Mortgage lending in Daphne-Fairhope-Foley, AL
8,846 mortgages were originated in the Daphne-Fairhope-Foley, AL area in 2025, and here is what they cost.
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
- 8,846
- Median rate
- 6.625%
- Median lender fees
- $5,310
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
- $265,000
- Above the going rate (spread over APOR)
- 0.226
- Paid discount points
- 40.2%
- Received lender credits
- 22.7%
- Purchases / refinances
- 60.6% / 24.2%
- Conventional / FHA / VA
- 71.3% / 15.7% / 11.8%
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 74% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Daphne-Fairhope-Foley, AL area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| DHI Mortgage Company, Ltd. | 676 | $5,974 | 4.990% |
| Rocket Mortgage, LLC | 556 | $4,867 | 6.750% |
| Regions Bank | 386 | $3,709 | 5.875% |
| United Shore Financial Services, LLC | 353 | $7,747 | 6.125% |
| Trustmark National Bank | 278 | $3,914 | 6.875% |
| Navy Federal Credit Union | 208 | $2,131 | 7.250% |
| Community Bank of Mississippi | 200 | $4,013 | 7.000% |
| Lennar Mortgage, LLC | 194 | $5,493 | 4.500% |
| Cadence Bank | 173 | $4,499 | 6.900% |
| PNC Bank, National Association | 155 | — | 7.730% |