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 6.79% 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 6.62% and one month ago for the week of 2024-10-03, the average rate was 6.12%.

    Celina's average rate one year ago was 7.76%.

    For refis of the same type during the week of 2024-11-07, the average rate was 6.99%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2024-11-07 6.79%
    Celina 30 Year Fixed Rate 2024-11-07 6.79%
    Celina 30 Year Fixed Rate Refi 2024-11-07 6.99%
    Celina 15 Year Fixed Rate 2024-11-07 6.2%
    Celina 15 Year Fixed Rate Refi 2024-11-07 6.3%
    Celina 30 Year FHA 2024-11-07 6.43%
    Celina 30 Year FHA Refi 2024-11-07 6.63%
    Celina 30 Year USDA 2024-11-07 6.38%
    Celina 30 Year USDA Refi 2024-11-07 6.38%
    Celina 30 Year VA 2024-11-07 6.24%
    Celina 30 Year VA Refi 2024-11-07 6.34%
    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, 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.