2026 Mortgage Loan Limits for Mobile County, Alabama
Mobile County Loan Limits History
See how mortgage loan limits in this area have evolved over time. This historical chart shows conventional, FHA, VA, and USDA limits for 1-4 unit properties.
Mobile County Loan Limits: Complete Historical Table
Browse the full historical data for Mobile County mortgage loan limits from 1972 to 2026. This comprehensive table shows how loan limits have changed over 50+ years, helping you understand long-term trends in your local housing market.
| Year | Conventional | FHA | VA | USDA |
|---|---|---|---|---|
| 2026 | $832,750 | $541,275 | $832,750 | $433,020 |
| 2025 | $806,500 | $524,225 | $806,500 | $419,380 |
| 2024 | $766,550 | $498,257 | $766,550 | $398,606 |
| 2023 | $726,200 | $472,030 | $726,200 | $377,624 |
| 2022 | $647,200 | $420,680 | $647,200 | - |
| 2021 | $548,250 | $356,362 | $548,250 | - |
| 2020 | $510,400 | $331,760 | $510,400 | - |
| 2019 | $484,350 | $314,827 | $484,350 | - |
| 2018 | $453,100 | $294,515 | $453,100 | - |
| 2017 | $424,100 | $275,665 | $424,100 | - |
| 2016 | $417,000 | $271,050 | $417,000 | - |
| 2015 | $417,000 | $271,050 | $417,000 | - |
| 2014 | $417,000 | $271,050 | $417,000 | - |
| 2013 | $417,000 | $271,050 | $417,000 | - |
| 2012 | $417,000 | $271,050 | $417,000 | - |
| 2011 | $417,000 | $271,050 | $417,000 | - |
| 2010 | $417,000 | $271,050 | $417,000 | - |
| 2009 | $417,000 | $271,050 | $417,000 | - |
| 2008 | $417,000 | $200,160 | $417,000 | - |
Cities in Mobile County, Alabama
The following cities and communities are covered by Mobile County loan limits. Whether you're looking for mortgage loan limits in Axis, Bayou La Batre, Belle Fontaine or any other Mobile County city, the same conventional, FHA, VA, and USDA loan limits apply throughout the county.
Mobile County, Alabama Mortgage Market Analysis (2018-2024)
Explore borrowing and mortgage trends in Mobile County, including conventional vs. government loan performance, average loan sizes, and market share shifts. Data sourced from HMDA regulatory filings shows how local lending patterns evolve through changing market conditions.
Loan Count by Loan Type (Mobile County, Alabama)
Number of mortgage loans originated by loan type (Conventional, FHA, VA, USDA) in Mobile County from 2019-2024, showing the 1-year change from 2023 to 2024.
| Loan Type | 2019 | 2023 | 2024 | 1-Year Change |
|---|---|---|---|---|
| Conventional | 3,827 | 2,481 | 2,371 | ▼-4.43% |
| FHA | 1,787 | 1,634 | 1,832 | ▲12.12% |
| VA | 1,068 | 690 | 816 | ▲18.26% |
| USDA | 261 | 106 | 107 | ▲0.94% |
Market Share by Loan Type (Mobile County, Alabama)
Market share percentage by loan type (Conventional, FHA, VA, USDA) in Mobile County from 2019-2024, showing the 1-year change from 2023 to 2024.
| Loan Type | 2019 | 2023 | 2024 | 1-Year Change |
|---|---|---|---|---|
| Conventional | 55.12% | 50.52% | 46.25% | ▼-4.27% |
| FHA | 25.74% | 33.27% | 35.74% | ▲2.47% |
| VA | 15.38% | 14.05% | 15.92% | ▲1.87% |
| USDA | 3.76% | 2.16% | 2.09% | ▼-0.07% |
Average Loan-to-Value by Loan Type (Mobile County, Alabama)
Average loan-to-value ratio by loan type (Conventional, FHA, VA, USDA) in Mobile County from 2019-2024, showing the 1-year change from 2023 to 2024.
| Loan Type | 2019 | 2023 | 2024 | 1-Year Change |
|---|---|---|---|---|
| Conventional | 78.60% | 77.70% | 76.90% | ▼-0.80% |
| FHA | 96.50% | 91.00% | 92.80% | ▲1.80% |
| VA | 100.00% | 95.10% | 100.00% | ▲4.90% |
| USDA | 100.00% | 98.90% | 98.10% | ▼-0.80% |
