Albertville Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Albertville averaged
6.76%
for the week of 2025-07-03, compared to the national average of
6.67% for the same period.
The average rate for the prior week (2025-06-26) was
6.66% and
one month ago for the week of 2025-05-29, the
average rate was 6.88%.
Albertville's average rate one year ago was 7.05%.
For refis of the same type during the week of 2025-07-03, the average rate
was 7.01%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-07-03 | 6.67% |
| Albertville 30 Year Fixed Rate | 2025-07-03 | 6.76% |
| Albertville 30 Year Fixed Rate Refi | 2025-07-03 | 7.01% |
| Albertville 15 Year Fixed Rate | 2025-07-03 | 5.9% |
| Albertville 15 Year Fixed Rate Refi | 2025-07-03 | 6.2% |
| Albertville 30 Year FHA | 2025-07-03 | -0.22% |
| Albertville 30 Year FHA Refi | 2025-07-03 | 0% |
| Albertville 30 Year USDA | 2025-07-03 | -0.1% |
| Albertville 30 Year USDA Refi | 2025-07-03 | 0.2% |
| Albertville 30 Year VA | 2025-07-03 | 0.32% |
| Albertville 30 Year VA Refi | 2025-07-03 | -0.1% |
Albertville Top Lenders by Rates & Fees
The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the Albertville, AL market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).
Albertville Average Closing Costs & Other Stats
Albertville, AL's 88 lenders originated 1,994
loans during 2024. The total origination value was $399,700,000, with an average loan value of
$200,451.
Albertville's average closing costs are $5,293.
The top Albertville lender as defined by loan originations is CANOPY MORTGAGE, LLC, with
59 loans originated. Their average total fees are
$7,342, which is $432
higher than the next largest lender,
QUICKEN LOANS, LLC.
The lowest fee Albertville lenders (with over 10 loans originated) are
REDSTONE Federal Credit Union ($2,926), BancorpSouth ($3,973), Renasant Bank ($4,915), FAIRWAY INDEPENDENT MORTGAGE CORPORATION ($5,218) and FirstBank ($5,931).
The lowest rate Albertville lenders (with over 10 loans originated) are
MOVEMENT MORTGAGE, LLC (6.48%), Regions Bank (6.53%), QUICKEN LOANS, LLC (6.61%), GMFS LLC (6.66%) and Renasant Bank (6.68%).
Albertville, AL Mortgage Market Share & Volume
Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.
| Name | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| CANOPY MORTGAGE, LLC | $28,630,000 | n/a | 7.2% | |
| FAMILY SAVINGS | $15,875,000 | $27,955,000 | 76.1% | 7.0% |
| UNITED WHOLESALE MORTGAGE, LLC | $18,480,000 | $23,555,000 | 27.5% | 5.9% |
| REDSTONE Federal Credit Union | $18,670,000 | $22,865,000 | 22.5% | 5.7% |
| QUICKEN LOANS, LLC | $16,835,000 | $21,030,000 | 24.9% | 5.3% |
| TJC Mortgage, Inc. | $12,975,000 | $13,040,000 | 0.5% | 3.3% |
| FirstBank | $17,900,000 | $12,870,000 | -28.1% | 3.2% |
| Renasant Bank | $5,980,000 | $12,615,000 | 111.0% | 3.2% |
| BancorpSouth | $15,985,000 | $10,530,000 | -34.1% | 2.6% |
| GMFS LLC | $7,795,000 | $9,555,000 | 22.6% | 2.4% |
| Regions Bank | $10,615,000 | $9,400,000 | -11.4% | 2.4% |
| MOVEMENT MORTGAGE, LLC | $7,180,000 | $9,300,000 | 29.5% | 2.3% |
| TOWNE MORTGAGE COMPANY | $9,140,000 | n/a | 2.3% | |
| Liberty Bank | $9,755,000 | $8,210,000 | -15.8% | 2.1% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $21,335,000 | $7,895,000 | -63.0% | 2.0% |
| Mortgage Research Center, LLC | $8,680,000 | $7,260,000 | -16.4% | 1.8% |
| Victorian Finance, LLC | $5,140,000 | $5,960,000 | 16.0% | 1.5% |
| PENNYMAC LOAN SERVICES, LLC | $3,990,000 | $5,530,000 | 38.6% | 1.4% |
| Citizens Bank & Trust | $5,195,000 | $4,675,000 | -10.0% | 1.2% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $4,205,000 | $4,575,000 | 8.8% | 1.1% |
| Peoples Independent Bank | $3,835,000 | $4,205,000 | 9.6% | 1.1% |
| FREEDOM MORTGAGE CORPORATION | $1,550,000 | $4,005,000 | 158.4% | 1.0% |
| STOCKTON MORTGAGE CORPORATION | $175,000 | $3,840,000 | 2,094.3% | 1.0% |
| NAVY FEDERAL CREDIT UNION | $3,105,000 | $3,740,000 | 20.5% | 0.9% |
| LOANDEPOT.COM, LLC | $2,840,000 | $3,690,000 | 29.9% | 0.9% |
| Hamilton Mortgage Corporation | $4,240,000 | $3,665,000 | -13.6% | 0.9% |
| BROKER SOLUTIONS, INC. | $4,605,000 | $3,555,000 | -22.8% | 0.9% |
| 21ST MORTGAGE CORPORATION | $2,900,000 | $3,540,000 | 22.1% | 0.9% |
| Bryant Bank | $860,000 | $3,040,000 | 253.5% | 0.8% |
| NEWREZ LLC | $1,115,000 | $3,035,000 | 172.2% | 0.8% |
| Mr. Cooper ( Nationstar Mortgage ) | $2,595,000 | $2,920,000 | 12.5% | 0.7% |
| FIRST COMMUNITY MORTGAGE, INC. | $1,090,000 | $2,865,000 | 162.8% | 0.7% |
| Peoples Bank of Alabama | $3,510,000 | $2,790,000 | -20.5% | 0.7% |
| First Federal Bank, A FSB | $3,240,000 | $2,720,000 | -16.0% | 0.7% |
| The Loan Store, Inc. | $185,000 | $2,680,000 | 1,348.6% | 0.7% |
| INSPIRE HOME LOANS INC. | $1,760,000 | $2,670,000 | 51.7% | 0.7% |
| LAKEVIEW LOAN SERVICING, LLC | $380,000 | $2,390,000 | 528.9% | 0.6% |
| PNC Bank | $1,870,000 | $2,355,000 | 25.9% | 0.6% |
| UNION HOME MORTGAGE CORP. | $1,495,000 | $2,305,000 | 54.2% | 0.6% |
| Morgan Stanley Private Bank | $205,000 | $2,175,000 | 961.0% | 0.5% |
| VILLAGE CAPITAL MORTGAGE | $490,000 | $2,090,000 | 326.5% | 0.5% |
| CROSSCOUNTRY MORTGAGE, LLC | $2,265,000 | $1,995,000 | -11.9% | 0.5% |
| River Bank & Trust | $2,235,000 | $1,880,000 | -15.9% | 0.5% |
| ServisFirst Bank | $1,540,000 | $1,820,000 | 18.2% | 0.5% |
| DEEPHAVEN MORTGAGE LLC | $1,750,000 | n/a | 0.4% | |
| The Federal Savings Bank | $365,000 | $1,590,000 | 335.6% | 0.4% |
| GUILD MORTGAGE COMPANY | $2,040,000 | $1,540,000 | -24.5% | 0.4% |
| PLANET HOME LENDING, LLC | $845,000 | $1,535,000 | 81.7% | 0.4% |
| MORTGAGE INVESTORS GROUP, INC. | $2,475,000 | $1,510,000 | -39.0% | 0.4% |
| Bank Independent | $435,000 | $1,445,000 | 232.2% | 0.4% |
| Trustmark National Bank | $760,000 | $1,390,000 | 82.9% | 0.3% |
| EvaBank | $825,000 | $1,340,000 | 62.4% | 0.3% |
| Wells Fargo Bank | $2,705,000 | $1,255,000 | -53.6% | 0.3% |
| South State Bank | $1,155,000 | $1,250,000 | 8.2% | 0.3% |
| NEW DAY FINANCIAL, LLC | $360,000 | $1,235,000 | 243.1% | 0.3% |
| First National Bank of Pulaski | $7,950,000 | $1,210,000 | -84.8% | 0.3% |
| Truist | $755,000 | $1,210,000 | 60.3% | 0.3% |
| SouthPoint Bank | $2,635,000 | $1,205,000 | -54.3% | 0.3% |
| Synovus Bank | $2,800,000 | $1,190,000 | -57.5% | 0.3% |
| FIRST COLONY MORTGAGE CORPORATION | $355,000 | $1,180,000 | 232.4% | 0.3% |
| GUARANTEED RATE, INC. | $21,880,000 | $1,175,000 | -94.6% | 0.3% |
| Flagstar Bank, FSB | $585,000 | $1,130,000 | 93.2% | 0.3% |
| First Horizon Bank | $710,000 | $1,110,000 | 56.3% | 0.3% |
| Nations Lending Corporation | $75,000 | $1,110,000 | 1,380.0% | 0.3% |
| Plains Commerce Bank | $155,000 | $1,055,000 | 580.6% | 0.3% |
| USAA Federal Savings Bank | $965,000 | $1,050,000 | 8.8% | 0.3% |
| Consumer First Mortgage, Inc. | $145,000 | $990,000 | 582.8% | 0.2% |
| The Hometown Bank of Alabama | $2,775,000 | $935,000 | -66.3% | 0.2% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $635,000 | $870,000 | 37.0% | 0.2% |
| First South Farm Credit, ACA | $350,000 | $860,000 | 145.7% | 0.2% |
| Arvest Bank | $850,000 | n/a | 0.2% | |
| Figure Lending LLC | $370,000 | $815,000 | 120.3% | 0.2% |
| AMERICAN PORTFOLIO MORTGAGE CORPORATION | $1,265,000 | $800,000 | -36.8% | 0.2% |
| Discover Bank | $215,000 | $775,000 | 260.5% | 0.2% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $775,000 | n/a | 0.2% | |
| ALAMEDA MORTGAGE CORPORATION | $735,000 | n/a | 0.2% | |
| HOMESIDE FINANCIAL, LLC | $700,000 | n/a | 0.2% | |
| AVADIAN | $165,000 | $695,000 | 321.2% | 0.2% |
| SOUTHWEST STAGE FUNDING, LLC | $1,205,000 | $695,000 | -42.3% | 0.2% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | $665,000 | n/a | 0.2% | |
| Leader Bank | $655,000 | n/a | 0.2% | |
| Family Security Credit Union | $550,000 | $645,000 | 17.3% | 0.2% |
| SUCCESS MORTGAGE PARTNERS, INC. | $505,000 | $605,000 | 19.8% | 0.2% |
| PREMIER LENDING, INC. | $585,000 | n/a | 0.1% | |
| JPMorgan Chase Bank | $155,000 | $580,000 | 274.2% | 0.1% |
| ALABAMA TEACHERS | $2,750,000 | $560,000 | -79.6% | 0.1% |
| North American Savings Bank, F.S.B. | $425,000 | $545,000 | 28.2% | 0.1% |
| FBC MORTGAGE, LLC | $1,075,000 | $525,000 | -51.2% | 0.1% |
| MILEND, INC. | $320,000 | $525,000 | 64.1% | 0.1% |
| CSL Financial, LLC | $170,000 | $520,000 | 205.9% | 0.1% |
| Assurance Financial Group, L.L.C. | $1,415,000 | $515,000 | -63.6% | 0.1% |
| Metro Bank | $515,000 | n/a | 0.1% | |
| NFM, INC. | $505,000 | $505,000 | 0.0% | 0.1% |
| Prosperity Home Mortgage, LLC | $195,000 | $490,000 | 151.3% | 0.1% |
| NATIONWIDE MORTGAGE BANKERS, INC. | $475,000 | n/a | 0.1% | |
| ACOPIA, LLC | $275,000 | $470,000 | 70.9% | 0.1% |
| THE MORTGAGE LINK, INC. | $470,000 | n/a | 0.1% | |
| LEADERONE FINANCIAL CORPORATION | $460,000 | n/a | 0.1% | |
| Hometown Equity Mortgage, LLC | $440,000 | n/a | 0.1% | |
| GUARANTEED RATE AFFINITY, LLC | $1,155,000 | $425,000 | -63.2% | 0.1% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $445,000 | $415,000 | -6.7% | 0.1% |
| EMBRACE HOME LOANS, INC. | $405,000 | n/a | 0.1% | |
| Gulf Coast Bank and Trust Company | $395,000 | n/a | 0.1% | |
| CIS Financial Services, Inc. | $890,000 | $390,000 | -56.2% | 0.1% |
| GEORGIA'S OWN | $380,000 | n/a | 0.1% | |
| Magnolia Bank | $480,000 | $380,000 | -20.8% | 0.1% |
| OCMBC, INC. | $380,000 | n/a | 0.1% | |
| First National Bank of America | $175,000 | $360,000 | 105.7% | 0.1% |
| SmartBank | $360,000 | n/a | 0.1% | |
| AMERICAN FINANCING CORPORATION | $365,000 | $355,000 | -2.7% | 0.1% |
| AMERICAN HERITAGE LENDING, INC. | $125,000 | $350,000 | 180.0% | 0.1% |
| Total Media Management, LLC | $325,000 | $350,000 | 7.7% | 0.1% |
| CONTOUR MORTGAGE CORPORATION | $345,000 | n/a | 0.1% | |
| AMERICAN FINANCIAL RESOURCES, INC. | $105,000 | $340,000 | 223.8% | 0.1% |
| LENDINGHOME FUNDING CORPORATION | $340,000 | n/a | 0.1% | |
| MID AMERICA MORTGAGE, INC. | $335,000 | n/a | 0.1% | |
| ROYAL UNITED MORTGAGE LLC | $335,000 | n/a | 0.1% | |
| LIMA ONE CAPITAL, LLC | $325,000 | n/a | 0.1% | |
| RELIANCE FIRST CAPITAL, LLC | $320,000 | n/a | 0.1% | |
| EMM LOANS LLC | $235,000 | $315,000 | 34.0% | 0.1% |
| EVERETT FINANCIAL, INC. | $255,000 | $315,000 | 23.5% | 0.1% |
| GENEVA FINANCIAL, LLC | $315,000 | n/a | 0.1% | |
| NBKC BANK | $890,000 | $315,000 | -64.6% | 0.1% |
| Peoples Bank | $315,000 | n/a | 0.1% | |
| Citadel Servicing Corporation | $145,000 | $310,000 | 113.8% | 0.1% |
| BankFirst Financial Services | $305,000 | n/a | 0.1% | |
| First United Bank and Trust Company | $575,000 | $305,000 | -47.0% | 0.1% |
| PENTAGON FEDERAL CREDIT UNION | $305,000 | $305,000 | 0.0% | 0.1% |
| AMERICA'S FIRST | $300,000 | n/a | 0.1% | |
| Coastal Community Bank | $205,000 | $300,000 | 46.3% | 0.1% |
| Florida Capital Bank | $285,000 | n/a | 0.1% | |
| HOMEXPRESS MORTGAGE CORP. | $275,000 | n/a | 0.1% | |
| BETTER MORTGAGE CORPORATION | $265,000 | n/a | 0.1% | |
| LOANFLIGHT LENDING, LLC | $265,000 | n/a | 0.1% | |
| RESIDENTIAL BANCORP | $215,000 | $265,000 | 23.3% | 0.1% |
| CITIZENS EQUITY FIRST | $260,000 | n/a | 0.1% | |
| AMERISAVE MORTGAGE CORPORATION | $1,455,000 | $255,000 | -82.5% | 0.1% |
| SeaTrust Mortgage Company | $255,000 | n/a | 0.1% | |
| Traditions Bank | $340,000 | $250,000 | -26.5% | 0.1% |
| ISERVE RESIDENTIAL LENDING, LLC | $195,000 | $245,000 | 25.6% | 0.1% |
| Metro City Bank | $175,000 | $245,000 | 40.0% | 0.1% |
| SUMMIT FUNDING, INC. | $245,000 | n/a | 0.1% | |
| TRIAD FINANCIAL SERVICES, INC. | $695,000 | $240,000 | -65.5% | 0.1% |
| DELTA COMMUNITY CREDIT UNION | $225,000 | n/a | 0.1% | |
| Citizens Bank | $740,000 | $205,000 | -72.3% | 0.1% |
| United Community Bank | $1,715,000 | $205,000 | -88.0% | 0.1% |
| AMERICAN FINANCIAL NETWORK, INC. | $450,000 | $200,000 | -55.6% | 0.1% |
| T2 FINANCIAL LLC | $195,000 | n/a | 0.0% | |
| BANKSOUTH MORTGAGE COMPANY, LLC | $565,000 | $185,000 | -67.3% | 0.0% |
| AmeriHome Mortgage Company, LLC | $215,000 | $175,000 | -18.6% | 0.0% |
| CMG MORTGAGE, INC. | $175,000 | n/a | 0.0% | |
| CB&S Bank, Inc. | $790,000 | $170,000 | -78.5% | 0.0% |
| ENDEAVOR CAPITAL, LLC. | $165,000 | n/a | 0.0% | |
| Equity Prime Mortgage LLC | $175,000 | $165,000 | -5.7% | 0.0% |
| Fifth Third Bank | $165,000 | n/a | 0.0% | |
| S1L, Inc. | $185,000 | $165,000 | -10.8% | 0.0% |
| FIRST BANCORP | $155,000 | n/a | 0.0% | |
| POLARIS HOME FUNDING CORP. | $155,000 | n/a | 0.0% | |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $145,000 | n/a | 0.0% | |
| Pinnacle Bank | $275,000 | $145,000 | -47.3% | 0.0% |
| SPRING EQ, LLC | $165,000 | $140,000 | -15.2% | 0.0% |
| U.S. Bank | $490,000 | $140,000 | -71.4% | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | $135,000 | n/a | 0.0% | |
| FEDEX EMPLOYEES CREDIT ASSOCIATION | $135,000 | n/a | 0.0% | |
| RUOFF MORTGAGE COMPANY, INC. | $135,000 | n/a | 0.0% | |
| Carrington Mortgage Services, LLC | $1,660,000 | $125,000 | -92.5% | 0.0% |
| Legends Bank | $315,000 | $115,000 | -63.5% | 0.0% |
| AlaTrust Credit Union | $105,000 | n/a | 0.0% | |
| Home Mortgage Alliance Corp | $105,000 | n/a | 0.0% | |
| LAND HOME FINANCIAL SERVICES, INC. | $105,000 | n/a | 0.0% | |
| LONGBRIDGE FINANCIAL, LLC | $65,000 | $95,000 | 46.2% | 0.0% |
| MidFirst Bank | $95,000 | n/a | 0.0% | |
| Century Mortgage Company DBA Century Lending Company | $745,000 | $85,000 | -88.6% | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | $435,000 | $85,000 | -80.5% | 0.0% |
| TOP FLITE FINANCIAL, INC. | $240,000 | $85,000 | -64.6% | 0.0% |
| LEGACY COMMUNITY FEDERAL CREDIT UNION | $75,000 | n/a | 0.0% | |
| North Alabama Bank | $125,000 | $75,000 | -40.0% | 0.0% |
| ALABAMA CREDIT UNION | $170,000 | $65,000 | -61.8% | 0.0% |
| TVA Community Credit Union | $65,000 | n/a | 0.0% | |
| West Alabama Bank & Trust | $65,000 | n/a | 0.0% | |
| UNITED | $45,000 | n/a | 0.0% | |
| ATLANTA POSTAL | $35,000 | n/a | 0.0% | |
| Listerhill Credit Union | $35,000 | n/a | 0.0% | |
| Bank of America | $370,000 | $25,000 | -93.2% | 0.0% |
| UNIFY FINANCIAL Credit Union | $145,000 | $25,000 | -82.8% | 0.0% |
Albertville's top lender by overall market share is CANOPY MORTGAGE, LLC, with 7.2% market share. In second place, with 7.0%, is FAMILY SAVINGS, having originated $27,955,000 in loans. In third place, with 5.9%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $23,555,000 in loans. In fourth place, with 5.7%, is REDSTONE Federal Credit Union, having originated $22,865,000 in loans. In fifth place, with 5.3%, is QUICKEN LOANS, LLC, having originated $21,030,000 in loans.
Albertville, AL Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 1,022 | $243,540,000 | $238,297 |
| Refi | 351 | $71,155,000 | $202,721 |
| Cash Out Refi | 317 | $59,215,000 | $186,798 |
| Other | 173 | $14,765,000 | $85,347 |
| Home Improvement | 131 | $11,025,000 | $84,160 |
Albertville's most frequently cited loan purpose was Home Purchase, with 1,022 originations. The 2nd most popular reason was Refi, with 351 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 797 | $192,085,000 | $241,010 |
| Over 8% | 438 | $41,650,000 | $95,091 |
| 7-8% | 311 | $63,865,000 | $205,354 |
| 5-6% | 281 | $69,265,000 | $246,495 |
| 4-5% | 18 | $4,990,000 | $277,222 |
| <2.5% | 2 | $710,000 | $355,000 |
| 3-4% | 2 | $470,000 | $235,000 |
| 2.5-3% | 2 | $800,000 | $400,000 |
During 2024, Albertville's most frequently originated rate bucket was 6-7%, with 797 originations.
Loan Sizing (Albertville, AL MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $100k-200k | 684 | $101,100,000 | $147,807 |
| $200k-400k | 622 | $170,980,000 | $274,887 |
| $100,000 or less | 512 | $27,950,000 | $54,590 |
| $400k-600k | 124 | $58,730,000 | $473,629 |
| $600k-1000k | 45 | $32,495,000 | $722,111 |
| $Over $1MM | 7 | $8,445,000 | $1,206,429 |
Albertville's loan sizing saw the bucket of loans from $100k-200k with 684 originations, totaling $101,100,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 794 | $198,820,000 | $250,403 |
| 60-80% | 392 | $95,800,000 | $244,388 |
| 20-40% | 229 | $25,105,000 | $109,629 |
| Under 20% | 226 | $9,990,000 | $44,204 |
| 40-60% | 152 | $28,980,000 | $190,658 |
| Over 100% | 32 | $9,230,000 | $288,438 |
Albertville's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 794 originations, totaling $198,820,000 in origination value.