Applications / Mortgage Analytics / Lenders / Alabama / Heritage South Credit Union / Competition
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
Who Heritage South Credit Union competes with, by dollars lent in 2025, in its five largest markets and the three it entered most recently. A Pareto chart puts the lenders in order of size and draws their running share, so the reader sees how concentrated each market is: where the line climbs steeply, a few lenders hold most of it.
FIG. 1 — NON-METRO ALABAMA, 2025
Heritage South Credit Union ranks 174th of 523 lenders in non-metro Alabama, with $3.8M lent: 0.1% of a $3.92B market.
non-metro Alabama is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Heritage South Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 29% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 2 — BIRMINGHAM, AL, 2025
Heritage South Credit Union ranks 321st of 523 lenders in Birmingham, AL, with $770K lent: 0.0% of a $7.02B market.
Birmingham, AL is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Heritage South Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 33% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 3 — DAPHNE-FAIRHOPE-FOLEY, AL, 2025
Heritage South Credit Union ranks 342nd of 485 lenders in Daphne-Fairhope-Foley, AL, with $495K lent: 0.0% of a $2.98B market.
Daphne-Fairhope-Foley, AL is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Heritage South Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 32% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 4 — AUBURN-OPELIKA, AL, 2025
Heritage South Credit Union ranks 244th of 305 lenders in Auburn-Opelika, AL, with $255K lent: 0.0% of a $1.58B market.
Auburn-Opelika, AL is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Heritage South Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 41% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
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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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