Mortgage lending in Florence-Muscle Shoals, AL
3,964 mortgages were originated in the Florence-Muscle Shoals, 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
- 3,964
- Median rate
- 6.500%
- Median lender fees
- $4,941
- Median loan amount
- $155,000
- Median spread over APOR
- 0.243
- Paid discount points
- 29.8%
- Received lender credits
- 19.9%
- Purchases / refinances
- 47.6% / 38%
- Conventional / FHA / VA
- 72.6% / 18.9% / 7.3%
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 66.7% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Florence-Muscle Shoals, AL area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Bank Independent | 551 | $4,393 | 6.375% |
| Listerhill Credit Union | 376 | $2,697 | 5.990% |
| Trustmark National Bank | 246 | $5,115 | 6.375% |
| Rocket Mortgage, LLC | 225 | $5,514 | 6.625% |
| Assurance Financial Group, L.L.C. | 190 | $6,036 | 6.490% |
| Regions Bank | 188 | — | 4.990% |
| First Metro Bank | 120 | — | — |
| TOWNE MORTGAGE COMPANY | 89 | $5,865 | 5.990% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 84 | $7,611 | 6.125% |
| TVA COMMUNITY CREDIT UNION | 76 | $2,999 | 6.250% |