AUBURN - OPELIKA Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Auburn - Opelika averaged
6.78%
for the week of 2025-04-03, compared to the national average of
6.64% for the same period.
The average rate for the prior week (2025-03-27) was
6.69% and
one month ago for the week of 2025-02-27, the
average rate was 6.6%.
Auburn - Opelika's average rate one year ago was 7.03%.
For refis of the same type during the week of 2025-04-03, the average rate
was 6.96%.
Loan Type | Date | Rate |
---|---|---|
US 30 Year Fixed Rate | 2025-04-03 | 6.64% |
Auburn - Opelika 30 Year Fixed Rate | 2025-04-03 | 6.78% |
Auburn - Opelika 30 Year Fixed Rate Refi | 2025-04-03 | 6.96% |
Auburn - Opelika 15 Year Fixed Rate | 2025-04-03 | 6.13% |
Auburn - Opelika 15 Year Fixed Rate Refi | 2025-04-03 | 5.82% |
Auburn - Opelika 30 Year FHA | 2025-04-03 | 5.83% |
Auburn - Opelika 30 Year FHA Refi | 2025-04-03 | 6.16% |
Auburn - Opelika 30 Year USDA | 2025-04-03 | 6.22% |
Auburn - Opelika 30 Year USDA Refi | 2025-04-03 | 6.12% |
Auburn - Opelika 30 Year VA | 2025-04-03 | 6.18% |
Auburn - Opelika 30 Year VA Refi | 2025-04-03 | 5.75% |
AUBURN - OPELIKA Top Lenders by Rates & Fees
The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the AUBURN-OPELIKA, AL market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).
AUBURN - OPELIKA Average Closing Costs & Other Stats
AUBURN-OPELIKA, AL's 137 lenders originated 4,047
loans during 2024. The total origination value was $1,181,125,000, with an average loan value of
$291,852.
AUBURN - OPELIKA's average closing costs are $5,338.
The top AUBURN - OPELIKA lender as defined by loan originations is CMG MORTGAGE, INC., with
176 loans originated. Their average total fees are
$7,856, which is $506
higher than the next largest lender,
Trustmark National Bank.
The lowest fee AUBURN - OPELIKA lenders (with over 10 loans originated) are
DHI MORTGAGE COMPANY, LTD. ($2,832), NAVY FEDERAL CREDIT UNION ($3,116), Stifel Bank and Trust ($3,191), Morgan Stanley Private Bank ($3,313) and Wells Fargo Bank ($3,719).
The lowest rate AUBURN - OPELIKA lenders (with over 10 loans originated) are
DHI MORTGAGE COMPANY, LTD. (5.77%), Morgan Stanley Private Bank (6.13%), Stifel Bank and Trust (6.31%), MAX Credit Union (6.31%) and JPMorgan Chase Bank (6.35%).
AUBURN-OPELIKA, AL Mortgage Market Share & Volume
Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.
Name | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
---|---|---|---|---|
CMG MORTGAGE, INC. | $85,485,000 | $99,885,000 | 16.8% | 8.5% |
CANOPY MORTGAGE, LLC | $12,425,000 | $54,410,000 | 337.9% | 4.6% |
UNITED WHOLESALE MORTGAGE, LLC | $47,130,000 | $54,005,000 | 14.6% | 4.6% |
PENNYMAC LOAN SERVICES, LLC | $28,855,000 | $48,385,000 | 67.7% | 4.1% |
QUICKEN LOANS, LLC | $32,630,000 | $47,335,000 | 45.1% | 4.0% |
Trustmark National Bank | $56,135,000 | $47,045,000 | -16.2% | 4.0% |
Renasant Bank | $50,210,000 | $43,465,000 | -13.4% | 3.7% |
BELLWETHER ENTERPRISE REAL ESTATE CAPITAL, LLC | $42,315,000 | n/a | 3.6% | |
GUILD MORTGAGE COMPANY | $25,025,000 | $39,590,000 | 58.2% | 3.4% |
WALKER & DUNLOP, LLC | $33,675,000 | n/a | 2.9% | |
Grandbridge Real Estate Capital LLC | $33,125,000 | n/a | 2.8% | |
Mortgage Research Center, LLC | $18,480,000 | $31,035,000 | 67.9% | 2.6% |
River Bank & Trust | $43,780,000 | $25,505,000 | -41.7% | 2.2% |
GREYSTONE SERVICING COMPANY LLC | $25,405,000 | n/a | 2.2% | |
VANDERBILT MORTGAGE AND FINANCE, INC. | $17,305,000 | $22,935,000 | 32.5% | 1.9% |
South State Bank | $33,670,000 | $21,955,000 | -34.8% | 1.9% |
CROSSCOUNTRY MORTGAGE, LLC | $19,060,000 | $21,945,000 | 15.1% | 1.9% |
MAX Credit Union | $9,250,000 | $19,490,000 | 110.7% | 1.7% |
EMM LOANS LLC | $9,415,000 | $18,590,000 | 97.5% | 1.6% |
Synovus Bank | $13,690,000 | $17,745,000 | 29.6% | 1.5% |
AuburnBank | $31,290,000 | $17,450,000 | -44.2% | 1.5% |
FREEDOM MORTGAGE CORPORATION | $5,005,000 | $15,115,000 | 202.0% | 1.3% |
MOVEMENT MORTGAGE, LLC | $13,000,000 | $14,880,000 | 14.5% | 1.3% |
ServisFirst Bank | $1,895,000 | $14,095,000 | 643.8% | 1.2% |
NEWREZ LLC | $5,930,000 | $11,725,000 | 97.7% | 1.0% |
NAVY FEDERAL CREDIT UNION | $12,125,000 | $11,535,000 | -4.9% | 1.0% |
Regions Bank | $17,195,000 | $11,085,000 | -35.5% | 0.9% |
ARK-LA-TEX FINANCIAL SERVICES, LLC. | $6,450,000 | $10,700,000 | 65.9% | 0.9% |
PNC Bank | $11,505,000 | $8,770,000 | -23.8% | 0.7% |
Morgan Stanley Private Bank | $1,885,000 | $8,460,000 | 348.8% | 0.7% |
Truist | $12,705,000 | $8,110,000 | -36.2% | 0.7% |
FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $11,725,000 | $7,810,000 | -33.4% | 0.7% |
BROKER SOLUTIONS, INC. | $3,395,000 | $7,480,000 | 120.3% | 0.6% |
AUBURN UNIVERSITY CREDIT UNION | $6,140,000 | $7,125,000 | 16.0% | 0.6% |
USAA Federal Savings Bank | $3,930,000 | $6,910,000 | 75.8% | 0.6% |
LOANDEPOT.COM, LLC | $4,480,000 | $6,500,000 | 45.1% | 0.6% |
AMERICAN FINANCIAL NETWORK, INC. | $4,635,000 | $6,180,000 | 33.3% | 0.5% |
Flagstar Bank, FSB | $8,055,000 | $6,125,000 | -24.0% | 0.5% |
Keystone Funding, Inc. | $7,300,000 | $6,090,000 | -16.6% | 0.5% |
Northpointe Bank | $8,805,000 | $6,085,000 | -30.9% | 0.5% |
Southern States Bank | $4,230,000 | $5,770,000 | 36.4% | 0.5% |
DHI MORTGAGE COMPANY, LTD. | $1,595,000 | $5,485,000 | 243.9% | 0.5% |
Mr. Cooper ( Nationstar Mortgage ) | $2,365,000 | $5,475,000 | 131.5% | 0.5% |
RUOFF MORTGAGE COMPANY, INC. | $1,745,000 | $5,305,000 | 204.0% | 0.4% |
BancorpSouth | $9,465,000 | $5,130,000 | -45.8% | 0.4% |
NEW DAY FINANCIAL, LLC | $4,695,000 | $5,000,000 | 6.5% | 0.4% |
Ameris Bank | $4,500,000 | $4,810,000 | 6.9% | 0.4% |
Stifel Bank and Trust | $5,095,000 | $4,725,000 | -7.3% | 0.4% |
GUARANTEED RATE, INC. | $4,660,000 | $4,475,000 | -4.0% | 0.4% |
Phenix-Girard Bank | $3,105,000 | $4,435,000 | 42.8% | 0.4% |
AMERIFIRST BANK | $2,225,000 | $4,405,000 | 98.0% | 0.4% |
U.S. Bank | $4,155,000 | $3,555,000 | -14.4% | 0.3% |
JPMorgan Chase Bank | $740,000 | $3,540,000 | 378.4% | 0.3% |
Wells Fargo Bank | $5,065,000 | $3,375,000 | -33.4% | 0.3% |
Carrington Mortgage Services, LLC | $2,025,000 | $3,250,000 | 60.5% | 0.3% |
CB&S Bank, Inc. | $1,250,000 | $3,220,000 | 157.6% | 0.3% |
AmeriHome Mortgage Company, LLC | $945,000 | $3,200,000 | 238.6% | 0.3% |
Bank of America | $1,485,000 | $3,000,000 | 102.0% | 0.3% |
NBKC BANK | $795,000 | $2,990,000 | 276.1% | 0.3% |
LAKEVIEW LOAN SERVICING, LLC | $790,000 | $2,980,000 | 277.2% | 0.3% |
FirstBank | $560,000 | $2,715,000 | 384.8% | 0.2% |
First Federal Bank | $905,000 | $2,465,000 | 172.4% | 0.2% |
TJC Mortgage, Inc. | $2,005,000 | $2,425,000 | 20.9% | 0.2% |
UBS Bank USA | $335,000 | $2,340,000 | 598.5% | 0.2% |
SOUTHEAST MORTGAGE OF GEORGIA, INC. | $3,765,000 | $2,315,000 | -38.5% | 0.2% |
PLANET HOME LENDING, LLC | $735,000 | $2,225,000 | 202.7% | 0.2% |
CHURCHILL MORTGAGE CORPORATION | $380,000 | $2,115,000 | 456.6% | 0.2% |
Equity Prime Mortgage LLC | $245,000 | $2,070,000 | 744.9% | 0.2% |
MUTUAL OF OMAHA MORTGAGE, INC. | $710,000 | $2,015,000 | 183.8% | 0.2% |
Sierra Pacific Mortgage Company, Inc. | $315,000 | $1,970,000 | 525.4% | 0.2% |
21ST MORTGAGE CORPORATION | $1,260,000 | $1,965,000 | 56.0% | 0.2% |
BNY Mellon | $1,825,000 | $1,955,000 | 7.1% | 0.2% |
Valley National Bank | $2,680,000 | $1,915,000 | -28.5% | 0.2% |
MidSouth Bank | $430,000 | $1,910,000 | 344.2% | 0.2% |
Century Mortgage Company DBA Century Lending Company | $1,895,000 | n/a | 0.2% | |
Discover Bank | $1,810,000 | $1,865,000 | 3.0% | 0.2% |
First Heritage Mortgage, LLC | $1,805,000 | n/a | 0.2% | |
PHH Mortgage Corporation | $1,820,000 | $1,755,000 | -3.6% | 0.1% |
VILLAGE CAPITAL MORTGAGE | $1,150,000 | $1,745,000 | 51.7% | 0.1% |
Assurance Financial Group, L.L.C. | $1,735,000 | n/a | 0.1% | |
Troy Bank and Trust Company | $810,000 | $1,655,000 | 104.3% | 0.1% |
HOMESIDE FINANCIAL, LLC | $2,595,000 | $1,535,000 | -40.8% | 0.1% |
PRIMELENDING, A PLAINSCAPITAL COMPANY | $865,000 | $1,515,000 | 75.1% | 0.1% |
PRIMARY RESIDENTIAL MORTGAGE, INC. | $1,440,000 | n/a | 0.1% | |
HOMEXPRESS MORTGAGE CORP. | $195,000 | $1,400,000 | 617.9% | 0.1% |
MILEND, INC. | $485,000 | $1,395,000 | 187.6% | 0.1% |
GMFS LLC | $1,735,000 | $1,365,000 | -21.3% | 0.1% |
BankPlus | $230,000 | $1,355,000 | 489.1% | 0.1% |
NORWICH COMMERCIAL GROUP, INC. | $275,000 | $1,345,000 | 389.1% | 0.1% |
Five Star Credit Union | $575,000 | $1,325,000 | 130.4% | 0.1% |
LENDINGHOME FUNDING CORPORATION | $285,000 | $1,325,000 | 364.9% | 0.1% |
MORTGAGE ACCESS CORP. | $235,000 | $1,305,000 | 455.3% | 0.1% |
American Mortgage & Equity Consultants, Inc. | $265,000 | $1,295,000 | 388.7% | 0.1% |
The Loan Store, Inc. | $590,000 | $1,295,000 | 119.5% | 0.1% |
FIRST COMMUNITY MORTGAGE, INC. | $1,040,000 | $1,230,000 | 18.3% | 0.1% |
First Peoples Bank | $3,015,000 | $1,220,000 | -59.5% | 0.1% |
Capital City Home Loans, LLC | $340,000 | $1,185,000 | 248.5% | 0.1% |
First-Citizens Bank & Trust Company | $125,000 | $1,175,000 | 840.0% | 0.1% |
First South Farm Credit, ACA | $550,000 | $1,175,000 | 113.6% | 0.1% |
Paramount Residential Mortgage Group, Inc. | $335,000 | $1,145,000 | 241.8% | 0.1% |
AMERICAN FINANCIAL RESOURCES, INC. | $115,000 | $1,130,000 | 882.6% | 0.1% |
FIRST TECHNOLOGY | $875,000 | $1,105,000 | 26.3% | 0.1% |
INTERLINC MORTGAGE SERVICES, LLC | $1,530,000 | $1,090,000 | -28.8% | 0.1% |
PLAZA HOME MORTGAGE, INC. | $1,040,000 | n/a | 0.1% | |
TOWNE MORTGAGE COMPANY | $1,040,000 | n/a | 0.1% | |
SmartBank | $2,135,000 | $960,000 | -55.0% | 0.1% |
Barrington Bank & Trust Company, N.A. | $365,000 | $950,000 | 160.3% | 0.1% |
First Federal Bank, A FSB | $945,000 | n/a | 0.1% | |
RELIANCE FIRST CAPITAL, LLC | $735,000 | $900,000 | 22.4% | 0.1% |
Figure Lending LLC | $495,000 | $895,000 | 80.8% | 0.1% |
Bryant Bank | $890,000 | n/a | 0.1% | |
KINETIC FEDERAL CREDIT UNION | $1,230,000 | $885,000 | -28.0% | 0.1% |
First State Bank of Blakely, Inc. | $880,000 | n/a | 0.1% | |
MORTGAGE SOLUTIONS OF COLORADO, LLC | $1,550,000 | $875,000 | -43.5% | 0.1% |
EVERETT FINANCIAL, INC. | $5,805,000 | $865,000 | -85.1% | 0.1% |
TRIAD FINANCIAL SERVICES, INC. | $805,000 | $835,000 | 3.7% | 0.1% |
Colony Bank | $2,755,000 | $810,000 | -70.6% | 0.1% |
APCO EMPLOYEES | $1,540,000 | $795,000 | -48.4% | 0.1% |
UNION HOME MORTGAGE CORP. | $1,440,000 | $785,000 | -45.5% | 0.1% |
STOCKTON MORTGAGE CORPORATION | $2,040,000 | $775,000 | -62.0% | 0.1% |
MID AMERICA MORTGAGE, INC. | $200,000 | $765,000 | 282.5% | 0.1% |
AMERICAN PORTFOLIO MORTGAGE CORPORATION | $760,000 | n/a | 0.1% | |
SPRING EQ, LLC | $325,000 | $750,000 | 130.8% | 0.1% |
LEADERONE FINANCIAL CORPORATION | $740,000 | n/a | 0.1% | |
First Community Bank of Central Alabama | $1,270,000 | $700,000 | -44.9% | 0.1% |
Community Bank of Mississippi | $685,000 | n/a | 0.1% | |
EVANSVILLE TEACHERS | $95,000 | $685,000 | 621.1% | 0.1% |
Citizens Bank | $1,425,000 | $665,000 | -53.3% | 0.1% |
Guardian Credit Union | $600,000 | $660,000 | 10.0% | 0.1% |
SUN WEST MORTGAGE COMPANY, INC. | $520,000 | $645,000 | 24.0% | 0.1% |
A&D Mortgage LLC | $635,000 | n/a | 0.1% | |
Tyndall Federal Credit Union | $55,000 | $625,000 | 1,036.4% | 0.1% |
ALLIANT CREDIT UNION | $445,000 | $610,000 | 37.1% | 0.1% |
ZILLOW HOME LOANS, LLC | $680,000 | $595,000 | -12.5% | 0.1% |
LIBERTY HOME MORTGAGE CORPORATION | $580,000 | n/a | 0.0% | |
Merchants Mortgage & Trust Corporation | $645,000 | $565,000 | -12.4% | 0.0% |
TOP FLITE FINANCIAL, INC. | $235,000 | $565,000 | 140.4% | 0.0% |
The Federal Savings Bank | $2,580,000 | $560,000 | -78.3% | 0.0% |
Merchants Bank of Indiana | $725,000 | $555,000 | -23.4% | 0.0% |
Red River Bank | $555,000 | n/a | 0.0% | |
NFM, INC. | $305,000 | $540,000 | 77.0% | 0.0% |
GUARANTEED RATE AFFINITY, LLC | $535,000 | n/a | 0.0% | |
DEEPHAVEN MORTGAGE LLC | $925,000 | $520,000 | -43.8% | 0.0% |
MORIA DEVELOPMENT, INC. | $175,000 | $520,000 | 197.1% | 0.0% |
CAMPUS USA | $510,000 | n/a | 0.0% | |
NexBank | $490,000 | n/a | 0.0% | |
Charles Schwab Bank, SSB | $485,000 | n/a | 0.0% | |
EUSTIS AND AMERICAN MORTGAGE COMPANY | $475,000 | n/a | 0.0% | |
PREMIER LENDING, INC. | $475,000 | n/a | 0.0% | |
ALABAMA TEACHERS | $145,000 | $470,000 | 224.1% | 0.0% |
ANGEL OAK MORTGAGE SOLUTIONS LLC | $745,000 | $465,000 | -37.6% | 0.0% |
The First, A National Banking Association | $45,000 | $465,000 | 933.3% | 0.0% |
AMERISAVE MORTGAGE CORPORATION | $4,740,000 | $450,000 | -90.5% | 0.0% |
Bethpage Federal Credit Union | $75,000 | $445,000 | 493.3% | 0.0% |
REDSTONE Federal Credit Union | $510,000 | $445,000 | -12.7% | 0.0% |
Old National Bank | $440,000 | n/a | 0.0% | |
UMB Bank | $435,000 | n/a | 0.0% | |
Central State Bank | $400,000 | $430,000 | 7.5% | 0.0% |
Hamilton Mortgage Corporation | $430,000 | n/a | 0.0% | |
OPEN MORTGAGE, LLC | $835,000 | $430,000 | -48.5% | 0.0% |
Coastal Community Bank | $480,000 | $425,000 | -11.5% | 0.0% |
Presidential Bank, FSB | $420,000 | n/a | 0.0% | |
SWBC MORTGAGE CORPORATION | $245,000 | $420,000 | 71.4% | 0.0% |
DELTA COMMUNITY CREDIT UNION | $765,000 | $415,000 | -45.8% | 0.0% |
Guardian Bank | $415,000 | n/a | 0.0% | |
SUCCESS MORTGAGE PARTNERS, INC. | $415,000 | n/a | 0.0% | |
RESIDENTIAL BANCORP | $390,000 | $385,000 | -1.3% | 0.0% |
Watermark Capital, Inc. | $385,000 | n/a | 0.0% | |
Alcova Mortgage LLC | $410,000 | $375,000 | -8.5% | 0.0% |
Lakeview Community Capital, LLC | $375,000 | n/a | 0.0% | |
Capital City Bank | $360,000 | n/a | 0.0% | |
LIMA ONE CAPITAL, LLC | $300,000 | $360,000 | 20.0% | 0.0% |
CITIZENS EQUITY FIRST | $195,000 | $355,000 | 82.1% | 0.0% |
CONTOUR MORTGAGE CORPORATION | $115,000 | $355,000 | 208.7% | 0.0% |
JMAC LENDING, INC. | $355,000 | n/a | 0.0% | |
EMBRACE HOME LOANS, INC. | $345,000 | n/a | 0.0% | |
First National Bank Texas | $345,000 | n/a | 0.0% | |
The Peoples Bank of Georgia | $345,000 | n/a | 0.0% | |
HOMEOWNERS FINANCIAL GROUP USA, LLC | $540,000 | $340,000 | -37.0% | 0.0% |
Prosperity Home Mortgage, LLC | $985,000 | $340,000 | -65.5% | 0.0% |
NATIONS RELIABLE LENDING, LLC | $335,000 | n/a | 0.0% | |
Plains Commerce Bank | $2,575,000 | $335,000 | -87.0% | 0.0% |
PREMIA MORTGAGE, LLC | $335,000 | n/a | 0.0% | |
ATLANTA POSTAL | $105,000 | $330,000 | 214.3% | 0.0% |
DOMINION FINANCIAL SERVICES, LLC | $240,000 | $330,000 | 37.5% | 0.0% |
BAY EQUITY LLC | $1,020,000 | $325,000 | -68.1% | 0.0% |
PREMIER MORTGAGE RESOURCES, L.L.C. | $325,000 | n/a | 0.0% | |
The Paducah Bank and Trust Company | $320,000 | n/a | 0.0% | |
HUNT MORTGAGE CORPORATION | $315,000 | n/a | 0.0% | |
SIRVA MORTGAGE, INC. | $315,000 | n/a | 0.0% | |
UNITED HOME LOANS, INC. | $315,000 | n/a | 0.0% | |
CITY FIRST MORTGAGE SERVICES, L.L.C. | $345,000 | $310,000 | -10.1% | 0.0% |
Loan Simple, Inc. | $310,000 | n/a | 0.0% | |
First Volunteer Bank | $235,000 | $305,000 | 29.8% | 0.0% |
Hometown Equity Mortgage, LLC | $305,000 | n/a | 0.0% | |
MORTGAGE INVESTORS GROUP, INC. | $970,000 | $305,000 | -68.6% | 0.0% |
Metro City Bank | $175,000 | $300,000 | 71.4% | 0.0% |
PANORAMA MORTGAGE GROUP, LLC | $95,000 | $300,000 | 215.8% | 0.0% |
Commercial Bank & Trust Co. | $295,000 | n/a | 0.0% | |
Mid-Continent Funding, Inc. | $285,000 | $295,000 | 3.5% | 0.0% |
Baxter Credit Union | $65,000 | $285,000 | 338.5% | 0.0% |
DAS Acquisition Company, LLC | $1,135,000 | $285,000 | -74.9% | 0.0% |
PENTAGON FEDERAL CREDIT UNION | $1,685,000 | $285,000 | -83.1% | 0.0% |
Bell Bank | $265,000 | $275,000 | 3.8% | 0.0% |
PeoplesSouth Bank | $110,000 | $275,000 | 150.0% | 0.0% |
West Alabama Bank & Trust | $275,000 | n/a | 0.0% | |
Bank Independent | $105,000 | $265,000 | 152.4% | 0.0% |
Peoples Bank of Alabama | $265,000 | n/a | 0.0% | |
SENTE MORTGAGE, INC. | $265,000 | n/a | 0.0% | |
ARC HOME LLC | $255,000 | n/a | 0.0% | |
Bank of Whittier | $255,000 | n/a | 0.0% | |
Citibank | $490,000 | $255,000 | -48.0% | 0.0% |
FAMILY SAVINGS | $255,000 | n/a | 0.0% | |
PEOPLES BANK OF GREENSBORO | $325,000 | $255,000 | -21.5% | 0.0% |
CARDINAL FINANCIAL | $2,560,000 | $245,000 | -90.4% | 0.0% |
Ixonia Bank | $245,000 | n/a | 0.0% | |
SOUTHWEST STAGE FUNDING, LLC | $250,000 | $245,000 | -2.0% | 0.0% |
The Citizens Bank of Philadelphia, Mississippi | $245,000 | n/a | 0.0% | |
Wilmington Savings Fund Society, FSB | $245,000 | n/a | 0.0% | |
Bank of Bartlett | $235,000 | n/a | 0.0% | |
FIRST COLONY MORTGAGE CORPORATION | $235,000 | n/a | 0.0% | |
Raymond James Bank | $505,000 | $235,000 | -53.5% | 0.0% |
Alabama Central Credit Union | $225,000 | n/a | 0.0% | |
Bank of England | $540,000 | $225,000 | -58.3% | 0.0% |
First State Bank of the South, Inc. | $225,000 | n/a | 0.0% | |
AVADIAN | $900,000 | $215,000 | -76.1% | 0.0% |
MEMBER FIRST MORTGAGE, LLC | $215,000 | n/a | 0.0% | |
Pinnacle Bank | $965,000 | $215,000 | -77.7% | 0.0% |
Texana Bank | $215,000 | n/a | 0.0% | |
Acre Mortgage and Financial Inc | $205,000 | n/a | 0.0% | |
AMERICAN HERITAGE FCU | $205,000 | n/a | 0.0% | |
AMERICAN INTERNET MORTGAGE, INC. | $205,000 | n/a | 0.0% | |
First Bank of Alabama | $255,000 | $205,000 | -19.6% | 0.0% |
ROYAL UNITED MORTGAGE LLC | $200,000 | n/a | 0.0% | |
BANKSOUTH MORTGAGE COMPANY, LLC | $275,000 | $195,000 | -29.1% | 0.0% |
Cornerstone First Mortgage, Inc | $195,000 | n/a | 0.0% | |
North American Savings Bank, F.S.B. | $375,000 | $195,000 | -48.0% | 0.0% |
Oconee State Bank | $195,000 | n/a | 0.0% | |
TEMPLE VIEW CAPITAL FUNDING, LP | $195,000 | $195,000 | 0.0% | 0.0% |
Total Media Management, LLC | $195,000 | n/a | 0.0% | |
ALL IN | $135,000 | $190,000 | 40.7% | 0.0% |
Florida Capital Bank | $185,000 | n/a | 0.0% | |
ACIPCO Federal Credit Union | $175,000 | n/a | 0.0% | |
MEMBER ONE | $175,000 | n/a | 0.0% | |
Nations Lending Corporation | $165,000 | n/a | 0.0% | |
OCMBC, INC. | $165,000 | n/a | 0.0% | |
SouthPoint Bank | $990,000 | $155,000 | -84.3% | 0.0% |
AMERICAN FINANCING CORPORATION | $345,000 | $145,000 | -58.0% | 0.0% |
ATLANTIC BAY MORTGAGE GROUP, L.L.C. | $1,280,000 | $145,000 | -88.7% | 0.0% |
Alabama One Credit Union | $250,000 | $115,000 | -54.0% | 0.0% |
LOANPAL, LLC | $405,000 | $115,000 | -71.6% | 0.0% |
M&T Bank | $405,000 | $115,000 | -71.6% | 0.0% |
ALABAMA STATE EMPLOYEES CREDIT UNION | $90,000 | $110,000 | 22.2% | 0.0% |
HOMEBRIDGE FINANCIAL SERVICES, INC. | $110,000 | n/a | 0.0% | |
HNB First Bank | $25,000 | $100,000 | 300.0% | 0.0% |
CIS Financial Services, Inc. | $85,000 | n/a | 0.0% | |
First Southern National Bank | $75,000 | n/a | 0.0% | |
AMERICA'S FIRST | $185,000 | $65,000 | -64.9% | 0.0% |
CREDIT HUMAN FEDERAL CREDIT UNION | $55,000 | $65,000 | 18.2% | 0.0% |
Stock Yards Bank & Trust Company | $65,000 | n/a | 0.0% | |
EvaBank | $410,000 | $60,000 | -85.4% | 0.0% |
The Hometown Bank of Alabama | $35,000 | $60,000 | 71.4% | 0.0% |
BETTER MORTGAGE CORPORATION | $1,245,000 | $55,000 | -95.6% | 0.0% |
STANDARD MORTGAGE CORPORATION | $55,000 | n/a | 0.0% | |
Farmers & Merchants Bank | $45,000 | n/a | 0.0% | |
PeoplesTrust Bank | $35,000 | $35,000 | 0.0% | 0.0% |
AUBURN - OPELIKA's top lender by overall market share is CMG MORTGAGE, INC., with 8.5% market share. In second place, with 4.6%, is CANOPY MORTGAGE, LLC, having originated $54,410,000 in loans. In third place, with 4.6%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $54,005,000 in loans. In fourth place, with 4.1%, is PENNYMAC LOAN SERVICES, LLC, having originated $48,385,000 in loans. In fifth place, with 4.0%, is QUICKEN LOANS, LLC, having originated $47,335,000 in loans.
AUBURN - OPELIKA Housing Market Trends (Median, Average Prices & Listing Count)
Realtor.com - AUBURN - OPELIKA (CBSA) retrieved from FRED, Federal Reserve Bank of St. LouisDate | Median Listing Price (YoY Change) | Average Listing Price (YoY) | MSA/US Median Price Ratio | Active Listings |
---|---|---|---|---|
2018-01-01 | $273,700 (21.7%) | $303,063 (13.9%) | 1.01 | 693 |
2018-02-01 | $274,950 (18.3%) | $301,848 (9.3%) | 1.00 | 737 |
2018-03-01 | $271,500 (11.0%) | $296,347 (4.7%) | 0.95 | 774 |
2018-04-01 | $277,000 (9.7%) | $305,822 (6.1%) | 0.94 | 770 |
2018-05-01 | $285,120 (9.7%) | $319,517 (9.4%) | 0.95 | 764 |
2018-06-01 | $285,000 (9.9%) | $321,018 (10.1%) | 0.95 | 802 |
2018-07-01 | $282,400 (5.1%) | $321,659 (7.1%) | 0.94 | 828 |
2018-08-01 | $277,944 (3.5%) | $316,059 (4.1%) | 0.93 | 858 |
2018-09-01 | $279,000 (5.3%) | $317,465 (5.5%) | 0.94 | 842 |
2018-10-01 | $279,900 (5.6%) | $316,913 (6.1%) | 0.95 | 825 |
2018-11-01 | $282,290 (5.3%) | $312,100 (3.0%) | 0.96 | 805 |
2018-12-01 | $282,500 (4.7%) | $305,667 (0.0%) | 0.97 | 807 |
2019-01-01 | $279,975 (2.3%) | $304,786 (0.6%) | 0.97 | 787 |
2019-02-01 | $280,200 (1.9%) | $308,976 (2.4%) | 0.95 | 809 |
2019-03-01 | $287,857 (6.0%) | $314,735 (6.2%) | 0.94 | 842 |
2019-04-01 | $295,000 (6.5%) | $320,908 (4.9%) | 0.94 | 866 |
2019-05-01 | $292,692 (2.7%) | $319,587 (0.0%) | 0.91 | 887 |
2019-06-01 | $289,900 (1.7%) | $315,877 (-1.6%) | 0.91 | 899 |
2019-07-01 | $288,137 (2.0%) | $318,904 (-0.9%) | 0.90 | 879 |
2019-08-01 | $286,849 (3.2%) | $318,831 (0.9%) | 0.91 | 862 |
2019-09-01 | $282,940 (1.4%) | $317,215 (-0.1%) | 0.91 | 841 |
2019-10-01 | $279,918 (0.0%) | $316,808 (0.0%) | 0.90 | 823 |
2019-11-01 | $279,900 (-0.9%) | $315,559 (1.1%) | 0.92 | 808 |
2019-12-01 | $281,546 (-0.3%) | $317,533 (3.9%) | 0.94 | 774 |
2020-01-01 | $279,900 (0.0%) | $315,116 (3.4%) | 0.94 | 746 |
2020-02-01 | $279,900 (-0.1%) | $314,023 (1.6%) | 0.92 | 770 |
2020-03-01 | $279,956 (-2.7%) | $313,209 (-0.5%) | 0.88 | 796 |
2020-04-01 | $287,225 (-2.6%) | $313,905 (-2.2%) | 0.90 | 831 |
2020-05-01 | $289,000 (-1.3%) | $317,032 (-0.8%) | 0.88 | 792 |
2020-06-01 | $294,500 (1.6%) | $334,499 (5.9%) | 0.87 | 756 |
2020-07-01 | $294,569 (2.2%) | $335,593 (5.2%) | 0.85 | 718 |
2020-08-01 | $295,000 (2.8%) | $332,661 (4.3%) | 0.85 | 688 |
2020-09-01 | $295,550 (4.5%) | $336,536 (6.1%) | 0.85 | 682 |
2020-10-01 | $304,132 (8.7%) | $346,358 (9.3%) | 0.87 | 649 |
2020-11-01 | $308,125 (10.1%) | $354,571 (12.4%) | 0.90 | 611 |
2020-12-01 | $306,880 (9.0%) | $360,213 (13.4%) | 0.91 | 561 |
2021-01-01 | $309,000 (10.4%) | $366,282 (16.2%) | 0.92 | 514 |
2021-02-01 | $314,989 (12.5%) | $371,380 (18.3%) | 0.92 | 511 |
2021-03-01 | $318,950 (13.9%) | $367,912 (17.5%) | 0.91 | 509 |
2021-04-01 | $323,100 (12.5%) | $377,320 (20.2%) | 0.87 | 497 |
2021-05-01 | $329,900 (14.2%) | $395,521 (24.8%) | 0.88 | 425 |
2021-06-01 | $347,729 (18.1%) | $400,137 (19.6%) | 0.92 | 424 |
2021-07-01 | $334,500 (13.6%) | $393,635 (17.3%) | 0.88 | 447 |
2021-08-01 | $337,425 (14.4%) | $390,811 (17.5%) | 0.90 | 518 |
2021-09-01 | $333,580 (12.9%) | $387,302 (15.1%) | 0.89 | 486 |
2021-10-01 | $333,478 (9.7%) | $397,481 (14.8%) | 0.89 | 455 |
2021-11-01 | $340,073 (10.4%) | $394,766 (11.3%) | 0.91 | 404 |
2021-12-01 | $343,909 (12.1%) | $402,886 (11.9%) | 0.93 | 362 |
2022-01-01 | $350,151 (13.3%) | $407,945 (11.4%) | 0.95 | 339 |
2022-02-01 | $349,900 (11.1%) | $405,410 (9.2%) | 0.91 | 331 |
2022-03-01 | $362,963 (13.8%) | $407,951 (10.9%) | 0.91 | 345 |
2022-04-01 | $370,481 (14.7%) | $414,681 (9.9%) | 0.88 | 368 |
2022-05-01 | $368,615 (11.7%) | $421,290 (6.5%) | 0.84 | 396 |
2022-06-01 | $379,900 (9.3%) | $435,700 (8.9%) | 0.85 | 473 |
2022-07-01 | $377,870 (13.0%) | $437,974 (11.3%) | 0.85 | 523 |
2022-08-01 | $375,925 (11.4%) | $429,363 (9.9%) | 0.87 | 527 |
2022-09-01 | $374,539 (12.3%) | $428,824 (10.7%) | 0.88 | 520 |
2022-10-01 | $370,000 (11.0%) | $422,147 (6.2%) | 0.87 | 564 |
2022-11-01 | $368,575 (8.4%) | $421,602 (6.8%) | 0.89 | 574 |
2022-12-01 | $374,900 (9.0%) | $432,942 (7.5%) | 0.93 | 524 |
2023-01-01 | $376,784 (7.6%) | $431,637 (5.8%) | 0.93 | 520 |
2023-02-01 | $373,900 (6.9%) | $425,340 (4.9%) | 0.90 | 505 |
2023-03-01 | $374,950 (3.3%) | $429,221 (5.2%) | 0.88 | 503 |
2023-04-01 | $385,000 (3.9%) | $446,698 (7.7%) | 0.90 | 515 |
2023-05-01 | $389,450 (5.7%) | $455,345 (8.1%) | 0.88 | 559 |
2023-06-01 | $386,725 (1.8%) | $458,008 (5.1%) | 0.87 | 610 |
2023-07-01 | $397,200 (5.1%) | $464,153 (6.0%) | 0.90 | 621 |
2023-08-01 | $398,450 (6.0%) | $461,523 (7.5%) | 0.91 | 632 |
2023-09-01 | $399,000 (6.5%) | $465,395 (8.5%) | 0.93 | 618 |
2023-10-01 | $398,918 (7.8%) | $489,948 (16.1%) | 0.94 | 632 |
2023-11-01 | $389,475 (5.7%) | $483,942 (14.8%) | 0.93 | 648 |
2023-12-01 | $381,614 (1.8%) | $473,110 (9.3%) | 0.93 | 629 |
2024-01-01 | $388,050 (3.0%) | $471,197 (9.2%) | 0.95 | 640 |
2024-02-01 | $389,698 (4.2%) | $471,701 (10.9%) | 0.94 | 640 |
2024-03-01 | $385,987 (2.9%) | $488,424 (13.8%) | 0.91 | 657 |
2024-04-01 | $394,237 (2.4%) | $497,095 (11.3%) | 0.92 | 646 |
2024-05-01 | $399,675 (2.6%) | $505,316 (11.0%) | 0.91 | 649 |
2024-06-01 | $399,900 (3.4%) | $500,980 (9.4%) | 0.91 | 678 |
2024-07-01 | $399,000 (0.5%) | $503,877 (8.6%) | 0.91 | 716 |
2024-08-01 | $399,500 (0.3%) | $498,061 (7.9%) | 0.93 | 752 |
2024-09-01 | $399,578 (0.1%) | $491,600 (5.6%) | 0.94 | 773 |
2024-10-01 | $410,000 (2.8%) | $495,725 (1.2%) | 0.96 | 798 |
2024-11-01 | $408,510 (4.9%) | $492,881 (1.9%) | 0.98 | 835 |
2024-12-01 | $394,958 (3.5%) | $495,585 (4.8%) | 0.98 | 705 |
2025-01-01 | $389,934 (0.5%) | $487,497 (3.5%) | 0.97 | 712 |
2025-02-01 | $398,713 (2.3%) | $487,052 (3.3%) | 0.97 | 736 |
2025-03-01 | $404,950 (4.9%) | $506,862 (3.8%) | 0.00 | 749 |
AUBURN - OPELIKA's median listing price comes in at 0% of the national average.
AUBURN - OPELIKA's average listing price for 2025-03-01 was $506,862, a difference of $18,438 (3.8%) versus the prior year and $19,810 versus the prior month.
For the 2025-03-01 period, AUBURN - OPELIKA had 749 MLS listings, a difference of 13 listings (2%) versus the prior month and 92 listings (14%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - AUBURN - OPELIKA (CBSA) retrieved from FRED, Federal Reserve Bank of St. LouisDate | Median Listing Time on Market | Median Square Footage |
---|---|---|
2018-01-01 | 81 days | 2,400 sqft |
2018-02-01 | 67 days | 2,406 sqft |
2018-03-01 | 59 days | 2,400 sqft |
2018-04-01 | 56 days | 2,390 sqft |
2018-05-01 | 57 days | 2,418 sqft |
2018-06-01 | 61 days | 2,406 sqft |
2018-07-01 | 67 days | 2,441 sqft |
2018-08-01 | 65 days | 2,415 sqft |
2018-09-01 | 71 days | 2,432 sqft |
2018-10-01 | 85 days | 2,458 sqft |
2018-11-01 | 95 days | 2,412 sqft |
2018-12-01 | 96 days | 2,367 sqft |
2019-01-01 | 91 days | 2,334 sqft |
2019-02-01 | 77 days | 2,336 sqft |
2019-03-01 | 64 days | 2,366 sqft |
2019-04-01 | 58 days | 2,381 sqft |
2019-05-01 | 59 days | 2,383 sqft |
2019-06-01 | 64 days | 2,359 sqft |
2019-07-01 | 68 days | 2,368 sqft |
2019-08-01 | 72 days | 2,398 sqft |
2019-09-01 | 78 days | 2,385 sqft |
2019-10-01 | 84 days | 2,389 sqft |
2019-11-01 | 82 days | 2,400 sqft |
2019-12-01 | 88 days | 2,396 sqft |
2020-01-01 | 90 days | 2,358 sqft |
2020-02-01 | 81 days | 2,300 sqft |
2020-03-01 | 55 days | 2,292 sqft |
2020-04-01 | 64 days | 2,289 sqft |
2020-05-01 | 74 days | 2,291 sqft |
2020-06-01 | 70 days | 2,325 sqft |
2020-07-01 | 60 days | 2,291 sqft |
2020-08-01 | 60 days | 2,280 sqft |
2020-09-01 | 60 days | 2,259 sqft |
2020-10-01 | 66 days | 2,330 sqft |
2020-11-01 | 75 days | 2,302 sqft |
2020-12-01 | 83 days | 2,269 sqft |
2021-01-01 | 76 days | 2,229 sqft |
2021-02-01 | 51 days | 2,208 sqft |
2021-03-01 | 40 days | 2,201 sqft |
2021-04-01 | 50 days | 2,226 sqft |
2021-05-01 | 37 days | 2,222 sqft |
2021-06-01 | 37 days | 2,249 sqft |
2021-07-01 | 38 days | 2,189 sqft |
2021-08-01 | 34 days | 2,161 sqft |
2021-09-01 | 42 days | 2,116 sqft |
2021-10-01 | 53 days | 2,133 sqft |
2021-11-01 | 54 days | 2,137 sqft |
2021-12-01 | 55 days | 2,179 sqft |
2022-01-01 | 57 days | 2,234 sqft |
2022-02-01 | 38 days | 2,194 sqft |
2022-03-01 | 33 days | 2,272 sqft |
2022-04-01 | 31 days | 2,273 sqft |
2022-05-01 | 34 days | 2,271 sqft |
2022-06-01 | 32 days | 2,280 sqft |
2022-07-01 | 40 days | 2,258 sqft |
2022-08-01 | 58 days | 2,274 sqft |
2022-09-01 | 60 days | 2,269 sqft |
2022-10-01 | 60 days | 2,296 sqft |
2022-11-01 | 59 days | 2,293 sqft |
2022-12-01 | 76 days | 2,330 sqft |
2023-01-01 | 85 days | 2,318 sqft |
2023-02-01 | 67 days | 2,230 sqft |
2023-03-01 | 58 days | 2,192 sqft |
2023-04-01 | 54 days | 2,214 sqft |
2023-05-01 | 47 days | 2,279 sqft |
2023-06-01 | 46 days | 2,260 sqft |
2023-07-01 | 52 days | 2,269 sqft |
2023-08-01 | 55 days | 2,300 sqft |
2023-09-01 | 62 days | 2,271 sqft |
2023-10-01 | 66 days | 2,328 sqft |
2023-11-01 | 65 days | 2,225 sqft |
2023-12-01 | 71 days | 2,184 sqft |
2024-01-01 | 77 days | 2,197 sqft |
2024-02-01 | 69 days | 2,190 sqft |
2024-03-01 | 60 days | 2,191 sqft |
2024-04-01 | 54 days | 2,187 sqft |
2024-05-01 | 48 days | 2,180 sqft |
2024-06-01 | 50 days | 2,212 sqft |
2024-07-01 | 51 days | 2,197 sqft |
2024-08-01 | 57 days | 2,170 sqft |
2024-09-01 | 64 days | 2,135 sqft |
2024-10-01 | 67 days | 2,191 sqft |
2024-11-01 | 72 days | 2,121 sqft |
2024-12-01 | 67 days | 2,034 sqft |
2025-01-01 | 64 days | 2,047 sqft |
2025-02-01 | 55 days | 2,082 sqft |
2025-03-01 | 0 days | 2,155 sqft |
AUBURN - OPELIKA's median square footage for active listings during the 2025-03-01 period was 2,155 sqft. One year prior, the average listing was 2,191 sqft.
AUBURN-OPELIKA, AL Market Loan Reason
Loan Purpose | Originations | Total Value | Average Loan |
---|---|---|---|
Home Purchase | 2,614 | $802,180,000 | $306,878 |
Cash Out Refi | 467 | $141,095,000 | $302,131 |
Refi | 435 | $176,825,000 | $406,494 |
Other | 270 | $32,980,000 | $122,148 |
Home Improvement | 261 | $28,045,000 | $107,452 |
Auburn - Opelika's most frequently cited loan purpose was Home Purchase, with 2,614 originations. The 2nd most popular reason was Cash Out Refi, with 467 originations.
Interest Rate Frequencies
Loan Rate | Originations | Total Value | Average Loan |
---|---|---|---|
6-7% | 1,686 | $526,470,000 | $312,260 |
5-6% | 768 | $254,840,000 | $331,823 |
Over 8% | 667 | $84,275,000 | $126,349 |
7-8% | 642 | $178,220,000 | $277,601 |
4-5% | 107 | $52,595,000 | $491,542 |
3-4% | 4 | $1,180,000 | $295,000 |
<2.5% | 3 | $185,000 | $61,667 |
During 2024, Auburn - Opelika's most frequently originated rate bucket was 6-7%, with 1,686 originations.
Loan Sizing (AUBURN-OPELIKA, AL MSA)
Loan Size | Originations | Total Value | Average Loan |
---|---|---|---|
$200k-400k | 1,932 | $557,960,000 | $288,799 |
$100k-200k | 797 | $119,885,000 | $150,420 |
$100,000 or less | 750 | $40,370,000 | $53,827 |
$400k-600k | 415 | $193,835,000 | $467,072 |
$600k-1000k | 111 | $80,955,000 | $729,324 |
$Over $1MM | 42 | $188,120,000 | $4,479,048 |
AUBURN - OPELIKA's loan sizing saw the bucket of loans from $200k-400k with 1,932 originations, totaling $557,960,000 in origination value.
LTV Distribution
Loan to Value | Originations | Total Value | Average Loan |
---|---|---|---|
80-100% | 1,775 | $553,305,000 | $311,721 |
60-80% | 802 | $299,270,000 | $373,155 |
Under 20% | 427 | $25,125,000 | $58,841 |
20-40% | 350 | $50,210,000 | $143,457 |
40-60% | 305 | $103,225,000 | $338,443 |
Over 100% | 156 | $48,400,000 | $310,256 |
AUBURN - OPELIKA's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 1,775 originations, totaling $553,305,000 in origination value.