Mortgage lending in Decatur, AL
3,563 mortgages were originated in the Decatur, 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
- 3,563
- Median rate
- 6.625%
- Median lender fees
- $5,340
- Median loan amount
- $175,000
- Median spread over APOR
- 0.437
- Paid discount points
- 36%
- Received lender credits
- 20.6%
- Purchases / refinances
- 51.9% / 31.7%
- Conventional / FHA / VA
- 69.1% / 20.6% / 9.5%
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 68.7% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Decatur, AL area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| REDSTONE Federal Credit Union | 319 | $3,586 | 8.125% |
| Rocket Mortgage, LLC | 259 | $5,449 | 6.500% |
| Regions Bank | 177 | — | 5.000% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 149 | $6,592 | 6.124% |
| Broker Solutions, Inc. | 120 | $5,502 | 6.750% |
| Bank Independent | 115 | $5,050 | 6.500% |
| Renasant Bank | 90 | — | 7.063% |
| Mortgage Research Center, LLC | 76 | $2,359 | 6.250% |
| River Bank & Trust | 76 | — | 6.750% |
| Synovus Bank | 73 | $5,613 | 6.250% |