Lenders › Keesler Federal Credit Union › Alabama
Keesler Federal 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.
Keesler Federal Credit Union's 2024 HMDA record for Alabama covers 103 applications, 42 of them originated, worth $5.9m.
Its denial rate in the state was 50.6%, above the Alabama rate of 26.3% across all lenders and compared with the lender's national rate of 48.2%.
The median rate spread on its Alabama originations was -0.3 percentage points (state median 0.4).
Applications in the state were down 6% on 2023.
Compared with the state and the lender's national record
| Measure | In Alabama | Alabama, all lenders | Keesler Federal Credit Union, all states | United States |
|---|---|---|---|---|
| Denial rate | 50.6% | 26.3% | 48.2% | 24.3% |
| Median rate spread, pp | -0.3 | 0.4 | -0.5 | 0.3 |
| Originations with spread of 1.5 pp or more | 5.0% | 16.5% | 4.3% | 15.6% |
| Average originated loan | $140k | $228k | $145k | $329k |
| Home purchase share | 42.9% | 59.0% | 34.9% | 57.0% |
| FHA-insured share | 23.8% | 18.0% | 21.7% | 13.4% |
| VA-guaranteed share | 9.5% | 12.5% | 8.1% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateAlabama, all lenders
Loan purpose and loan type in Alabama
By purpose
Home purchase 43% (18)Home improvement 10% (4)Refinancing 2% (1)Cash-out refinancing 29% (12)Other purpose 17% (7)
By type
Conventional 67% (28)FHA 24% (10)VA 10% (4)
Denial reasons as coded
Share of 44 denials in Alabama by first denial reason coded (outlined bar: all lenders in the state).
Counties in Alabama
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Mobile County | 79 | 31 | $4.3m | 51.5% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Keesler Federal Credit Union originate in Alabama in 2024?
42 loans totalling $5.9m, from 103 applications reported for properties in Alabama.
What is Keesler Federal Credit Union's denial rate in Alabama?
50.6% of decided applications in Alabama were denied, against 26.3% for all lenders in the state and 48.2% 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 Keesler Federal Credit Union lend in most?
By originations: Mobile County (31).
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.