Lowest closing cost mortgage lenders in Houston County County, Alabama
In Houston County, Alabama, homebuyers paid a median of $5,582 in closing costs in 2024 — below the Alabama median of $6,033. The county saw 945 purchase mortgages at a median rate of 6.62%. Among lenders with 10+ originations, FAIRWAY INDEPENDENT MORTGAGE CORPORATION offered the lowest median costs at $1,208, which is $3,257 less than the county median.
Homebuyers in Houston County County who chose FAIRWAY INDEPENDENT MORTGAGE CORPORATION paid $4,374 less in closing costs than the county median.
County Median Costs
$5,582
−7.5% vs Alabama ($6,033)
Median Rate
6.620%
+0.0% vs national (6.620%)
Median Origination
$1,680
Purchase Originations
945
vs Alabama Median
7.5% below
$-451
vs National Median
17.2% below
$-1,159
Lender rankings in Houston County County
18 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,486 | 6.875% | $1,048 | 39 | −$1,508 | |
| 2 | $2,834 | 6.970% | $250 | 22 | −$1,160 | |
| 3 | $3,216 | 6.500% | $986 | 15 | −$778 | |
| 4 | $3,232 | 6.500% | $1,075 | 14 | −$762 | |
| 5 | $3,655 | 6.875% | $1,512 | 17 | −$339 | |
| 6 | $3,875 | 6.875% | $1,516 | 29 | −$119 | |
| 7 | $4,108 | 6.625% | $1,633 | 16 | +$114 | |
| 8 | $4,302 | 6.750% | $2,182 | 16 | +$308 | |
| 9 | $4,388 | 6.250% | $2,323 | 14 | +$394 | |
| 10 | $4,448 | 6.625% | $2,042 | 12 | +$454 | |
| 11 | $5,989 | 6.625% | $3,929 | 20 | +$1,995 | |
| 12 | $6,346 | 9.230% | $4,500 | 10 | +$2,352 |
Includes lenders with 10+ purchase originations in Houston County County. Source: HMDA 2024. Sorted by median total loan costs.
View detailed closing cost breakdowns and user reviews for lenders in Alabama → Lender Directory
Found your lender? Make sure their quote is fair.
HMDA data shows industry-wide medians. Your actual quote may differ. Upload your Closing Disclosure or Loan Estimate to see exactly where your fees stand — and get a ready-to-send negotiation email.
Data source: HMDA Modified Loan Application Register 2024, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.