What people paid for mortgages in Shelby County, AL (2025)
Across 3,267 closed home-purchase loans in 2025, the median interest rate in Shelby was 6.375%, and the middle half of borrowers got between 5.99% and 6.75%. Median total loan costs ran $5,827 on a median loan of $305,000. Source: federal HMDA filings on first-lien, owner-occupied loans.
Home purchase
- Median rate
- 6.375%
- Middle half of rates
- 5.99%–6.75%
- Median total loan costs
- $5,827
- Median loan amount
- $305,000
3,267 loans, 2025.
Refinance
- Median rate
- 6.25%
- Middle half of rates
- 5.75%–6.75%
- Median total loan costs
- $6,845
- Median loan amount
- $275,000
1,144 loans, 2025.
Lowest median rates in Shelby (2025)
The lenders whose own closed loans had the lowest median interest rate here, among lenders with enough local volume for the median to mean something. A low median is a reason to include that lender when you collect Loan Estimates; it is not a promise about the rate you will be quoted. An independent mortgage broker can pull quotes from several lenders at once on one application.
Home purchase
- 1.DHI MORTGAGE COMPANY, LTD.4.99%229 loans, median costs $7,459
- 2.AVADIAN6.062%40 loans, median costs $3,256
- 3.UNITED SHORE FINANCIAL SERVICES, LLCbroker only6.125%185 loans, median costs $8,456
- 4.FBC MORTGAGE, LLC6.125%112 loans, median costs $8,382
- 5.Mortgage Research Center, LLC6.25%42 loans, median costs $3,512
Among lenders with at least 30 closed purchase loans in Shelby County in 2025.
Refinance
- 1.UNITED SHORE FINANCIAL SERVICES, LLCbroker only5.75%124 loans, median costs $7,670
- 2.Regions Bank5.875%87 loans, median costs $0
- 3.PENNYMAC LOAN SERVICES, LLC5.875%39 loans, median costs $7,662
- 4.Rocket Mortgage, LLC6.25%150 loans, median costs $7,844
- 5.FREEDOM MORTGAGE CORPORATION6.25%69 loans, median costs $8,154
Among lenders with at least 30 closed refinance loans in Shelby County in 2025.
Lender by lender in Shelby
Every lender that closed at least 5 qualifying loans in Shelby County in 2025, sorted by loan count. The # column is the lender's rank here by closed loans for the selected purpose. Median origination is the lender's own charges (Loan Estimate section A); median points is the discount-points portion. Lenders marked "broker only" fund loans through independent mortgage brokers rather than taking applications directly.
| # | Lender | Loans | Median rate | Median total costs | Median origination | Median points |
|---|---|---|---|---|---|---|
| 1 | DHI MORTGAGE COMPANY, LTD. | 229 | 4.99% | $7,459 | $0 | $6,675 |
| 2 | UNITED SHORE FINANCIAL SERVICES, LLCbroker only | 185 | 6.125% | $8,456 | $4,046 | $2,062 |
| 3 | Fairway Independent Mortgage Corporation | 169 | 6.625% | $4,652 | $2,141 | $1,702 |
| 4 | FirstBank | 149 | 6.49% | $5,101 | $1,350 | $1,796 |
| 5 | Regions Bank | 114 | 6.375% | $3,834 | $1,486 | $1,075 |
| 6 | FBC MORTGAGE, LLC | 112 | 6.125% | $8,382 | $2,931 | $5,873 |
| 7 | Prosperity Home Mortgage, LLC | 99 | 6.5% | $5,195 | $1,688 | $1,366 |
| 8 | SouthPoint Bank | 97 | 6.375% | $5,366 | $1,245 | $3,737 |
| 9 | GUILD MORTGAGE COMPANY | 87 | 6.5% | $5,930 | $2,015 | $1,997 |
| 10 | UNION HOME MORTGAGE CORP. | 85 | 6.625% | $7,832 | $4,037 | $1,668 |
| 11 | Cadence Bank | 85 | 6.375% | $4,306 | $1,370 | $2,000 |
| 12 | MOVEMENT MORTGAGE, LLC | 82 | 6.625% | $5,664 | $2,106 | $1,172 |
| 13 | VANDERBILT MORTGAGE AND FINANCE, INC. | 80 | 6.625% | $5,669 | $1,895 | $2,702 |
| 14 | Trustmark National Bank | 79 | 6.375% | $3,717 | $1,290 | $722 |
| 15 | Rocket Mortgage, LLC | 75 | 6.5% | $6,869 | $3,722 | $3,356 |
| 16 | Renasant Bank | 74 | 6.625% | $5,292 | $1,890 | $1,279 |
| 17 | Mortgage Right | 56 | 6.625% | $7,228 | $4,168 | $3,247 |
| 18 | PENNYMAC LOAN SERVICES, LLC | 46 | 6.375% | $6,673 | $2,085 | $1,158 |
| 19 | Assurance Financial Group, L.L.C. | 44 | 6.812% | $6,642 | $3,132 | $1,796 |
| 20 | Mortgage Research Center, LLC | 42 | 6.25% | $3,512 | $0 | $803 |
| 21 | AVADIAN | 40 | 6.062% | $3,256 | $950 | $9,225 |
| 22 | First Federal Bank, A FSB | 38 | 6.375% | $4,519 | $2,004 | $1,718 |
| 23 | STOCKTON MORTGAGE CORPORATION | 35 | 6.75% | $9,644 | $4,560 | $2,940 |
| 24 | CROSSCOUNTRY MORTGAGE, INC. | 35 | 6.575% | $4,799 | $1,885 | $2,730 |
| 25 | Navy Federal Credit Union | 32 | 6.25% | $2,606 | $0 | $525 |
| 26 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 28 | 6.5% | $6,633 | $1,272 | $456 |
| 27 | THE LOAN STORE, INC.broker only | 26 | 6.25% | $8,462 | $3,247 | $2,228 |
| 28 | CANOPY MORTGAGE, LLC | 25 | 6.125% | $11,563 | $5,730 | $4,235 |
| 29 | The Local Lender, LLC | 24 | 6.495% | $5,377 | $2,835 | $2,725 |
| 30 | CMG MORTGAGE, INC. | 24 | 6.25% | $12,769 | $5,605 | $4,371 |
| 31 | GMFS LLC | 24 | 6.25% | $5,189 | $2,676 | $2,067 |
| 32 | LEADERONE FINANCIAL CORPORATION | 23 | 6.75% | $7,565 | $2,619 | $3,600 |
| 33 | AMERICA'S FIRST | 23 | 6.25% | $4,611 | $2,859 | n/a |
| 34 | Plains Commerce Bank | 23 | 6.625% | $6,067 | $1,713 | $940 |
| 35 | 21st Mortgage Corporation | 23 | 9.5% | $6,247 | $4,500 | n/a |
| 36 | Loandepot.Com, LLC | 21 | 5.75% | $9,128 | $1,600 | $8,540 |
| 37 | BoxCar Mortgage, LLC | 21 | 6.625% | n/a | $1,870 | $1,630 |
| 38 | GUARANTEED RATE, INC. | 21 | 6.875% | $6,999 | $3,506 | $2,317 |
| 39 | USAA Federal Savings Bank | 21 | 6.125% | $3,459 | $1,309 | $1,554 |
| 40 | Broker Solutions, Inc. | 20 | 6.562% | $8,405 | $3,197 | $2,032 |
What these numbers are, and are not
Everything above is computed from the FFIEC's HMDA Modified Loan/Application Register, the public loan-level file nearly every mortgage lender must submit each year, filtered to originated, first-lien, owner-occupied principal-residence loans that were not business-purpose or reverse mortgages. Groups smaller than 5 loans are omitted. The methodology page documents every step.
The public file contains no credit scores, so differences between lenders mix true pricing differences with different customer bases: loan sizes, points paid, and borrower profiles all vary by lender. A median is context for your own quote, not a ranking and not an offer. Rates here are also a year's worth of closings blended together, while your quote reflects a single day's market.
Have a Loan Estimate in hand? The checker compares your quoted rate and origination charges against the Shelby figures above, in your browser, without storing anything.
Common questions
What mortgage rate did people get in Shelby County in 2025?
The median interest rate on closed home-purchase loans in Shelby County, Alabama in 2025 was 6.375%, across 3,267 first-lien, owner-occupied loans. The middle half of borrowers got between 5.99% and 6.75%.
Is this a rate I can get today?
No. These are medians of loans that already closed, under those borrowers' credit profiles, loan sizes, discount points, and lock dates. Rates also move daily. The way to learn your own number is to collect Loan Estimates from two or three lenders, which federal rules make close to free.
Why do lenders in the table show different rates?
Partly pricing, partly customer mix. Public HMDA data contains no credit scores, so a lender serving stronger-credit borrowers or larger loans will show a different median than one serving first-time buyers, at identical pricing. Use the table as a map of who is active locally and roughly where they land, not as a ranking.
Where do these numbers come from?
The FFIEC's public HMDA Modified Loan/Application Register, the loan-level data nearly every mortgage lender must file each year, filtered to originated, first-lien, owner-occupied, non-business, non-reverse loans, in groups of at least 5.