COLUMBUS Mortgage Rates

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

30 Year Fixed Rate mortgages in Columbus averaged 6.07% for the week of 2022-06-30, compared to the national average of 5.7% for the same period.

The average rate for the prior week (2022-06-23) was 6.08% and one month ago for the week of 2022-05-26, the average rate was 5.47%.

Columbus's average rate one year ago was 3.37%.

For refis of the same type during the week of 2022-06-30, the average rate was 5.6%.

Loan Type Date Rate
US 30 Year Fixed Rate 2022-06-30 5.7%
Columbus 30 Year Fixed Rate 2022-06-30 6.07%
Columbus 30 Year Fixed Rate Refi 2022-06-30 5.6%
Columbus 15 Year Fixed Rate 2022-06-30 5.17%
Columbus 15 Year Fixed Rate Refi 2022-06-30 5.14%
Columbus 30 Year FHA 2022-06-30 5.89%
Columbus 30 Year FHA Refi 2022-06-30 5.86%
Columbus 30 Year USDA 2022-06-30 6.12%
Columbus 30 Year USDA Refi 2022-06-30 5.8%
Columbus 30 Year VA 2022-06-30 5.85%
Columbus 30 Year VA Refi 2022-06-30 5.34%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within COLUMBUS, IN.

COLUMBUS Top Lenders by Rates & Fees

The below table looks at the consensus average rates and fees provided by each lendor, for only loans originated in the COLUMBUS, IN 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 2021 Avg. 30yFix Rate 2021 Avg. Total Fees
RUOFF MORTGAGE COMPANY, INC. 223 3.22% $2,199
Centra Credit Union 201 3.07% $2,972
First Financial Bank 145 3.28% $2,502
HALLMARK HOME MORTGAGE, LLC 126 3.27% $2,795
QUICKEN LOANS, LLC 123 3.16% $4,650
Jackson County Bank 107 3.22% $2,306
German American Bank 87 3.11% $2,423
Union Savings Bank 86 3.03% $884
Old National Bank 62 3.20% $2,007
Fifth Third Bank 38 3.20% $2,675
VANDERBILT MORTGAGE AND FINANCE, INC. 38 3.14% $3,557
GVC MORTGAGE, INC. 37 3.34% $2,669
Wells Fargo Bank 28 3.22% $2,747
JPMorgan Chase Bank 26 2.99% $1,314
PRIMELENDING, A PLAINSCAPITAL COMPANY 25 3.58% $3,315
LOANDEPOT.COM, LLC 19 3.08% $3,951
CALIBER HOME LOANS, INC. 15 3.04% $4,289
FORUM Credit Union 14 2.86% $2,186
PNC Bank 14 3.21% $2,819
AMERISAVE MORTGAGE CORPORATION 14 3.00% $3,680
The Huntington National Bank 14 3.06% $2,953
BETTER MORTGAGE CORPORATION 14 2.89% $3,503
Horizon Bank 13 3.31% $2,363
Wolfe Financial, Inc 12 3.35% $3,792
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 10 3.17% $2,618
UNITED WHOLESALE MORTGAGE, LLC 10 3.02% $3,673
Farm Credit Mid-America, ACA 9 3.44% $6,148
FREEDOM MORTGAGE CORPORATION 8 3.05% $1,672
Mr. Cooper ( Nationstar Mortgage ) 8 3.25% $3,712
HOME POINT FINANCIAL CORPORATION 8 3.39% $2,810
NEWREZ LLC 7 3.34% $3,421
CROSSCOUNTRY MORTGAGE, LLC 7 3.37% $3,573
GUARANTEED RATE, INC. 6 3.14% $2,864
Flagstar Bank, FSB 6 3.24% $2,249
Regions Bank 6 3.58% $2,386
MYCUMORTGAGE, LLC 6 3.25% $2,789
HOMESIDE FINANCIAL, LLC 6 2.96% $3,053
CHURCHILL MORTGAGE CORPORATION 5 3.28% $3,356
CELEBRITY HOME LOANS, LLC 5 3.38% $3,290
First Internet Bank of Indiana 5 2.87% $3,526
ROYAL UNITED MORTGAGE LLC 5 3.45% $6,000
SIRVA MORTGAGE, INC. 5 3.03% $910
Mutual Savings Bank 5 2.90% $1,771
BROKER SOLUTIONS, INC. 4 3.15% $4,940
SOFI LENDING CORP. 4 3.19% $2,621
NAVY FEDERAL CREDIT UNION 3 3.42% $4,472
Ally Bank 3 3.00% $4,714
Associated Bank 3 3.21% $3,566
Citizens Bank 3 3.08% $2,784
FAIR WAY LENDING LLC 3 2.83% $2,979
First Savings Bank 3 3.04% $5,955
HONDA Federal Credit Union 3 3.08% $2,226
Merchants Bank of Indiana 3 3.04% $2,355
MJW Financial LLC 3 3.33% $3,339
MOVEMENT MORTGAGE, LLC 3 3.12% $3,144
Northpointe Bank 3 3.13% $3,097
PENNYMAC LOAN SERVICES, LLC 3 3.54% $3,454
The Peoples State Bank 3 3.13% $1,992
Truist Bank 3 2.75% $3,024
U.S. Bank 3 3.16% $3,176
THRIVENT Federal Credit Union 2 3.38% $2,960
Carrington Mortgage Services, LLC 2 3.06% $3,247
Stifel Bank and Trust 2 2.50% $2,237
InterContinental Capital Group, Inc 2 2.75% $5,899
UNION HOME MORTGAGE CORP. 2 2.81% $5,939
Northwest Bank 2 3.00% $2,917
Commonwealth Bank and Trust Company 2 2.94% $2,076
TEACHERS CREDIT UNION 2 3.88% $2,418
The Federal Savings Bank 2 3.44% $6,363
PRIMARY RESIDENTIAL MORTGAGE, INC. 2 2.81% $3,047
KeyBank 2 2.87% $2,830
PROVIDENT FUNDING ASSOCIATES, L.P. 2 2.94% $3,153
Manufacturers and Traders Trust Company 2 3.19% $2,402
ALAMEDA MORTGAGE CORPORATION 2 3.13% $3,651
AMERICAN MORTGAGE SERVICE COMPANY 1 3.00% $2,727
ZILLOW HOME LOANS, LLC 1 3.50% $4,250
Mortgage Research Center, LLC 1 2.63% $700
AMERICAN FINANCING CORPORATION 1 2.75% $7,023
Dollar Bank, Federal Savings Bank 1 3.13% $4,194
MUTUAL OF OMAHA MORTGAGE, INC. 1 3.75% $3,797
Discover Bank 1 4.49% $0
CRANE 1 3.50% $2,398
1ST SIGNATURE LENDING, LLC 1 3.25% $3,043
Community First Bank of Indiana 1 3.00% $1,969
North American Savings Bank, F.S.B. 1 3.38% $1,259
V.I.P. MORTGAGE, INC. 1 3.13% $3,482
PACIFIC RESIDENTIAL MORTGAGE, LLC 1 3.13% $3,267
Paramount Residential Mortgage Group, Inc. 1 3.50% $2,686
PLANET HOME LENDING, LLC 1 3.38% $1,124
CITIZENS EQUITY FIRST 1 2.63% $2,247
PREMIA MORTGAGE, LLC 1 3.38% $2,690
CIBM Bank 1 3.13% $2,573
CIBC Bank USA 1 2.25% $4,243
Raymond James Bank 1 2.50% $1,660
RELIANCE FIRST CAPITAL, LLC 1 2.88% $4,925
Republic Bank & Trust Company 1 2.88% $4,630
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 1 3.38% $6,012
BEACON CREDIT UNION 1 2.63% $2,883
Security Federal Savings Bank 1 2.75% $2,055
Service Federal Credit Union 1 2.38% $2,365
AmeriHome Mortgage Company, LLC 1 3.99% $2,540
AMERIFIRST FINANCIAL CORPORATION 1 3.38% $2,572
SOUTH CENTRAL BANK, INC. 1 2.75% $2,102
Strong Home Mortgage, LLC 1 2.99% $1,971
SUN WEST MORTGAGE COMPANY, INC. 1 3.75% $5,635
T2 FINANCIAL LLC 1 2.99% $3,236
The Friendship State Bank 1 2.88% $4,073
AMERICAN PACIFIC MORTGAGE CORPORATION 1 3.38% $4,014
ACADEMY MORTGAGE CORPORATION 1 3.13% $3,012
The State Bank and Trust Company 1 3.00% $2,115
Third Federal Savings and Loan Association of Cleveland 1 2.74% $295
TIAA, FSB 1 3.13% $2,906
Wyndham Capital Mortgage, Inc. 1 2.63% $1,734
TUCKER MORTGAGE, LLC 1 3.13% $2,875
Flanagan State Bank 1 3.25% $2,025
Gateway First Bank 1 3.38% $524
First Option Mortgage, LLC 1 3.00% $6,041
First Harrison Bank 1 2.88% $2,104
First Guaranty Mortgage Corporation 1 2.38% $5,994
First Financial Bank 1 3.00% $2,437
Hawthorn Bank 1 2.99% $2,116
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 1 3.13% $2,987
HOMEBRIDGE FINANCIAL SERVICES, INC. 1 3.25% $2,920
Home Bank SB 1 3.00% $2,481
First Bank Richmond 1 2.50% $2,830
FirstBank 1 3.38% $2,248
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 1 3.13% $2,823
FINANCE OF AMERICA MORTGAGE LLC 1 3.88% $2,930
INDIANA MEMBERS CREDIT UNION 1 3.63% $2,338
FCN Bank 1 3.00% $2,154
JLB CORPORATION 1 2.88% $4,175
Elements Financial Federal Credit Union 1 3.13% $2,945
LAKEVIEW LOAN SERVICING, LLC 1 3.88% $3,052
LIBERTY HOME MORTGAGE CORPORATION 1 3.50% $8,467
DRAPER AND KRAMER MORTGAGE CORP. 1 2.88% $3,204
Magnolia Bank 1 3.50% $2,751
MEMBER FIRST MORTGAGE, LLC 1 3.63% $2,510

COLUMBUS, IN's 137 lenders originated 4,324 loans during 2021. The total origination value was $807,100,000, with an average loan value of $186,656.

The top COLUMBUS lender as defined by loan originations is RUOFF MORTGAGE COMPANY, INC., with 223 loans originated. Their average total fees are $2,199, which is $773 lower than the next largest lender, Centra Credit Union.

The lowest fee COLUMBUS lenders (with over 10 loans originated) are Union Savings Bank ($884), JPMorgan Chase Bank ($1,314), Old National Bank ($2,007), FORUM Credit Union ($2,186) and RUOFF MORTGAGE COMPANY, INC. ($2,199).

The lowest rate COLUMBUS lenders (with over 10 loans originated) are FORUM Credit Union (2.86%), BETTER MORTGAGE CORPORATION (2.89%), JPMorgan Chase Bank (2.99%), AMERISAVE MORTGAGE CORPORATION (3.00%) and UNITED WHOLESALE MORTGAGE, LLC (3.02%).

COLUMBUS, IN Lender 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 2020 Loan Value 2021 Loan Value % Change 2021 Market Share
RUOFF MORTGAGE COMPANY, INC. $95,910,000 $81,950,000 -14.6% 10.2%
Centra Credit Union $98,590,000 $80,075,000 -18.8% 9.9%
First Financial Bank $63,505,000 $62,255,000 -2.0% 7.7%
QUICKEN LOANS, LLC $41,525,000 $50,490,000 21.6% 6.3%
Union Savings Bank $63,285,000 $46,475,000 -26.6% 5.8%
German American Bank $35,180,000 $41,875,000 19.0% 5.2%
HALLMARK HOME MORTGAGE, LLC $44,210,000 $41,205,000 -6.8% 5.1%
Jackson County Bank $49,520,000 $37,620,000 -24.0% 4.7%
Old National Bank $34,895,000 $31,665,000 -9.3% 3.9%
FREEDOM MORTGAGE CORPORATION $17,470,000 $21,015,000 20.3% 2.6%
Fifth Third Bank $14,595,000 $18,390,000 26.0% 2.3%
GVC MORTGAGE, INC. $13,290,000 $16,720,000 25.8% 2.1%
VANDERBILT MORTGAGE AND FINANCE, INC. $870,000 $12,805,000 1,371.8% 1.6%
Stock Yards Bank & Trust Company $12,065,000 n/a 1.5%
Wells Fargo Bank $7,195,000 $10,255,000 42.5% 1.3%
LOANDEPOT.COM, LLC $6,945,000 $10,130,000 45.9% 1.3%
Mortgage Research Center, LLC $8,465,000 $10,065,000 18.9% 1.2%
PRIMELENDING, A PLAINSCAPITAL COMPANY $8,050,000 $9,510,000 18.1% 1.2%
JPMorgan Chase Bank $8,010,000 $9,225,000 15.2% 1.1%
CALIBER HOME LOANS, INC. $5,975,000 $9,215,000 54.2% 1.1%
PNC Bank $7,135,000 $7,300,000 2.3% 0.9%
The Huntington National Bank $5,750,000 $6,740,000 17.2% 0.8%
Mr. Cooper ( Nationstar Mortgage ) $4,155,000 $6,365,000 53.2% 0.8%
BETTER MORTGAGE CORPORATION $3,325,000 $6,150,000 85.0% 0.8%
UNITED WHOLESALE MORTGAGE, LLC $4,370,000 $5,625,000 28.7% 0.7%
Farm Credit Mid-America, ACA $4,940,000 $5,620,000 13.8% 0.7%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $8,860,000 $5,200,000 -41.3% 0.6%
FORUM Credit Union $3,745,000 $5,145,000 37.4% 0.6%
Wolfe Financial, Inc $3,915,000 $4,765,000 21.7% 0.6%
AMERISAVE MORTGAGE CORPORATION $2,800,000 $4,370,000 56.1% 0.5%
LAKEVIEW LOAN SERVICING, LLC $880,000 $4,360,000 395.5% 0.5%
Horizon Bank $5,610,000 $4,205,000 -25.0% 0.5%
PENNYMAC LOAN SERVICES, LLC $865,000 $4,085,000 372.3% 0.5%
NEWREZ LLC $2,005,000 $3,845,000 91.8% 0.5%
CROSSCOUNTRY MORTGAGE, LLC $1,875,000 $3,840,000 104.8% 0.5%
BROKER SOLUTIONS, INC. $3,340,000 $3,725,000 11.5% 0.5%
HOME POINT FINANCIAL CORPORATION $2,915,000 $3,250,000 11.5% 0.4%
GUARANTEED RATE, INC. $1,120,000 $3,025,000 170.1% 0.4%
CHURCHILL MORTGAGE CORPORATION $570,000 $2,405,000 321.9% 0.3%
The Federal Savings Bank $2,055,000 $2,315,000 12.7% 0.3%
INDIANA UNIVERSITY CREDIT UNION $985,000 $2,135,000 116.8% 0.3%
Associated Bank $1,290,000 $2,015,000 56.2% 0.2%
NEW DAY FINANCIAL, LLC $1,005,000 $1,900,000 89.1% 0.2%
USAA Federal Savings Bank $3,120,000 $1,900,000 -39.1% 0.2%
Regions Bank $1,530,000 $1,820,000 19.0% 0.2%
Ally Bank $745,000 $1,805,000 142.3% 0.2%
HOMEBRIDGE FINANCIAL SERVICES, INC. $1,050,000 $1,640,000 56.2% 0.2%
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $960,000 $1,615,000 68.2% 0.2%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $1,615,000 $1,615,000 0.0% 0.2%
HOMESIDE FINANCIAL, LLC $325,000 $1,615,000 396.9% 0.2%
MJW Financial LLC $755,000 $1,600,000 111.9% 0.2%
Mutual Savings Bank $1,640,000 $1,580,000 -3.7% 0.2%
SIRVA MORTGAGE, INC. $3,570,000 $1,570,000 -56.0% 0.2%
MYCUMORTGAGE, LLC $1,055,000 $1,560,000 47.9% 0.2%
CELEBRITY HOME LOANS, LLC $215,000 $1,540,000 616.3% 0.2%
First Internet Bank of Indiana $480,000 $1,515,000 215.6% 0.2%
SOFI LENDING CORP. $410,000 $1,500,000 265.9% 0.2%
DRAPER AND KRAMER MORTGAGE CORP. $1,525,000 $1,465,000 -3.9% 0.2%
Flagstar Bank, FSB $925,000 $1,465,000 58.4% 0.2%
PRIMARY RESIDENTIAL MORTGAGE, INC. $1,560,000 $1,445,000 -7.4% 0.2%
U.S. Bank $955,000 $1,415,000 48.2% 0.2%
NAVY FEDERAL CREDIT UNION $820,000 $1,395,000 70.1% 0.2%
Merchants Bank of Indiana $7,785,000 $1,390,000 -82.1% 0.2%
VILLAGE CAPITAL & INVESTMENT LLC $1,315,000 $1,300,000 -1.1% 0.2%
SUN WEST MORTGAGE COMPANY, INC. $820,000 $1,275,000 55.5% 0.2%
First Guaranty Mortgage Corporation $355,000 $1,260,000 254.9% 0.2%
Manufacturers and Traders Trust Company $1,185,000 n/a 0.1%
Citizens Bank $1,865,000 $1,170,000 -37.3% 0.1%
FAIR WAY LENDING LLC $1,075,000 $1,170,000 8.8% 0.1%
AMERICAN MORTGAGE SERVICE COMPANY $920,000 $1,140,000 23.9% 0.1%
ROYAL UNITED MORTGAGE LLC $1,480,000 $1,140,000 -23.0% 0.1%
Stifel Bank and Trust $1,120,000 n/a 0.1%
AmeriHome Mortgage Company, LLC $1,820,000 $1,050,000 -42.3% 0.1%
Bank of America $1,465,000 $1,035,000 -29.4% 0.1%
INDIANA MEMBERS CREDIT UNION $1,205,000 $990,000 -17.8% 0.1%
Third Federal Savings and Loan Association of Cleveland $165,000 $980,000 493.9% 0.1%
UNION HOME MORTGAGE CORP. $600,000 $945,000 57.5% 0.1%
MOVEMENT MORTGAGE, LLC $275,000 $925,000 236.4% 0.1%
Northpointe Bank $525,000 $925,000 76.2% 0.1%
First Federal Savings and Loan Association of Greensburg $840,000 $890,000 6.0% 0.1%
STEARNS LENDING, LLC $1,870,000 $810,000 -56.7% 0.1%
ALAMEDA MORTGAGE CORPORATION $795,000 n/a 0.1%
HONDA Federal Credit Union $345,000 $785,000 127.5% 0.1%
KeyBank $475,000 $770,000 62.1% 0.1%
Elements Financial Federal Credit Union $2,365,000 $765,000 -67.7% 0.1%
The Peoples State Bank $495,000 $760,000 53.5% 0.1%
Wyndham Capital Mortgage, Inc. $520,000 $750,000 44.2% 0.1%
Service Federal Credit Union $725,000 n/a 0.1%
Chartwell Financial, LLC $55,000 $720,000 1,209.1% 0.1%
V.I.P. MORTGAGE, INC. $710,000 n/a 0.1%
Home Bank SB $350,000 $705,000 101.4% 0.1%
Raymond James Bank $705,000 n/a 0.1%
Sierra Pacific Mortgage Company, Inc. $690,000 n/a 0.1%
PLANET HOME LENDING, LLC $680,000 n/a 0.1%
Dollar Bank, Federal Savings Bank $675,000 n/a 0.1%
First Savings Bank $675,000 n/a 0.1%
Gateway First Bank $730,000 $665,000 -8.9% 0.1%
Northwest Bank $75,000 $660,000 780.0% 0.1%
AMERIFIRST FINANCIAL CORPORATION $2,080,000 $650,000 -68.8% 0.1%
Republic Bank & Trust Company $1,440,000 $645,000 -55.2% 0.1%
MID AMERICA MORTGAGE, INC. $875,000 $635,000 -27.4% 0.1%
North American Savings Bank, F.S.B. $235,000 $630,000 168.1% 0.1%
PROVIDENT FUNDING ASSOCIATES, L.P. $635,000 $630,000 -0.8% 0.1%
21ST MORTGAGE CORPORATION $410,000 $620,000 51.2% 0.1%
TIAA, FSB $170,000 $595,000 250.0% 0.1%
CIBC Bank USA $555,000 n/a 0.1%
InterContinental Capital Group, Inc $95,000 $555,000 484.2% 0.1%
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. $545,000 n/a 0.1%
Paramount Residential Mortgage Group, Inc. $610,000 $545,000 -10.7% 0.1%
Strong Home Mortgage, LLC $545,000 n/a 0.1%
DIGITAL Federal Credit Union $540,000 n/a 0.1%
AMERICAN FINANCING CORPORATION $370,000 $530,000 43.2% 0.1%
DIRECT MORTGAGE LOANS, LLC $530,000 n/a 0.1%
Citibank $145,000 $505,000 248.3% 0.1%
FINANCE OF AMERICA MORTGAGE LLC $525,000 $495,000 -5.7% 0.1%
BEACON CREDIT UNION $605,000 $480,000 -20.7% 0.1%
TUCKER MORTGAGE, LLC $205,000 $480,000 134.1% 0.1%
Carrington Mortgage Services, LLC $1,780,000 $465,000 -73.9% 0.1%
FirstBank $305,000 $460,000 50.8% 0.1%
PACIFIC RESIDENTIAL MORTGAGE, LLC $155,000 $455,000 193.5% 0.1%
Truist Bank $525,000 $415,000 -21.0% 0.1%
ARC HOME LLC $430,000 $410,000 -4.7% 0.1%
AMWEST FUNDING CORP. $660,000 $400,000 -39.4% 0.0%
TEACHERS CREDIT UNION $215,000 $395,000 83.7% 0.0%
First Option Mortgage, LLC $630,000 $390,000 -38.1% 0.0%
RELIANCE FIRST CAPITAL, LLC $1,050,000 $390,000 -62.9% 0.0%
Magnolia Bank $265,000 $385,000 45.3% 0.0%
Mid-Continent Funding, Inc. $385,000 n/a 0.0%
1ST SIGNATURE LENDING, LLC $535,000 $370,000 -30.8% 0.0%
CITIZENS EQUITY FIRST $155,000 $365,000 135.5% 0.0%
GUIDANCE RESIDENTIAL, LLC $740,000 $365,000 -50.7% 0.0%
Hawthorn Bank $365,000 n/a 0.0%
MILESTONE HOME LENDING, LLC $340,000 $365,000 7.4% 0.0%
Commonwealth Bank and Trust Company $175,000 $360,000 105.7% 0.0%
PENTAGON FEDERAL CREDIT UNION $270,000 $360,000 33.3% 0.0%
MUTUAL OF OMAHA MORTGAGE, INC. $695,000 $355,000 -48.9% 0.0%
First Federal Bank of Kansas City $345,000 n/a 0.0%
T2 FINANCIAL LLC $195,000 $345,000 76.9% 0.0%
ACADEMY MORTGAGE CORPORATION $340,000 n/a 0.0%
AMERICAN PACIFIC MORTGAGE CORPORATION $245,000 $330,000 34.7% 0.0%
CIBM Bank $360,000 $325,000 -9.7% 0.0%
PLAZA HOME MORTGAGE, INC. $455,000 $320,000 -29.7% 0.0%
Equity Prime Mortgage LLC $235,000 $315,000 34.0% 0.0%
SUCCESS MORTGAGE PARTNERS, INC. $280,000 $310,000 10.7% 0.0%
Low VA Rates, LLC $625,000 $305,000 -51.2% 0.0%
Plains Commerce Bank $305,000 n/a 0.0%
FIRST CENTENNIAL MORTGAGE CORPORATION $175,000 $295,000 68.6% 0.0%
Discover Bank $190,000 $290,000 52.6% 0.0%
ENDEAVOR CAPITAL, LLC. $260,000 $290,000 11.5% 0.0%
Owen County State Bank $290,000 n/a 0.0%
WINTERWOOD MORTGAGE GROUP, LLC $285,000 n/a 0.0%
Arvest Bank $345,000 $265,000 -23.2% 0.0%
First Harrison Bank $265,000 n/a 0.0%
First Merchants Bank $750,000 $265,000 -64.7% 0.0%
The Friendship State Bank $265,000 $265,000 0.0% 0.0%
EUSTIS AND AMERICAN MORTGAGE COMPANY $305,000 $260,000 -14.8% 0.0%
EVERETT FINANCIAL, INC. $215,000 $255,000 18.6% 0.0%
First Federal Bank $285,000 $255,000 -10.5% 0.0%
LIMA ONE CAPITAL, LLC $255,000 n/a 0.0%
Watermark Capital, Inc. $250,000 n/a 0.0%
Blackhawk Bank $245,000 n/a 0.0%
First Federal Bank of the Midwest $155,000 $245,000 58.1% 0.0%
LIBERTY HOME MORTGAGE CORPORATION $195,000 $235,000 20.5% 0.0%
GENEVA FINANCIAL, LLC $310,000 $230,000 -25.8% 0.0%
ZILLOW HOME LOANS, LLC $350,000 $230,000 -34.3% 0.0%
Baxter Credit Union $225,000 n/a 0.0%
GSF Mortgage Corporation $225,000 n/a 0.0%
AMCAP MORTGAGE, LTD. $215,000 n/a 0.0%
PREMIA MORTGAGE, LLC $175,000 $215,000 22.9% 0.0%
Residential Mortgage Solutions, Inc. $205,000 n/a 0.0%
SOUTHWEST FUNDING, LP $215,000 $205,000 -4.7% 0.0%
STAR Financial Bank $205,000 n/a 0.0%
The Home Loan Expert LLC $240,000 $205,000 -14.6% 0.0%
Security Federal Savings Bank $200,000 n/a 0.0%
THRIVENT Federal Credit Union $200,000 n/a 0.0%
First Home Bank $675,000 $195,000 -71.1% 0.0%
OCEANSIDE MORTGAGE COMPANY $910,000 $195,000 -78.6% 0.0%
Flanagan State Bank $185,000 n/a 0.0%
LEADERONE FINANCIAL CORPORATION $135,000 $185,000 37.0% 0.0%
MORTGAGE SOLUTIONS OF COLORADO, LLC $185,000 $185,000 0.0% 0.0%
AMERICAN FINANCIAL NETWORK, INC. $230,000 $175,000 -23.9% 0.0%
SOUTH CENTRAL BANK, INC. $1,055,000 $175,000 -83.4% 0.0%
VICTORY MORTGAGE, L.L.C. $330,000 $175,000 -47.0% 0.0%
Park Lane Finance Solutions, LLC $210,000 $170,000 -19.0% 0.0%
Carrollton Bank $165,000 n/a 0.0%
Nations Lending Corporation $430,000 $165,000 -61.6% 0.0%
CRANE $150,000 n/a 0.0%
Figure Lending LLC $75,000 $150,000 100.0% 0.0%
Advisors Mortgage Group, L.L.C. $560,000 $145,000 -74.1% 0.0%
Community First Bank of Indiana $145,000 n/a 0.0%
FCN Bank $145,000 n/a 0.0%
MEMBER FIRST MORTGAGE, LLC $145,000 n/a 0.0%
PHH Mortgage Corporation $255,000 $140,000 -45.1% 0.0%
GENERAL ELECTRIC CREDIT UNION $125,000 n/a 0.0%
The State Bank and Trust Company $195,000 $125,000 -35.9% 0.0%
ACOPIA, LLC $105,000 $115,000 9.5% 0.0%
BM Real Estate Services, Inc. $105,000 n/a 0.0%
First Financial Bank $63,505,000 $95,000 -99.9% 0.0%
First National Bank of Omaha $95,000 n/a 0.0%
LOANPAL, LLC $235,000 $95,000 -59.6% 0.0%
PURDUE FEDERAL CREDIT UNION $95,000 n/a 0.0%
RANLIFE, INC. $95,000 n/a 0.0%
First Bank Richmond $370,000 $75,000 -79.7% 0.0%
JLB CORPORATION $560,000 $75,000 -86.6% 0.0%
Barrington Bank & Trust Company, N.A. $805,000 $55,000 -93.2% 0.0%
KEMBA CREDIT UNION, INC. $55,000 n/a 0.0%
FINANCIAL CENTER FIRST CREDIT UNION $190,000 $45,000 -76.3% 0.0%

COLUMBUS's top lender by overall market share is RUOFF MORTGAGE COMPANY, INC., with 10.2% market share. In second place, with 9.9%, is Centra Credit Union, having originated $80,075,000 in loans. In third place, with 7.7%, is First Financial Bank, having originated $62,255,000 in loans. In third place, with 6.3%, is QUICKEN LOANS, LLC, having originated $50,490,000 in loans. In third place, with 5.8%, is Union Savings Bank, having originated $46,475,000 in loans.


COLUMBUS, IN Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 1,635 $351,145,000 $214,768
Refi 1,491 $278,045,000 $186,482
Cash Out Refi 723 $133,945,000 $185,263
Other 258 $25,500,000 $98,837
Home Improvement 217 $18,465,000 $85,092

Columbus's most frequently cited loan purpose was Home Purchase, with 1,635 originations. The 2nd most popular reason was Refi, with 1,491 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
3-4% 1,544 $313,060,000 $202,759
2.5-3% 1,446 $293,790,000 $203,174
<2.5% 1,117 $175,645,000 $157,247
4-5% 128 $19,960,000 $155,938
Over 8% 35 $1,445,000 $41,286
5-6% 23 $975,000 $42,391
7-8% 15 $515,000 $34,333
6-7% 4 $160,000 $40,000

During 2021, Columbus's most frequently originated rate bucket was 3-4%, with 1,544 originations.

Loan Sizing (COLUMBUS, IN MSA)

Loan Size Originations Total Value Average Loan
$100k-200k 1,853 $272,575,000 $147,099
$200k-400k 1,317 $353,575,000 $268,470
$100,000 or less 949 $58,355,000 $61,491
$400k-600k 157 $73,545,000 $468,439
$600k-1000k 40 $28,700,000 $717,500
$Over $1MM 8 $20,350,000 $2,543,750

COLUMBUS's loan sizing saw the bucket of loans from $100k-200k with 1,853 originations, totaling $272,575,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 1,467 $318,285,000 $216,963
60-80% 1,381 $298,605,000 $216,224
40-60% 610 $101,580,000 $166,525
20-40% 419 $42,185,000 $100,680
Under 20% 264 $11,060,000 $41,894
Over 100% 31 $8,305,000 $267,903

COLUMBUS's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 1,467 originations, totaling $318,285,000 in origination value.


Market Conditions (Median, Average Prices & Listing Count)

Realtor.com - COLUMBUS (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 $247,400 (8.8%) $312,339 (9.8%) 0.00 277
2018-02-01 $242,345 (9.2%) $306,871 (7.0%) 0.00 234
2018-03-01 $252,000 (13.6%) $319,026 (9.7%) 0.00 223
2018-04-01 $259,900 (6.1%) $323,531 (8.9%) 0.00 212
2018-05-01 $254,900 (2.8%) $329,206 (9.5%) 0.00 228
2018-06-01 $249,900 (-0.4%) $323,083 (7.0%) 0.00 240
2018-07-01 $254,900 (-1.9%) $320,484 (2.3%) 0.00 251
2018-08-01 $249,900 (-2.0%) $316,268 (0.0%) 0.00 256
2018-09-01 $239,900 (-4.0%) $308,610 (-1.6%) 0.00 247
2018-10-01 $237,400 (2.6%) $307,413 (2.0%) 0.00 247
2018-11-01 $259,000 (13.2%) $323,284 (6.6%) 0.00 237
2018-12-01 $272,000 (17.5%) $339,734 (11.4%) 0.00 226
2019-01-01 $277,400 (12.1%) $347,979 (11.4%) 0.00 197
2019-02-01 $279,900 (15.5%) $350,884 (14.3%) 0.00 177
2019-03-01 $288,471 (14.5%) $354,421 (11.1%) 0.00 179
2019-04-01 $304,950 (17.3%) $363,648 (12.4%) 0.00 168
2019-05-01 $304,250 (19.4%) $360,969 (9.7%) 0.00 163
2019-06-01 $299,900 (20.0%) $363,415 (12.5%) 0.00 168
2019-07-01 $274,900 (7.9%) $340,317 (6.2%) 0.00 188
2019-08-01 $257,043 (2.9%) $316,330 (0.0%) 0.00 216
2019-09-01 $247,043 (3.0%) $303,138 (-1.8%) 0.00 213
2019-10-01 $249,000 (4.9%) $310,384 (1.0%) 0.00 200
2019-11-01 $259,990 (0.4%) $330,386 (2.2%) 0.00 177
2019-12-01 $262,495 (-3.5%) $327,622 (-3.6%) 0.00 151
2020-01-01 $254,500 (-8.3%) $321,926 (-7.5%) 0.00 140
2020-02-01 $250,000 (-10.7%) $327,692 (-6.6%) 0.00 148
2020-03-01 $260,950 (-9.5%) $334,048 (-5.8%) 0.00 136
2020-04-01 $249,900 (-18.1%) $309,303 (-14.9%) 0.00 149
2020-05-01 $249,900 (-17.9%) $308,977 (-14.4%) 0.00 152
2020-06-01 $242,400 (-19.2%) $305,737 (-15.9%) 0.00 148
2020-07-01 $246,500 (-10.3%) $322,396 (-5.3%) 0.00 142
2020-08-01 $250,000 (-2.7%) $312,647 (-1.2%) 0.00 134
2020-09-01 $265,995 (7.7%) $325,385 (7.3%) 0.00 119
2020-10-01 $269,000 (8.0%) $321,946 (3.7%) 0.00 118
2020-11-01 $279,900 (7.7%) $322,805 (-2.3%) 0.00 100
2020-12-01 $269,450 (2.7%) $308,566 (-5.8%) 0.00 84
2021-01-01 $259,900 (2.1%) $307,467 (-4.5%) 0.00 67
2021-02-01 $277,400 (11.0%) $312,628 (-4.6%) 0.00 45
2021-03-01 $299,900 (14.9%) $345,440 (3.4%) 0.00 49
2021-04-01 $299,900 (20.0%) $352,406 (13.9%) 0.00 51
2021-05-01 $310,000 (24.1%) $368,152 (19.2%) 0.00 65
2021-06-01 $282,450 (16.5%) $367,968 (20.4%) 0.00 71
2021-07-01 $280,000 (13.6%) $352,373 (9.3%) 0.00 87
2021-08-01 $267,400 (7.0%) $339,909 (8.7%) 0.00 107
2021-09-01 $259,900 (-2.3%) $353,770 (8.7%) 0.00 108
2021-10-01 $279,900 (4.1%) $354,177 (10.0%) 0.00 101
2021-11-01 $304,500 (8.8%) $381,475 (18.2%) 0.00 80
2021-12-01 $334,245 (24.1%) $354,448 (14.9%) 0.00 83
2022-01-01 $329,900 (26.9%) $336,427 (9.4%) 0.00 68
2022-02-01 $339,900 (22.5%) $357,789 (14.5%) 0.00 66
2022-03-01 $336,250 (12.1%) $725,999 (110.2%) 0.00 67
2022-04-01 $299,900 (0.0%) $650,267 (84.5%) 0.00 79
2022-05-01 $354,995 (14.5%) $636,492 (72.9%) 0.00 91
2022-06-01 $372,383 (31.8%) $613,409 (66.7%) 0.00 105
COLUMBUS's median listing price for 2022-06-01 was $372,383, a difference of $89,933 (31.8%) versus the prior year and $17,388 versus the prior month.

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

COLUMBUS's average listing price for 2022-06-01 was $613,409, a difference of $245,441 (66.7%) versus the prior year and $-23,083 versus the prior month.

For the 2022-06-01 period, COLUMBUS had 105 MLS listings, a difference of 14 listings (15%) versus the prior month and 34 listings (48%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - COLUMBUS (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 0 days 2,470 sqft
2018-02-01 0 days 2,416 sqft
2018-03-01 0 days 2,702 sqft
2018-04-01 0 days 2,725 sqft
2018-05-01 0 days 2,733 sqft
2018-06-01 0 days 2,693 sqft
2018-07-01 0 days 2,740 sqft
2018-08-01 0 days 2,685 sqft
2018-09-01 0 days 2,464 sqft
2018-10-01 0 days 2,493 sqft
2018-11-01 0 days 2,615 sqft
2018-12-01 0 days 2,743 sqft
2019-01-01 0 days 2,629 sqft
2019-02-01 0 days 2,688 sqft
2019-03-01 0 days 2,890 sqft
2019-04-01 0 days 3,001 sqft
2019-05-01 0 days 2,869 sqft
2019-06-01 0 days 2,704 sqft
2019-07-01 0 days 2,489 sqft
2019-08-01 0 days 2,435 sqft
2019-09-01 0 days 2,476 sqft
2019-10-01 0 days 2,697 sqft
2019-11-01 0 days 2,772 sqft
2019-12-01 0 days 2,723 sqft
2020-01-01 0 days 2,742 sqft
2020-02-01 0 days 2,712 sqft
2020-03-01 0 days 2,820 sqft
2020-04-01 0 days 2,740 sqft
2020-05-01 0 days 2,774 sqft
2020-06-01 0 days 2,515 sqft
2020-07-01 0 days 2,800 sqft
2020-08-01 0 days 2,680 sqft
2020-09-01 0 days 2,376 sqft
2020-10-01 0 days 2,322 sqft
2020-11-01 0 days 2,356 sqft
2020-12-01 0 days 2,154 sqft
2021-01-01 0 days 2,218 sqft
2021-02-01 0 days 2,223 sqft
2021-03-01 0 days 2,271 sqft
2021-04-01 0 days 2,240 sqft
2021-05-01 0 days 2,457 sqft
2021-06-01 0 days 2,404 sqft
2021-07-01 0 days 2,344 sqft
2021-08-01 0 days 2,264 sqft
2021-09-01 0 days 2,210 sqft
2021-10-01 0 days 2,200 sqft
2021-11-01 0 days 2,369 sqft
2021-12-01 0 days 2,078 sqft
2022-01-01 0 days 1,862 sqft
2022-02-01 0 days 1,867 sqft
2022-03-01 0 days 2,182 sqft
2022-04-01 0 days 2,076 sqft
2022-05-01 0 days 2,156 sqft
2022-06-01 0 days 2,306 sqft
COLUMBUS's median listing age (time on market) for 2022-06-01 was 0 days.

COLUMBUS's median square footage for active listings during the 2022-06-01 period was 2,306 sqft. One year prior, the average listing was 2,404 sqft.