First South Financial Federally Insured State-Chartered Credit Union

First South Financial Federally Insured State-Chartered Credit Union received 713 applications in 2025 and made 376 mortgages, in 81 counties across 10 states. The median rate its borrowers got was 1.990% on a median loan of $135,000. Of 543 decisions, 166 were denials — 30.6%, most often for debt-to-income ratio.

By loan purpose

Where First South Financial Federally Insured State-Chartered Credit Union lends most

The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.

Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.