Scottsboro Mortgage Rates & Closing Costs

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    • 30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

    30 Year Fixed Rate mortgages in Scottsboro averaged 6.71% for the week of 2025-05-22, compared to the national average of 6.86% for the same period.

    The average rate for the prior week (2025-05-15) was 6.86% and one month ago for the week of 2025-04-17, the average rate was 7.08%.

    Scottsboro's average rate one year ago was 6.97%.

    For refis of the same type during the week of 2025-05-22, the average rate was 7.16%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2025-05-22 6.86%
    Scottsboro 30 Year Fixed Rate 2025-05-22 6.71%
    Scottsboro 30 Year Fixed Rate Refi 2025-05-22 7.16%
    Scottsboro 15 Year Fixed Rate 2025-05-22 6.11%
    Scottsboro 15 Year Fixed Rate Refi 2025-05-22 6.01%
    Scottsboro 30 Year FHA 2025-05-22 6.46%
    Scottsboro 30 Year FHA Refi 2025-05-22 6.41%
    Scottsboro 30 Year USDA 2025-05-22 6.53%
    Scottsboro 30 Year USDA Refi 2025-05-22 6.63%
    Scottsboro 30 Year VA 2025-05-22 6.72%
    Scottsboro 30 Year VA Refi 2025-05-22 6.52%
    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Scottsboro, AL.

    Scottsboro 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 Scottsboro, 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.).

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    REDSTONE Federal Credit Union 27 6.63% $2,955
    QUICKEN LOANS, LLC 22 7.03% $7,466
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 17 6.97% $5,314
    Renasant Bank 17 6.69% $4,951
    UNITED WHOLESALE MORTGAGE, LLC 15 6.75% $7,173
    CANOPY MORTGAGE, LLC 12 6.63% $6,626
    FirstBank 9 6.76% $6,192
    BancorpSouth 6 6.73% $3,525
    Regions Bank 6 6.77% $4,280
    MORTGAGE INVESTORS GROUP, INC. 5 5.22% $4,928
    VANDERBILT MORTGAGE AND FINANCE, INC. 5 8.08% $5,508
    South State Bank 4 6.99% $6,805
    AVADIAN 4 6.54% $8,312
    UNION HOME MORTGAGE CORP. 3 6.96% $6,654
    FIRST COMMUNITY MORTGAGE, INC. 3 6.08% $2,483
    PLANET HOME LENDING, LLC 3 6.58% $3,855
    BROKER SOLUTIONS, INC. 3 7.58% $5,856
    Mr. Cooper ( Nationstar Mortgage ) 2 6.06% $6,741
    ZILLOW HOME LOANS, LLC 2 6.88% $3,619
    NAVY FEDERAL CREDIT UNION 2 5.69% $4,508
    PENNYMAC LOAN SERVICES, LLC 2 7.31% $6,529
    AMERISAVE MORTGAGE CORPORATION 2 6.75% $9,968
    CHURCHILL MORTGAGE CORPORATION 2 6.81% $4,717
    GUARANTEED RATE, INC. 2 6.48% $4,359
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 2 7.18% $5,049
    AMERICAN PORTFOLIO MORTGAGE CORPORATION 2 6.81% $16,137
    STOCKTON MORTGAGE CORPORATION 2 6.81% $5,223
    Synovus Bank 2 6.56% $5,379
    TENNESSEE VALLEY 2 7.13% $3,405
    Legends Bank 2 6.87% $2,832
    LOANDEPOT.COM, LLC 2 6.63% $5,614
    Magnolia Bank 2 6.18% $5,381
    Truist 2 6.59% $7,045
    Trustmark National Bank 2 6.69% $3,627
    MOVEMENT MORTGAGE, LLC 2 6.72% $4,872
    PRIMELENDING, A PLAINSCAPITAL COMPANY 1 7.99% $3,282
    ALABAMA TEACHERS 1 7.25% $2,786
    Ally Bank 1 7.00% $8,177
    AMERICAN FINANCING CORPORATION 1 6.88% $4,176
    Assurance Financial Group, L.L.C. 1 6.88% $7,270
    CB&S Bank, Inc. 1 6.88% $2,878
    Citizens Tri-County Bank 1 6.63% $3,671
    CMG MORTGAGE, INC. 1 7.13% $12,593
    Consumer First Mortgage, Inc. 1 6.99% $6,407
    CROSSCOUNTRY MORTGAGE, LLC 1 6.63% $4,937
    DELMAR FINANCIAL COMPANY 1 7.38% $4,646
    First Federal Bank, A FSB 1 6.38% $5,568
    First Horizon Bank 1 5.88% $3,133
    HOMEOWNERS FINANCIAL GROUP USA, LLC 1 6.63% $7,805
    HOMESIDE FINANCIAL, LLC 1 6.00% $16,319
    HOMEXPRESS MORTGAGE CORP. 1 7.38% $5,644
    JPMorgan Chase Bank 1 8.63% $5,298
    Morgan Stanley Private Bank 1 5.20% $2,989
    Nations Lending Corporation 1 5.99% $7,085
    Old National Bank 1 6.63% $3,511
    Pinnacle Bank 1 6.63% $4,660
    POINT Mortgage 1 6.49% $4,358
    21ST MORTGAGE CORPORATION 1 9.23% $4,275
    Prosperity Home Mortgage, LLC 1 7.00% $2,824
    RELIANCE FIRST CAPITAL, LLC 1 6.63% $9,382
    ROSS MORTGAGE CORPORATION 1 7.99% $7,428
    ROYAL UNITED MORTGAGE LLC 1 7.00% $9,262
    SeaTrust Mortgage Company 1 6.99% $7,404
    SUCCESS MORTGAGE PARTNERS, INC. 1 6.99% $6,474
    The Loan Store, Inc. 1 6.63% $4,583
    THE MORTGAGE FIRM, INC. 1 6.38% $2,098
    Total Media Management, LLC 1 7.13% $6,483
    TOWNE MORTGAGE COMPANY 1 6.49% $7,460
    USAA Federal Savings Bank 1 7.13% $6,618
    Victorian Finance, LLC 1 7.25% $7,150

    Scottsboro Average Closing Costs & Other Stats

    Scottsboro, AL's 70 lenders originated 936 loans during 2024. The total origination value was $177,630,000, with an average loan value of $189,776.

    Scottsboro's average closing costs are $5,210.

    The top Scottsboro lender as defined by loan originations is REDSTONE Federal Credit Union, with 27 loans originated. Their average total fees are $2,955, which is $4,511 lower than the next largest lender, QUICKEN LOANS, LLC.

    The lowest fee Scottsboro lenders (with over 10 loans originated) are REDSTONE Federal Credit Union ($2,955), Renasant Bank ($4,951), FAIRWAY INDEPENDENT MORTGAGE CORPORATION ($5,314), CANOPY MORTGAGE, LLC ($6,626) and UNITED WHOLESALE MORTGAGE, LLC ($7,173).

    The lowest rate Scottsboro lenders (with over 10 loans originated) are REDSTONE Federal Credit Union (6.63%), CANOPY MORTGAGE, LLC (6.63%), Renasant Bank (6.69%), UNITED WHOLESALE MORTGAGE, LLC (6.75%) and FAIRWAY INDEPENDENT MORTGAGE CORPORATION (6.97%).

    Scottsboro, 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
    QUICKEN LOANS, LLC $10,690,000 $13,380,000 25.2% 7.5%
    REDSTONE Federal Credit Union $12,020,000 $10,575,000 -12.0% 6.0%
    UNITED WHOLESALE MORTGAGE, LLC $4,765,000 $9,260,000 94.3% 5.2%
    CANOPY MORTGAGE, LLC $8,350,000 n/a 4.7%
    Renasant Bank $4,305,000 $7,775,000 80.6% 4.4%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $5,785,000 $7,285,000 25.9% 4.1%
    BancorpSouth $7,070,000 $6,575,000 -7.0% 3.7%
    First Jackson Bank, Inc. $7,315,000 $6,570,000 -10.2% 3.7%
    Mortgage Research Center, LLC $3,245,000 $6,275,000 93.4% 3.5%
    VANDERBILT MORTGAGE AND FINANCE, INC. $2,400,000 $3,515,000 46.5% 2.0%
    FirstBank $4,105,000 $3,265,000 -20.5% 1.8%
    BROKER SOLUTIONS, INC. $1,595,000 $3,240,000 103.1% 1.8%
    Citizens Bank & Trust, Inc. $2,025,000 $3,240,000 60.0% 1.8%
    Regions Bank $5,140,000 $2,960,000 -42.4% 1.7%
    Synovus Bank $65,000 $2,950,000 4,438.5% 1.7%
    21ST MORTGAGE CORPORATION $1,535,000 $2,620,000 70.7% 1.5%
    FAMILY SAVINGS $1,165,000 $2,560,000 119.7% 1.4%
    MOVEMENT MORTGAGE, LLC $2,695,000 $2,510,000 -6.9% 1.4%
    MORTGAGE INVESTORS GROUP, INC. $260,000 $2,360,000 807.7% 1.3%
    South State Bank $360,000 $2,325,000 545.8% 1.3%
    ATLANTIC BAY MORTGAGE GROUP, L.L.C. $2,145,000 n/a 1.2%
    NAVY FEDERAL CREDIT UNION $415,000 $2,130,000 413.3% 1.2%
    AVADIAN $920,000 $1,860,000 102.2% 1.0%
    Wilson Bank And Trust $1,860,000 n/a 1.0%
    UNION HOME MORTGAGE CORP. $1,555,000 $1,815,000 16.7% 1.0%
    Citizens Bank & Trust $815,000 $1,775,000 117.8% 1.0%
    PNC Bank $1,530,000 $1,770,000 15.7% 1.0%
    PLANET HOME LENDING, LLC $930,000 $1,640,000 76.3% 0.9%
    First Volunteer Bank $105,000 $1,530,000 1,357.1% 0.9%
    Truist $190,000 $1,490,000 684.2% 0.8%
    LOANDEPOT.COM, LLC $1,770,000 $1,460,000 -17.5% 0.8%
    FREEDOM MORTGAGE CORPORATION $530,000 $1,450,000 173.6% 0.8%
    CMG MORTGAGE, INC. $360,000 $1,405,000 290.3% 0.8%
    CROSSCOUNTRY MORTGAGE, LLC $1,495,000 $1,370,000 -8.4% 0.8%
    FIRST COMMUNITY MORTGAGE, INC. $175,000 $1,340,000 665.7% 0.8%
    PENNYMAC LOAN SERVICES, LLC $645,000 $1,280,000 98.4% 0.7%
    STOCKTON MORTGAGE CORPORATION $670,000 $1,270,000 89.6% 0.7%
    AMERISAVE MORTGAGE CORPORATION $740,000 $1,230,000 66.2% 0.7%
    AMERICAN PORTFOLIO MORTGAGE CORPORATION $410,000 $1,165,000 184.1% 0.7%
    GMFS LLC $2,430,000 $1,115,000 -54.1% 0.6%
    PEOPLES BANK OF GREENSBORO $1,105,000 n/a 0.6%
    First Federal Bank, A FSB $135,000 $1,040,000 670.4% 0.6%
    Trustmark National Bank $485,000 $1,005,000 107.2% 0.6%
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. $2,035,000 $925,000 -54.5% 0.5%
    Bank of Dade $640,000 $920,000 43.8% 0.5%
    Liberty Bank $185,000 $910,000 391.9% 0.5%
    TJC Mortgage, Inc. $1,195,000 $870,000 -27.2% 0.5%
    MORTGAGE SOLUTIONS OF COLORADO, LLC $410,000 $860,000 109.8% 0.5%
    Southern States Bank $850,000 n/a 0.5%
    LAKEVIEW LOAN SERVICING, LLC $810,000 n/a 0.5%
    VILLAGE CAPITAL MORTGAGE $805,000 n/a 0.5%
    ZILLOW HOME LOANS, LLC $265,000 $785,000 196.2% 0.4%
    Ally Bank $675,000 n/a 0.4%
    Mr. Cooper ( Nationstar Mortgage ) $515,000 $670,000 30.1% 0.4%
    PRIMELENDING, A PLAINSCAPITAL COMPANY $655,000 n/a 0.4%
    Bryant Bank $635,000 n/a 0.4%
    Victorian Finance, LLC $530,000 $605,000 14.2% 0.3%
    GUARANTEED RATE, INC. $9,855,000 $600,000 -93.9% 0.3%
    The Federal Savings Bank $590,000 n/a 0.3%
    TENNESSEE VALLEY $825,000 $575,000 -30.3% 0.3%
    Magnolia Bank $565,000 n/a 0.3%
    SOUTHWEST STAGE FUNDING, LLC $745,000 $555,000 -25.5% 0.3%
    Morgan Stanley Private Bank $545,000 n/a 0.3%
    Peoples Independent Bank $505,000 $540,000 6.9% 0.3%
    SeaTrust Mortgage Company $185,000 $535,000 189.2% 0.3%
    Wolfe Financial, Inc $505,000 n/a 0.3%
    CHURCHILL MORTGAGE CORPORATION $185,000 $485,000 162.2% 0.3%
    NBKC BANK $485,000 n/a 0.3%
    ARK-LA-TEX FINANCIAL SERVICES, LLC. $215,000 $470,000 118.6% 0.3%
    Discover Bank $105,000 $470,000 347.6% 0.3%
    HOMEOWNERS FINANCIAL GROUP USA, LLC $460,000 n/a 0.3%
    Pinnacle Bank $445,000 n/a 0.3%
    RELIANCE FIRST CAPITAL, LLC $440,000 n/a 0.2%
    Bank Independent $1,015,000 $435,000 -57.1% 0.2%
    Assurance Financial Group, L.L.C. $55,000 $425,000 672.7% 0.2%
    NEWREZ LLC $810,000 $425,000 -47.5% 0.2%
    MUTUAL OF OMAHA MORTGAGE, INC. $160,000 $410,000 156.3% 0.2%
    AmeriHome Mortgage Company, LLC $405,000 n/a 0.2%
    USAA Federal Savings Bank $1,155,000 $395,000 -65.8% 0.2%
    First Savings Bank $385,000 n/a 0.2%
    NATIONS DIRECT MORTGAGE, LLC $385,000 n/a 0.2%
    GUILD MORTGAGE COMPANY $380,000 n/a 0.2%
    DELMAR FINANCIAL COMPANY $365,000 n/a 0.2%
    First National Bank of Pulaski $365,000 n/a 0.2%
    TOWNE MORTGAGE COMPANY $65,000 $355,000 446.2% 0.2%
    SUCCESS MORTGAGE PARTNERS, INC. $105,000 $350,000 233.3% 0.2%
    T2 FINANCIAL LLC $345,000 n/a 0.2%
    Century Mortgage Company DBA Century Lending Company $795,000 $340,000 -57.2% 0.2%
    CB&S Bank, Inc. $255,000 $330,000 29.4% 0.2%
    NEW DAY FINANCIAL, LLC $255,000 $330,000 29.4% 0.2%
    Nations Lending Corporation $75,000 $320,000 326.7% 0.2%
    U.S. Bank $215,000 $320,000 48.8% 0.2%
    Consumer First Mortgage, Inc. $445,000 $315,000 -29.2% 0.2%
    HOMESIDE FINANCIAL, LLC $285,000 n/a 0.2%
    Legends Bank $270,000 n/a 0.2%
    CSL Financial, LLC $335,000 $260,000 -22.4% 0.1%
    ROYAL UNITED MORTGAGE LLC $95,000 $260,000 173.7% 0.1%
    Northeast Bank $255,000 n/a 0.1%
    Old National Bank $255,000 n/a 0.1%
    Metro Bank $245,000 n/a 0.1%
    Prosperity Home Mortgage, LLC $75,000 $245,000 226.7% 0.1%
    SOUTHWEST FUNDING, LP $245,000 n/a 0.1%
    COMMUNITY MORTGAGE CORPORATION $365,000 $235,000 -35.6% 0.1%
    First Horizon Bank $235,000 n/a 0.1%
    FIRST COLONY MORTGAGE CORPORATION $225,000 n/a 0.1%
    MORTGAGE ACCESS CORP. $215,000 n/a 0.1%
    M&T Bank $215,000 n/a 0.1%
    ROSS MORTGAGE CORPORATION $215,000 n/a 0.1%
    Total Media Management, LLC $490,000 $215,000 -56.1% 0.1%
    THE MORTGAGE FIRM, INC. $205,000 n/a 0.1%
    Citizens Tri-County Bank $1,070,000 $200,000 -81.3% 0.1%
    AMERICAN FINANCIAL RESOURCES, INC. $185,000 $185,000 0.0% 0.1%
    United Community Bank $75,000 $185,000 146.7% 0.1%
    ALABAMA TEACHERS $55,000 $180,000 227.3% 0.1%
    CONTOUR MORTGAGE CORPORATION $175,000 n/a 0.1%
    EvaBank $225,000 $175,000 -22.2% 0.1%
    LEADERONE FINANCIAL CORPORATION $175,000 n/a 0.1%
    AMWEST FUNDING CORP. $165,000 n/a 0.1%
    The Loan Store, Inc. $155,000 n/a 0.1%
    1ST SIGNATURE LENDING, LLC $265,000 $145,000 -45.3% 0.1%
    AMERICA'S FIRST $145,000 n/a 0.1%
    SmartBank $145,000 n/a 0.1%
    Peoples Bank $135,000 n/a 0.1%
    SUMMIT FUNDING, INC. $1,050,000 $130,000 -87.6% 0.1%
    Coastal Community Bank $25,000 $125,000 400.0% 0.1%
    JPMorgan Chase Bank $155,000 $125,000 -19.4% 0.1%
    Citizens Bank $1,150,000 $105,000 -90.9% 0.1%
    HOMEXPRESS MORTGAGE CORP. $105,000 n/a 0.1%
    LENDINGHOME FUNDING CORPORATION $105,000 n/a 0.1%
    POINT Mortgage $105,000 n/a 0.1%
    Southern Bank of Tennessee $105,000 n/a 0.1%
    AMERICAN FINANCING CORPORATION $350,000 $95,000 -72.9% 0.1%
    TRIAD FINANCIAL SERVICES, INC. $675,000 $85,000 -87.4% 0.0%
    Family Security Credit Union $165,000 $45,000 -72.7% 0.0%
    MILLENNIUM BANK $35,000 n/a 0.0%
    SPRING EQ, LLC $35,000 n/a 0.0%
    Figure Lending LLC $85,000 $25,000 -70.6% 0.0%

    Scottsboro's top lender by overall market share is QUICKEN LOANS, LLC, with 7.5% market share. In second place, with 6.0%, is REDSTONE Federal Credit Union, having originated $10,575,000 in loans. In third place, with 5.2%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $9,260,000 in loans. In fourth place, with 4.7%, is CANOPY MORTGAGE, LLC, having originated $8,350,000 in loans. In fifth place, with 4.4%, is Renasant Bank, having originated $7,775,000 in loans.

    Scottsboro Housing Market Trends (Median, Average Prices & Listing Count)

    Realtor.com - Scottsboro (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Price (YoY Change) Average Listing Price (YoY) MSA/US Median Price Ratio Active Listings
    2018-01-01 $169,450 (-0.6%) $227,726 (-2.4%) 0.00 193
    2018-02-01 $168,675 (-6.2%) $232,596 (-0.4%) 0.00 189
    2018-03-01 $169,900 (-9.6%) $254,270 (6.2%) 0.00 184
    2018-04-01 $178,975 (-8.2%) $264,346 (7.7%) 0.00 190
    2018-05-01 $189,900 (-4.8%) $272,479 (11.4%) 0.00 182
    2018-06-01 $189,900 (0.4%) $278,958 (18.1%) 0.00 199
    2018-07-01 $188,400 (-0.8%) $265,608 (12.4%) 0.00 192
    2018-08-01 $181,100 (0.8%) $254,658 (9.9%) 0.00 192
    2018-09-01 $185,950 (6.3%) $257,826 (13.2%) 0.00 195
    2018-10-01 $181,400 (6.8%) $248,750 (10.6%) 0.00 201
    2018-11-01 $176,150 (3.7%) $249,471 (12.2%) 0.00 188
    2018-12-01 $167,000 (-1.7%) $245,595 (7.6%) 0.00 173
    2019-01-01 $167,975 (-0.9%) $245,961 (8.0%) 0.00 167
    2019-02-01 $165,900 (-1.7%) $255,565 (9.9%) 0.00 166
    2019-03-01 $167,014 (-1.7%) $264,586 (4.1%) 0.00 157
    2019-04-01 $169,900 (-5.1%) $272,402 (3.1%) 0.00 160
    2019-05-01 $174,425 (-8.2%) $276,266 (1.4%) 0.00 163
    2019-06-01 $179,900 (-5.3%) $279,765 (0.3%) 0.00 170
    2019-07-01 $179,900 (-4.5%) $282,641 (6.4%) 0.00 166
    2019-08-01 $185,777 (2.6%) $286,084 (12.3%) 0.00 153
    2019-09-01 $194,593 (4.7%) $289,500 (12.3%) 0.00 158
    2019-10-01 $205,675 (13.4%) $295,227 (18.7%) 0.00 160
    2019-11-01 $199,900 (13.5%) $298,686 (19.7%) 0.00 159
    2019-12-01 $189,900 (13.7%) $299,242 (21.8%) 0.00 152
    2020-01-01 $183,600 (9.3%) $304,503 (23.8%) 0.00 145
    2020-02-01 $188,450 (13.6%) $298,548 (16.8%) 0.00 133
    2020-03-01 $194,675 (16.6%) $308,559 (16.6%) 0.00 131
    2020-04-01 $204,900 (20.6%) $310,918 (14.1%) 0.00 120
    2020-05-01 $224,900 (28.9%) $320,141 (15.9%) 0.00 110
    2020-06-01 $224,950 (25.0%) $318,711 (13.9%) 0.00 101
    2020-07-01 $222,450 (23.7%) $327,254 (15.8%) 0.00 102
    2020-08-01 $275,500 (48.3%) $370,799 (29.6%) 0.00 88
    2020-09-01 $247,675 (27.3%) $348,674 (20.4%) 0.00 85
    2020-10-01 $239,900 (16.6%) $338,804 (14.8%) 0.00 86
    2020-11-01 $239,900 (20.0%) $347,896 (16.5%) 0.00 82
    2020-12-01 $201,375 (6.0%) $327,660 (9.5%) 0.00 80
    2021-01-01 $209,000 (13.8%) $317,031 (4.1%) 0.00 71
    2021-02-01 $209,925 (11.4%) $337,926 (13.2%) 0.00 62
    2021-03-01 $209,900 (7.8%) $312,938 (1.4%) 0.00 59
    2021-04-01 $199,900 (-2.4%) $315,378 (1.4%) 0.00 51
    2021-05-01 $194,450 (-13.5%) $334,448 (4.5%) 0.00 51
    2021-06-01 $202,500 (-10.0%) $327,366 (2.7%) 0.00 67
    2021-07-01 $279,900 (25.8%) $371,952 (13.7%) 0.00 71
    2021-08-01 $299,000 (8.5%) $372,534 (0.5%) 0.00 73
    2021-09-01 $255,175 (3.0%) $345,791 (-0.8%) 0.00 76
    2021-10-01 $234,000 (-2.5%) $378,837 (11.8%) 0.00 82
    2021-11-01 $262,900 (9.6%) $459,586 (32.1%) 0.00 76
    2021-12-01 $254,925 (26.6%) $451,069 (37.7%) 0.00 81
    2022-01-01 $271,700 (30.0%) $496,097 (56.5%) 0.00 58
    2022-02-01 $284,900 (35.7%) $542,622 (60.6%) 0.00 58
    2022-03-01 $328,675 (56.6%) $596,308 (90.6%) 0.00 58
    2022-04-01 $284,500 (42.3%) $536,467 (70.1%) 0.00 55
    2022-05-01 $282,000 (45.0%) $409,573 (22.5%) 0.00 62
    2022-06-01 $269,450 (33.1%) $351,693 (7.4%) 0.00 79
    2022-07-01 $275,000 (-1.8%) $380,434 (2.3%) 0.00 80
    2022-08-01 $257,450 (-13.9%) $373,717 (0.3%) 0.00 93
    2022-09-01 $272,450 (6.8%) $393,415 (13.8%) 0.00 100
    2022-10-01 $297,000 (26.9%) $414,678 (9.5%) 0.00 107
    2022-11-01 $272,900 (3.8%) $391,027 (-14.9%) 0.00 113
    2022-12-01 $266,750 (4.6%) $379,289 (-15.9%) 0.00 101
    2023-01-01 $272,000 (0.1%) $370,458 (-25.3%) 0.00 88
    2023-02-01 $289,900 (1.8%) $392,845 (-27.6%) 0.00 80
    2023-03-01 $281,975 (-14.2%) $395,158 (-33.7%) 0.00 79
    2023-04-01 $274,900 (-3.4%) $373,332 (-30.4%) 0.00 75
    2023-05-01 $272,000 (-3.6%) $385,726 (-5.8%) 0.00 74
    2023-06-01 $262,413 (-2.6%) $378,659 (7.7%) 0.00 76
    2023-07-01 $299,750 (9.0%) $422,905 (11.2%) 0.00 92
    2023-08-01 $273,450 (6.2%) $395,049 (5.7%) 0.00 102
    2023-09-01 $287,400 (5.5%) $401,499 (2.1%) 0.00 100
    2023-10-01 $289,500 (-2.5%) $398,898 (-3.8%) 0.00 105
    2023-11-01 $298,725 (9.5%) $387,960 (-0.8%) 0.00 104
    2023-12-01 $308,750 (15.8%) $403,467 (6.4%) 0.00 105
    2024-01-01 $299,000 (9.9%) $401,276 (8.3%) 0.00 92
    2024-02-01 $307,175 (6.0%) $394,061 (0.3%) 0.00 91
    2024-03-01 $299,200 (6.1%) $388,021 (-1.8%) 0.00 94
    2024-04-01 $299,675 (9.0%) $410,879 (10.1%) 0.00 102
    2024-05-01 $295,925 (8.8%) $420,302 (9.0%) 0.00 110
    2024-06-01 $294,900 (12.4%) $425,670 (12.4%) 0.00 112
    2024-07-01 $294,855 (-1.6%) $442,284 (4.6%) 0.00 120
    2024-08-01 $325,000 (18.9%) $473,891 (20.0%) 0.00 126
    2024-09-01 $317,500 (10.5%) $434,745 (8.3%) 0.00 122
    2024-10-01 $299,925 (3.6%) $431,687 (8.2%) 0.00 122
    2024-11-01 $297,450 (-0.4%) $425,722 (9.7%) 0.00 122
    2024-12-01 $289,125 (-6.4%) $437,249 (8.4%) 0.00 121
    2025-01-01 $292,400 (-2.2%) $425,718 (6.1%) 0.00 125
    2025-02-01 $288,225 (-6.2%) $413,919 (5.0%) 0.00 130
    2025-03-01 $300,000 (0.3%) $434,621 (12.0%) 0.00 134
    2025-04-01 $299,225 (-0.2%) $422,869 (2.9%) 0.00 147
    Scottsboro's median listing price for 2025-04-01 was $299,225, a difference of $-450 (-0.2%) versus the prior year and $-775 versus the prior month.

    Scottsboro's median listing price comes in at 0% of the national average.

    Scottsboro's average listing price for 2025-04-01 was $422,869, a difference of $11,990 (2.9%) versus the prior year and $-11,752 versus the prior month.

    For the 2025-04-01 period, Scottsboro had 147 MLS listings, a difference of 13 listings (10%) versus the prior month and 45 listings (44%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Scottsboro (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,988 sqft
    2018-02-01 0 days 1,942 sqft
    2018-03-01 0 days 2,034 sqft
    2018-04-01 0 days 2,050 sqft
    2018-05-01 0 days 2,095 sqft
    2018-06-01 0 days 2,200 sqft
    2018-07-01 0 days 2,084 sqft
    2018-08-01 0 days 2,048 sqft
    2018-09-01 0 days 2,083 sqft
    2018-10-01 0 days 2,021 sqft
    2018-11-01 0 days 2,048 sqft
    2018-12-01 0 days 2,000 sqft
    2019-01-01 0 days 1,982 sqft
    2019-02-01 0 days 1,927 sqft
    2019-03-01 0 days 1,958 sqft
    2019-04-01 0 days 1,992 sqft
    2019-05-01 0 days 1,974 sqft
    2019-06-01 0 days 1,966 sqft
    2019-07-01 0 days 1,931 sqft
    2019-08-01 0 days 2,007 sqft
    2019-09-01 0 days 2,104 sqft
    2019-10-01 0 days 2,185 sqft
    2019-11-01 0 days 2,100 sqft
    2019-12-01 0 days 2,059 sqft
    2020-01-01 0 days 2,050 sqft
    2020-02-01 0 days 2,077 sqft
    2020-03-01 0 days 2,087 sqft
    2020-04-01 0 days 2,093 sqft
    2020-05-01 0 days 2,126 sqft
    2020-06-01 0 days 2,094 sqft
    2020-07-01 0 days 2,100 sqft
    2020-08-01 0 days 2,203 sqft
    2020-09-01 0 days 2,214 sqft
    2020-10-01 0 days 2,214 sqft
    2020-11-01 0 days 2,232 sqft
    2020-12-01 0 days 2,100 sqft
    2021-01-01 0 days 1,940 sqft
    2021-02-01 0 days 2,098 sqft
    2021-03-01 0 days 2,058 sqft
    2021-04-01 0 days 2,100 sqft
    2021-05-01 0 days 2,096 sqft
    2021-06-01 0 days 2,000 sqft
    2021-07-01 0 days 2,016 sqft
    2021-08-01 0 days 2,212 sqft
    2021-09-01 0 days 2,035 sqft
    2021-10-01 0 days 2,045 sqft
    2021-11-01 0 days 2,187 sqft
    2021-12-01 0 days 2,142 sqft
    2022-01-01 0 days 2,200 sqft
    2022-02-01 0 days 2,225 sqft
    2022-03-01 0 days 2,203 sqft
    2022-04-01 0 days 2,026 sqft
    2022-05-01 0 days 2,141 sqft
    2022-06-01 0 days 2,041 sqft
    2022-07-01 0 days 2,117 sqft
    2022-08-01 0 days 2,107 sqft
    2022-09-01 0 days 2,076 sqft
    2022-10-01 0 days 2,212 sqft
    2022-11-01 0 days 2,052 sqft
    2022-12-01 0 days 1,920 sqft
    2023-01-01 0 days 2,051 sqft
    2023-02-01 0 days 2,093 sqft
    2023-03-01 0 days 2,054 sqft
    2023-04-01 0 days 2,016 sqft
    2023-05-01 0 days 2,071 sqft
    2023-06-01 0 days 2,086 sqft
    2023-07-01 0 days 2,098 sqft
    2023-08-01 0 days 1,937 sqft
    2023-09-01 0 days 1,934 sqft
    2023-10-01 0 days 1,904 sqft
    2023-11-01 0 days 1,906 sqft
    2023-12-01 0 days 2,010 sqft
    2024-01-01 0 days 1,980 sqft
    2024-02-01 0 days 2,050 sqft
    2024-03-01 0 days 1,991 sqft
    2024-04-01 0 days 1,950 sqft
    2024-05-01 0 days 2,023 sqft
    2024-06-01 0 days 2,088 sqft
    2024-07-01 0 days 2,208 sqft
    2024-08-01 0 days 2,241 sqft
    2024-09-01 0 days 2,189 sqft
    2024-10-01 0 days 2,091 sqft
    2024-11-01 0 days 2,009 sqft
    2024-12-01 0 days 1,993 sqft
    2025-01-01 0 days 2,000 sqft
    2025-02-01 0 days 1,898 sqft
    2025-03-01 0 days 1,970 sqft
    2025-04-01 0 days 1,927 sqft
    Scottsboro's median listing age (time on market) for 2025-04-01 was 0 days.

    Scottsboro's median square footage for active listings during the 2025-04-01 period was 1,927 sqft. One year prior, the average listing was 1,950 sqft.

    Scottsboro, AL Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 473 $105,755,000 $223,584
    Refi 167 $34,625,000 $207,335
    Cash Out Refi 125 $23,565,000 $188,520
    Other 100 $9,030,000 $90,300
    Home Improvement 71 $4,655,000 $65,563

    Scottsboro's most frequently cited loan purpose was Home Purchase, with 473 originations. The 2nd most popular reason was Refi, with 167 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    6-7% 337 $80,265,000 $238,175
    Over 8% 226 $22,060,000 $97,611
    7-8% 127 $27,615,000 $217,441
    5-6% 103 $26,765,000 $259,854
    4-5% 5 $1,865,000 $373,000
    <2.5% 2 $610,000 $305,000

    During 2024, Scottsboro's most frequently originated rate bucket was 6-7%, with 337 originations.

    Loan Sizing (Scottsboro, AL MSA)

    Loan Size Originations Total Value Average Loan
    $100k-200k 334 $48,800,000 $146,108
    $100,000 or less 278 $14,780,000 $53,165
    $200k-400k 245 $65,565,000 $267,612
    $400k-600k 46 $21,640,000 $470,435
    $600k-1000k 28 $20,210,000 $721,786
    $Over $1MM 5 $6,635,000 $1,327,000

    Scottsboro's loan sizing saw the bucket of loans from $100k-200k with 334 originations, totaling $48,800,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 357 $85,245,000 $238,782
    60-80% 142 $35,340,000 $248,873
    Under 20% 96 $4,470,000 $46,563
    20-40% 86 $9,480,000 $110,233
    40-60% 86 $16,520,000 $192,093
    Over 100% 21 $5,525,000 $263,095

    Scottsboro's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 357 originations, totaling $85,245,000 in origination value.