County directory · Alabama

CDFI lenders in Winston County, AL

4 have a bank or credit-union branch here. 4 more say they serve all of Alabama. Sources: lender websites (29 Oct 2026–4 Nov 2026), the CDFI Fund list (21 Oct 2026) and FDIC/NCUA branch records.

Name this county: 0
Based here: 0
Branch here: 4
Serve all of AL: 4

None of the lender websites we read names Winston County; the lenders below are based here, have an office here or serve the whole state. Lenders based elsewhere may lend here too. Search your exact ZIP code in the finder to include lenders based nearby. Towns in this county: Addison, Arley, Delmar, Double Springs, Haleyville, Houston, Lynn, Natural Bridge.

Lenders compared for Winston County

5 with local records

Lender	Local records	Loan sizes	Head office
1. BankFirst Financial Services Bank or thrift, Columbus MS	5 offices here; 3 SBA loans here, FY2020–FY2026; 61 home loans here, 2025	ask	67 mi
2. First National Bank Bank or thrift, Hamilton AL	2 offices here; 24 home loans here, 2025	ask	34 mi
3. BankFirst Capital Corporation Bank holding company, Columbus MS	5 offices here	ask	67 mi
4. Community Bank of Mississippi Bank or thrift, Flowood MS	4 home loans here, 2025	ask	198 mi
5. Marion County Bancshares, Inc. Bank holding company, Hamilton AL	2 offices here	ask	34 mi

2 of these 5 lenders have received CDFI Fund awards, together $31.5M in fiscal years 2013–2024 (CDFI Fund award database; each lender page lists its awards). An award funds the lender, not a particular borrower.

Order: how many kinds of local record we hold (its website names the county or a town in it, headquarters, a branch, SBA loans or HMDA home loans for borrowers here), then the number of those records, then the head office's distance from the county centre. Loan sizes are the range the lender's website states. It is not a rating and nobody pays for a place. SBA loans: SBA 7(a)/504 data (FY2020–FY2026, 3 or more shown); home loans: HMDA 2025 originations (3 or more shown); branches: FDIC/NCUA; distances are straight lines from the average position of the county's ZIP codes.

Where these lenders have offices

4 lenders

18 branches or offices of 4 lenders on this page, within 30 miles of the centre of Winston County. Lenders with no office nearby may still lend here; many work by phone and online.

Banks and credit unions with a branch in this county

4 certified CDFIs have at least one office in Winston County (FDIC office data as of 30 Oct 2026). A branch shows presence, not a stated service area; credit unions also require membership.

CDFI mortgage lenders active here

Certified CDFIs reported 92 originated home loans for properties in Winston County in 2025 under the Home Mortgage Disclosure Act: 19% of the 496 home loans that all HMDA lenders reported here.

Plus 3 more certified CDFIs with fewer than 3 loans here each (not listed).

A lender headquartered far away can appear here: HMDA counts the county of the property, not of the lender. Banks and credit unions below the HMDA reporting thresholds and most loan funds do not report, so other CDFIs may also lend here.

Source: FFIEC Home Mortgage Disclosure Act (HMDA) data for 2025, snapshot frozen 2 Jun 2026, loan-level records read through the CFPB HMDA Data Browser API on 3 Nov 2026. Originated loans only; applications that were denied, withdrawn or not accepted are not counted. HMDA publishes each loan amount as the middle of a $10,000 band, so totals and medians are approximate. Counts under 3 are not shown. How we match lenders.

Small business and SBA lending in Winston County

Official statistics

Median household income in Winston County is $57,256, 11% below the Alabama figure of $63,999 (ACS 2020–2024).

Businesses here took 7.3 SBA-backed loans per 1,000 employer businesses over FY2020–FY2026: fewer than the median Alabama county (20.7), rank 54 of 67.

Measure	Winston County	Alabama
Businesses with paid employees (CBP 2023)	412 (0.4% of the state)	105,720
…of which under 20 employees	86%	84%
Businesses without employees (Nonemployer Statistics 2023)	1,622	388,978
Median household income (ACS 2020–2024)	$57,256 (11% below the state)	$63,999
SBA 7(a) and 504 approvals, all lenders, FY2020–FY2026	3 (3 7(a), 0 504)	2,825
…per 1,000 businesses with employees	7.3 (rank 54 of 67 Alabama counties)	20.7 (median county)
…with a certified CDFI as lender, CDC or third-party lender	3 (100%)	328 (12%)

For comparison, not an offer. SBA figures count approvals by every SBA lender for borrowers whose ZIP code lies in the county, not only CDFIs; approval is not disbursement. Rate over prime = the SBA's recorded initial rate minus the prime rate on the approval day; SBA caps it at 3 to 6.5 points depending on loan size (current prime rate and caps: methodology).

Sources: Census Bureau County Business Patterns 2023, Nonemployer Statistics 2023 and American Community Survey 2020–2024 (table B19013); SBA 7(a) & 504 FOIA data as of 30 Sep 2026; prime rate: FRED DPRIME; SBA maximums: SBA 7(a) terms. Downloaded 15 Nov 2026. How we compute these.

SBA loans made here by CDFIs

SBA data as of 30 Sep 2026

Certified CDFIs were the lender, the CDC or the third-party lender on 3 SBA approvals (3 7(a) loans) for borrowers in Winston County in fiscal years 2020–2026, from 1 CDFI. The 7(a) loans total $636,500 approved.

CDFIs with 3 or more: BankFirst Financial Services (3).

Counted by the county of the borrower's ZIP code. Approval is not disbursement. These are only the SBA loans of certified CDFIs; most SBA lenders here are not CDFIs, and CDFIs also lend outside SBA programs.

Source: U.S. Small Business Administration, 7(a) & 504 FOIA loan data, files as of 30 Sep 2026, downloaded 3 Nov 2026. Our counts, cancelled approvals left out. How we match lenders.

CDFI lending recorded here (FY2022)

CDFI Fund data, released Dec 2024

165 loans and investments totaling $18.5M (median $43,269) were reported to the CDFI Fund for borrowers and projects in Winston County in fiscal year 2022, by 9 reporting CDFIs. More than half of these records come from a single reporting CDFI.

Purpose (CDFI Fund category)	Count	Total	Median
Home purchase	49	$6.9M	$47,291
Non-real estate microenterprise	44	$834,144	$18,396
Home improvement	41	$3.3M	$50,000
Real estate: commercial construction, permanent or acquisition	13	$1.1M	$61,587
Non-real estate business	8	$963,851	$119,165
Real estate: single-family housing construction	7	$4.2M	$439,747
Other purposes	3	$1.3M

Of 46 individual borrowers whose income was reported, 46% had family income at or below 80% of the area median.

CDFI banks and credit unions also reported 212 consumer loans in Winston County totaling $1.7M (Consumer Loan Report, tract totals, so no median); they counted 19% of them as serving low-income borrowers.

Loans and investments reported in other years: FY2020 358 · FY2021 291.

Only CDFIs that hold an active CDFI Fund award (CDFI Program, Native American CDFI Assistance or the CDFI Rapid Response Program) report these transactions, so this is not all lending by the certified CDFIs on this page. The Fund masks which CDFI made each loan, so we cannot say which lender listed here made them.

Source: CDFI Fund, CDFI/NACA/CDFI RRP Program Award Recipient Data Release, Transaction Level Report and Consumer Loan Report public files for fiscal year 2022 (released Dec 2024; downloaded 3 Nov 2026). Amounts are original loan or investment amounts as reported. Place = the 2010 census tract of each record. How we count.

Say they serve all of Alabama

Free help before you apply

These offices give free or low-cost advice: a Small Business Development Center or SCORE mentor can help with the business plan, cash-flow projections and paperwork most business lenders ask for, and a HUD-approved housing counselor can help with a homebuyer course, a budget or a missed mortgage payment. Some counseling agencies also lend; using their advice does not commit you to their loans. Call ahead to check hours and what they cover.

Business advice

Housing counseling

Sources: SBA local assistance listings, read 6 Nov 2026; HUD's list of approved housing counseling agencies (open-data version last updated 9 Apr 2025). For the current list and the services each agency offers, use the CFPB's housing counselor search (it uses HUD's list) or call HUD at 800-569-4287. Offices are placed by ZIP code, so distances are approximate.