Mortgage lending in Etowah County
2,050 mortgages were originated in Etowah 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
- 2,050
- Median rate
- 6.624%
- Median lender fees
- $5,391
- Median loan amount
- $155,000
- Median spread over APOR
- 0.447
- Paid discount points
- 33.4%
- Received lender credits
- 19.7%
- Purchases / refinances
- 52.7% / 29.4%
- Conventional / FHA / VA
- 66.5% / 22% / 9.5%
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 68.1% 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 Etowah County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| FAMILY SAVINGS CREDIT UNION | 154 | — | 7.750% |
| Emblem Credit Union | 124 | — | 7.250% |
| Rocket Mortgage, LLC | 120 | $4,885 | 6.625% |
| Regions Bank | 114 | — | 5.938% |
| Renasant Bank | 80 | $5,650 | 6.250% |
| First Federal Bank, A FSB | 74 | $7,230 | 6.000% |
| KIND LENDING, LLC | 69 | $6,339 | 6.625% |
| TOWNE MORTGAGE COMPANY | 68 | $5,726 | 6.433% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 61 | $7,880 | 6.250% |
| GUILD MORTGAGE COMPANY | 58 | $7,015 | 6.500% |
What lenders charged here
Lender fees on a $155,000 loan, based on what was actually charged in Etowah County — not a rule of thumb.
From 1,397 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