Mortgage lending in Baldwin County
8,842 mortgages were originated in Baldwin County, Alabama, in 2025.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 8,842
- Median rate
- 6.625%
- Median lender fees
- $5,310
- Median loan amount
- $265,000
- Median spread over APOR
- 0.225
- Paid discount points
- 40.3%
- Received lender credits
- 22.7%
- Purchases / refinances
- 60.7% / 24.2%
- Conventional / FHA / VA
- 71.3% / 15.7% / 11.8%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 74% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Who lent here
Lenders with at least 50 loans in Baldwin County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| DHI MORTGAGE COMPANY, LTD. | 676 | $5,974 | 4.990% |
| Rocket Mortgage, LLC | 556 | $4,867 | 6.750% |
| Regions Bank | 386 | $3,709 | 5.875% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 353 | $7,747 | 6.125% |
| Trustmark National Bank | 278 | $3,914 | 6.875% |
| Navy Federal Credit Union | 208 | $2,131 | 7.250% |
| Community Bank of Mississippi | 200 | $4,013 | 7.000% |
| LENNAR MORTGAGE, LLC | 194 | $5,493 | 4.500% |
| Cadence Bank | 173 | $4,499 | 6.900% |
| PNC Bank, National Association | 155 | — | 7.730% |
What lenders charged here
Lender fees on a $265,000 loan, based on what was actually charged in Baldwin County — not a rule of thumb.
From 6,544 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, escrow and taxes are extra and are not in these figures. Compare two offers