Gulf Winds Credit Union in Alabama vs the state
22.8%Denial rate+2.91 pts vs state
37.3%Decision denial rate+12.33 pts vs state
38.2%Origination rate-17.18 pts vs state
7.88%Median rate+1.38 pts vs state
1.65Rate spread (pts)+1.36 pts vs state
$93kMedian applicant income
47Loans originated
28Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 153 | 60 | 15.0% | 6.33% | #155 |
| 2024 | 170 | 64 | 14.1% | — | #156 |
| 2025 | 123 | 47 | 22.8% | 7.88% | #203 |
What Gulf Winds Credit Union lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most Gulf Winds Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Escambia County | 57 | 21 | 13 | 22.8% |
| Baldwin County | 36 | 15 | 6 | 16.7% |
| Monroe County | 15 | 8 | 4 | 26.7% |
| Conecuh County | 7 | 0 | 3 | 42.9% |
| Mobile County | 3 | 1 | 1 | 33.3% |
| Houston County | 1 | 0 | 0 | 0.0% |
| Montgomery County | 1 | 1 | 0 | 0.0% |
| Autauga County | 1 | 0 | 1 | 100.0% |
| Wilcox County | 1 | 0 | 0 | 0.0% |
| Jefferson County | 1 | 1 | 0 | 0.0% |
Other large lenders in Alabama
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Regions Bank | C | 11,871 | 37.2% | 4.99% |
| Rocket Mortgage | C | 9,941 | 20.5% | 6.63% |
| Vanderbilt Mortgage and Finance | F | 8,461 | 41.4% | 9.50% |
| United Shore Financial Services | B | 7,689 | 12.0% | 6.13% |
| 21st Mortgage | F | 6,507 | 46.0% | 9.98% |
| Mortgage Research Center | C | 5,107 | 18.4% | 6.25% |
| REDSTONE Federal Credit Union | C | 4,548 | 18.9% | 8.13% |
| Dhi Mortgage Company | B | 3,909 | 17.5% | 4.99% |
| Freedom Mortgage | B | 3,725 | 8.7% | 6.25% |
| Pennymac Loan Services | C | 3,611 | 11.6% | 6.25% |
Frequently asked questions
Alabama: 123 applications in 2025, of which 47 were originated and 28 denied.
22.8% of all applications, or 37.3% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans Gulf Winds Credit Union originated in Alabama in 2025 was 7.88%, against a statewide median of 6.50%.
About this data. Figures are Gulf Winds Credit Union's own HMDA filing for properties located in Alabama, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology