Celina Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Celina averaged
5.82%
for the week of 2024-10-03, compared to the national average of
6.12% for the same period.
The average rate for the prior week (2024-09-26) was
5.88% and
one month ago for the week of 2024-08-29, the
average rate was 6.05%.
Celina's average rate one year ago was 7.21%.
For refis of the same type during the week of 2024-10-03, the average rate
was 6.62%.
Loan Type | Date | Rate |
---|---|---|
US 30 Year Fixed Rate | 2024-10-03 | 6.12% |
Celina 30 Year Fixed Rate | 2024-10-03 | 5.82% |
Celina 30 Year Fixed Rate Refi | 2024-10-03 | 6.62% |
Celina 15 Year Fixed Rate | 2024-10-03 | 5.05% |
Celina 15 Year Fixed Rate Refi | 2024-10-03 | 5.35% |
Celina 30 Year FHA | 2024-10-03 | 5.79% |
Celina 30 Year FHA Refi | 2024-10-03 | 5.99% |
Celina 30 Year USDA | 2024-10-03 | 5.77% |
Celina 30 Year USDA Refi | 2024-10-03 | 6.07% |
Celina 30 Year VA | 2024-10-03 | 5.6% |
Celina 30 Year VA Refi | 2024-10-03 | 5.8% |
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.).
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. LouisDate | 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 |
Celina's median listing price comes in at 0% of the national average.
Celina's average listing price for 2024-09-01 was $348,145, a difference of $57,529 (19.8%) versus the prior year and $15,924 versus the prior month.
For the 2024-09-01 period, Celina had 39 MLS listings, a difference of -5 listings (-11%) versus the prior month and 4 listings (11%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Celina (CBSA) retrieved from FRED, Federal Reserve Bank of St. LouisDate | 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 |
Celina's median square footage for active listings during the 2024-09-01 period was 1,716 sqft. One year prior, the average listing was 1,470 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.