Name of the lender

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

HMDA year2025

StateAlabama

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

All states of this lender

WinSouth Credit Union reported 189 applications for homes in Alabama in the HMDA data of 2025.

It originated 93 loans in the state in 2025, for $15.7 million in total.

This page shows no median interest rate for Alabama in 2025: under 20 loans with a rate.

This page shows no median total loan costs for Alabama, because fewer than 20 loans report the amount.

It denied 39.0% of the applications that it decided in the state in 2025, and the state denial rate was 25.0%.

Filed figures of WinSouth Credit Union in Alabama, 2025
Figure	In AL	Lender, all states	AL, all lenders
Applications	189	197	207,840
Loans originated	93	93	115,118
Median interest rate	n/a	n/a	6.375%
Median total loan costs	n/a	n/a	$5,942
Denial rate	39.0%	39.4%	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

Median interest rate in ALNot shown

A median needs 20 loans with a reported interest rate. 79 loans of the lender are in the loans that the medians use, and 1 of them give a rate.

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	93	49.2%
2Application approved but not accepted	1	0.5%
3Application denied	60	31.7%
4Application withdrawn by applicant	30	15.9%
5File closed for incompleteness	5	2.6%
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	189	93	39.0%

Counties in Alabama

Counties of WinSouth Credit Union in Alabama with 25 applications or more, 2025In order of the names.
County	Applications	Loans originated	Amount	Denial rate
DeKalb County	74	42	$6.8 million	31.7%
Etowah County	44	21	$3.1 million	36.4%

Figures by year

WinSouth 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	189	93	$15.7 million	n/a	n/a	39.0%
2024	n/a	n/a	n/a	n/a	n/a	n/a
2023	n/a	n/a	n/a	n/a	n/a	n/a
2022	n/a	n/a	n/a	n/a	n/a	n/a

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, "WinSouth Credit Union in Alabama: mortgage rates, 2025", https://lenderregister.com/lender/98450062c847fdda7405-winsouth-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 WinSouth Credit Union were in Alabama in 2025?: 93 of its loans originated, out of 93 in all states. That is 100.0%.
In which counties of Alabama did WinSouth Credit Union originate the most loans in 2025?: The three with the most loans were DeKalb County (42) and Etowah County (21).
Which loan types did WinSouth Credit Union originate in Alabama in 2025?: All its loans in the state were of one type: 93 conventional.
What share of the applications in Alabama did WinSouth Credit Union report in 2025?: 0.1%: 189 out of 207,840 applications of all lenders in the state.