Mortgage lending in Anniston-Oxford, AL

2,149 mortgages were originated in the Anniston-Oxford, AL area in 2025, and here is what they cost.

Loans originated

2,149

Median rate

6.500%

Median lender fees

$5,705

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

$155,000

Above the going rate (spread over APOR)

0.439

Paid discount points

39.2%

Received lender credits

24.8%

Purchases / refinances

56.4% / 30.3%

Conventional / FHA / VA

56.4% / 26.3% / 14.1%

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 75% of loans here — see methodology.

Who lent here

Lenders with at least 50 loans in the Anniston-Oxford, AL area, ranked by volume.