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Winston County, Alabama · 2025

Mortgage lenders in Winston County, AL: denial rates and top lenders (2025)

159 lenders acted on 953 mortgage applications for properties in Winston County in 2025. 19.7% were denied (Alabama: 19.9%). Median rate on closed loans 6.79%; median loan $135,000; median property value $255,000.

953Applications
19.7%Denial ratestate 19.9%
6.79%Median ratestate 6.50%
$135,000Median loan
$255,000Median property value

Largest lenders in Winston County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 BankFirst Financial Services A 8261 9.8%6.25%
2 Vanderbilt Mortgage and Finance F 7616 35.5%9.50%
3 21st Mortgage F 7414 40.5%10.73%
4 United Shore Financial Services B 4229 9.5%6.50%
5 Rocket Mortgage C 4225 26.2%6.99%
6 Triad Financial Services D 344 38.2%8.36%
7 Regions Bank C 3017 16.7%4.99%
8 First National Bank – 2724 3.7%7.89%
9 FirstBank C 235 52.2%7.56%
10 Traditions Bank A 2019 5.0%—
11 Premier Bank of the South A 1818 0.0%—
12 Listerhill Credit Union A 1817 5.6%6.00%
13 Broker Solutions D 166 0.0%7.25%
14 Pennymac Loan Services C 159 6.7%6.63%
15 Newrez D 143 35.7%6.99%
16 Mortgage Research Center C 148 14.3%6.69%
17 Synovus Bank D 1210 8.3%6.63%
18 Navy Federal Credit Union D 125 25.0%6.50%
19 Guild Mortgage A 1110 0.0%6.50%
20 CB&S Bank C 106 20.0%6.74%
21 Apco Employees C 95 33.3%6.00%
22 New Day Financial F 91 22.2%7.25%
23 EvaBank F 92 11.1%—
24 Renasant Bank B 95 22.2%6.88%
25 AmeriSave Mortgage D 81 87.5%6.63%

Best approval odds in Winston County

Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.

#LenderDecidedDecision denial rate
1BankFirst Financial Services7111.3%

What Winston County borrowers applied for

By loan purpose

Home purchase 548 58% · 20.4% denied
Refinance 144 15% · 11.1% denied
Cash-out refinance 123 13% · 26.8% denied
Home improvement 53 6% · 24.5% denied
Other / HELOC 85 9% · 16.5% denied

By loan type

Conventional 760 80% · 20.5% denied
FHA 120 13% · 19.2% denied
VA 56 6% · 12.5% denied
USDA / RHS 17 2% · 11.8% denied

Why applications were denied

Credit history 71 38%
Debt-to-income ratio 44 24%
Collateral 22 12%
Incomplete application 19 10%
Other 13 7%
Insufficient cash 9 5%
Unverifiable information 8 4%

Winston County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
202379143217.6%7.13%$115,000
202477444421.3%6.99%$135,000
202595349619.7%6.79%$135,000

Frequently asked questions

19.7% of applications in Winston County were denied in 2025, against 19.9% statewide in Alabama.

BankFirst Financial Services, with 82 applications in 2025 and a denial rate of 9.8%.

The median mortgage application in Winston County in 2025 was for $135,000; the median property value on originated loans was $255,000.