AUBURN - OPELIKA Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Auburn - Opelika averaged
6.51%
for the week of 2024-11-07, compared to the national average of
6.79% for the same period.
The average rate for the prior week (2024-10-31) was
6.44% and
one month ago for the week of 2024-10-03, the
average rate was 6.24%.
Auburn - Opelika's average rate one year ago was 7.78%.
For refis of the same type during the week of 2024-11-07, the average rate
was 6.94%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2024-11-07 | 6.79% |
| Auburn - Opelika 30 Year Fixed Rate | 2024-11-07 | 6.51% |
| Auburn - Opelika 30 Year Fixed Rate Refi | 2024-11-07 | 6.94% |
| Auburn - Opelika 15 Year Fixed Rate | 2024-11-07 | 6.47% |
| Auburn - Opelika 15 Year Fixed Rate Refi | 2024-11-07 | 6.6% |
| Auburn - Opelika 30 Year FHA | 2024-11-07 | 6.08% |
| Auburn - Opelika 30 Year FHA Refi | 2024-11-07 | 6.43% |
| Auburn - Opelika 30 Year USDA | 2024-11-07 | 6.28% |
| Auburn - Opelika 30 Year USDA Refi | 2024-11-07 | 6.48% |
| Auburn - Opelika 30 Year VA | 2024-11-07 | 6.08% |
| Auburn - Opelika 30 Year VA Refi | 2024-11-07 | 6.34% |
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 151 lenders originated 3,622
loans during 2023. The total origination value was $1,036,600,000, with an average loan value of
$286,195.
AUBURN - OPELIKA's average closing costs are $5,006.
The top AUBURN - OPELIKA lender as defined by loan originations is CMG MORTGAGE, INC., with
146 loans originated. Their average total fees are
$7,938, which is $977
higher than the next largest lender,
Trustmark National Bank.
The lowest fee AUBURN - OPELIKA lenders (with over 10 loans originated) are
HOMESTAR FINANCIAL CORPORATION ($3,184), BancorpSouth ($4,070), Wells Fargo Bank ($4,102), MOVEMENT MORTGAGE, LLC ($4,257) and Regions Bank ($4,646).
The lowest rate AUBURN - OPELIKA lenders (with over 10 loans originated) are
Regions Bank (6.31%), CMG MORTGAGE, INC. (6.32%), BancorpSouth (6.44%), Trustmark National Bank (6.47%) and HOMESTAR FINANCIAL CORPORATION (6.49%).
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 | 2022 Loan Value | 2023 Loan Value | % Change | 2023 Market Share |
|---|---|---|---|---|
| CMG MORTGAGE, INC. | $88,045,000 | $85,485,000 | -2.9% | 8.2% |
| LENDINGONE, LLC | $82,940,000 | n/a | 8.0% | |
| Trustmark National Bank | $81,350,000 | $56,135,000 | -31.0% | 5.4% |
| Renasant Bank | $62,560,000 | $50,210,000 | -19.7% | 4.8% |
| UNITED WHOLESALE MORTGAGE, LLC | $37,405,000 | $47,130,000 | 26.0% | 4.5% |
| Metropolitan Life Insurance Co | $44,625,000 | n/a | 4.3% | |
| River Bank & Trust | $61,535,000 | $43,780,000 | -28.9% | 4.2% |
| South State Bank | $45,260,000 | $33,670,000 | -25.6% | 3.2% |
| QUICKEN LOANS, LLC | $59,060,000 | $32,630,000 | -44.8% | 3.1% |
| AuburnBank | $29,735,000 | $31,290,000 | 5.2% | 3.0% |
| PENNYMAC LOAN SERVICES, LLC | $33,500,000 | $28,855,000 | -13.9% | 2.8% |
| GUILD MORTGAGE COMPANY | $25,995,000 | $25,025,000 | -3.7% | 2.4% |
| CROSSCOUNTRY MORTGAGE, LLC | $33,140,000 | $19,060,000 | -42.5% | 1.8% |
| Mortgage Research Center, LLC | $26,825,000 | $18,480,000 | -31.1% | 1.8% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $29,180,000 | $17,305,000 | -40.7% | 1.7% |
| Regions Bank | $17,035,000 | $17,195,000 | 0.9% | 1.7% |
| Synovus Bank | $21,505,000 | $13,690,000 | -36.3% | 1.3% |
| MOVEMENT MORTGAGE, LLC | $7,560,000 | $13,000,000 | 72.0% | 1.3% |
| Truist | $22,480,000 | $12,705,000 | -43.5% | 1.2% |
| CANOPY MORTGAGE, LLC | $12,425,000 | n/a | 1.2% | |
| NAVY FEDERAL CREDIT UNION | $15,460,000 | $12,125,000 | -21.6% | 1.2% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $22,680,000 | $11,725,000 | -48.3% | 1.1% |
| PNC Bank | $14,360,000 | $11,505,000 | -19.9% | 1.1% |
| First American Bank and Trust Company | $11,495,000 | n/a | 1.1% | |
| HOMESTAR FINANCIAL CORPORATION | $28,835,000 | $10,135,000 | -64.9% | 1.0% |
| BancorpSouth | $14,455,000 | $9,465,000 | -34.5% | 0.9% |
| EMM LOANS LLC | $3,920,000 | $9,415,000 | 140.2% | 0.9% |
| MAX Credit Union | $9,680,000 | $9,250,000 | -4.4% | 0.9% |
| Northpointe Bank | $7,610,000 | $8,805,000 | 15.7% | 0.8% |
| Flagstar Bank, FSB | $6,165,000 | $8,055,000 | 30.7% | 0.8% |
| Keystone Funding, Inc. | $7,300,000 | n/a | 0.7% | |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $11,000,000 | $6,450,000 | -41.4% | 0.6% |
| AUBURN UNIVERSITY CREDIT UNION | $6,360,000 | $6,140,000 | -3.5% | 0.6% |
| NEWREZ LLC | $5,545,000 | $5,930,000 | 6.9% | 0.6% |
| EVERETT FINANCIAL, INC. | $8,325,000 | $5,805,000 | -30.3% | 0.6% |
| Stifel Bank and Trust | $4,465,000 | $5,095,000 | 14.1% | 0.5% |
| Wells Fargo Bank | $23,635,000 | $5,065,000 | -78.6% | 0.5% |
| FREEDOM MORTGAGE CORPORATION | $7,720,000 | $5,005,000 | -35.2% | 0.5% |
| AMERISAVE MORTGAGE CORPORATION | $5,510,000 | $4,740,000 | -14.0% | 0.5% |
| NEW DAY FINANCIAL, LLC | $5,755,000 | $4,695,000 | -18.4% | 0.5% |
| GUARANTEED RATE, INC. | $835,000 | $4,660,000 | 458.1% | 0.4% |
| AMERICAN FINANCIAL NETWORK, INC. | $4,635,000 | n/a | 0.4% | |
| Ameris Bank | $8,895,000 | $4,500,000 | -49.4% | 0.4% |
| LOANDEPOT.COM, LLC | $38,640,000 | $4,480,000 | -88.4% | 0.4% |
| Southern States Bank | $9,280,000 | $4,230,000 | -54.4% | 0.4% |
| U.S. Bank | $8,185,000 | $4,155,000 | -49.2% | 0.4% |
| USAA Federal Savings Bank | $10,380,000 | $3,930,000 | -62.1% | 0.4% |
| SOUTHEAST MORTGAGE OF GEORGIA, INC. | $1,225,000 | $3,765,000 | 207.3% | 0.4% |
| BROKER SOLUTIONS, INC. | $9,670,000 | $3,395,000 | -64.9% | 0.3% |
| Phenix-Girard Bank | $1,795,000 | $3,105,000 | 73.0% | 0.3% |
| First Peoples Bank | $3,015,000 | n/a | 0.3% | |
| Colony Bank | $2,360,000 | $2,755,000 | 16.7% | 0.3% |
| Valley National Bank | $5,795,000 | $2,680,000 | -53.8% | 0.3% |
| HOMESIDE FINANCIAL, LLC | $2,560,000 | $2,595,000 | 1.4% | 0.3% |
| The Federal Savings Bank | $570,000 | $2,580,000 | 352.6% | 0.2% |
| Plains Commerce Bank | $1,595,000 | $2,575,000 | 61.4% | 0.2% |
| CARDINAL FINANCIAL | $1,710,000 | $2,560,000 | 49.7% | 0.2% |
| Mr. Cooper ( Nationstar Mortgage ) | $7,200,000 | $2,365,000 | -67.2% | 0.2% |
| AMERIFIRST BANK | $2,225,000 | n/a | 0.2% | |
| SmartBank | $925,000 | $2,135,000 | 130.8% | 0.2% |
| STOCKTON MORTGAGE CORPORATION | $935,000 | $2,040,000 | 118.2% | 0.2% |
| Carrington Mortgage Services, LLC | $3,435,000 | $2,025,000 | -41.0% | 0.2% |
| TJC Mortgage, Inc. | $2,520,000 | $2,005,000 | -20.4% | 0.2% |
| ServisFirst Bank | $3,505,000 | $1,895,000 | -45.9% | 0.2% |
| Morgan Stanley Private Bank | $940,000 | $1,885,000 | 100.5% | 0.2% |
| First Horizon Bank | $2,085,000 | $1,880,000 | -9.8% | 0.2% |
| BNY Mellon | $475,000 | $1,825,000 | 284.2% | 0.2% |
| PHH Mortgage Corporation | $860,000 | $1,820,000 | 111.6% | 0.2% |
| Discover Bank | $1,530,000 | $1,810,000 | 18.3% | 0.2% |
| RUOFF MORTGAGE COMPANY, INC. | $3,390,000 | $1,745,000 | -48.5% | 0.2% |
| GMFS LLC | $1,230,000 | $1,735,000 | 41.1% | 0.2% |
| PENTAGON FEDERAL CREDIT UNION | $1,455,000 | $1,685,000 | 15.8% | 0.2% |
| DHI MORTGAGE COMPANY, LTD. | $1,595,000 | n/a | 0.2% | |
| United Community Bank | $1,580,000 | n/a | 0.2% | |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $3,445,000 | $1,550,000 | -55.0% | 0.1% |
| APCO EMPLOYEES | $1,930,000 | $1,540,000 | -20.2% | 0.1% |
| INTERLINC MORTGAGE SERVICES, LLC | $22,090,000 | $1,530,000 | -93.1% | 0.1% |
| Bank of America | $7,870,000 | $1,485,000 | -81.1% | 0.1% |
| UNION HOME MORTGAGE CORP. | $2,560,000 | $1,440,000 | -43.8% | 0.1% |
| Citizens Bank | $930,000 | $1,425,000 | 53.2% | 0.1% |
| ENVOY MORTGAGE, LTD | $2,945,000 | $1,385,000 | -53.0% | 0.1% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | $1,280,000 | n/a | 0.1% | |
| First Community Bank of Central Alabama | $7,480,000 | $1,270,000 | -83.0% | 0.1% |
| 21ST MORTGAGE CORPORATION | $1,810,000 | $1,260,000 | -30.4% | 0.1% |
| CB&S Bank, Inc. | $3,160,000 | $1,250,000 | -60.4% | 0.1% |
| BETTER MORTGAGE CORPORATION | $1,815,000 | $1,245,000 | -31.4% | 0.1% |
| KINETIC FEDERAL CREDIT UNION | $2,080,000 | $1,230,000 | -40.9% | 0.1% |
| VILLAGE CAPITAL MORTGAGE | $1,055,000 | $1,150,000 | 9.0% | 0.1% |
| DAS Acquisition Company, LLC | $490,000 | $1,135,000 | 131.6% | 0.1% |
| Arbor Realty Trust, Inc. | $1,125,000 | n/a | 0.1% | |
| Citadel Servicing Corporation | $270,000 | $1,100,000 | 307.4% | 0.1% |
| FIRST COMMUNITY MORTGAGE, INC. | $15,500,000 | $1,040,000 | -93.3% | 0.1% |
| BAY EQUITY LLC | $875,000 | $1,020,000 | 16.6% | 0.1% |
| FBC MORTGAGE, LLC | $1,510,000 | $1,010,000 | -33.1% | 0.1% |
| Magnolia Bank | $215,000 | $1,010,000 | 369.8% | 0.1% |
| SouthPoint Bank | $1,540,000 | $990,000 | -35.7% | 0.1% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | $985,000 | n/a | 0.1% | |
| Prosperity Home Mortgage, LLC | $1,790,000 | $985,000 | -45.0% | 0.1% |
| MORTGAGE INVESTORS GROUP, INC. | $1,555,000 | $970,000 | -37.6% | 0.1% |
| Pinnacle Bank | $2,055,000 | $965,000 | -53.0% | 0.1% |
| AmeriHome Mortgage Company, LLC | $1,330,000 | $945,000 | -28.9% | 0.1% |
| DEEPHAVEN MORTGAGE LLC | $105,000 | $925,000 | 781.0% | 0.1% |
| First Federal Bank | $3,615,000 | $905,000 | -75.0% | 0.1% |
| AVADIAN | $510,000 | $900,000 | 76.5% | 0.1% |
| The Huntington National Bank | $890,000 | n/a | 0.1% | |
| FIRST TECHNOLOGY | $875,000 | n/a | 0.1% | |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $3,420,000 | $865,000 | -74.7% | 0.1% |
| Farmers Bank & Trust | $395,000 | $840,000 | 112.7% | 0.1% |
| OPEN MORTGAGE, LLC | $340,000 | $835,000 | 145.6% | 0.1% |
| Troy Bank and Trust Company | $12,305,000 | $810,000 | -93.4% | 0.1% |
| TRIAD FINANCIAL SERVICES, INC. | $2,445,000 | $805,000 | -67.1% | 0.1% |
| NBKC BANK | $1,440,000 | $795,000 | -44.8% | 0.1% |
| TOGETHER CREDIT UNION | $795,000 | n/a | 0.1% | |
| LAKEVIEW LOAN SERVICING, LLC | $4,470,000 | $790,000 | -82.3% | 0.1% |
| DELTA COMMUNITY CREDIT UNION | $880,000 | $765,000 | -13.1% | 0.1% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $1,640,000 | $745,000 | -54.6% | 0.1% |
| JPMorgan Chase Bank | $6,300,000 | $740,000 | -88.3% | 0.1% |
| PLANET HOME LENDING, LLC | $910,000 | $735,000 | -19.2% | 0.1% |
| RELIANCE FIRST CAPITAL, LLC | $650,000 | $735,000 | 13.1% | 0.1% |
| The Citizens Bank | $735,000 | n/a | 0.1% | |
| Merchants Bank of Indiana | $175,000 | $725,000 | 314.3% | 0.1% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $2,605,000 | $710,000 | -72.7% | 0.1% |
| Hancock Whitney Bank | $355,000 | $700,000 | 97.2% | 0.1% |
| ZILLOW HOME LOANS, LLC | $680,000 | n/a | 0.1% | |
| Merchants Mortgage & Trust Corporation | $645,000 | n/a | 0.1% | |
| Georgia Community Bank | $635,000 | n/a | 0.1% | |
| GEORGIA'S OWN | $635,000 | n/a | 0.1% | |
| Guardian Credit Union | $895,000 | $600,000 | -33.0% | 0.1% |
| The Loan Store, Inc. | $590,000 | n/a | 0.1% | |
| Five Star Credit Union | $225,000 | $575,000 | 155.6% | 0.1% |
| FirstBank | $11,210,000 | $560,000 | -95.0% | 0.1% |
| United Bank | $315,000 | $555,000 | 76.2% | 0.1% |
| First South Farm Credit, ACA | $2,735,000 | $550,000 | -79.9% | 0.1% |
| Bank of England | $550,000 | $540,000 | -1.8% | 0.1% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | $245,000 | $540,000 | 120.4% | 0.1% |
| ACADEMY MORTGAGE CORPORATION | $535,000 | n/a | 0.1% | |
| SUN WEST MORTGAGE COMPANY, INC. | $595,000 | $520,000 | -12.6% | 0.1% |
| REDSTONE Federal Credit Union | $630,000 | $510,000 | -19.0% | 0.0% |
| Raymond James Bank | $385,000 | $505,000 | 31.2% | 0.0% |
| Figure Lending LLC | $475,000 | $495,000 | 4.2% | 0.0% |
| Citibank | $490,000 | n/a | 0.0% | |
| MILEND, INC. | $1,390,000 | $485,000 | -65.1% | 0.0% |
| Coastal Community Bank | $480,000 | n/a | 0.0% | |
| NASA Federal Credit Union | $465,000 | n/a | 0.0% | |
| Metro Bank | $455,000 | n/a | 0.0% | |
| First Jackson Bank, Inc. | $395,000 | $450,000 | 13.9% | 0.0% |
| ALLIANT CREDIT UNION | $445,000 | n/a | 0.0% | |
| AgFirst Farm Credit Bank | $435,000 | n/a | 0.0% | |
| CALIBER HOME LOANS, INC. | $6,445,000 | $435,000 | -93.3% | 0.0% |
| MidSouth Bank | $430,000 | n/a | 0.0% | |
| FINANCE OF AMERICA REVERSE LLC | $425,000 | n/a | 0.0% | |
| Alcova Mortgage LLC | $410,000 | n/a | 0.0% | |
| BankSouth | $410,000 | n/a | 0.0% | |
| EvaBank | $15,000 | $410,000 | 2,633.3% | 0.0% |
| LOANPAL, LLC | $405,000 | n/a | 0.0% | |
| M&T Bank | $210,000 | $405,000 | 92.9% | 0.0% |
| Central State Bank | $335,000 | $400,000 | 19.4% | 0.0% |
| Bank of Hope | $395,000 | n/a | 0.0% | |
| RESIDENTIAL BANCORP | $390,000 | n/a | 0.0% | |
| CASTLE & COOKE MORTGAGE, LLC | $385,000 | n/a | 0.0% | |
| CHURCHILL MORTGAGE CORPORATION | $2,270,000 | $380,000 | -83.3% | 0.0% |
| MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | $375,000 | n/a | 0.0% | |
| North American Savings Bank, F.S.B. | $1,550,000 | $375,000 | -75.8% | 0.0% |
| United Bank | $315,000 | $375,000 | 19.0% | 0.0% |
| AmRes Corporation | $365,000 | n/a | 0.0% | |
| Barrington Bank & Trust Company, N.A. | $1,220,000 | $365,000 | -70.1% | 0.0% |
| COUNTRYPLACE MORTGAGE, LTD. | $125,000 | $360,000 | 188.0% | 0.0% |
| BAYSHORE MORTGAGE FUNDING, LLC | $355,000 | n/a | 0.0% | |
| AMERICAN FINANCING CORPORATION | $2,110,000 | $345,000 | -83.6% | 0.0% |
| CITY FIRST MORTGAGE SERVICES, L.L.C. | $345,000 | n/a | 0.0% | |
| GREENSTATE CREDIT UNION | $345,000 | n/a | 0.0% | |
| Grow Financial Federal Credit Union | $345,000 | n/a | 0.0% | |
| The Central Trust Bank | $1,180,000 | $345,000 | -70.8% | 0.0% |
| Capital City Home Loans, LLC | $1,500,000 | $340,000 | -77.3% | 0.0% |
| First Savings Bank | $960,000 | $335,000 | -65.1% | 0.0% |
| Paramount Residential Mortgage Group, Inc. | $1,040,000 | $335,000 | -67.8% | 0.0% |
| UBS Bank USA | $720,000 | $335,000 | -53.5% | 0.0% |
| AOD Federal Credit Union | $325,000 | n/a | 0.0% | |
| BNC National Bank | $730,000 | $325,000 | -55.5% | 0.0% |
| PEOPLES BANK OF GREENSBORO | $325,000 | n/a | 0.0% | |
| SPRING EQ, LLC | $120,000 | $325,000 | 170.8% | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | $105,000 | $315,000 | 200.0% | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | $7,835,000 | $315,000 | -96.0% | 0.0% |
| Centennial Bank | $305,000 | n/a | 0.0% | |
| NFM, INC. | $305,000 | n/a | 0.0% | |
| AMWEST FUNDING CORP. | $1,420,000 | $300,000 | -78.9% | 0.0% |
| LIMA ONE CAPITAL, LLC | $300,000 | n/a | 0.0% | |
| American Airlines Federal Credit Union | $295,000 | n/a | 0.0% | |
| LONGBRIDGE FINANCIAL, LLC | $295,000 | n/a | 0.0% | |
| Consumer First Mortgage, Inc. | $900,000 | $285,000 | -68.3% | 0.0% |
| LENDINGHOME FUNDING CORPORATION | $285,000 | n/a | 0.0% | |
| Mid-Continent Funding, Inc. | $1,045,000 | $285,000 | -72.7% | 0.0% |
| BANKSOUTH MORTGAGE COMPANY, LLC | $1,210,000 | $275,000 | -77.3% | 0.0% |
| Colonial Savings, F.A. | $345,000 | $275,000 | -20.3% | 0.0% |
| NORWICH COMMERCIAL GROUP, INC. | $275,000 | n/a | 0.0% | |
| American Mortgage & Equity Consultants, Inc. | $265,000 | n/a | 0.0% | |
| Bell Bank | $265,000 | n/a | 0.0% | |
| First National Bank of America | $165,000 | $265,000 | 60.6% | 0.0% |
| NEW WAVE LENDING GROUP INC | $265,000 | n/a | 0.0% | |
| First Bank of Alabama | $155,000 | $255,000 | 64.5% | 0.0% |
| Alabama One Credit Union | $585,000 | $250,000 | -57.3% | 0.0% |
| SOUTHWEST STAGE FUNDING, LLC | $780,000 | $250,000 | -67.9% | 0.0% |
| Equity Prime Mortgage LLC | $675,000 | $245,000 | -63.7% | 0.0% |
| First Merchants Bank | $375,000 | $245,000 | -34.7% | 0.0% |
| SWBC MORTGAGE CORPORATION | $575,000 | $245,000 | -57.4% | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | $240,000 | n/a | 0.0% | |
| First Volunteer Bank | $225,000 | $235,000 | 4.4% | 0.0% |
| MORTGAGE ACCESS CORP. | $235,000 | n/a | 0.0% | |
| TOP FLITE FINANCIAL, INC. | $235,000 | n/a | 0.0% | |
| BankPlus | $230,000 | n/a | 0.0% | |
| Greenbox Loans, Inc. | $225,000 | n/a | 0.0% | |
| LENOX FINANCIAL MORTGAGE CORPORATION | $225,000 | n/a | 0.0% | |
| First Metro Bank | $215,000 | n/a | 0.0% | |
| Heritage South Credit Union | $215,000 | n/a | 0.0% | |
| KEESLER | $215,000 | n/a | 0.0% | |
| COMPASS MORTGAGE, INC. | $205,000 | n/a | 0.0% | |
| Southern First Bank | $205,000 | n/a | 0.0% | |
| V.I.P. MORTGAGE, INC. | $590,000 | $205,000 | -65.3% | 0.0% |
| MID AMERICA MORTGAGE, INC. | $275,000 | $200,000 | -27.3% | 0.0% |
| CITIZENS EQUITY FIRST | $195,000 | n/a | 0.0% | |
| HOMEXPRESS MORTGAGE CORP. | $575,000 | $195,000 | -66.1% | 0.0% |
| Liberty Mortgage Corporation | $1,715,000 | $195,000 | -88.6% | 0.0% |
| MIDLAND MORTGAGE CORPORATION | $195,000 | n/a | 0.0% | |
| TEMPLE VIEW CAPITAL FUNDING, LP | $195,000 | n/a | 0.0% | |
| AMERICA'S FIRST | $420,000 | $185,000 | -56.0% | 0.0% |
| Axos Bank | $185,000 | n/a | 0.0% | |
| BancFirst | $470,000 | $185,000 | -60.6% | 0.0% |
| GENEVA FINANCIAL, LLC | $315,000 | $185,000 | -41.3% | 0.0% |
| Evolve Bank & Trust | $175,000 | $175,000 | 0.0% | 0.0% |
| Metro City Bank | $660,000 | $175,000 | -73.5% | 0.0% |
| MORIA DEVELOPMENT, INC. | $175,000 | n/a | 0.0% | |
| 1ST SIGNATURE LENDING, LLC | $165,000 | n/a | 0.0% | |
| Ally Bank | $710,000 | $165,000 | -76.8% | 0.0% |
| AMERICAN HERITAGE LENDING, INC. | $165,000 | n/a | 0.0% | |
| CapStar Bank | $165,000 | n/a | 0.0% | |
| S1L, Inc. | $165,000 | n/a | 0.0% | |
| Commerce Home Mortgage, Inc. | $155,000 | n/a | 0.0% | |
| Guardian Savings Bank, A Federal Savings Bank | $155,000 | n/a | 0.0% | |
| LEGACY COMMUNITY FEDERAL CREDIT UNION | $155,000 | n/a | 0.0% | |
| CSL Financial, LLC | $150,000 | n/a | 0.0% | |
| ALABAMA TEACHERS | $115,000 | $145,000 | 26.1% | 0.0% |
| PINNACLE BANK | $145,000 | n/a | 0.0% | |
| VELOCITY COMMERCIAL CAPITAL, LLC | $145,000 | n/a | 0.0% | |
| ALL IN | $135,000 | n/a | 0.0% | |
| CERTAINTY HOME LOANS, LLC | $2,190,000 | $125,000 | -94.3% | 0.0% |
| First-Citizens Bank & Trust Company | $325,000 | $125,000 | -61.5% | 0.0% |
| Gulf Coast Bank and Trust Company | $125,000 | n/a | 0.0% | |
| AMERICAN FINANCIAL RESOURCES, INC. | $325,000 | $115,000 | -64.6% | 0.0% |
| CONTOUR MORTGAGE CORPORATION | $560,000 | $115,000 | -79.5% | 0.0% |
| Leader Bank | $115,000 | n/a | 0.0% | |
| PeoplesSouth Bank | $1,070,000 | $110,000 | -89.7% | 0.0% |
| ATLANTA POSTAL | $165,000 | $105,000 | -36.4% | 0.0% |
| Bank Independent | $865,000 | $105,000 | -87.9% | 0.0% |
| Service Federal Credit Union | $105,000 | n/a | 0.0% | |
| Suncoast Credit Union | $105,000 | n/a | 0.0% | |
| TOWER | $105,000 | n/a | 0.0% | |
| EVANSVILLE TEACHERS | $95,000 | n/a | 0.0% | |
| PANORAMA MORTGAGE GROUP, LLC | $95,000 | n/a | 0.0% | |
| ALABAMA STATE EMPLOYEES CREDIT UNION | $180,000 | $90,000 | -50.0% | 0.0% |
| DIGITAL Federal Credit Union | $800,000 | $85,000 | -89.4% | 0.0% |
| Bethpage Federal Credit Union | $75,000 | n/a | 0.0% | |
| Premier Bank of the South | $25,000 | $75,000 | 200.0% | 0.0% |
| Baxter Credit Union | $410,000 | $65,000 | -84.1% | 0.0% |
| CHERRY CREEK MORTGAGE, LLC | $705,000 | $65,000 | -90.8% | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | $105,000 | $55,000 | -47.6% | 0.0% |
| First Reliance Bank | $55,000 | n/a | 0.0% | |
| Liberty Bank | $120,000 | $55,000 | -54.2% | 0.0% |
| Traditions Bank | $55,000 | $55,000 | 0.0% | 0.0% |
| Tyndall Federal Credit Union | $55,000 | n/a | 0.0% | |
| USAlliance Federal Credit Union | $55,000 | n/a | 0.0% | |
| Marion Bank & Trust Company | $45,000 | n/a | 0.0% | |
| The First, A National Banking Association | $490,000 | $45,000 | -90.8% | 0.0% |
| UNITED | $45,000 | n/a | 0.0% | |
| Connexus Credit Union | $35,000 | n/a | 0.0% | |
| PeoplesTrust Bank | $35,000 | n/a | 0.0% | |
| The Hometown Bank of Alabama | $65,000 | $35,000 | -46.2% | 0.0% |
| HNB First Bank | $25,000 | n/a | 0.0% | |
| THE SOUTHERN Credit Union | $15,000 | n/a | 0.0% |
AUBURN - OPELIKA's top lender by overall market share is CMG MORTGAGE, INC., with 8.2% market share. In second place, with 8.0%, is LENDINGONE, LLC, having originated $82,940,000 in loans. In third place, with 5.4%, is Trustmark National Bank, having originated $56,135,000 in loans. In fourth place, with 4.8%, is Renasant Bank, having originated $50,210,000 in loans. In fifth place, with 4.5%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $47,130,000 in loans.
AUBURN-OPELIKA, AL Average Rent (2023)
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| Zip Code | Metro | Studio Apartment Rent | 1BR Apartment Rent | 2BR Apartment Rent | 3BR Apartment Rent | 4BR Apartment Rent |
|---|---|---|---|---|---|---|
| 36801 | Auburn-Opelika, AL MSA | $630 | $680 | $870 | $1,160 | $1,250 |
| 36803 | Auburn-Opelika, AL MSA | $720 | $770 | $990 | $1,320 | $1,390 |
| 36804 | Auburn-Opelika, AL MSA | $680 | $730 | $930 | $1,240 | $1,310 |
| 36830 | Auburn-Opelika, AL MSA | $780 | $840 | $1,070 | $1,430 | $1,500 |
| 36831 | Auburn-Opelika, AL MSA | $720 | $770 | $990 | $1,320 | $1,390 |
| 36832 | Auburn-Opelika, AL MSA | $760 | $810 | $1,040 | $1,390 | $1,460 |
| 36849 | Auburn-Opelika, AL MSA | $720 | $770 | $990 | $1,320 | $1,390 |
| 36850 | Auburn-Opelika, AL MSA | $720 | $770 | $990 | $1,320 | $1,390 |
| 36852 | Auburn-Opelika, AL MSA | $680 | $730 | $940 | $1,260 | $1,320 |
| 36854 | Auburn-Opelika, AL MSA | $680 | $730 | $940 | $1,260 | $1,320 |
| 36865 | Auburn-Opelika, AL MSA | $760 | $810 | $1,040 | $1,390 | $1,460 |
| 36866 | Auburn-Opelika, AL MSA | $610 | $640 | $840 | $1,100 | $1,250 |
| 36867 | Auburn-Opelika, AL MSA | $710 | $770 | $900 | $1,220 | $1,490 |
| 36870 | Auburn-Opelika, AL MSA | $710 | $770 | $970 | $1,290 | $1,400 |
| 36874 | Auburn-Opelika, AL MSA | $930 | $1,000 | $1,280 | $1,710 | $1,810 |
| 36877 | Auburn-Opelika, AL MSA | $730 | $790 | $1,010 | $1,350 | $1,420 |
| 36879 | Auburn-Opelika, AL MSA | $670 | $720 | $920 | $1,230 | $1,290 |
2022 Average & Median Rent Data Statistics
AUBURN-OPELIKA, AL average 1BR rent: $771, median: $770
AUBURN-OPELIKA, AL average 2BR rent: $983, median: $990
AUBURN-OPELIKA, AL average 3BR rent: $1,312, median: $1,320
AUBURN-OPELIKA, AL Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 2,484 | $763,210,000 | $307,250 |
| Cash Out Refi | 368 | $162,180,000 | $440,707 |
| Refi | 291 | $60,435,000 | $207,680 |
| Other | 245 | $24,295,000 | $99,163 |
| Home Improvement | 234 | $26,480,000 | $113,162 |
Auburn - Opelika's most frequently cited loan purpose was Home Purchase, with 2,484 originations. The 2nd most popular reason was Cash Out Refi, with 368 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 1,276 | $460,910,000 | $361,215 |
| 7-8% | 749 | $240,065,000 | $320,514 |
| Over 8% | 684 | $79,600,000 | $116,374 |
| 5-6% | 642 | $189,110,000 | $294,564 |
| 4-5% | 64 | $13,970,000 | $218,281 |
| 3-4% | 19 | $2,015,000 | $106,053 |
| <2.5% | 8 | $560,000 | $70,000 |
| 2.5-3% | 7 | $1,805,000 | $257,857 |
During 2023, Auburn - Opelika's most frequently originated rate bucket was 6-7%, with 1,276 originations.
Loan Sizing (AUBURN-OPELIKA, AL MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 1,575 | $450,565,000 | $286,073 |
| $100k-200k | 839 | $126,705,000 | $151,019 |
| $100,000 or less | 713 | $38,965,000 | $54,649 |
| $400k-600k | 359 | $169,525,000 | $472,214 |
| $600k-1000k | 113 | $82,645,000 | $731,372 |
| $Over $1MM | 23 | $168,195,000 | $7,312,826 |
AUBURN - OPELIKA's loan sizing saw the bucket of loans from $200k-400k with 1,575 originations, totaling $450,565,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 1,668 | $491,300,000 | $294,544 |
| 60-80% | 692 | $252,920,000 | $365,491 |
| Under 20% | 376 | $20,880,000 | $55,532 |
| 20-40% | 313 | $40,845,000 | $130,495 |
| 40-60% | 266 | $60,890,000 | $228,910 |
| Over 100% | 125 | $119,395,000 | $955,160 |
AUBURN - OPELIKA's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 1,668 originations, totaling $491,300,000 in origination value.