Mortgage lending in Winston County, Alabama
Lenders in Winston County, Alabama reported 953 mortgage applications for 2025, according to the CFPB.
953 mortgage applications and 496 loans originated in 2025; the denial rate was 25.6% of 735 applications decided. The median loan was about $155,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Winston County, AL.
- 953
- Applications
- 496
- Loans originated
- 25.6%
- Denial rate
- 188 denied of 735 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 953 | 496 |
| 2024 | 774 | 444 |
| 2023 | 791 | 432 |
| 2022 | 988 | 587 |
| 2021 | 1,303 | 801 |
| 2020 | 1,356 | 891 |
| 2019 | 906 | 578 |
| 2018 | 812 | 518 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| BankFirst Financial Services | 61 | 82 |
| United Wholesale Mortgage | 29 | 42 |
| Rocket Mortgage | 25 | 42 |
| First National Bank | 24 | 27 |
| Traditions Bank | 19 | 20 |
| Premier Bank of the South | 18 | 18 |
| Listerhill Credit Union | 17 | 18 |
| Regions Bank | 17 | 30 |
| Vanderbilt Mortgage and Finance, Inc | 16 | 76 |
| 21ST Mortgage | 14 | 74 |
| Guild Mortgage Company | 10 | 11 |
| Synovus Bank | 10 | 12 |
| Pennymac Loan Services LLC | 9 | 15 |
| Mortgage Research Center | 8 | 14 |
| New American Funding, LLC. | 6 | 16 |
| CB&S Bank | 6 | 10 |
| Renasant Bank | 5 | 9 |
| Navy Federal Credit Union | 5 | 12 |
| Land Home Financial Services, | 5 | 6 |
| Firstbank | 5 | 23 |
| Mortgage Investors Group | 5 | 6 |
| Southern Energy Credit Union | 5 | 9 |
| CSL Financial, LLC | 4 | 4 |
| Primis Bank | 4 | 7 |
| Community Bank of Mississippi | 4 | 4 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | under 10 | |
| Asian | under 10 | |
| Black or African American | under 10 | |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 850 | 25.3% of 660 decided |
| Joint | 16 | no rate: base under 50 |
| Race Not Available | 72 | 28.8% of 52 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 34 | no rate: base under 50 |
| Not Hispanic or Latino | 814 | 24.9% of 631 decided |
| Joint | 10 | no rate: base under 50 |
| Ethnicity Not Available | 95 | 26.9% of 67 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 340 | 24.9% of 253 decided |
| Female | 178 | 37.2% of 137 decided |
| Joint | 387 | 20.6% of 311 decided |
| Sex Not Available | 48 | no rate: base under 50 |
A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.
Rankings this appears in
- No. 1695 Counties by median mortgage
Sources
- HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
- HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
- Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026
Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built
Data retrieved