Lowest closing cost mortgage lenders in St. Clair County County, Alabama
In St. Clair County, Alabama, homebuyers paid a median of $6,582 in closing costs in 2024 — above the Alabama median of $6,033. The county saw 1,245 purchase mortgages at a median rate of 6.49%. Among lenders with 10+ originations, DHI MORTGAGE COMPANY, LTD. offered the lowest median costs at $2,194, which is $2,492 less than the county median.
Homebuyers in St. Clair County County who chose DHI MORTGAGE COMPANY, LTD. paid $4,388 less in closing costs than the county median.
County Median Costs
$6,582
+9.1% vs Alabama ($6,033)
Median Rate
6.490%
−2.0% vs national (6.620%)
Median Origination
$2,427
Purchase Originations
1,245
vs Alabama Median
9.1% above
$549
vs National Median
2.4% below
$-159
Lender rankings in St. Clair County County
22 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,194 | 5.500% | $0 | 19 | −$2,492 | |
| 2 | $3,488 | 6.875% | $1,354 | 17 | −$1,198 | |
| 3 | $3,624 | 6.812% | $1,600 | 10 | −$1,062 | |
| 4 | $3,819 | 6.683% | $2,201 | 12 | −$867 | |
| 5 | $3,822 | 6.875% | $2,239 | 31 | −$864 | |
| 6 | $3,993 | 6.875% | $1,841 | 12 | −$693 | |
| 7 | $4,032 | 6.500% | $2,166 | 27 | −$654 | |
| 8 | $4,131 | 6.500% | $1,740 | 13 | −$555 | |
| 9 | $4,494 | 6.620% | $2,725 | 10 | −$192 | |
| 10 | $4,822 | 6.625% | $4,147 | 15 | +$136 | |
| 11 | $5,270 | 6.875% | $3,252 | 12 | +$584 | |
| 12 | $5,404 | 6.250% | $3,515 | 14 | +$718 | |
| 13 | $5,545 | 6.933% | $4,021 | 14 | +$859 | |
| 14 | $5,642 | 9.670% | $3,914 | 13 | +$956 | |
| 15 | $6,016 | 6.250% | $4,190 | 11 | +$1,330 | |
| 16 | $6,143 | 6.562% | $4,366 | 10 | +$1,457 | |
| 17 | $6,563 | 6.490% | $4,250 | 14 | +$1,877 | |
| 18 | $6,661 | 6.535% | $4,839 | 47 | +$1,975 | |
| 19 | $7,228 | 6.625% | $5,283 | 18 | +$2,542 |
Includes lenders with 10+ purchase originations in St. Clair 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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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.