Mortgage lending in Colbert County
1,519 mortgages were originated in Colbert County, Alabama, in 2025.
30-year fixed, this week
6.71%
Freddie Mac's survey average for the week of September 3, 2026 — a year earlier it was 6.56%, and the past year ranged 5.98–6.71%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 1,519
- Median rate
- 6.500%
- Median lender fees
- $5,119
The going rate is the federal "average prime offer rate" for a comparable loan; 0.5 means half a percentage point above it.
- Median loan amount
- $155,000
- Above the going rate (spread over APOR)
- 0.328
- Paid discount points
- 32.5%
- Received lender credits
- 19.8%
- Purchases / refinances
- 50.2% / 37.1%
- Conventional / FHA / VA
- 69.2% / 22.2% / 8.1%
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 70.3% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
- Median home price
- $190,000
- That home, 20% down
- $152,000
A median-priced home with 20% down leaves $680,750 of room under the conforming limit, so the ceiling rarely binds on an ordinary purchase.
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Median price is HUD's figure for the 2026 limit calculation, not a live market quote.
Who lent here
Lenders with at least 50 loans in Colbert County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Bank Independent | 181 | $4,176 | 6.750% |
| Listerhill Credit Union | 162 | $3,030 | 6.000% |
| Trustmark National Bank | 109 | $5,597 | 6.375% |
| Assurance Financial Group, L.L.C. | 97 | $6,275 | 6.375% |
| Rocket Mortgage, LLC | 76 | $4,971 | 6.500% |
| Regions Bank | 63 | — | 6.750% |
| First Metro Bank | 56 | — | — |
What lenders charged here
Lender fees on a $155,000 loan, based on what was actually charged in Colbert County — not a rule of thumb.
From 1,068 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, taxes and the escrow deposit your lender collects up front for future tax and insurance bills are extra and not in these figures. Compare two offers