Mortgage lending in Lee County
4,653 mortgages were originated in Lee 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
- 4,653
- Median rate
- 6.590%
- Median lender fees
- $6,039
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
- $255,000
- Above the going rate (spread over APOR)
- 0.218
- Paid discount points
- 45.1%
- Received lender credits
- 31%
- Purchases / refinances
- 60.1% / 25.6%
- Conventional / FHA / VA
- 68.9% / 13.5% / 17%
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 71.9% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
- Median home price
- $371,000
- That home, 20% down
- $296,800
A median-priced home with 20% down leaves $535,950 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 Lee County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| CMG Mortgage, Inc. | 392 | $8,288 | 6.500% |
| Rocket Mortgage, LLC | 275 | $5,216 | 6.500% |
| River Bank & Trust | 207 | — | 7.500% |
| United Shore Financial Services, LLC | 189 | $7,372 | 6.125% |
| Renasant Bank | 182 | $4,885 | 6.625% |
| Trustmark National Bank | 158 | $6,337 | 6.500% |
| Canopy Mortgage, LLC | 154 | $11,995 | 6.250% |
| Pennymac Loan Services, LLC | 144 | $4,836 | 6.624% |
| Vanderbilt Mortgage And Finance, Inc. | 131 | $5,261 | 7.625% |
| Guild Mortgage Company | 108 | $7,541 | 6.375% |
What lenders charged here
Lender fees on a $255,000 loan, based on what was actually charged in Lee County — not a rule of thumb.
From 3,344 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