Lender in Alabama · HMDA 2025
Navy Federal Credit Union mortgages in Alabama
Navy Federal Credit Union's 2025 home-purchase and refinance lending in Alabama, compared with all lenders in the state.
Navy Federal Credit Union originated 828 owner-occupied single-family loans in Alabama from 993 completed applications, making it the state's #19 lender by volume.
Its median conventional purchase loan costs were $2,680 versus $4,370 for all Alabama lenders, at a median 30-year fixed rate of 6.75% (Alabama: 6.562%).
Loans in AL
828
of 993 applications
Denial rate
9.5%
Purchase · AL 9.1%
Rate spread
+0.00 pts
Conv. · AL +0.17 pts
Loan amount
$285,000
Purchase · AL $265,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 768 | 686 | 9.5% | 6.750% | +0.00 pts | $2,680 | $285,000 |
| Refinance | 91 | 61 | 31.9% | — | −0.38 pts | $2,100 | $245,000 |
| Cash-out refinance | 134 | 81 | 37.3% | — | +0.19 pts | $2,050 | $275,000 |
*Conventional loans only; medians with at least 20 loans.
Alabama counties where Navy Federal Credit Union ranks in the top 25
Showing the 30 counties where it ranks highest, of 36.
| County | Rank | Loans | Market share |
|---|---|---|---|
| Coffee County | 6 | 40 | 4.0% |
| Perry County | 6 | 1 | 5.0% |
| Dale County | 7 | 18 | 3.1% |
| Covington County | 7 | 12 | 3.5% |
| Barbour County | 8 | 5 | 3.1% |
| Butler County | 8 | 4 | 3.5% |
| Winston County | 9 | 5 | 2.8% |
| Baldwin County | 10 | 97 | 1.9% |
| Escambia County | 10 | 7 | 2.5% |
| Henry County | 10 | 7 | 2.7% |
| Russell County | 11 | 19 | 1.9% |
| Choctaw County | 11 | 1 | 2.3% |
| Sumter County | 11 | 1 | 2.5% |
| Fayette County | 12 | 3 | 1.8% |
| Pike County | 13 | 5 | 1.8% |
| Lowndes County | 13 | 1 | 2.4% |
| Montgomery County | 14 | 53 | 2.1% |
| Washington County | 15 | 2 | 1.7% |
| Macon County | 15 | 1 | 1.5% |
| Madison County | 16 | 130 | 1.7% |
| Autauga County | 16 | 20 | 2.0% |
| Coosa County | 17 | 1 | 1.5% |
| Limestone County | 18 | 37 | 1.3% |
| Morgan County | 20 | 19 | 1.1% |
| Elmore County | 20 | 17 | 1.1% |
| Bibb County | 20 | 2 | 1.4% |
| Franklin County | 20 | 2 | 0.8% |
| Marshall County | 21 | 14 | 1.1% |
| Lee County | 22 | 25 | 0.9% |
| Marion County | 22 | 2 | 0.9% |
- Navy Federal Credit Union nationwide
- Alabama mortgage market
- Navy Federal Credit Union in Florida
- Navy Federal Credit Union in Virginia
- Navy Federal Credit Union in Texas
- Navy Federal Credit Union in North Carolina
- Navy Federal Credit Union in Georgia
- Navy Federal Credit Union in Maryland
- Navy Federal Credit Union in California
- Navy Federal Credit Union in South Carolina
- Navy Federal Credit Union in Pennsylvania
- Navy Federal Credit Union in Ohio
- Navy Federal Credit Union in Tennessee
- Navy Federal Credit Union in Washington
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology