Mortgage lending in Limestone County
4,075 mortgages were originated in Limestone 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
- 4,075
- Median rate
- 6.250%
- Median lender fees
- $5,589
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
- $245,000
- Above the going rate (spread over APOR)
- 0.058
- Paid discount points
- 44.4%
- Received lender credits
- 26.8%
- Purchases / refinances
- 60.6% / 26%
- Conventional / FHA / VA
- 60.1% / 19.4% / 17.1%
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 77.5% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
- Median home price
- $295,000
- That home, 20% down
- $236,000
A median-priced home with 20% down leaves $596,750 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 Limestone County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| REDSTONE Federal Credit Union | 375 | $3,674 | 8.125% |
| United Shore Financial Services, LLC | 265 | $6,696 | 6.124% |
| Rocket Mortgage, LLC | 225 | $5,376 | 6.625% |
| Lennar Mortgage, LLC | 198 | $3,980 | 4.750% |
| Regions Bank | 136 | $3,292 | 4.990% |
| DHI Mortgage Company, Ltd. | 132 | $6,242 | 4.990% |
| Trustmark National Bank | 124 | $5,300 | 6.125% |
| Heritage Mortgage, LLC | 116 | $4,698 | 6.000% |
| Freedom Mortgage Corporation | 99 | $5,731 | 5.875% |
| Loandepot.Com, LLC | 93 | $8,395 | 5.750% |
What lenders charged here
Lender fees on a $245,000 loan, based on what was actually charged in Limestone County — not a rule of thumb.
From 3,159 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