Mortgage lending in Houston County
2,524 mortgages were originated in Houston 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
- 2,524
- Median rate
- 6.714%
- Median lender fees
- $4,901
- Median loan amount
- $165,000
- Median spread over APOR
- 0.362
- Paid discount points
- 32.2%
- Received lender credits
- 25.2%
- Purchases / refinances
- 52.2% / 28.8%
- Conventional / FHA / VA
- 65.1% / 16.6% / 17.3%
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 62.9% 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 Houston County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| ALL IN FEDERAL CREDIT UNION | 211 | — | 7.500% |
| Mortgage Research Center, LLC | 138 | $3,156 | 6.250% |
| Rocket Mortgage, LLC | 135 | $5,753 | 6.625% |
| Regions Bank | 96 | — | 6.063% |
| MOVEMENT MORTGAGE, LLC | 96 | $7,487 | 6.750% |
| Fairway Independent Mortgage Corporation | 90 | $6,079 | 6.625% |
| INTERLINC MORTGAGE SERVICES, LLC | 87 | $3,568 | 6.750% |
| River Bank & Trust | 82 | — | 6.813% |
| Five Star Credit Union | 69 | — | — |
| UNITED SHORE FINANCIAL SERVICES, LLC | 64 | $6,418 | 6.124% |
What lenders charged here
Lender fees on a $165,000 loan, based on what was actually charged in Houston County — not a rule of thumb.
From 1,587 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