Mortgage lending in Coffee County
1,551 mortgages were originated in Coffee 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
- 1,551
- Median rate
- 6.501%
- Median lender fees
- $4,972
- Median loan amount
- $205,000
- Median spread over APOR
- 0.112
- Paid discount points
- 40.5%
- Received lender credits
- 32.8%
- Purchases / refinances
- 53.2% / 30.8%
- Conventional / FHA / VA
- 48.7% / 9.3% / 39.9%
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 71.1% 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 Coffee County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Mortgage Research Center, LLC | 185 | $4,355 | 6.250% |
| ALL IN FEDERAL CREDIT UNION | 155 | — | 8.250% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 102 | $5,988 | 5.990% |
| CMG MORTGAGE, INC. | 94 | $7,725 | 6.500% |
| Rocket Mortgage, LLC | 79 | $4,208 | 6.500% |
| River Bank & Trust | 70 | — | 6.813% |
| MOVEMENT MORTGAGE, LLC | 69 | $5,174 | 6.750% |
| Navy Federal Credit Union | 64 | — | 6.250% |
What lenders charged here
Lender fees on a $205,000 loan, based on what was actually charged in Coffee County — not a rule of thumb.
From 1,103 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