# Heritage South Credit Union

> **Canonical URL:** https://saferate.com/lenders/heritage-south-credit-union

> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible

Heritage South Credit Union is a credit union, headquartered in Sylacauga, AL, with 24 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 50% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 69% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300D15L4ETR8E9517
- **Headquarters:** Sylacauga, AL
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** AL
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 50/100
- Rating: ●●●○○ (3/5)

### Pull Through: Acceptable 🙂
- Score: 31/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** +0.596%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $457
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 24
- **Dollar Volume:** $3 million
- **Applications Received:** 42
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $127,500
- **Average Borrower Income:** $89,792

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 16/100 | 24 | +0.596% | $457 | Mediocre 😐 |

### Product Performance by Purpose

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 13/100 | 10 | $1M | +0.521% | Mediocre 😐 |
| Refinance | 25/100 | 14 | $2M | +0.645% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| AL | 24 | 0.04% | 60/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 20 | 43/100 |

## Frequently Asked Questions

### What loan types does Heritage South Credit Union offer?

Heritage South Credit Union offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Heritage South Credit Union offer mortgages?

Heritage South Credit Union offers mortgages in 1 states: AL.

### How competitive are Heritage South Credit Union's mortgage rates?

Heritage South Credit Union has a pricing score of 50/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.596% above market average.

### What type of lender is Heritage South Credit Union?

Heritage South Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Sylacauga, AL.

### What is Heritage South Credit Union's loan approval success rate?

Heritage South Credit Union has a pull-through score of 31/100 (Acceptable). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-05-29
**Canonical URL:** https://saferate.com/lenders/heritage-south-credit-union

### How to Cite

> "Heritage South Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/heritage-south-credit-union

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