Homebuyers in Shelby County County who chose UNITED WHOLESALE MORTGAGE, LLC paid $4,092 less in closing costs than the county median.
County Median Costs
$5,828
−4.6% vs Alabama ($6,111)
Median Rate
6.380%
−1.7% vs national (6.490%)
Median Origination
$1,886
Purchase Originations
3,114
Denial Rate
7.1%
vs Alabama avg (13.6%)
vs Alabama Median
4.6% below
$-283
vs National Median
12.8% below
$-852
44 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,354 | 5.500% | $0 | 56 | −$1,919 | |
| 2 | $2,691 | 6.438% | $190 | 24 | −$1,582 | |
| 3 | $2,899 | 6.188% | $1,186 | 18 | −$1,374 | |
| 4 | $3,012 | 6.812% | $1,075 | 14 | −$1,260 | |
| 5 | $3,246 | 6.125% | $950 | 30 | −$1,027 | |
| 6 | $3,305 | 6.125% | $1,246 | 11 | −$968 | |
| 7 | $3,440 | 6.500% | $1,340 | 10 | −$833 | |
| 8 | $3,523 | 6.500% | $1,483 | 90 | −$750 | |
| 9 | $3,555 | 6.375% | $1,290 | 64 | −$718 | |
| 10 | $3,655 | 6.625% | $1,965 | 57 | −$618 | |
| 11 | $3,718 | 6.490% | $2,070 | 11 | −$555 | |
| 12 | $3,896 | 6.500% | $1,300 | 25 | −$377 | |
| 13 | $3,929 | 6.750% | $1,769 | 14 | −$344 | |
| 14 | $3,957 | 6.875% | $2,076 | 129 | −$316 | |
| 15 | $3,979 | 6.625% | $1,676 | 50 | −$294 | |
| 16 | $4,046 | 6.500% | $1,350 | 93 | −$227 | |
| 17 | $4,110 | 6.625% | $2,045 | 57 | −$163 | |
| 18 | $4,121 | 6.750% | $2,236 | 52 | −$152 | |
| 19 | $4,196 | 6.375% | $1,370 | 75 | −$77 | |
| 20 | $4,235 | 6.375% | $2,658 | 14 | −$38 | |
| 21 | $4,264 | 6.875% | $1,808 | 48 | −$10 | |
| 22 | $4,283 | 6.500% | $2,495 | 21 | +$10 | |
| 23 | $4,354 | 6.558% | $2,345 | 40 | +$81 | |
| 24 | $4,597 | 6.825% | $2,235 | 23 | +$324 | |
| 25 | $4,610 | 6.250% | $2,859 | 23 | +$338 |
Includes lenders with 10+ purchase originations in Shelby 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
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 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.