DAPHNE - FAIRHOPE - FOLEY Mortgage Rates & Closing Costs
30yr Fixed Rate
15yr Fixed Rate
FHA
USDA
VA
5/1 ARM
30 Year Fixed Rate mortgages in Daphne - Fairhope - Foley averaged
6.76%
for the week of 2025-07-03, compared to the national average of
6.67% for the same period.
The average rate for the prior week (2025-06-26) was
6.76% and
one month ago for the week of 2025-05-29, the
average rate was 6.88%.
Daphne - Fairhope - Foley's average rate one year ago was 6.75%.
For refis of the same type during the week of 2025-07-03, the average rate
was 7.3%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-07-03 | 6.67% |
| Daphne - Fairhope - Foley 30 Year Fixed Rate | 2025-07-03 | 6.76% |
| Daphne - Fairhope - Foley 30 Year Fixed Rate Refi | 2025-07-03 | 7.3% |
| Daphne - Fairhope - Foley 15 Year Fixed Rate | 2025-07-03 | 6.47% |
| Daphne - Fairhope - Foley 15 Year Fixed Rate Refi | 2025-07-03 | 6.4% |
| Daphne - Fairhope - Foley 30 Year FHA | 2025-07-03 | -0.71% |
| Daphne - Fairhope - Foley 30 Year FHA Refi | 2025-07-03 | 0.2% |
| Daphne - Fairhope - Foley 30 Year USDA | 2025-07-03 | -1.65% |
| Daphne - Fairhope - Foley 30 Year USDA Refi | 2025-07-03 | -0.2% |
| Daphne - Fairhope - Foley 30 Year VA | 2025-07-03 | -0.24% |
| Daphne - Fairhope - Foley 30 Year VA Refi | 2025-07-03 | -0.35% |
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within DAPHNE-FAIRHOPE-FOLEY, AL.
DAPHNE - FAIRHOPE - FOLEY 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 DAPHNE-FAIRHOPE-FOLEY, 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.).
DAPHNE - FAIRHOPE - FOLEY Average Closing Costs & Other Stats
DAPHNE-FAIRHOPE-FOLEY, AL's 240 lenders originated 7,786
loans during 2024. The total origination value was $2,332,240,000, with an average loan value of
$299,543.
DAPHNE - FAIRHOPE - FOLEY's average closing costs are $4,935.
The top DAPHNE - FAIRHOPE - FOLEY lender as defined by loan originations is DHI MORTGAGE COMPANY, LTD., with
289 loans originated. Their average total fees are
$2,200, which is $4,710
lower than the next largest lender,
QUICKEN LOANS, LLC.
The lowest fee DAPHNE - FAIRHOPE - FOLEY lenders (with over 10 loans originated) are
DSLD MORTGAGE, LLC ($833), DHI MORTGAGE COMPANY, LTD. ($2,200), EAGLE HOME MORTGAGE, LLC ($2,466), Stifel Bank and Trust ($2,624) and ALABAMA CREDIT UNION ($3,085).
The lowest rate DAPHNE - FAIRHOPE - FOLEY lenders (with over 10 loans originated) are
New Horizons Credit Union (5.18%), EAGLE HOME MORTGAGE, LLC (5.36%), DHI MORTGAGE COMPANY, LTD. (5.53%), ALABAMA CREDIT UNION (5.81%) and Stifel Bank and Trust (6.03%).
DAPHNE-FAIRHOPE-FOLEY, 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 | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| DHI MORTGAGE COMPANY, LTD. | $248,615,000 | $293,000,000 | 17.9% | 12.6% |
| UNITED WHOLESALE MORTGAGE, LLC | $122,595,000 | $112,970,000 | -7.9% | 4.8% |
| QUICKEN LOANS, LLC | $80,340,000 | $90,830,000 | 13.1% | 3.9% |
| Trustmark National Bank | $80,575,000 | $70,330,000 | -12.7% | 3.0% |
| Regions Bank | $75,340,000 | $68,935,000 | -8.5% | 3.0% |
| BancorpSouth | $52,450,000 | $65,080,000 | 24.1% | 2.8% |
| MOVEMENT MORTGAGE, LLC | $55,550,000 | $58,080,000 | 4.6% | 2.5% |
| LENDINGONE, LLC | $1,000,000 | $50,190,000 | 4,919.0% | 2.2% |
| FirstBank | $46,795,000 | $49,495,000 | 5.8% | 2.1% |
| Community Bank of Mississippi | $47,100,000 | $43,060,000 | -8.6% | 1.8% |
| South State Bank | $69,660,000 | $38,825,000 | -44.3% | 1.7% |
| NAVY FEDERAL CREDIT UNION | $27,935,000 | $36,180,000 | 29.5% | 1.6% |
| GMFS LLC | $19,430,000 | $33,290,000 | 71.3% | 1.4% |
| Mortgage Research Center, LLC | $27,320,000 | $32,435,000 | 18.7% | 1.4% |
| EAGLE HOME MORTGAGE, LLC | $55,415,000 | $31,645,000 | -42.9% | 1.4% |
| Northpointe Bank | $9,970,000 | $30,915,000 | 210.1% | 1.3% |
| First Horizon Bank | $38,205,000 | $29,365,000 | -23.1% | 1.3% |
| BankPlus | $18,565,000 | $28,875,000 | 55.5% | 1.2% |
| NEWREZ LLC | $16,075,000 | $27,775,000 | 72.8% | 1.2% |
| PNC Bank | $32,240,000 | $27,735,000 | -14.0% | 1.2% |
| DSLD MORTGAGE, LLC | $23,985,000 | $27,585,000 | 15.0% | 1.2% |
| River Bank & Trust | $47,050,000 | $23,140,000 | -50.8% | 1.0% |
| ServisFirst Bank | $20,575,000 | $22,990,000 | 11.7% | 1.0% |
| PENNYMAC LOAN SERVICES, LLC | $23,145,000 | $22,430,000 | -3.1% | 1.0% |
| Bryant Bank | $22,565,000 | $22,415,000 | -0.7% | 1.0% |
| Tyndall Federal Credit Union | $13,375,000 | $21,940,000 | 64.0% | 0.9% |
| FREEDOM MORTGAGE CORPORATION | $10,640,000 | $20,335,000 | 91.1% | 0.9% |
| SWBC MORTGAGE CORPORATION | $22,370,000 | $19,975,000 | -10.7% | 0.9% |
| S1L, Inc. | $1,305,000 | $19,460,000 | 1,391.2% | 0.8% |
| The First, A National Banking Association | $29,710,000 | $18,525,000 | -37.6% | 0.8% |
| First Federal Bank, A FSB | $21,825,000 | $17,150,000 | -21.4% | 0.7% |
| Plains Commerce Bank | $30,625,000 | $14,170,000 | -53.7% | 0.6% |
| JPMorgan Chase Bank | $7,660,000 | $14,125,000 | 84.4% | 0.6% |
| Wells Fargo Bank | $15,175,000 | $14,050,000 | -7.4% | 0.6% |
| CMG MORTGAGE, INC. | $11,595,000 | $13,640,000 | 17.6% | 0.6% |
| BROKER SOLUTIONS, INC. | $4,830,000 | $13,260,000 | 174.5% | 0.6% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $28,120,000 | $13,120,000 | -53.3% | 0.6% |
| UNION HOME MORTGAGE CORP. | $9,690,000 | $12,345,000 | 27.4% | 0.5% |
| Pen Air Federal Credit Union | $10,730,000 | $12,265,000 | 14.3% | 0.5% |
| Morgan Stanley Private Bank | $11,580,000 | $12,125,000 | 4.7% | 0.5% |
| GUARANTEED RATE, INC. | $7,980,000 | $12,010,000 | 50.5% | 0.5% |
| MID AMERICA MORTGAGE, INC. | $15,760,000 | $11,430,000 | -27.5% | 0.5% |
| LOANDEPOT.COM, LLC | $8,540,000 | $10,860,000 | 27.2% | 0.5% |
| Hancock Whitney Bank | $15,420,000 | $10,365,000 | -32.8% | 0.4% |
| USAA Federal Savings Bank | $8,930,000 | $10,150,000 | 13.7% | 0.4% |
| Flagstar Bank, FSB | $7,745,000 | $9,705,000 | 25.3% | 0.4% |
| TOWNE MORTGAGE COMPANY | $9,465,000 | n/a | 0.4% | |
| Bank of England | $14,140,000 | $9,420,000 | -33.4% | 0.4% |
| STOCKTON MORTGAGE CORPORATION | $3,470,000 | $9,410,000 | 171.2% | 0.4% |
| ALABAMA CREDIT UNION | $8,885,000 | $9,385,000 | 5.6% | 0.4% |
| West Alabama Bank & Trust | $2,270,000 | $9,350,000 | 311.9% | 0.4% |
| Stifel Bank and Trust | $5,835,000 | $9,335,000 | 60.0% | 0.4% |
| Mr. Cooper ( Nationstar Mortgage ) | $8,245,000 | $9,305,000 | 12.9% | 0.4% |
| CROSSCOUNTRY MORTGAGE, LLC | $12,550,000 | $9,090,000 | -27.6% | 0.4% |
| Truist | $11,120,000 | $9,030,000 | -18.8% | 0.4% |
| Merchants Bank of Indiana | $12,550,000 | $8,880,000 | -29.2% | 0.4% |
| 21ST MORTGAGE CORPORATION | $8,525,000 | $8,685,000 | 1.9% | 0.4% |
| Renasant Bank | $15,985,000 | $8,650,000 | -45.9% | 0.4% |
| Bank of America | $10,195,000 | $8,545,000 | -16.2% | 0.4% |
| Synovus Bank | $9,550,000 | $8,405,000 | -12.0% | 0.4% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $5,630,000 | $8,265,000 | 46.8% | 0.4% |
| NATIONS DIRECT MORTGAGE, LLC | $325,000 | $8,170,000 | 2,413.8% | 0.4% |
| Magnolia Bank | $3,775,000 | $8,065,000 | 113.6% | 0.3% |
| New Horizons Credit Union | $9,570,000 | $7,845,000 | -18.0% | 0.3% |
| b1BANK | $1,300,000 | $7,765,000 | 497.3% | 0.3% |
| United Community Bank | $7,255,000 | $7,545,000 | 4.0% | 0.3% |
| CARDINAL FINANCIAL | $15,850,000 | $7,400,000 | -53.3% | 0.3% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $2,220,000 | $7,260,000 | 227.0% | 0.3% |
| U.S. Bank | $8,195,000 | $7,130,000 | -13.0% | 0.3% |
| DEEPHAVEN MORTGAGE LLC | $10,340,000 | $6,880,000 | -33.5% | 0.3% |
| United Bank | $10,345,000 | $6,750,000 | -34.8% | 0.3% |
| Centennial Bank | $325,000 | $6,580,000 | 1,924.6% | 0.3% |
| Merchants & Marine Bank | $9,085,000 | $6,480,000 | -28.7% | 0.3% |
| ARC HOME LLC | $6,120,000 | $6,425,000 | 5.0% | 0.3% |
| VILLAGE CAPITAL MORTGAGE | $1,795,000 | $6,415,000 | 257.4% | 0.3% |
| City National Bank of Florida | $6,375,000 | n/a | 0.3% | |
| NEW DAY FINANCIAL, LLC | $3,260,000 | $6,340,000 | 94.5% | 0.3% |
| The Loan Store, Inc. | $2,900,000 | $6,195,000 | 113.6% | 0.3% |
| EMBRACE HOME LOANS, INC. | $5,885,000 | $5,960,000 | 1.3% | 0.3% |
| AMERIFIRST BANK | $1,055,000 | $5,905,000 | 459.7% | 0.3% |
| SmartBank | $7,235,000 | $5,770,000 | -20.2% | 0.2% |
| GUILD MORTGAGE COMPANY | $5,520,000 | $5,725,000 | 3.7% | 0.2% |
| NFM, INC. | $5,765,000 | $5,545,000 | -3.8% | 0.2% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $5,225,000 | n/a | 0.2% | |
| NexBank | $625,000 | $5,215,000 | 734.4% | 0.2% |
| PLANET HOME LENDING, LLC | $1,955,000 | $4,875,000 | 149.4% | 0.2% |
| Prosperity Home Mortgage, LLC | $8,320,000 | $4,785,000 | -42.5% | 0.2% |
| Nations Lending Corporation | $7,740,000 | $4,745,000 | -38.7% | 0.2% |
| AMERICAN HERITAGE LENDING, INC. | $1,765,000 | $4,690,000 | 165.7% | 0.2% |
| NBKC BANK | $2,175,000 | $4,590,000 | 111.0% | 0.2% |
| Pinnacle Bank | $2,170,000 | $4,580,000 | 111.1% | 0.2% |
| Metro Bank | $1,650,000 | $4,490,000 | 172.1% | 0.2% |
| ALL IN | $10,045,000 | $4,485,000 | -55.4% | 0.2% |
| LENDSURE MORTGAGE CORP. | $5,565,000 | $4,440,000 | -20.2% | 0.2% |
| INSPIRE HOME LOANS INC. | $1,405,000 | $4,250,000 | 202.5% | 0.2% |
| Ameris Bank | $3,280,000 | $4,045,000 | 23.3% | 0.2% |
| BankFirst Financial Services | $3,070,000 | $3,795,000 | 23.6% | 0.2% |
| TJC Mortgage, Inc. | $205,000 | $3,790,000 | 1,748.8% | 0.2% |
| The Federal Savings Bank | $4,180,000 | $3,765,000 | -9.9% | 0.2% |
| Century Bank | $12,340,000 | $3,535,000 | -71.4% | 0.2% |
| Princeton Mortgage Corporation | $8,145,000 | $3,465,000 | -57.5% | 0.1% |
| NORWICH COMMERCIAL GROUP, INC. | $3,460,000 | n/a | 0.1% | |
| CANOPY MORTGAGE, LLC | $1,840,000 | $3,440,000 | 87.0% | 0.1% |
| AMERISAVE MORTGAGE CORPORATION | $5,240,000 | $3,205,000 | -38.8% | 0.1% |
| PriorityOne Bank | $5,820,000 | $3,160,000 | -45.7% | 0.1% |
| Equity Prime Mortgage LLC | $1,310,000 | $3,085,000 | 135.5% | 0.1% |
| Commerce Home Mortgage, Inc. | $615,000 | $3,065,000 | 398.4% | 0.1% |
| Century Mortgage Company DBA Century Lending Company | $965,000 | $3,005,000 | 211.4% | 0.1% |
| CHURCHILL MORTGAGE CORPORATION | $1,240,000 | $3,005,000 | 142.3% | 0.1% |
| FIRST COLONY MORTGAGE CORPORATION | $1,205,000 | $2,960,000 | 145.6% | 0.1% |
| Citizens Bank | $7,575,000 | $2,930,000 | -61.3% | 0.1% |
| Emprise Bank | $1,905,000 | $2,805,000 | 47.2% | 0.1% |
| LAKEVIEW LOAN SERVICING, LLC | $870,000 | $2,765,000 | 217.8% | 0.1% |
| The Citizens Bank | $8,850,000 | $2,735,000 | -69.1% | 0.1% |
| Origin Bank | $255,000 | $2,720,000 | 966.7% | 0.1% |
| HOMEXPRESS MORTGAGE CORP. | $640,000 | $2,710,000 | 323.4% | 0.1% |
| PENTAGON FEDERAL CREDIT UNION | $2,250,000 | $2,675,000 | 18.9% | 0.1% |
| Figure Lending LLC | $2,145,000 | $2,620,000 | 22.1% | 0.1% |
| DIRECT MORTGAGE LOANS, LLC | $2,185,000 | $2,615,000 | 19.7% | 0.1% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $2,020,000 | $2,585,000 | 28.0% | 0.1% |
| Assurance Financial Group, L.L.C. | $6,220,000 | $2,560,000 | -58.8% | 0.1% |
| Legends Bank | $500,000 | $2,530,000 | 406.0% | 0.1% |
| COMPASS MORTGAGE, INC. | $610,000 | $2,455,000 | 302.5% | 0.1% |
| AMERICA'S FIRST | $3,620,000 | $2,445,000 | -32.5% | 0.1% |
| Barrington Bank & Trust Company, N.A. | $2,830,000 | $2,440,000 | -13.8% | 0.1% |
| FBC MORTGAGE, LLC | $1,240,000 | $2,440,000 | 96.8% | 0.1% |
| APCO EMPLOYEES | $1,895,000 | $2,425,000 | 28.0% | 0.1% |
| Carrington Mortgage Services, LLC | $2,175,000 | $2,425,000 | 11.5% | 0.1% |
| American Mortgage & Equity Consultants, Inc. | $590,000 | $2,400,000 | 306.8% | 0.1% |
| TRIAD FINANCIAL SERVICES, INC. | $2,045,000 | $2,395,000 | 17.1% | 0.1% |
| LOANPAL, LLC | $770,000 | $2,385,000 | 209.7% | 0.1% |
| AMERICAN FINANCING CORPORATION | $890,000 | $2,340,000 | 162.9% | 0.1% |
| SouthPoint Bank | $10,215,000 | $2,315,000 | -77.3% | 0.1% |
| NobleBank & Trust | $920,000 | $2,285,000 | 148.4% | 0.1% |
| Citadel Servicing Corporation | $900,000 | $2,265,000 | 151.7% | 0.1% |
| SUN WEST MORTGAGE COMPANY, INC. | $1,015,000 | $2,255,000 | 122.2% | 0.1% |
| AMERITRUST MORTGAGE CORPORATION | $2,240,000 | n/a | 0.1% | |
| THE MORTGAGE FIRM, INC. | $9,485,000 | $2,195,000 | -76.9% | 0.1% |
| FAMILY SAVINGS | $230,000 | $2,135,000 | 828.3% | 0.1% |
| FIRST COMMUNITY MORTGAGE, INC. | $1,945,000 | $2,055,000 | 5.7% | 0.1% |
| Paramount Residential Mortgage Group, Inc. | $1,240,000 | $2,040,000 | 64.5% | 0.1% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $2,275,000 | $2,005,000 | -11.9% | 0.1% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $1,100,000 | $1,990,000 | 80.9% | 0.1% |
| LONGBRIDGE FINANCIAL, LLC | $455,000 | $1,935,000 | 325.3% | 0.1% |
| PLAZA HOME MORTGAGE, INC. | $4,345,000 | $1,910,000 | -56.0% | 0.1% |
| Progressive Bank | $1,910,000 | n/a | 0.1% | |
| Discover Bank | $3,555,000 | $1,865,000 | -47.5% | 0.1% |
| First National Bank in DeRidder | $1,865,000 | n/a | 0.1% | |
| Bank of Springfield | $775,000 | $1,840,000 | 137.4% | 0.1% |
| NAVIGATOR CU | $1,070,000 | $1,755,000 | 64.0% | 0.1% |
| GoPrime Mortgage, Inc. | $1,750,000 | n/a | 0.1% | |
| AmeriHome Mortgage Company, LLC | $2,185,000 | $1,730,000 | -20.8% | 0.1% |
| LENDINGHOME FUNDING CORPORATION | $1,720,000 | n/a | 0.1% | |
| First Metro Bank | $1,140,000 | $1,685,000 | 47.8% | 0.1% |
| ZILLOW HOME LOANS, LLC | $1,605,000 | $1,685,000 | 5.0% | 0.1% |
| Gibsland Bank & Trust Company | $1,620,000 | n/a | 0.1% | |
| SOUTHEAST MORTGAGE OF GEORGIA, INC. | $2,485,000 | $1,615,000 | -35.0% | 0.1% |
| MAX Credit Union | $275,000 | $1,605,000 | 483.6% | 0.1% |
| LENOX FINANCIAL MORTGAGE CORPORATION | $1,600,000 | n/a | 0.1% | |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $5,370,000 | $1,600,000 | -70.2% | 0.1% |
| CHEVRON | $620,000 | $1,590,000 | 156.5% | 0.1% |
| First Federal Bank | $840,000 | $1,580,000 | 88.1% | 0.1% |
| First Bank | $1,020,000 | $1,565,000 | 53.4% | 0.1% |
| Bethpage Federal Credit Union | $385,000 | $1,535,000 | 298.7% | 0.1% |
| First Option Mortgage, LLC | $530,000 | $1,530,000 | 188.7% | 0.1% |
| GUARANTEED RATE AFFINITY, LLC | $1,585,000 | $1,505,000 | -5.0% | 0.1% |
| Mid-Continent Funding, Inc. | $435,000 | $1,470,000 | 237.9% | 0.1% |
| 1ST SIGNATURE LENDING, LLC | $2,120,000 | $1,435,000 | -32.3% | 0.1% |
| MEMBER FIRST MORTGAGE, LLC | $1,435,000 | n/a | 0.1% | |
| North American Savings Bank, F.S.B. | $2,135,000 | $1,420,000 | -33.5% | 0.1% |
| University Bank | $1,150,000 | $1,410,000 | 22.6% | 0.1% |
| Gateway First Bank | $1,635,000 | $1,355,000 | -17.1% | 0.1% |
| EUSTIS AND AMERICAN MORTGAGE COMPANY | $2,770,000 | $1,350,000 | -51.3% | 0.1% |
| AVADIAN | $2,625,000 | $1,340,000 | -49.0% | 0.1% |
| ALLIANT CREDIT UNION | $905,000 | $1,335,000 | 47.5% | 0.1% |
| PHH Mortgage Corporation | $890,000 | $1,330,000 | 49.4% | 0.1% |
| BMO Harris Bank | $355,000 | $1,295,000 | 264.8% | 0.1% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | $1,260,000 | n/a | 0.1% | |
| SeaTrust Mortgage Company | $1,255,000 | n/a | 0.1% | |
| First Federal Savings and Loan Association | $1,235,000 | n/a | 0.1% | |
| S&T Bank | $1,205,000 | n/a | 0.1% | |
| The Hometown Bank of Alabama | $425,000 | $1,200,000 | 182.4% | 0.1% |
| SOUTHWEST STAGE FUNDING, LLC | $2,285,000 | $1,190,000 | -47.9% | 0.1% |
| FINANCE OF AMERICA REVERSE LLC | $230,000 | $1,180,000 | 413.0% | 0.1% |
| Alabama One Credit Union | $1,395,000 | $1,160,000 | -16.8% | 0.0% |
| EVERETT FINANCIAL, INC. | $835,000 | $1,160,000 | 38.9% | 0.0% |
| Bank Independent | $2,475,000 | $1,155,000 | -53.3% | 0.0% |
| LIMA ONE CAPITAL, LLC | $2,440,000 | $1,155,000 | -52.7% | 0.0% |
| MORTGAGE INVESTORS GROUP, INC. | $400,000 | $1,155,000 | 188.8% | 0.0% |
| A&D Mortgage LLC | $1,145,000 | $1,130,000 | -1.3% | 0.0% |
| ROYAL UNITED MORTGAGE LLC | $390,000 | $1,110,000 | 184.6% | 0.0% |
| Coastal Community Bank | $1,325,000 | $1,100,000 | -17.0% | 0.0% |
| First-Citizens Bank & Trust Company | $765,000 | $1,095,000 | 43.1% | 0.0% |
| ALABAMA TEACHERS | $1,090,000 | n/a | 0.0% | |
| Oconee State Bank | $735,000 | $1,065,000 | 44.9% | 0.0% |
| Guardian Credit Union | $835,000 | $1,060,000 | 26.9% | 0.0% |
| First Citizens National Bank | $525,000 | $1,045,000 | 99.0% | 0.0% |
| Peoples Independent Bank | $1,040,000 | n/a | 0.0% | |
| Capital City Home Loans, LLC | $3,260,000 | $1,035,000 | -68.3% | 0.0% |
| Beeline Loans, Inc. | $1,025,000 | n/a | 0.0% | |
| Independent Bank | $1,055,000 | $1,025,000 | -2.8% | 0.0% |
| First National Bank | $465,000 | $1,005,000 | 116.1% | 0.0% |
| The First National Bank of Ottawa | $1,005,000 | n/a | 0.0% | |
| HOMESIDE FINANCIAL, LLC | $145,000 | $1,000,000 | 589.7% | 0.0% |
| HARVESTERS FEDERAL CREDIT UNION | $1,010,000 | $990,000 | -2.0% | 0.0% |
| MILEND, INC. | $1,645,000 | $990,000 | -39.8% | 0.0% |
| Raymond James Bank | $8,970,000 | $980,000 | -89.1% | 0.0% |
| NP, Inc. | $2,290,000 | $975,000 | -57.4% | 0.0% |
| BOKF | $955,000 | n/a | 0.0% | |
| City National Bank of West Virginia | $955,000 | n/a | 0.0% | |
| ACIPCO Federal Credit Union | $645,000 | $950,000 | 47.3% | 0.0% |
| Deere Employees Credit Union | $55,000 | $940,000 | 1,609.1% | 0.0% |
| GREENSTATE CREDIT UNION | $910,000 | n/a | 0.0% | |
| UBS Bank USA | $445,000 | $900,000 | 102.2% | 0.0% |
| Old National Bank | $295,000 | $875,000 | 196.6% | 0.0% |
| Loan Simple, Inc. | $865,000 | n/a | 0.0% | |
| Cornerstone First Mortgage, Inc | $975,000 | $855,000 | -12.3% | 0.0% |
| Hometown Equity Mortgage, LLC | $1,935,000 | $850,000 | -56.1% | 0.0% |
| ENCORE BANK | $835,000 | n/a | 0.0% | |
| GENEVA FINANCIAL, LLC | $835,000 | n/a | 0.0% | |
| The Citizens National Bank of Meridian | $830,000 | $830,000 | 0.0% | 0.0% |
| Hamilton Mortgage Corporation | $2,255,000 | $820,000 | -63.6% | 0.0% |
| Patriot Bank | $810,000 | n/a | 0.0% | |
| Cross Keys Bank | $805,000 | n/a | 0.0% | |
| Heritage Community Bank | $805,000 | $805,000 | 0.0% | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | $1,375,000 | $805,000 | -41.5% | 0.0% |
| Bank of Yazoo City | $750,000 | $795,000 | 6.0% | 0.0% |
| Gulf Winds Credit Union | $2,645,000 | $795,000 | -69.9% | 0.0% |
| Armed Forces Bank | $790,000 | n/a | 0.0% | |
| Great Southern Bank | $115,000 | $790,000 | 587.0% | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | $3,040,000 | $785,000 | -74.2% | 0.0% |
| CIS Financial Services, Inc. | $475,000 | $770,000 | 62.1% | 0.0% |
| OCMBC, INC. | $155,000 | $765,000 | 393.5% | 0.0% |
| FIRST NATIONAL BANK OF WEATHERFORD | $760,000 | n/a | 0.0% | |
| The State Bank and Trust Company | $760,000 | n/a | 0.0% | |
| BETTER MORTGAGE CORPORATION | $2,525,000 | $745,000 | -70.5% | 0.0% |
| EVANSVILLE TEACHERS | $1,530,000 | $745,000 | -51.3% | 0.0% |
| RBC Bank, (Georgia) | $275,000 | $740,000 | 169.1% | 0.0% |
| LEADERONE FINANCIAL CORPORATION | $1,025,000 | $730,000 | -28.8% | 0.0% |
| ENDEAVOR CAPITAL, LLC. | $720,000 | n/a | 0.0% | |
| MORTGAGE ACCESS CORP. | $720,000 | n/a | 0.0% | |
| First Mid Bank & Trust | $715,000 | n/a | 0.0% | |
| KEESLER | $170,000 | $715,000 | 320.6% | 0.0% |
| Troy Bank and Trust Company | $405,000 | $715,000 | 76.5% | 0.0% |
| AMWEST FUNDING CORP. | $745,000 | $705,000 | -5.4% | 0.0% |
| Consumer First Mortgage, Inc. | $1,115,000 | $705,000 | -36.8% | 0.0% |
| Quontic Bank | $665,000 | $705,000 | 6.0% | 0.0% |
| The Bank of Holly Springs | $465,000 | $705,000 | 51.6% | 0.0% |
| Goldwater Bank, N.A. | $275,000 | $690,000 | 150.9% | 0.0% |
| OAKTREE FUNDING CORP. | $1,095,000 | $690,000 | -37.0% | 0.0% |
| Luxury Mortgage Corp. | $685,000 | n/a | 0.0% | |
| Red River Bank | $205,000 | $685,000 | 234.1% | 0.0% |
| RUOFF MORTGAGE COMPANY, INC. | $630,000 | $680,000 | 7.9% | 0.0% |
| Granite Community Bank | $675,000 | n/a | 0.0% | |
| Great Plains National Bank | $675,000 | n/a | 0.0% | |
| Gulf Coast Bank and Trust Company | $4,470,000 | $670,000 | -85.0% | 0.0% |
| Watermark Capital, Inc. | $520,000 | $670,000 | 28.8% | 0.0% |
| Sullivan Bank | $665,000 | n/a | 0.0% | |
| CORNERSTONE HOME LENDING, INC. | $285,000 | $650,000 | 128.1% | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | $640,000 | n/a | 0.0% | |
| CREDIT HUMAN FEDERAL CREDIT UNION | $1,035,000 | $630,000 | -39.1% | 0.0% |
| EMM LOANS LLC | $630,000 | n/a | 0.0% | |
| Bank of Cleveland | $625,000 | n/a | 0.0% | |
| Goldman Sachs Bank USA | $625,000 | n/a | 0.0% | |
| SECURITYNATIONAL MORTGAGE COMPANY | $625,000 | n/a | 0.0% | |
| The Farmers Bank | $625,000 | n/a | 0.0% | |
| GEORGIA'S OWN | $615,000 | n/a | 0.0% | |
| The Citizens Bank of Philadelphia, Mississippi | $615,000 | n/a | 0.0% | |
| OPEN MORTGAGE, LLC | $450,000 | $610,000 | 35.6% | 0.0% |
| First Security Bank | $605,000 | n/a | 0.0% | |
| NEXERA HOLDING LLC | $2,040,000 | $600,000 | -70.6% | 0.0% |
| East Coast Capital Corp. | $585,000 | n/a | 0.0% | |
| Sunflower Bank | $315,000 | $580,000 | 84.1% | 0.0% |
| First South Farm Credit, ACA | $575,000 | n/a | 0.0% | |
| American Mortgage Bank, LLC | $565,000 | n/a | 0.0% | |
| BANKSOUTH MORTGAGE COMPANY, LLC | $305,000 | $565,000 | 85.2% | 0.0% |
| FAIRWINDS CREDIT UNION | $555,000 | n/a | 0.0% | |
| HOMESTEAD FUNDING CORP. | $305,000 | $555,000 | 82.0% | 0.0% |
| First Commercial Bank | $545,000 | n/a | 0.0% | |
| Village Bank | $545,000 | n/a | 0.0% | |
| CSL Financial, LLC | $605,000 | $535,000 | -11.6% | 0.0% |
| PEOPLES BANK OF GREENSBORO | $535,000 | n/a | 0.0% | |
| People's Savings Bank of Rhineland | $535,000 | n/a | 0.0% | |
| COUNTRYPLACE MORTGAGE, LTD. | $295,000 | $525,000 | 78.0% | 0.0% |
| I. H. MISSISSIPPI VALLEY CREDIT UNION | $525,000 | n/a | 0.0% | |
| DOMINION FINANCIAL SERVICES, LLC | $645,000 | $515,000 | -20.2% | 0.0% |
| REDSTONE Federal Credit Union | $1,210,000 | $515,000 | -57.4% | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | $565,000 | $515,000 | -8.8% | 0.0% |
| Zions Bank | $515,000 | n/a | 0.0% | |
| RF Renovo Management Company, LLC | $505,000 | n/a | 0.0% | |
| The Bank of Missouri | $505,000 | n/a | 0.0% | |
| Vision Bank | $505,000 | n/a | 0.0% | |
| Servion, Inc. | $155,000 | $500,000 | 222.6% | 0.0% |
| BM Real Estate Services, Inc. | $495,000 | n/a | 0.0% | |
| Fidelity Bank | $495,000 | n/a | 0.0% | |
| The Huntington National Bank | $1,475,000 | $490,000 | -66.8% | 0.0% |
| The Friendship State Bank | $485,000 | n/a | 0.0% | |
| PREMIA MORTGAGE, LLC | $1,045,000 | $480,000 | -54.1% | 0.0% |
| Bell Bank | $475,000 | n/a | 0.0% | |
| FIDELITY BANK | $2,065,000 | $475,000 | -77.0% | 0.0% |
| Signature Bank of Arkansas | $475,000 | n/a | 0.0% | |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $1,140,000 | $470,000 | -58.8% | 0.0% |
| FLAT BRANCH MORTGAGE, INC. | $255,000 | $460,000 | 80.4% | 0.0% |
| DAS Acquisition Company, LLC | $1,510,000 | $450,000 | -70.2% | 0.0% |
| DIRECT LENDERS, LLC | $445,000 | n/a | 0.0% | |
| Integrity Home Mortgage Corp | $445,000 | n/a | 0.0% | |
| First State Bank of the South, Inc. | $435,000 | n/a | 0.0% | |
| BankSouth | $425,000 | n/a | 0.0% | |
| Baxter Credit Union | $205,000 | $425,000 | 107.3% | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $860,000 | $420,000 | -51.2% | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | $800,000 | $415,000 | -48.1% | 0.0% |
| Broadway National Bank | $405,000 | n/a | 0.0% | |
| Legacy Home Loans, LLC | $405,000 | n/a | 0.0% | |
| The Exchange Bank of Alabama | $115,000 | $405,000 | 252.2% | 0.0% |
| Residential Acceptance Corporation | $400,000 | n/a | 0.0% | |
| SOUTHPOINT FINANCIAL SERVICES, INC. | $400,000 | n/a | 0.0% | |
| ABSOLUTE HOME MORTGAGE CORPORATION | $395,000 | n/a | 0.0% | |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | $225,000 | $395,000 | 75.6% | 0.0% |
| First National Bank | $465,000 | $395,000 | -15.1% | 0.0% |
| Lakeview Community Capital, LLC | $395,000 | n/a | 0.0% | |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | $390,000 | n/a | 0.0% | |
| BancFirst | $385,000 | n/a | 0.0% | |
| Citizens Bank & Trust Co | $385,000 | n/a | 0.0% | |
| Traditions Bank | $380,000 | n/a | 0.0% | |
| Home Federal Bank | $375,000 | n/a | 0.0% | |
| PeoplesSouth Bank | $375,000 | n/a | 0.0% | |
| PINNACLE BANK | $265,000 | $375,000 | 41.5% | 0.0% |
| INSOUTH Bank | $365,000 | n/a | 0.0% | |
| Acre Mortgage and Financial Inc | $355,000 | n/a | 0.0% | |
| Charles Schwab Bank, SSB | $355,000 | n/a | 0.0% | |
| INTERNATIONAL CITY MORTGAGE, INC. | $355,000 | n/a | 0.0% | |
| Five Star Credit Union | $345,000 | n/a | 0.0% | |
| Peoples Bank of Alabama | $605,000 | $345,000 | -43.0% | 0.0% |
| Texana Bank | $235,000 | $345,000 | 46.8% | 0.0% |
| SKYONE Federal Credit Union | $175,000 | $335,000 | 91.4% | 0.0% |
| SPRING EQ, LLC | $75,000 | $335,000 | 346.7% | 0.0% |
| The First National Bank of Pandora | $335,000 | n/a | 0.0% | |
| BAY-VALLEY MORTGAGE GROUP | $325,000 | n/a | 0.0% | |
| GARDNER FINANCIAL SERVICES, LTD. | $325,000 | n/a | 0.0% | |
| Montgomery Bank | $325,000 | n/a | 0.0% | |
| CITIZENS EQUITY FIRST | $375,000 | $320,000 | -14.7% | 0.0% |
| Home Mortgage Alliance Corp | $315,000 | n/a | 0.0% | |
| WesBanco | $285,000 | $315,000 | 10.5% | 0.0% |
| COMMUNITY STATE BANK | $305,000 | n/a | 0.0% | |
| PATRIOTS BANK | $305,000 | n/a | 0.0% | |
| Southern First Bank | $305,000 | n/a | 0.0% | |
| Springfield First Community Bank | $305,000 | n/a | 0.0% | |
| INTERLINC MORTGAGE SERVICES, LLC | $840,000 | $285,000 | -66.1% | 0.0% |
| AlaTrust Credit Union | $355,000 | $275,000 | -22.5% | 0.0% |
| Financial Federal Bank | $1,515,000 | $275,000 | -81.8% | 0.0% |
| First Reliance Bank | $275,000 | n/a | 0.0% | |
| MLD MORTGAGE INC. | $275,000 | n/a | 0.0% | |
| TEMPLE VIEW CAPITAL FUNDING, LP | $275,000 | n/a | 0.0% | |
| ASSEMBLIES OF GOD Credit Union | $255,000 | $255,000 | 0.0% | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | $405,000 | $255,000 | -37.0% | 0.0% |
| Central State Bank | $565,000 | $255,000 | -54.9% | 0.0% |
| DIGITAL Federal Credit Union | $395,000 | $255,000 | -35.4% | 0.0% |
| EMERY FEDERAL CREDIT UNION | $255,000 | n/a | 0.0% | |
| Leader Bank | $255,000 | n/a | 0.0% | |
| Planters Bank & Trust Company | $255,000 | n/a | 0.0% | |
| Premier Bank of the South | $165,000 | $255,000 | 54.5% | 0.0% |
| Presidential Bank, FSB | $255,000 | n/a | 0.0% | |
| River City Bank | $255,000 | n/a | 0.0% | |
| Strong Home Mortgage, LLC | $255,000 | n/a | 0.0% | |
| CARTER FEDERAL CREDIT UNION | $415,000 | $245,000 | -41.0% | 0.0% |
| Community National Bank & Trust | $245,000 | n/a | 0.0% | |
| AmRes Corporation | $235,000 | n/a | 0.0% | |
| CB&S Bank, Inc. | $1,080,000 | $235,000 | -78.2% | 0.0% |
| ROSS MORTGAGE CORPORATION | $235,000 | n/a | 0.0% | |
| Southern Bancorp Bank | $715,000 | $235,000 | -67.1% | 0.0% |
| AMERICAN PORTFOLIO MORTGAGE CORPORATION | $225,000 | n/a | 0.0% | |
| AOD Federal Credit Union | $665,000 | $225,000 | -66.2% | 0.0% |
| First United Bank and Trust Company | $275,000 | $225,000 | -18.2% | 0.0% |
| M&T Bank | $280,000 | $225,000 | -19.6% | 0.0% |
| Pinnacle Bank | $2,170,000 | $225,000 | -89.6% | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING CORPORATION | $225,000 | n/a | 0.0% | |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | $1,030,000 | $215,000 | -79.1% | 0.0% |
| CLIFFCO, INC. | $215,000 | n/a | 0.0% | |
| Horizon Bank | $215,000 | n/a | 0.0% | |
| STAUNTON FINANCIAL, INC. | $215,000 | n/a | 0.0% | |
| The Bank | $215,000 | n/a | 0.0% | |
| Citibank | $2,230,000 | $205,000 | -90.8% | 0.0% |
| Citizens Community Bank | $65,000 | $205,000 | 215.4% | 0.0% |
| Logan Finance Corporation | $205,000 | n/a | 0.0% | |
| First Bank | $1,020,000 | $195,000 | -80.9% | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | $195,000 | n/a | 0.0% | |
| Southwest Airlines Federal Credit Union | $195,000 | n/a | 0.0% | |
| SUMMIT FUNDING, INC. | $475,000 | $195,000 | -58.9% | 0.0% |
| CITY-COUNTY CREDIT UNION | $185,000 | n/a | 0.0% | |
| COMMUNITY MORTGAGE CORPORATION | $730,000 | $185,000 | -74.7% | 0.0% |
| LAFCU | $185,000 | n/a | 0.0% | |
| Republic Bank & Trust Company | $1,290,000 | $185,000 | -85.7% | 0.0% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | $185,000 | n/a | 0.0% | |
| ALLIED MORTGAGE GROUP, INC. | $570,000 | $175,000 | -69.3% | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | $215,000 | $175,000 | -18.6% | 0.0% |
| ILLINOIS STATE CREDIT UNION | $175,000 | n/a | 0.0% | |
| TOP FLITE FINANCIAL, INC. | $1,335,000 | $175,000 | -86.9% | 0.0% |
| State Department Federal Credit Union | $155,000 | n/a | 0.0% | |
| Northwest Federal Credit Union | $165,000 | $150,000 | -9.1% | 0.0% |
| First National Bank of America | $205,000 | $145,000 | -29.3% | 0.0% |
| Liberty Bank | $1,090,000 | $115,000 | -89.4% | 0.0% |
| The First National Bank of Fort Smith | $115,000 | n/a | 0.0% | |
| MEMBERS FIRST CREDIT UNION OF FLORIDA | $105,000 | n/a | 0.0% | |
| WRIGHT PATMAN CONGRESSIONAL FEDERAL CREDIT UNION | $105,000 | n/a | 0.0% | |
| Arvest Bank | $1,590,000 | $85,000 | -94.7% | 0.0% |
| Bank OZK | $75,000 | n/a | 0.0% | |
| DELTA COMMUNITY CREDIT UNION | $1,125,000 | $75,000 | -93.3% | 0.0% |
| WINGS FINANCIAL | $295,000 | $75,000 | -74.6% | 0.0% |
| COLUMBIA COMMUNITY CREDIT UNION | $65,000 | n/a | 0.0% | |
| Alabama Central Credit Union | $415,000 | $55,000 | -86.7% | 0.0% |
| ALABAMA STATE EMPLOYEES CREDIT UNION | $155,000 | $55,000 | -64.5% | 0.0% |
| PURDUE FEDERAL CREDIT UNION | $55,000 | n/a | 0.0% | |
| United States Senate Federal Credit Union | $55,000 | n/a | 0.0% | |
| Family Security Credit Union | $395,000 | $45,000 | -88.6% | 0.0% |
| QUORUM FEDERAL CREDIT UNION | $245,000 | $45,000 | -81.6% | 0.0% |
| N R L Federal Credit Union | $35,000 | n/a | 0.0% |
DAPHNE - FAIRHOPE - FOLEY's top lender by overall market share is DHI MORTGAGE COMPANY, LTD., with 12.6% market share. In second place, with 4.8%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $112,970,000 in loans. In third place, with 3.9%, is QUICKEN LOANS, LLC, having originated $90,830,000 in loans. In fourth place, with 3.0%, is Trustmark National Bank, having originated $70,330,000 in loans. In fifth place, with 3.0%, is Regions Bank, having originated $68,935,000 in loans.
DAPHNE-FAIRHOPE-FOLEY, AL Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 4,909 | $1,711,835,000 | $348,714 |
| Other | 824 | $100,040,000 | $121,408 |
| Refi | 803 | $249,285,000 | $310,442 |
| Cash Out Refi | 763 | $221,265,000 | $289,993 |
| Home Improvement | 487 | $49,815,000 | $102,290 |
Daphne - Fairhope - Foley's most frequently cited loan purpose was Home Purchase, with 4,909 originations. The 2nd most popular reason was Other, with 824 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 2,569 | $850,145,000 | $330,924 |
| Over 8% | 1,639 | $313,495,000 | $191,272 |
| 7-8% | 1,328 | $444,790,000 | $334,932 |
| 5-6% | 1,278 | $395,890,000 | $309,773 |
| 4-5% | 659 | $207,045,000 | $314,181 |
| 3-4% | 131 | $39,855,000 | $304,237 |
| <2.5% | 23 | $3,755,000 | $163,261 |
| 2.5-3% | 12 | $3,430,000 | $285,833 |
During 2024, Daphne - Fairhope - Foley's most frequently originated rate bucket was 6-7%, with 2,569 originations.
Loan Sizing (DAPHNE-FAIRHOPE-FOLEY, AL MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 3,570 | $1,028,070,000 | $287,975 |
| $100k-200k | 1,350 | $201,110,000 | $148,970 |
| $100,000 or less | 1,318 | $71,850,000 | $54,514 |
| $400k-600k | 1,038 | $497,730,000 | $479,509 |
| $600k-1000k | 368 | $267,080,000 | $725,761 |
| $Over $1MM | 142 | $266,400,000 | $1,876,056 |
DAPHNE - FAIRHOPE - FOLEY's loan sizing saw the bucket of loans from $200k-400k with 3,570 originations, totaling $1,028,070,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 2,879 | $1,014,945,000 | $352,534 |
| 60-80% | 1,736 | $675,520,000 | $389,124 |
| Under 20% | 1,073 | $66,365,000 | $61,850 |
| 20-40% | 911 | $149,875,000 | $164,517 |
| 40-60% | 760 | $233,090,000 | $306,697 |
| Over 100% | 165 | $87,295,000 | $529,061 |
DAPHNE - FAIRHOPE - FOLEY's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 2,879 originations, totaling $1,014,945,000 in origination value.