Heritage South Credit Union
Heritage South Credit Union received 57 applications in 2025 and made 40 mortgages, in 8 counties across 1 state. The median rate its borrowers got was 7.000% on a median loan of $70,000. Of 50 decisions, 9 were denials — 18.0%, most often for credit history. 17 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300D15L4ETR8E9517 |
|---|---|
| Applications received | 57 |
| Mortgages made | 40 |
| Denied | 9 |
| Approved, not taken up | 1 |
| Withdrawn or incomplete | 7 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 1.1595 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 15 | 6.750% | $95,000 | 15.8% |
| Refinancing | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Cash-out refinancing | 24 | 7.000% | $65,000 | 7.7% |
| Other purposes | 1 | Under 10 loans | Under 10 loans | 50.0% |
Where Heritage South Credit Union lends most
The 8 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Talladega County, AL | 27 | 7.000% | 0.0% |
| Coosa County, AL | 4 | Under 10 loans | 0.0% |
| Jefferson County, AL | 2 | Under 10 loans | 0.0% |
| Shelby County, AL | 2 | Under 10 loans | 0.0% |
| Tallapoosa County, AL | 2 | Under 10 loans | 0.0% |
| Baldwin County, AL | 1 | Under 10 loans | 0.0% |
| Clay County, AL | 1 | Under 10 loans | 0.0% |
| Lee County, AL | 1 | Under 10 loans | 0.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.