Mortgage lending in Etowah County
2,050 mortgages were originated in Etowah 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
- 2,050
- Median rate
- 6.624%
- Median lender fees
- $5,391
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)
- 0.447
- 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
- Median home price
- $258,000
- That home, 20% down
- $206,400
A median-priced home with 20% down leaves $626,350 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 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, 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