Conecuh County, AL: mortgages, home buyers & loan limits
What buyers in Conecuh County actually borrowed, earned and paid in 2025, from the official Home Mortgage Disclosure Act records — plus the 2026 conforming and FHA loan limits.
HMDA 2025 data released June 23, 2026 · Loan limits for calendar year 2026
In 2025, lenders reported 28 home-purchase mortgages for owner-occupied, single-family homes in Conecuh County, AL.
Lenders denied 15.2% of completed home-purchase applications.
Key facts about Conecuh County mortgages
- 38.8% of single-family purchase mortgages financed manufactured homes.
2026 loan limits in Conecuh County
| Property | Conforming 2026 | vs 2025 | FHA 2026 | vs 2025 |
|---|---|---|---|---|
| 1 unit | $832,750 | +$26,250 | $541,287 | +$17,062 |
| 2 units | $1,066,250 | +$33,600 | $693,050 | +$21,850 |
| 3 units | $1,288,800 | +$40,650 | $837,700 | +$26,425 |
| 4 units | $1,601,750 | +$50,500 | $1,041,125 | +$32,825 |
2026 limits for Conecuh County, AL: conforming (Fannie Mae / Freddie Mac) from FHFA; FHA forward-mortgage limits from HUD. FHA limit is at the national floor for low-cost areas. Loans above the conforming limit are "jumbo" loans.
All Alabama counties: Alabama 2026 loan limits. FHFA and HUD normally announce the next year's limits in late November.
Who bought homes in Conecuh County
Home-purchase mortgages for owner-occupied, single-family (1–4 unit) site-built homes, first liens, originated in 2025.
Values are medians; "middle half" is the 25th to 75th percentile.
Loan type
What the homes were for
All first-lien, closed-end purchase mortgages, including second homes and investors.
What borrowing cost in Conecuh County
Medians for 2025 home-purchase loans. Total loan costs are section D of the Loan Estimate/Closing Disclosure (lender and third-party loan charges, excluding taxes, prepaids and escrow). FHA and VA costs include the upfront mortgage insurance premium or VA funding fee, so compare like with like.
| Measure | Conecuh County | Alabama | U.S. |
|---|---|---|---|
| 30-year fixed rate · conventional | — | 6.562% | 6.625% |
| 30-year fixed rate · FHA | — | 6.125% | 6.250% |
| 30-year fixed rate · VA | — | 6.240% | 6.125% |
| 15-year fixed rate · conventional | — | 5.874% | 5.875% |
| Rate spread vs. APOR · conventional | — | +0.17 pts | +0.13 pts |
| Total loan costs · conventional | — | $4,370 | $5,570 |
| Total loan costs · FHA | — | $8,690 | $11,310 |
| Total loan costs · VA | — | $5,090 | $6,490 |
| Origination charges (all loan types) | — | $1,890 | $1,860 |
| Borrowers paying discount points | — | 53.8% | 51.3% |
| Points paid, when paid (% of loan) | — | 0.87% | 0.87% |
| Borrowers receiving lender credits | — | 31.4% | 33.1% |
| Adjustable-rate mortgages | — | 4.1% | 7.4% |
| Jumbo loans (above conforming limit) | — | 1.2% | 3.8% |
Medians are shown only when at least 30 loans report the field. Rates are those reported at closing; market rates changed during 2025, which the rate spread (APR minus the average prime offer rate on the lock date) adjusts for.
Approvals and denials
Conecuh County: 5 of 33 completed home-purchase applications were denied (15.2%).
Denial rate
| Application | Conecuh County | Alabama | U.S. |
|---|---|---|---|
| Home purchase | 15.2% | 9.1% | 8.5% |
| Conventional | — | 7.2% | 7.1% |
| FHA | — | 12.1% | 12.5% |
| VA | — | 8.1% | 8.0% |
| USDA | — | 13.8% | 12.5% |
| Refinance | — | 18.4% | 17.9% |
| Cash-out refinance | — | 38.0% | 33.6% |
Denial rate = denied ÷ (originated + approved but not accepted + denied). Withdrawn and incomplete applications are excluded. Differences between places reflect who applies, not only lender behavior.
Refinancing in Conecuh County
Top mortgage lenders in Conecuh County
36 lenders originated at least one home-purchase or refinance loan here in 2025. The table ranks them by loan count; pricing columns compare conventional purchase loans only.
| # | Lender | Loans | Share | Denial rate | 30-yr rate* | Spread* | Costs* |
|---|---|---|---|---|---|---|---|
| 1 | Veterans United Home Loans | 5 | 9.6% | — | — | — | — |
| 2 | Regions Bank | 5 | 9.6% | — | — | — | — |
| 3 | Rocket Mortgage, LLC | 3 | 5.8% | — | — | — | — |
| 4 | Stockton Mortgage Corporation | 3 | 5.8% | — | — | — | — |
| 5 | Prosperity Home Mortgage, LLC | 2 | 3.9% | — | — | — | — |
| 6 | Newrez LLC | 2 | 3.9% | — | — | — | — |
| 7 | Mortgage Solutions of Colorado, LLC | 2 | 3.9% | — | — | — | — |
| 8 | Pennymac Loan Services, LLC | 2 | 3.9% | — | — | — | — |
| 9 | Trustmark National Bank | 1 | 1.9% | — | — | — | — |
| 10 | Synergy One Lending, Inc. | 1 | 1.9% | — | — | — | — |
| 11 | A&D Mortgage LLC | 1 | 1.9% | — | — | — | — |
| 12 | CCB Community Bank | 1 | 1.9% | — | — | — | — |
| 13 | Tomo Mortgage, LLC | 1 | 1.9% | — | — | — | — |
| 14 | First Suncoast Trust BancShares, Inc. | 1 | 1.9% | — | — | — | — |
| 15 | AOD Federal Credit Union | 1 | 1.9% | — | — | — | — |
| 16 | American Financial Resources, Inc. | 1 | 1.9% | — | — | — | — |
| 17 | Community Bank of Mississippi | 1 | 1.9% | — | — | — | — |
| 18 | Movement Mortgage, LLC | 1 | 1.9% | — | — | — | — |
| 19 | United Wholesale Mortgage (UWM) | 1 | 1.9% | — | — | — | — |
| 20 | Alabama State Employees Credit Union | 1 | 1.9% | — | — | — | — |
| 21 | All in Federal Credit Union | 1 | 1.9% | — | — | — | — |
| 22 | Mr. Cooper | 1 | 1.9% | — | — | — | — |
| 23 | Freedom Mortgage Corporation | 1 | 1.9% | — | — | — | — |
| 24 | Gershman Investment Corp. | 1 | 1.9% | — | — | — | — |
| 25 | Legends Bank | 1 | 1.9% | — | — | — | — |
Lenders in Conecuh County, AL. Loans = home-purchase, refinance and cash-out originations (2025); share = share of those loans here; denial rate = home-purchase applications. *Medians for conventional home-purchase loans, shown with at least 20 loans; spread = APR minus the average prime offer rate at rate lock (percentage points); costs = total loan costs (section D).
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Compare your origination charges and total loan costs with 2025 loans of the same type and size in Alabama and Conecuh County.
Monthly payment calculator
Principal, interest, property tax (0.31% typical effective rate here) and insurance, with Conecuh County defaults.
Typical effective property-tax rate 0.31% = median real estate taxes ÷ median home value, U.S. Census Bureau ACS 2020–2024 5-year estimates.
Nearby counties
| County | Distance | Purchase loans | Median loan | Buyer income | Conforming limit | FHA limit |
|---|---|---|---|---|---|---|
| Escambia County, AL | 24 mi | 192 | $195,000 | $77,000 | $832,750 | $541,287 |
| Monroe County, AL | 25 mi | 85 | $175,000 | $77,000 | $832,750 | $541,287 |
| Butler County, AL | 29 mi | 84 | $185,000 | $85,000 | $832,750 | $541,287 |
| Covington County, AL | 34 mi | 199 | $205,000 | $85,000 | $832,750 | $541,287 |
| Wilcox County, AL | 43 mi | 19 | — | — | $832,750 | $541,287 |
| Crenshaw County, AL | 44 mi | 38 | $145,000 | $73,000 | $832,750 | $541,287 |
Frequently asked questions
What is the 2026 conforming loan limit in Conecuh County?
$832,750 for a one-unit home (FHFA). Two- to four-unit limits are $1,066,250, $1,288,800, $1,601,750. Loans above the limit are jumbo loans and are not eligible for purchase by Fannie Mae or Freddie Mac.
What is the 2026 FHA loan limit in Conecuh County?
$541,287 for a one-unit home (HUD). This is the national floor for low-cost areas.
How often are mortgage applications denied in Conecuh County?
15.2% of completed home-purchase applications were denied in 2025.
Sources: FFIEC/CFPB HMDA 2025 public loan/application register (Snapshot as of June 1, 2026); FHFA 2026 conforming loan limits; HUD 2026 FHA forward-mortgage limits; U.S. Census Bureau. Figures describe typical 2025 loans, not your offer. Methodology