Mortgage lending in Elmore County
2,503 mortgages were originated in Elmore 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
- 2,503
- Median rate
- 6.500%
- Median lender fees
- $5,482
- Median loan amount
- $205,000
- Median spread over APOR
- 0.310
- Paid discount points
- 37.5%
- Received lender credits
- 25.6%
- Purchases / refinances
- 53.2% / 31.5%
- Conventional / FHA / VA
- 63.4% / 15.7% / 19.5%
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% 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 Elmore County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| GUILD MORTGAGE COMPANY | 171 | $6,672 | 6.500% |
| MAX Credit Union | 167 | — | 4.500% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 147 | $6,849 | 6.125% |
| Rocket Mortgage, LLC | 135 | $4,876 | 6.625% |
| Trustmark National Bank | 128 | $5,202 | 6.500% |
| CROSSCOUNTRY MORTGAGE, INC. | 106 | $7,971 | 6.575% |
| Fairway Independent Mortgage Corporation | 90 | $4,586 | 6.625% |
| River Bank & Trust | 84 | — | 5.990% |
| Regions Bank | 84 | — | 5.813% |
| 21st Mortgage Corporation | 67 | — | 9.490% |
What lenders charged here
Lender fees on a $205,000 loan, based on what was actually charged in Elmore County — not a rule of thumb.
From 1,776 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