Lowest closing cost mortgage lenders in Shelby County County, Alabama
In Shelby County, Alabama, homebuyers paid a median of $6,058 in closing costs in 2024 — near the Alabama median of $6,033. The county saw 3,001 purchase mortgages at a median rate of 6.50%. Among lenders with 10+ originations, Hamilton Mortgage Corporation offered the lowest median costs at $0, which is $4,467 less than the county median.
Homebuyers in Shelby County County who chose Hamilton Mortgage Corporation paid $6,058 less in closing costs than the county median.
County Median Costs
$6,058
+0.4% vs Alabama ($6,033)
Median Rate
6.500%
−1.8% vs national (6.620%)
Median Origination
$2,249
Purchase Originations
3,001
vs Alabama Median
0.4% above
$25
vs National Median
10.1% below
$-683
Lender rankings in Shelby County County
45 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $0 | 6.000% | $0 | 11 | −$4,467 | |
| 2 | $2,042 | 6.125% | $0 | 13 | −$2,425 | |
| 3 | $2,300 | 5.500% | $0 | 46 | −$2,168 | |
| 4 | $2,840 | 6.250% | $950 | 30 | −$1,627 | |
| 5 | $3,161 | 6.625% | $1,075 | 22 | −$1,306 | |
| 6 | $3,186 | 6.500% | $1,496 | 10 | −$1,281 | |
| 7 | $3,543 | 6.500% | $1,988 | 54 | −$924 | |
| 8 | $3,556 | 6.625% | $1,640 | 11 | −$912 | |
| 9 | $3,645 | 6.625% | $1,340 | 77 | −$822 | |
| 10 | $3,757 | 6.500% | $1,370 | 57 | −$710 | |
| 11 | $3,791 | 6.625% | $1,366 | 74 | −$676 | |
| 12 | $3,833 | 6.750% | $2,040 | 135 | −$634 | |
| 13 | $3,835 | 6.625% | $2,023 | 64 | −$632 | |
| 14 | $3,948 | 6.875% | $1,831 | 50 | −$519 | |
| 15 | $3,961 | 6.625% | $1,990 | 97 | −$506 | |
| 16 | $4,019 | 6.625% | $1,495 | 42 | −$448 | |
| 17 | $4,049 | 6.688% | $1,674 | 18 | −$418 | |
| 18 | $4,104 | 6.812% | $1,495 | 16 | −$363 | |
| 19 | $4,233 | 6.875% | $2,550 | 17 | −$234 | |
| 20 | $4,411 | 6.875% | $2,947 | 13 | −$56 | |
| 21 | $4,729 | 6.500% | $2,718 | 12 | +$262 | |
| 22 | $4,798 | 6.625% | $3,314 | 20 | +$331 | |
| 23 | $4,814 | 6.750% | $3,050 | 15 | +$347 | |
| 24 | $4,855 | 6.625% | $3,079 | 19 | +$388 | |
| 25 | $5,008 | 6.990% | $3,220 | 23 | +$541 | |
| 26 | $5,068 | 6.625% | $2,778 | 54 | +$601 | |
| 27 | $5,166 | 6.990% | $3,223 | 11 | +$699 | |
| 28 | $5,304 | 6.625% | $3,208 | 57 | +$837 | |
| 29 | $5,597 | 6.375% | $4,294 | 35 | +$1,130 | |
| 30 | $5,844 | 7.124% | $3,831 | 34 | +$1,377 | |
| 31 | $6,010 | 6.625% | $3,971 | 98 | +$1,543 | |
| 32 | $6,043 | 6.875% | $3,305 | 13 | +$1,576 | |
| 33 | $6,113 | 6.875% | $3,937 | 10 | +$1,646 | |
| 34 | $6,374 | 6.750% | $4,728 | 23 | +$1,907 | |
| 35 | $6,466 | 6.500% | $4,527 | 47 | +$2,000 | |
| 36 | $6,717 | 6.625% | $4,667 | 53 | +$2,250 | |
| 37 | $7,107 | 6.875% | $5,297 | 36 | +$2,640 | |
| 38 | $7,234 | 6.875% | $4,586 | 51 | +$2,767 | |
| 39 | $7,391 | 6.625% | $4,780 | 11 | +$2,924 | |
| 40 | $7,544 | 6.808% | $4,092 | 14 | +$3,077 | |
| 41 | $8,227 | 9.750% | $6,471 | 25 | +$3,760 |
Includes lenders with 10+ purchase originations in Shelby 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
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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.