.
In Alabama, Five Star Credit Union reported 205 applications and 122 originations for 2024, $22m in all.
Its denial rate in the state was 29.9%, above the Alabama rate of 26.3% across all lenders and compared with the lender's national rate of 38.3%.
Applications in the state were up 5% on 2023.
Compared with the state and the lender's national record
| Measure | In Alabama | Alabama, all lenders | Five Star Credit Union, all states | United States |
|---|---|---|---|---|
| Denial rate | 29.9% | 26.3% | 38.3% | 24.3% |
| Median rate spread, pp | — | 0.4 | — | 0.3 |
| Originations with spread of 1.5 pp or more | — | 16.5% | — | 15.6% |
| Average originated loan | $178k | $228k | $193k | $329k |
| Home purchase share | 67.2% | 59.0% | 64.5% | 57.0% |
| FHA-insured share | 0.0% | 18.0% | 0.0% | 13.4% |
| VA-guaranteed share | 0.0% | 12.5% | 0.0% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateAlabama, all lenders
Loan purpose and loan type in Alabama
By purpose
Home purchase 67% (82)Refinancing 33% (40)
By type
Conventional 100% (122)
Denial reasons as coded
Share of 58 denials in Alabama by first denial reason coded (outlined bar: all lenders in the state).
Counties in Alabama
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Houston County | 82 | 47 | $8.7m | 28.9% |
| Dale County | 25 | 20 | $2.7m | 20.0% |
| Henry County | 33 | 19 | $3.8m | 26.7% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Five Star Credit Union originate in Alabama in 2024?
122 loans totalling $22m, from 205 applications reported for properties in Alabama.
What is Five Star Credit Union's denial rate in Alabama?
29.9% of decided applications in Alabama were denied, against 26.3% for all lenders in the state and 38.3% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Alabama counties does Five Star Credit Union lend in most?
By originations: Houston County (47), Dale County (20), Henry County (19).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Alabama. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.