Mortgage Rates Alabama (AL) for March 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current 30-year fixed mortgage rates in Alabama as of March 20, 2026 are as follows, according to verified data from MonitorBankRates: TruistTruist1034 Montgomery Hwy, Albertville, AL, 35004A+5.0 ★Texas Ratio: 3.63% at 6.10%, Wells FargoWells Fargo1000 Quintard Ave, Alabaster, AL, 35007A5.0 ★Texas Ratio: 7.44% at 6.25%, Alabama One Credit UnionAlabama One Credit Union1000 Jack Warner Pkwy NE, Brewton, AL, 35111A5.0 ★Texas Ratio: 6.47% at 6.25%, NobleBank & TrustNobleBank & Trust1509 Quintard Ave, Alexandria, AL, 35243A+5.0 ★Texas Ratio: 1.67% at 6.50%, and Tyndall Federal Credit UnionTyndall Federal Credit Union4674 W Main St, Dothan, AL, 36305 1088A+5.0 ★Texas Ratio: 0.75% at 6.50%.
Mortgage rates in Alabama (AL) are continually updated to reflect market conditions. Whether you are purchasing a home or refinancing, comparing current loan options across top-rated local lenders and national banks is critical. We empower borrowers with transparent financial health metrics — including A-F Safety Grades, verified Star Ratings, and Texas Ratios — so you can confidently choose a stable, highly-rated institution.
Mortgage Rates reflect actual verified offers from lenders actively lending to Alabama borrowers. Your final approved rate will depend on your credit profile, loan-to-value ratio, and daily market movements. Last Updated and Verified: March 20, 2026
Alabama Mortgage Rate Trends
Compare local Alabama mortgage rate quotes against the statewide average
Weekly mortgage rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
For buyers in Alabama, the broader Alabama 30-year fixed average mortgage rate rose 0.132 points this week to 6.217%, according to MonitorBankRates trend data.
For buyers in Alabama, the broader Alabama 15-year fixed average mortgage rate fell 1.947 points this week to 5.824%, according to MonitorBankRates trend data.
Compare Mortgage Rates Today in Alabama
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As Low As
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?80%; Primary Dwelling or Second Home; 1% Origination Fee, Actual Closing Costs; Survey and Appraisal Fee May Apply; Survey if Applicable
<=90%; Primary Dwelling or Second Home; 1% Origination Fee, Actual Closing Costs; Survey and Appraisal Fee May Apply; Survey if Applicable
Primary Dwelling or Second Home; 1% Origination Fee, Actual Closing Costs; Survey and Appraisal Fee May Apply; Survey if Applicable
Loan to Value %: 80%
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<=90%; Primary Dwelling or Second Home; 1% Origination Fee, Actual Closing Costs; Survey and Appraisal Fee May Apply; Survey if Applicable
Primary Dwelling or Second Home; 1% Origination Fee, Actual Closing Costs; Survey and Appraisal Fee May Apply; Survey if Applicable
As Low As
?80%; Primary Dwelling or Second Home; 1% Origination Fee, Actual Closing Costs; Survey and Appraisal Fee May Apply; Survey if Applicable
?75%; Primary Dwelling or Second Home; 1% Origination Fee, Actual Closing Costs; Survey and Appraisal Fee May Apply; Survey if Applicable
? 70% CLTV**
70.01-80% CLTV**
80.01-90% CLTV**
90.01-100% CLTV**
Loan to Value %: 80%
Primary Dwelling or Second Home; Rate Fixed for First Five Years, Adjusts Annually Beginning On 5th Anniversary Date; 2% Max Annual Adjustment; 6% Lifetime CAP; 1% Origination Fee, Actual Closing Costs, and Appraisal Fee May Apply; Survey if Applicable
Primary Dwelling or Second Home; Rate Fixed for First Five Years, Adjusts Annually Beginning On 5th Anniversary Date; 2% Max Annual Adjustment; 6% Lifetime CAP; 1% Origination Fee, Actual Closing Costs, and Appraisal Fee May Apply; Survey if Applicable
Primary Dwelling Only; Rate Fixed for First Five Years, Adjusts Annually Beginning On 5th Anniversary Date; 2% Max Annual Adjustment; 6% Lifetime CAP; 1% Origination Fee, Closing Costs, and Appraisal Fee May Apply; Survey if Applicable
Loan to Value %: 80%
Primary Dwelling or Second Home; Rate Fixed for First Five Years, Adjusts Annually Beginning On 5th Anniversary Date; 2% Max Annual Adjustment; 6% Lifetime CAP; 1% Origination Fee, Actual Closing Costs, and Appraisal Fee May Apply; Survey if Applicable
Primary Dwelling Only; Rate Fixed for First Five Years, Adjusts Annually Beginning On 5th Anniversary Date; 2% Max Annual Adjustment; 6% Lifetime CAP; 1% Origination Fee, Closing Costs, and Appraisal Fee May Apply; Survey if Applicable
Primary Dwelling Only; Rate Fixed for First Five Years, Adjusts Annually Beginning On 5th Anniversary Date; 2% Max Annual Adjustment; 6% Lifetime CAP; 1% Origination Fee, Closing Costs, and Appraisal Fee May Apply; Survey if Applicable
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Loan to Value %: 80%
Primary Dwelling or Second Home; Rate Fixed for First Five Years, Adjusts Annually Beginning On 5th Anniversary Date; 2% Max Annual Adjustment; 6% Lifetime CAP; 1% Origination Fee, Actual Closing Costs, and Appraisal Fee May Apply; Survey if Applicable
No additional details available.
Primary Dwelling Only; Rate Fixed for First Five Years, Adjusts Annually Beginning On 5th Anniversary Date; 2% Max Annual Adjustment; 6% Lifetime CAP; 1% Origination Fee, Closing Costs, and Appraisal Fee May Apply; Survey if Applicable
Loan to Value %: 80%
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Margin: 2.50%; Percentage Caps†: 2/2/6; CMT Index: 3.975%
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Margin: 2.50%; Percentage Caps†: 2/2/6; CMT Index: 3.975%
Primary Dwelling or Second Home; Rate Fixed for First Five Years, Adjusts Annually Beginning On 5th Anniversary Date; 2% Max Annual Adjustment; 6% Lifetime CAP; 1% Origination Fee, Actual Closing Costs, and Appraisal Fee May Apply; Survey if Applicable
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Margin: 2.50%; Percentage Caps†: 2/2/6; CMT Index: 3.975%
Primary Dwelling Only; Rate Fixed for First Five Years, Adjusts Annually Beginning On 5th Anniversary Date; 2% Max Annual Adjustment; 6% Lifetime CAP; 1% Origination Fee, Closing Costs, and Appraisal Fee May Apply; Survey if Applicable
Primary Dwelling Only; Rate Fixed for First Five Years, Adjusts Annually Beginning On 5th Anniversary Date; 2% Max Annual Adjustment; 6% Lifetime CAP; 1% Origination Fee, Closing Costs, and Appraisal Fee May Apply
Primary Dwelling Only; Rate Fixed for First Five Years, Adjusts Annually Beginning On 5th Anniversary Date; 2% Max Annual Adjustment; 6% Lifetime CAP; 1% Origination Fee, Closing Costs, and Appraisal Fee May Apply
Primary Dwelling Only; Rate Fixed for First Five Years, Adjusts Annually Beginning On 5th Anniversary Date; 2% Max Annual Adjustment; 6% Lifetime CAP; 1% Origination Fee, Closing Costs, and Appraisal Fee May Apply
Primary Dwelling Only; Rate Fixed for First Five Years, Adjusts Annually Beginning On 5th Anniversary Date; 2% Max Annual Adjustment; 6% Lifetime CAP; 1% Origination Fee, Closing Costs, and Appraisal Fee May Apply
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As Low As
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As Low As
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Banks and Credit Unions: If you need to update your rate data or request removal from MonitorBankRates.com, please contact us here.
Mortgage Calculators
Methodology & Data Sources
Direct-Sourced & Verified Mortgage Rate Data: We aggregate mortgage and refinance rates for Alabama directly from the official websites of local lenders, credit unions, and national mortgage originators using our proprietary rate aggregation technology and a dedicated team of rate updaters. Every rate displayed is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available home loan products in Alabama. We feature a comprehensive mix of licensed NMLS financial institutions — from neighborhood credit unions and competitive regional banks to large national originators available to borrowers in AL.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update mortgage rates daily. Because rates and APRs can fluctuate rapidly based on bond markets and economic conditions, every loan product features its own “last updated” date for full transparency.
Proprietary Lender Health & Safety Grades: Beyond tracking rates, MonitorBankRates evaluates the financial stability of every listed institution. Our Health Grades (A+ to F) and Star Ratings are composite metrics calculated using objective regulatory data — including the Texas Ratio — ensuring you compare rates from secure, reliable lenders.
Frequently Asked Questions about Mortgage Rates in Alabama
How does my credit score affect my rate in Alabama?
What is a 30-Year Fixed Mortgage?
What are closing costs in Alabama?
Should I lock my mortgage rate?
What is an Adjustable-Rate Mortgage (ARM)?
What is a Jumbo Loan in Alabama?
Do I need 20% down to buy a house in Alabama?
What is the difference between Interest Rate and APR?
How do I find the best lender in Alabama?
What are the best Mortgage rates in Alabama?
- Truist: 6.10% (30-Year Fixed)
- Wells Fargo: 6.25% (30-Year Fixed Rate)
- Alabama One Credit Union: 6.25% (30 year Fixed)
- NobleBank & Trust: 6.50% (30-year fixed-rate loan)
- Tyndall Federal Credit Union: 6.50% (30-Year Fixed (DU))
Mortgage Rates by City in Alabama
