Mortgage lending in Lauderdale County
2,433 mortgages were originated in Lauderdale 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
- 2,433
- Median rate
- 6.499%
- Median lender fees
- $4,909
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
- $165,000
- Above the going rate (spread over APOR)
- 0.204
- Paid discount points
- 28.3%
- Received lender credits
- 20%
- Purchases / refinances
- 46.1% / 38.3%
- Conventional / FHA / VA
- 74.6% / 16.9% / 6.9%
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 64.7% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
- Median home price
- $190,000
- That home, 20% down
- $152,000
A median-priced home with 20% down leaves $680,750 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 Lauderdale County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Bank Independent | 370 | $4,413 | 6.375% |
| Listerhill Credit Union | 214 | $2,583 | 5.750% |
| Rocket Mortgage, LLC | 149 | $5,568 | 6.750% |
| Trustmark National Bank | 137 | $4,894 | 6.375% |
| Regions Bank | 125 | — | 4.990% |
| Assurance Financial Group, L.L.C. | 93 | $5,283 | 6.490% |
| Towne Mortgage Company | 69 | $5,304 | 5.990% |
| First Metro Bank | 64 | — | — |
| United Community Bank | 55 | — | 6.500% |
| United Shore Financial Services, LLC | 50 | — | 6.125% |
What lenders charged here
Lender fees on a $165,000 loan, based on what was actually charged in Lauderdale County — not a rule of thumb.
From 1,575 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