Mortgage lending in Jefferson County
14,241 mortgages were originated in Jefferson 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
- 14,241
- Median rate
- 6.500%
- Median lender fees
- $4,947
- Median loan amount
- $185,000
- Median spread over APOR
- 0.224
- Paid discount points
- 34%
- Received lender credits
- 22.5%
- Purchases / refinances
- 52.2% / 27.5%
- Conventional / FHA / VA
- 77.3% / 15.7% / 6.7%
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 63.8% 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 Jefferson County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Regions Bank | 1,098 | $2,915 | 4.990% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 793 | $7,601 | 6.250% |
| AMERICA'S FIRST | 738 | $3,937 | 5.750% |
| Rocket Mortgage, LLC | 674 | $4,589 | 6.875% |
| Cadence Bank | 510 | $4,399 | 6.670% |
| Fairway Independent Mortgage Corporation | 489 | $5,154 | 6.625% |
| SouthState Bank, National Association | 393 | $3,232 | 6.375% |
| AVADIAN | 330 | $3,182 | 4.990% |
| FirstBank | 317 | $4,179 | 6.250% |
| Renasant Bank | 316 | $5,168 | 6.625% |
What lenders charged here
Lender fees on a $185,000 loan, based on what was actually charged in Jefferson County — not a rule of thumb.
From 9,088 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