Applications / Mortgage Analytics / Lenders / Alabama / Heritage South Credit Union
Sylacauga, AL · Credit union · NCUA · $184 million assets · 40 loans in 2025
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40
loans originated, 2025
58
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Heritage South Credit Union, of Sylacauga, Alabama, is a small refinance-led lender whose loans rose 14% in 2025, to 40.
Refinances made up 60.0% of its loans and home purchases 37.5%. Every loan was conventional, as at similar credit unions (those making between half and twice as many loans). Its typical loan, $70,000, was below the $90,000 at peers, lower than about three-quarters of them.
Its loans rose from 35 to 40, an increase of 14% against 2% at the typical peer. That leaves it well below the 92 and 93 loans it made in 2021 and 2022. It ranks 174 of 523 lenders in rural Alabama, its largest market, and 321 of 523 in Birmingham.
A third of its loans (33.3%) went to low- and moderate-income neighborhoods, against 17.4% at similar credit unions, higher than nearly nine in ten of them. The share was 11.4% a year before. On 40 loans that jump rests on a handful of loans, so it is too small to read much into.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Heritage South Credit Union took 58 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 60.0% · Purchase 37.5% · Home improvement 2.5%
Conventional 100.0% · of 40 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Alabama | 40 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Birmingham | 4 |
| Auburn-Opelika | 1 |
| Daphne-Fairhope-Foley | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300D15L4ETR8E9517 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 56276 | 2015–2023 |
| Respondent ID (the HMDA filer code before 2018) | 568586 | 2015–2017 |
Established 1 January 1937. Reported under HMDA 2015-2025.
Mergers, name changes, data editions and corrections: Heritage South Credit Union's data.
Heritage South Credit Union's data
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Heritage South Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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