Celina Mortgage Rates & Closing Costs

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    • 30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

    30 Year Fixed Rate mortgages in Celina averaged 6.4% for the week of 2024-12-12, compared to the national average of 6.6% for the same period.

    The average rate for the prior week (2024-12-05) was 6.59% and one month ago for the week of 2024-11-07, the average rate was 6.89%.

    Celina's average rate one year ago was 6.83%.

    For refis of the same type during the week of 2024-12-12, the average rate was 6.8%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2024-12-12 6.6%
    Celina 30 Year Fixed Rate 2024-12-12 6.4%
    Celina 30 Year Fixed Rate Refi 2024-12-12 6.8%
    Celina 15 Year Fixed Rate 2024-12-12 6.04%
    Celina 15 Year Fixed Rate Refi 2024-12-12 6.24%
    Celina 30 Year FHA 2024-12-12 6.28%
    Celina 30 Year FHA Refi 2024-12-12 6.48%
    Celina 30 Year USDA 2024-12-12 6.1%
    Celina 30 Year USDA Refi 2024-12-12 6.2%
    Celina 30 Year VA 2024-12-12 6.08%
    Celina 30 Year VA Refi 2024-12-12 5.88%
    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Celina, OH.

    Celina 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 Celina, OH 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.).

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    Superior Credit Union, Inc. 40 6.45% $3,239
    The Park National Bank 14 6.90% $4,236
    First Financial Bank 11 7.28% $3,297
    Minster Bank 10 6.38% $2,280
    Farm Credit Mid-America, ACA 10 7.14% $7,511
    JPMorgan Chase Bank 8 7.01% $4,021
    QUICKEN LOANS, LLC 6 7.02% $8,578
    The Citizens National Bank of Bluffton 4 6.84% $2,849
    U.S. Bank 3 5.96% $3,835
    RUOFF MORTGAGE COMPANY, INC. 3 6.54% $4,825
    Fifth Third Bank 3 7.00% $3,822
    The Huntington National Bank 3 6.96% $3,858
    Greenville Federal 2 6.00% $2,039
    The Union Bank Company 2 5.44% $2,845
    Three Rivers Federal Credit Union 2 6.94% $3,287
    POLARIS HOME FUNDING CORP. 1 7.00% $6,529
    PROPONENT Federal Credit Union 1 5.50% $5,280
    Raymond James Bank 1 6.13% $2,794
    Servion, Inc. 1 5.88% $5,760
    SWBC MORTGAGE CORPORATION 1 7.75% $3,684
    THE EQUITABLE MORTGAGE CORPORATION 1 6.50% $5,369
    The Farmers & Merchants State Bank 1 5.95% $7,612
    The State Bank and Trust Company 1 5.88% $5,696
    UNION HOME MORTGAGE CORP. 1 7.63% $3,338
    UNITED WHOLESALE MORTGAGE, LLC 1 7.12% $17,123
    AMERICAN FINANCING CORPORATION 1 6.13% $5,058
    Western Ohio Mortgage Corporation 1 7.75% $8,065
    CARDINAL FINANCIAL 1 5.99% $5,027
    CROSSCOUNTRY MORTGAGE, LLC 1 8.38% $6,515
    DAS Acquisition Company, LLC 1 7.38% $4,466
    Encompass Lending Group, LP 1 6.99% $5,239
    First Federal Bank of the Midwest 1 8.50% $3,649
    FREEDOM MORTGAGE CORPORATION 1 6.25% $5,545
    GUARANTEED RATE, INC. 1 5.63% $19,707
    GUILD MORTGAGE COMPANY 1 7.75% $4,444
    HALLMARK HOME MORTGAGE, LLC 1 6.99% $4,142
    HOMESIDE FINANCIAL, LLC 1 8.63% $5,702
    HONDA Federal Credit Union 1 6.50% $2,901
    LOANDEPOT.COM, LLC 1 7.63% $6,038
    M&T Bank 1 7.50% $4,343
    NEWREZ LLC 1 5.99% $7,058

    Celina Average Closing Costs & Other Stats

    Celina, OH's 41 lenders originated 397 loans during 2023. The total origination value was $60,775,000, with an average loan value of $153,086.

    Celina's average closing costs are $4,145.

    The top Celina lender as defined by loan originations is Superior Credit Union, Inc., with 40 loans originated. Their average total fees are $3,239, which is $997 lower than the next largest lender, The Park National Bank.

    The lowest fee Celina lenders (with over 10 loans originated) are Minster Bank ($2,280), Superior Credit Union, Inc. ($3,239), First Financial Bank ($3,297), The Park National Bank ($4,236) and Farm Credit Mid-America, ACA ($7,511).

    The lowest rate Celina lenders (with over 10 loans originated) are Minster Bank (6.38%), Superior Credit Union, Inc. (6.45%), The Park National Bank (6.90%), Farm Credit Mid-America, ACA (7.14%) and First Financial Bank (7.28%).

    Celina, OH 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
    Superior Credit Union, Inc. $17,950,000 $10,955,000 -39.0% 18.0%
    First Financial Bank $6,985,000 $6,725,000 -3.7% 11.1%
    The Park National Bank $3,965,000 $5,460,000 37.7% 9.0%
    Farm Credit Mid-America, ACA $5,150,000 $4,110,000 -20.2% 6.8%
    Minster Bank $2,440,000 $2,760,000 13.1% 4.5%
    QUICKEN LOANS, LLC $4,160,000 $2,490,000 -40.1% 4.1%
    Mortgage Research Center, LLC $1,185,000 $2,045,000 72.6% 3.4%
    CROSSCOUNTRY MORTGAGE, LLC $2,720,000 $1,760,000 -35.3% 2.9%
    NEWREZ LLC $415,000 $1,580,000 280.7% 2.6%
    JPMorgan Chase Bank $1,510,000 $1,435,000 -5.0% 2.4%
    The Citizens National Bank of Bluffton $5,795,000 $1,305,000 -77.5% 2.1%
    First Bank of Berne $1,290,000 $935,000 -27.5% 1.5%
    Servion, Inc. $1,000,000 $845,000 -15.5% 1.4%
    U.S. Bank $1,425,000 $800,000 -43.9% 1.3%
    Western Ohio Mortgage Corporation $750,000 n/a 1.2%
    The Huntington National Bank $820,000 $740,000 -9.8% 1.2%
    UNITED WHOLESALE MORTGAGE, LLC $175,000 $705,000 302.9% 1.2%
    Fifth Third Bank $780,000 $675,000 -13.5% 1.1%
    POLARIS HOME FUNDING CORP. $360,000 $675,000 87.5% 1.1%
    LOANDEPOT.COM, LLC $625,000 $570,000 -8.8% 0.9%
    Three Rivers Federal Credit Union $1,040,000 $545,000 -47.6% 0.9%
    Greenville Federal $545,000 $540,000 -0.9% 0.9%
    THE EQUITABLE MORTGAGE CORPORATION $535,000 n/a 0.9%
    GUARANTEED RATE, INC. $530,000 n/a 0.9%
    Carrington Mortgage Services, LLC $625,000 $510,000 -18.4% 0.8%
    AMERICAN FINANCIAL RESOURCES, INC. $295,000 $490,000 66.1% 0.8%
    RUOFF MORTGAGE COMPANY, INC. $255,000 $475,000 86.3% 0.8%
    Greenville National Bank $445,000 $465,000 4.5% 0.8%
    Monroe Federal Savings and Loan Association $195,000 $400,000 105.1% 0.7%
    PROPONENT Federal Credit Union $395,000 n/a 0.6%
    The State Bank and Trust Company $360,000 $385,000 6.9% 0.6%
    WRIGHT-PATT CREDIT UNION, INC. $290,000 $375,000 29.3% 0.6%
    LIBERTY HOME MORTGAGE CORPORATION $315,000 n/a 0.5%
    M&T Bank $315,000 n/a 0.5%
    HONDA Federal Credit Union $1,280,000 $305,000 -76.2% 0.5%
    SUPERIOR FINANCIAL SOLUTIONS, LLC $300,000 n/a 0.5%
    FREEDOM MORTGAGE CORPORATION $835,000 $290,000 -65.3% 0.5%
    MYCUMORTGAGE, LLC $330,000 $290,000 -12.1% 0.5%
    FIRST OHIO HOME FINANCE, INC. $285,000 n/a 0.5%
    The Union Bank Company $600,000 $285,000 -52.5% 0.5%
    LAKEVIEW LOAN SERVICING, LLC $95,000 $280,000 194.7% 0.5%
    PENNYMAC LOAN SERVICES, LLC $320,000 $280,000 -12.5% 0.5%
    The Farmers State Bank $205,000 $265,000 29.3% 0.4%
    DAS Acquisition Company, LLC $255,000 n/a 0.4%
    TOP FLITE FINANCIAL, INC. $270,000 $255,000 -5.6% 0.4%
    HOMESIDE FINANCIAL, LLC $250,000 n/a 0.4%
    Third Federal Savings and Loan Association of Cleveland $465,000 $250,000 -46.2% 0.4%
    GUILD MORTGAGE COMPANY $220,000 n/a 0.4%
    The Farmers & Merchants State Bank $1,215,000 $215,000 -82.3% 0.4%
    Barrington Bank & Trust Company, N.A. $195,000 n/a 0.3%
    HALLMARK HOME MORTGAGE, LLC $195,000 n/a 0.3%
    Raymond James Bank $185,000 n/a 0.3%
    NFM, INC. $180,000 n/a 0.3%
    Cornerstone First Mortgage, Inc $175,000 n/a 0.3%
    Coastal Community Bank $170,000 n/a 0.3%
    First Federal Bank of the Midwest $205,000 $165,000 -19.5% 0.3%
    CARDINAL FINANCIAL $155,000 n/a 0.3%
    AMERICAN FINANCIAL NETWORK, INC. $135,000 n/a 0.2%
    LENDINGHOME FUNDING CORPORATION $125,000 n/a 0.2%
    PHH Mortgage Corporation $125,000 n/a 0.2%
    VANDERBILT MORTGAGE AND FINANCE, INC. $155,000 $120,000 -22.6% 0.2%
    Encompass Lending Group, LP $115,000 n/a 0.2%
    AMERICAN FINANCING CORPORATION $105,000 n/a 0.2%
    AMERISAVE MORTGAGE CORPORATION $355,000 $105,000 -70.4% 0.2%
    Day Air Credit Union, Inc $105,000 n/a 0.2%
    Mr. Cooper ( Nationstar Mortgage ) $445,000 $85,000 -80.9% 0.1%
    Discover Bank $290,000 $75,000 -74.1% 0.1%
    MidFirst Bank $65,000 n/a 0.1%
    ALLIANT CREDIT UNION $55,000 n/a 0.1%
    SWBC MORTGAGE CORPORATION $55,000 n/a 0.1%
    UNION HOME MORTGAGE CORP. $55,000 n/a 0.1%
    MIDWEST AMERICA $35,000 n/a 0.1%
    Figure Lending LLC $255,000 $25,000 -90.2% 0.0%

    Celina's top lender by overall market share is Superior Credit Union, Inc., with 18.0% market share. In second place, with 11.1%, is First Financial Bank, having originated $6,725,000 in loans. In third place, with 9.0%, is The Park National Bank, having originated $5,460,000 in loans. In fourth place, with 6.8%, is Farm Credit Mid-America, ACA, having originated $4,110,000 in loans. In fifth place, with 4.5%, is Minster Bank, having originated $2,760,000 in loans.

    Celina Housing Market Trends (Median, Average Prices & Listing Count)

    Realtor.com - Celina (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Price (YoY Change) Average Listing Price (YoY) MSA/US Median Price Ratio Active Listings
    2018-01-01 $154,725 (2.3%) $231,757 (17.0%) 0.00 120
    2018-02-01 $158,000 (5.4%) $234,889 (17.5%) 0.00 136
    2018-03-01 $157,000 (9.7%) $212,584 (2.8%) 0.00 147
    2018-04-01 $160,425 (8.0%) $212,627 (4.8%) 0.00 134
    2018-05-01 $159,900 (7.2%) $210,184 (2.7%) 0.00 132
    2018-06-01 $168,900 (6.3%) $212,897 (3.9%) 0.00 139
    2018-07-01 $171,950 (12.8%) $211,712 (4.1%) 0.00 126
    2018-08-01 $161,200 (4.9%) $207,726 (1.8%) 0.00 132
    2018-09-01 $158,000 (1.9%) $191,757 (-12.9%) 0.00 114
    2018-10-01 $154,000 (-0.6%) $192,059 (-15.0%) 0.00 118
    2018-11-01 $166,950 (11.3%) $193,595 (-13.5%) 0.00 121
    2018-12-01 $160,900 (1.2%) $186,980 (-19.4%) 0.00 121
    2019-01-01 $143,125 (-7.5%) $162,746 (-29.8%) 0.00 103
    2019-02-01 $146,050 (-7.6%) $156,519 (-33.4%) 0.00 96
    2019-03-01 $144,679 (-7.9%) $160,381 (-24.6%) 0.00 93
    2019-04-01 $146,554 (-8.7%) $162,651 (-23.5%) 0.00 94
    2019-05-01 $136,150 (-14.9%) $166,765 (-20.7%) 0.00 89
    2019-06-01 $142,200 (-15.8%) $171,311 (-19.5%) 0.00 90
    2019-07-01 $151,425 (-11.9%) $186,088 (-12.1%) 0.00 91
    2019-08-01 $148,591 (-7.8%) $191,096 (-8.0%) 0.00 106
    2019-09-01 $144,377 (-8.6%) $180,351 (-6.0%) 0.00 110
    2019-10-01 $145,518 (-5.5%) $178,774 (-6.9%) 0.00 111
    2019-11-01 $146,950 (-12.0%) $183,270 (-5.3%) 0.00 96
    2019-12-01 $141,400 (-12.1%) $184,628 (-1.3%) 0.00 90
    2020-01-01 $149,650 (4.6%) $187,827 (15.4%) 0.00 73
    2020-02-01 $170,000 (16.4%) $213,517 (36.4%) 0.00 64
    2020-03-01 $176,000 (21.7%) $230,986 (44.0%) 0.00 69
    2020-04-01 $170,700 (16.5%) $227,109 (39.6%) 0.00 66
    2020-05-01 $170,000 (24.9%) $231,470 (38.8%) 0.00 59
    2020-06-01 $176,950 (24.4%) $231,618 (35.2%) 0.00 56
    2020-07-01 $159,900 (5.6%) $215,798 (16.0%) 0.00 60
    2020-08-01 $171,500 (15.4%) $231,225 (21.0%) 0.00 49
    2020-09-01 $167,200 (15.8%) $228,025 (26.4%) 0.00 47
    2020-10-01 $169,900 (16.8%) $220,412 (23.3%) 0.00 45
    2020-11-01 $147,225 (0.2%) $212,728 (16.1%) 0.00 46
    2020-12-01 $154,700 (9.4%) $221,621 (20.0%) 0.00 46
    2021-01-01 $166,450 (11.2%) $223,362 (18.9%) 0.00 43
    2021-02-01 $158,700 (-6.7%) $233,449 (9.3%) 0.00 28
    2021-03-01 $172,400 (-2.1%) $252,131 (9.2%) 0.00 28
    2021-04-01 $168,175 (-1.5%) $267,436 (17.8%) 0.00 30
    2021-05-01 $202,450 (19.1%) $291,697 (26.0%) 0.00 24
    2021-06-01 $204,950 (15.8%) $285,414 (23.2%) 0.00 24
    2021-07-01 $182,500 (14.1%) $262,719 (21.7%) 0.00 29
    2021-08-01 $198,500 (15.7%) $256,876 (11.1%) 0.00 35
    2021-09-01 $192,450 (15.1%) $257,159 (12.8%) 0.00 32
    2021-10-01 $177,400 (4.4%) $232,189 (5.3%) 0.00 35
    2021-11-01 $176,225 (19.7%) $211,287 (-0.7%) 0.00 31
    2021-12-01 $203,675 (31.7%) $221,820 (0.1%) 0.00 31
    2022-01-01 $195,000 (17.2%) $249,506 (11.7%) 0.00 32
    2022-02-01 $196,225 (23.7%) $349,227 (49.6%) 0.00 24
    2022-03-01 $189,375 (9.9%) $341,069 (35.3%) 0.00 19
    2022-04-01 $185,400 (10.2%) $367,414 (37.4%) 0.00 20
    2022-05-01 $216,200 (6.8%) $305,561 (4.8%) 0.00 28
    2022-06-01 $204,250 (-0.3%) $296,882 (4.0%) 0.00 29
    2022-07-01 $189,900 (4.1%) $286,208 (8.9%) 0.00 30
    2022-08-01 $187,500 (-5.5%) $269,085 (4.8%) 0.00 32
    2022-09-01 $186,150 (-3.3%) $275,524 (7.1%) 0.00 34
    2022-10-01 $216,900 (22.3%) $305,921 (31.8%) 0.00 27
    2022-11-01 $223,425 (26.8%) $265,183 (25.5%) 0.00 28
    2022-12-01 $249,900 (22.7%) $254,508 (14.7%) 0.00 22
    2023-01-01 $210,750 (8.1%) $245,965 (-1.4%) 0.00 21
    2023-02-01 $206,150 (5.1%) $245,554 (-29.7%) 0.00 19
    2023-03-01 $204,900 (8.2%) $239,861 (-29.7%) 0.00 20
    2023-04-01 $190,200 (2.6%) $243,199 (-33.8%) 0.00 20
    2023-05-01 $192,850 (-10.8%) $235,229 (-23.0%) 0.00 17
    2023-06-01 $234,900 (15.0%) $282,280 (-4.9%) 0.00 27
    2023-07-01 $209,900 (10.5%) $253,746 (-11.3%) 0.00 22
    2023-08-01 $184,000 (-1.9%) $245,076 (-8.9%) 0.00 27
    2023-09-01 $217,450 (16.8%) $290,616 (5.5%) 0.00 35
    2023-10-01 $184,925 (-14.7%) $281,560 (-8.0%) 0.00 34
    2023-11-01 $180,000 (-19.4%) $259,569 (-2.1%) 0.00 33
    2023-12-01 $184,900 (-26.0%) $311,845 (22.5%) 0.00 31
    2024-01-01 $189,750 (-10.0%) $298,844 (21.5%) 0.00 30
    2024-02-01 $231,200 (12.2%) $311,414 (26.8%) 0.00 28
    2024-03-01 $225,000 (9.8%) $324,030 (35.1%) 0.00 27
    2024-04-01 $189,925 (-0.1%) $264,474 (8.8%) 0.00 28
    2024-05-01 $180,975 (-6.2%) $276,644 (17.6%) 0.00 27
    2024-06-01 $199,000 (-15.3%) $292,740 (3.7%) 0.00 31
    2024-07-01 $249,925 (19.1%) $307,064 (21.0%) 0.00 39
    2024-08-01 $305,000 (65.8%) $332,221 (35.6%) 0.00 44
    2024-09-01 $294,450 (35.4%) $348,145 (19.8%) 0.00 39
    2024-10-01 $273,550 (47.9%) $326,809 (16.1%) 0.00 39
    2024-11-01 $259,900 (44.4%) $324,697 (25.1%) 0.00 39
    Celina's median listing price for 2024-11-01 was $259,900, a difference of $79,900 (44.4%) versus the prior year and $-13,650 versus the prior month.

    Celina's median listing price comes in at 0% of the national average.

    Celina's average listing price for 2024-11-01 was $324,697, a difference of $65,128 (25.1%) versus the prior year and $-2,112 versus the prior month.

    For the 2024-11-01 period, Celina had 39 MLS listings, a difference of 0 listings (0%) versus the prior month and 6 listings (18%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Celina (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,550 sqft
    2018-02-01 0 days 1,582 sqft
    2018-03-01 0 days 1,571 sqft
    2018-04-01 0 days 1,590 sqft
    2018-05-01 0 days 1,588 sqft
    2018-06-01 0 days 1,670 sqft
    2018-07-01 0 days 1,651 sqft
    2018-08-01 0 days 1,685 sqft
    2018-09-01 0 days 1,632 sqft
    2018-10-01 0 days 1,677 sqft
    2018-11-01 0 days 1,749 sqft
    2018-12-01 0 days 1,745 sqft
    2019-01-01 0 days 1,634 sqft
    2019-02-01 0 days 1,634 sqft
    2019-03-01 0 days 1,593 sqft
    2019-04-01 0 days 1,518 sqft
    2019-05-01 0 days 1,519 sqft
    2019-06-01 0 days 1,385 sqft
    2019-07-01 0 days 1,540 sqft
    2019-08-01 0 days 1,507 sqft
    2019-09-01 0 days 1,449 sqft
    2019-10-01 0 days 1,410 sqft
    2019-11-01 0 days 1,416 sqft
    2019-12-01 0 days 1,533 sqft
    2020-01-01 0 days 1,554 sqft
    2020-02-01 0 days 1,626 sqft
    2020-03-01 0 days 1,632 sqft
    2020-04-01 0 days 1,626 sqft
    2020-05-01 0 days 1,632 sqft
    2020-06-01 0 days 1,635 sqft
    2020-07-01 0 days 1,611 sqft
    2020-08-01 0 days 1,667 sqft
    2020-09-01 0 days 1,675 sqft
    2020-10-01 0 days 1,604 sqft
    2020-11-01 0 days 1,412 sqft
    2020-12-01 0 days 1,399 sqft
    2021-01-01 0 days 1,469 sqft
    2021-02-01 0 days 1,360 sqft
    2021-03-01 0 days 1,521 sqft
    2021-04-01 0 days 1,565 sqft
    2021-05-01 0 days 1,640 sqft
    2021-06-01 0 days 1,741 sqft
    2021-07-01 0 days 1,735 sqft
    2021-08-01 0 days 1,775 sqft
    2021-09-01 0 days 1,743 sqft
    2021-10-01 0 days 1,536 sqft
    2021-11-01 0 days 1,477 sqft
    2021-12-01 0 days 1,530 sqft
    2022-01-01 0 days 1,524 sqft
    2022-02-01 0 days 1,638 sqft
    2022-03-01 0 days 1,427 sqft
    2022-04-01 0 days 1,392 sqft
    2022-05-01 0 days 1,541 sqft
    2022-06-01 0 days 1,605 sqft
    2022-07-01 0 days 1,531 sqft
    2022-08-01 0 days 1,500 sqft
    2022-09-01 0 days 1,544 sqft
    2022-10-01 0 days 1,618 sqft
    2022-11-01 0 days 1,637 sqft
    2022-12-01 0 days 1,717 sqft
    2023-01-01 0 days 1,683 sqft
    2023-02-01 0 days 1,596 sqft
    2023-03-01 0 days 1,580 sqft
    2023-04-01 0 days 1,559 sqft
    2023-05-01 0 days 1,551 sqft
    2023-06-01 0 days 1,594 sqft
    2023-07-01 0 days 1,460 sqft
    2023-08-01 0 days 1,569 sqft
    2023-09-01 0 days 1,470 sqft
    2023-10-01 0 days 1,506 sqft
    2023-11-01 0 days 1,414 sqft
    2023-12-01 0 days 1,632 sqft
    2024-01-01 0 days 1,569 sqft
    2024-02-01 0 days 1,692 sqft
    2024-03-01 0 days 1,705 sqft
    2024-04-01 0 days 1,768 sqft
    2024-05-01 0 days 1,488 sqft
    2024-06-01 0 days 1,582 sqft
    2024-07-01 0 days 1,761 sqft
    2024-08-01 0 days 1,876 sqft
    2024-09-01 0 days 1,716 sqft
    2024-10-01 0 days 1,744 sqft
    2024-11-01 0 days 1,766 sqft
    Celina's median listing age (time on market) for 2024-11-01 was 0 days.

    Celina's median square footage for active listings during the 2024-11-01 period was 1,766 sqft. One year prior, the average listing was 1,414 sqft.

    Celina, OH Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 213 $41,165,000 $193,263
    Cash Out Refi 63 $8,155,000 $129,444
    Other 53 $4,995,000 $94,245
    Home Improvement 45 $3,605,000 $80,111
    Refi 23 $2,855,000 $124,130

    Celina's most frequently cited loan purpose was Home Purchase, with 213 originations. The 2nd most popular reason was Cash Out Refi, with 63 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    6-7% 175 $29,225,000 $167,000
    7-8% 94 $15,440,000 $164,255
    Over 8% 63 $4,835,000 $76,746
    5-6% 50 $8,680,000 $173,600
    <2.5% 2 $10,000 $5,000
    4-5% 2 $290,000 $145,000
    3-4% 1 $65,000 $65,000

    During 2023, Celina's most frequently originated rate bucket was 6-7%, with 175 originations.

    Loan Sizing (Celina, OH MSA)

    Loan Size Originations Total Value Average Loan
    $100k-200k 169 $24,665,000 $145,947
    $100,000 or less 127 $6,865,000 $54,055
    $200k-400k 87 $22,015,000 $253,046
    $400k-600k 12 $5,870,000 $489,167
    $600k-1000k 2 $1,360,000 $680,000

    Celina's loan sizing saw the bucket of loans from $100k-200k with 169 originations, totaling $24,665,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 147 $28,105,000 $191,190
    60-80% 80 $15,660,000 $195,750
    20-40% 59 $4,285,000 $72,627
    40-60% 48 $7,200,000 $150,000
    Under 20% 47 $2,355,000 $50,106
    Over 100% 5 $875,000 $175,000

    Celina's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 147 originations, totaling $28,105,000 in origination value.