Alabama · HMDA 2025
Mortgage lenders in Winston County, AL
164 lenders reported 1,045 home-loan applications in Winston County in 2025. 496 closed as loans ($127.0M), 188 were denied — a 25.6% denial rate on decided applications, close to the Alabama rate of 24.7%. The three most active lenders handled 22% of applications, led by BankFirst Financial Services. 10 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 1,045
- Loans originated
- 496
- Purchase / refinance
- 269 / 146
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Winston County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | BankFirst Financial Services 69 out of 100, Moderate | 82 | 7.8% | 7.5% |
| 2 | VANDERBILT MORTGAGE AND FINANCE, INC. | 76 | 7.3% | — |
| 3 | 21st Mortgage Corporation | 74 | 7.1% | — |
| 4 | Rocket Mortgage, LLC | 43 | 4.1% | — |
| 5 | UNITED SHORE FINANCIAL SERVICES, LLC | 42 | 4.0% | — |
| 6 | PENNYMAC LOAN SERVICES, LLC | 40 | 3.8% | — |
| 7 | TRIAD FINANCIAL SERVICES, INC. | 34 | 3.3% | — |
| 8 | Regions Bank 64 out of 100, Moderate | 30 | 2.9% | 43.1% |
| 9 | First National Bank | 27 | 2.6% | — |
| 10 | FirstBank 59 out of 100, Moderate | 23 | 2.2% | 42.8% |
| 11 | NEWREZ LLC | 21 | 2.0% | — |
| 12 | Traditions Bank 65 out of 100, Moderate | 20 | 1.9% | 0.8% |
| 13 | Listerhill Credit Union 69 out of 100, Moderate | 18 | 1.7% | 3.5% |
| 14 | Premier Bank of the South | 18 | 1.7% | — |
| 15 | Broker Solutions, Inc. | 16 | 1.5% | — |
| 16 | AMERIHOME MORTGAGE COMPANY, LLC | 15 | 1.4% | — |
| 17 | Mortgage Research Center, LLC | 14 | 1.3% | — |
| 18 | Navy Federal Credit Union 66 out of 100, Moderate | 12 | 1.1% | 32.9% |
| 19 | Renasant Bank 64 out of 100, Moderate | 12 | 1.1% | 11.6% |
| 20 | Synovus Bank | 12 | 1.1% | — |
| 21 | GUILD MORTGAGE COMPANY | 11 | 1.1% | — |
| 22 | CB&S Bank, Inc. | 10 | 1.0% | — |
| 23 | PLANET HOME LENDING, LLC | 9 | 0.9% | — |
| 24 | EvaBank | 9 | 0.9% | — |
| 25 | NEW DAY FINANCIAL, LLC | 9 | 0.9% | — |
| 26 | APCO EMPLOYEES | 9 | 0.9% | — |
| 27 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 8 | 0.8% | 14.1% |
| 28 | Loandepot.Com, LLC | 8 | 0.8% | — |
| 29 | AmeriSave Mortgage Corporation | 8 | 0.8% | — |
| 30 | PHH Mortgage Corporation | 8 | 0.8% | — |
| 31 | CROSSCOUNTRY MORTGAGE, INC. | 7 | 0.7% | — |
| 32 | Bank of America, National Association 59 out of 100, Moderate | 7 | 0.7% | 44.7% |
| 33 | REDSTONE Federal Credit Union 85 out of 100, Very strong | 7 | 0.7% | 23.2% |
| 34 | FREEDOM MORTGAGE CORPORATION | 7 | 0.7% | — |
| 35 | Cadence Bank | 7 | 0.7% | — |
| 36 | Primis Mortgage Company | 7 | 0.7% | — |
| 37 | SOUTHWEST STAGE FUNDING, LLC | 6 | 0.6% | — |
| 38 | LAND HOME FINANCIAL SERVICES, INC. | 6 | 0.6% | — |
| 39 | Bank Independent | 6 | 0.6% | — |
| 40 | NATIONSTAR MORTGAGE LLC | 6 | 0.6% | — |
Top 40 of 164 lenders shown. Denial rates are each lender's nationwide figure for 2025, available for banks and credit unions we profile.
Other counties in Alabama
- Jefferson County 28,393 apps
- Madison County 23,854 apps
- Baldwin County 17,566 apps
- Mobile County 16,489 apps
- Shelby County 12,554 apps
- Montgomery County 9,224 apps
- Tuscaloosa County 8,980 apps
- Lee County 8,781 apps
- Limestone County 7,909 apps
- Morgan County 5,666 apps
- St. Clair County 5,338 apps
- Houston County 4,894 apps