Homebuyers in Morgan County County who chose Heritage Mortgage, LLC paid $4,762 less in closing costs than the county median.
County Median Costs
$5,849
−4.3% vs Alabama ($6,111)
Median Rate
6.490%
+0.0% vs national (6.490%)
Median Origination
$2,020
Purchase Originations
1,163
Denial Rate
11.1%
vs Alabama avg (13.6%)
vs Alabama Median
4.3% below
$-262
vs National Median
12.4% below
$-831
21 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $1,087 | 6.312% | $0 | 20 | −$3,216 | |
| 2 | $3,576 | 6.625% | $1,295 | 54 | −$727 | |
| 3 | $3,881 | 6.875% | $1,495 | 34 | −$422 | |
| 4 | $3,914 | 6.812% | $1,890 | 20 | −$389 | |
| 5 | $4,036 | 6.499% | $2,020 | 27 | −$267 | |
| 6 | $4,163 | 6.625% | $2,050 | 19 | −$140 | |
| 7 | $4,352 | 6.375% | $2,050 | 35 | +$49 | |
| 8 | $4,595 | 6.875% | $2,676 | 17 | +$292 | |
| 9 | $4,799 | 6.875% | $2,185 | 12 | +$496 | |
| 10 | $4,879 | 6.950% | $2,495 | 15 | +$576 | |
| 11 | $5,219 | 6.812% | $3,434 | 22 | +$916 | |
| 12 | $5,313 | 6.375% | $3,448 | 22 | +$1,010 | |
| 13 | $5,672 | 6.750% | $3,671 | 20 | +$1,369 | |
| 14 | $6,478 | 6.688% | $3,097 | 10 | +$2,175 | |
| 15 | $7,747 | 9.490% | $4,160 | 12 | +$3,444 |
Includes lenders with 10+ purchase originations in Morgan County County. Source: HMDA 2025. Sorted by median total loan costs.
View detailed closing cost breakdowns and user reviews for lenders in Alabama → Lender Directory
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Data source: HMDA Modified Loan Application Register 2025, 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.