Mortgage lending in Calhoun County
2,149 mortgages were originated in Calhoun 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
- 2,149
- Median rate
- 6.500%
- Median lender fees
- $5,705
- Median loan amount
- $155,000
- Median spread over APOR
- 0.439
- Paid discount points
- 39.2%
- Received lender credits
- 24.8%
- Purchases / refinances
- 56.4% / 30.3%
- Conventional / FHA / VA
- 56.4% / 26.3% / 14.1%
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 75% 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 Calhoun County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Rocket Mortgage, LLC | 181 | $5,389 | 6.625% |
| Ameris Bank | 134 | $6,058 | 6.250% |
| Regions Bank | 110 | — | 4.990% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 108 | $6,599 | 6.490% |
| Fairway Independent Mortgage Corporation | 89 | $6,945 | 6.250% |
| Mortgage Research Center, LLC | 70 | $1,892 | 6.563% |
| ACOPIA, LLC | 65 | — | 6.375% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 57 | — | 9.360% |
| SUCCESS MORTGAGE PARTNERS, INC. | 53 | — | 6.500% |
What lenders charged here
Lender fees on a $155,000 loan, based on what was actually charged in Calhoun County — not a rule of thumb.
From 1,612 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