Mortgage lending in Madison County
12,301 mortgages were originated in Madison 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
- 12,301
- Median rate
- 6.490%
- Median lender fees
- $5,168
- Median loan amount
- $235,000
- Median spread over APOR
- 0.120
- Paid discount points
- 40.3%
- Received lender credits
- 24.8%
- Purchases / refinances
- 55.4% / 28.2%
- Conventional / FHA / VA
- 66.3% / 14.5% / 17.9%
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 72.2% 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 Madison County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| REDSTONE Federal Credit Union | 1,563 | $3,551 | 8.125% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 784 | $6,095 | 6.124% |
| Rocket Mortgage, LLC | 739 | $5,008 | 6.625% |
| Regions Bank | 507 | $3,333 | 4.990% |
| LENNAR MORTGAGE, LLC | 379 | $3,892 | 4.750% |
| DHI MORTGAGE COMPANY, LTD. | 312 | $5,670 | 4.990% |
| FirstBank | 306 | $4,296 | 6.500% |
| CANOPY MORTGAGE, LLC | 285 | $10,409 | 6.000% |
| STOCKTON MORTGAGE CORPORATION | 282 | $7,372 | 6.313% |
| Trustmark National Bank | 249 | $4,728 | 6.250% |
What lenders charged here
Lender fees on a $235,000 loan, based on what was actually charged in Madison County — not a rule of thumb.
From 8,884 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