Mortgage lending in St. Clair County
2,689 mortgages were originated in St. Clair 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
- 2,689
- Median rate
- 6.490%
- Median lender fees
- $6,100
- Median loan amount
- $205,000
- Median spread over APOR
- 0.248
- Paid discount points
- 39.9%
- Received lender credits
- 24.8%
- Purchases / refinances
- 58.9% / 25.5%
- Conventional / FHA / VA
- 62.8% / 23.7% / 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 72.5% 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 St. Clair County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Rocket Mortgage, LLC | 155 | $5,128 | 6.750% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 152 | $7,522 | 6.110% |
| Regions Bank | 121 | — | 4.990% |
| DHI MORTGAGE COMPANY, LTD. | 111 | $6,326 | 4.990% |
| AMERICA'S FIRST | 108 | — | 5.750% |
| Metro Bank | 105 | — | — |
| SouthPoint Bank | 83 | $4,731 | 6.250% |
| Fairway Independent Mortgage Corporation | 64 | $5,451 | 6.490% |
| LENDLO MORTGAGE, LLC | 54 | $8,654 | 5.750% |
| FREEDOM MORTGAGE CORPORATION | 51 | $8,363 | 5.875% |
What lenders charged here
Lender fees on a $205,000 loan, based on what was actually charged in St. Clair County — not a rule of thumb.
From 1,950 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