Mortgage lending in Mobile County
7,860 mortgages were originated in Mobile 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
- 7,860
- Median rate
- 6.625%
- Median lender fees
- $5,650
- Median loan amount
- $175,000
- Median spread over APOR
- 0.346
- Paid discount points
- 41%
- Received lender credits
- 22%
- Purchases / refinances
- 54.1% / 28.3%
- Conventional / FHA / VA
- 63.2% / 24.6% / 10.9%
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 70.5% 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 Mobile County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Rocket Mortgage, LLC | 596 | $5,377 | 6.500% |
| Regions Bank | 504 | $2,476 | 4.990% |
| Trustmark National Bank | 383 | $3,957 | 6.500% |
| DHI MORTGAGE COMPANY, LTD. | 303 | $6,470 | 4.990% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 284 | $7,778 | 6.250% |
| EMBRACE HOME LOANS, INC. | 230 | $7,093 | 6.625% |
| PNC Bank, National Association | 186 | — | 7.800% |
| GMFS LLC | 178 | $4,383 | 6.490% |
| Community Bank of Mississippi | 170 | $3,263 | 7.188% |
| Mortgage Research Center, LLC | 167 | $2,850 | 6.438% |
What lenders charged here
Lender fees on a $175,000 loan, based on what was actually charged in Mobile County — not a rule of thumb.
From 5,543 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