Mortgage lending in Marshall County
2,206 mortgages were originated in Marshall 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
- 2,206
- Median rate
- 6.500%
- Median lender fees
- $6,490
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
- $195,000
- Above the going rate (spread over APOR)
- 0.357
- Paid discount points
- 42.1%
- Received lender credits
- 20.4%
- Purchases / refinances
- 50.1% / 36.7%
- Conventional / FHA / VA
- 66.7% / 19.4% / 11%
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 65.9% 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 Marshall County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| REDSTONE Federal Credit Union | 179 | $3,472 | 8.125% |
| Canopy Mortgage, LLC | 147 | $8,958 | 6.375% |
| Family Savings Credit Union | 140 | — | 6.500% |
| United Shore Financial Services, LLC | 114 | $6,892 | 6.125% |
| Rocket Mortgage, LLC | 113 | $5,344 | 6.625% |
| 2549005Z23HAAZ6QDM98 | 84 | $8,659 | 6.125% |
| Regions Bank | 83 | — | 4.990% |
| Liberty Bank | 81 | — | — |
| Cadence Bank | 59 | — | 7.500% |
| Mortgage Right | 52 | $8,329 | 6.313% |
What lenders charged here
Lender fees on a $195,000 loan, based on what was actually charged in Marshall County — not a rule of thumb.
From 1,453 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