Mortgage lending in Birmingham, AL
27,350 mortgages were originated in the Birmingham, AL area in 2025, and here is what they cost.
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
- 27,350
- Median rate
- 6.500%
- Median lender fees
- $5,255
- Median loan amount
- $195,000
- Median spread over APOR
- 0.250
- Paid discount points
- 35.8%
- Received lender credits
- 23.7%
- Purchases / refinances
- 53.8% / 26.5%
- Conventional / FHA / VA
- 73.7% / 17.4% / 7.8%
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 66.2% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Birmingham, AL area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Regions Bank | 1,984 | $2,824 | 4.990% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 1,510 | $7,557 | 6.125% |
| Rocket Mortgage, LLC | 1,392 | $4,922 | 6.750% |
| AMERICA'S FIRST | 1,191 | $4,349 | 5.750% |
| Fairway Independent Mortgage Corporation | 802 | $5,072 | 6.625% |
| Cadence Bank | 737 | $4,397 | 6.670% |
| AVADIAN | 679 | $3,605 | 4.990% |
| FirstBank | 654 | $4,424 | 6.500% |
| DHI MORTGAGE COMPANY, LTD. | 497 | $7,080 | 4.990% |
| Renasant Bank | 490 | $5,298 | 6.625% |