Eufaula Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Eufaula averaged
6.72%
for the week of 2025-04-10, compared to the national average of
6.62% for the same period.
The average rate for the prior week (2025-04-03) was
6.84% and
one month ago for the week of 2025-03-06, the
average rate was 6.53%.
Eufaula's average rate one year ago was 6.82%.
For refis of the same type during the week of 2025-04-10, the average rate
was 7.22%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-04-10 | 6.62% |
| Eufaula 30 Year Fixed Rate | 2025-04-10 | 6.72% |
| Eufaula 30 Year Fixed Rate Refi | 2025-04-10 | 7.22% |
| Eufaula 15 Year Fixed Rate | 2025-04-10 | 5.62% |
| Eufaula 15 Year Fixed Rate Refi | 2025-04-10 | 6.42% |
| Eufaula 30 Year FHA | 2025-04-10 | 6.53% |
| Eufaula 30 Year FHA Refi | 2025-04-10 | 6.33% |
| Eufaula 30 Year USDA | 2025-04-10 | 6.35% |
| Eufaula 30 Year USDA Refi | 2025-04-10 | 6.35% |
| Eufaula 30 Year VA | 2025-04-10 | 6.49% |
| Eufaula 30 Year VA Refi | 2025-04-10 | 6.29% |
Eufaula 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 Eufaula, AL-GA 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.).
Eufaula Average Closing Costs & Other Stats
Eufaula, AL-GA's 32 lenders originated 265
loans during 2024. The total origination value was $40,965,000, with an average loan value of
$154,585.
Eufaula's average closing costs are $4,881.
The top Eufaula lender as defined by loan originations is Renasant Bank, with
12 loans originated. Their average total fees are
$4,372, which is $1,686
lower than the next largest lender,
QUICKEN LOANS, LLC.
The lowest fee Eufaula lenders (with over 10 loans originated) are
Renasant Bank ($4,372), .
The lowest rate Eufaula lenders (with over 10 loans originated) are
Renasant Bank (6.78%), .
Eufaula, AL-GA 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 |
|---|---|---|---|---|
| QUICKEN LOANS, LLC | $2,555,000 | $3,700,000 | 44.8% | 9.0% |
| Renasant Bank | $1,515,000 | $3,000,000 | 98.0% | 7.3% |
| Mortgage Research Center, LLC | $1,715,000 | $1,875,000 | 9.3% | 4.6% |
| Five Star Credit Union | $2,890,000 | $1,690,000 | -41.5% | 4.1% |
| Trustmark National Bank | $1,135,000 | $1,580,000 | 39.2% | 3.9% |
| Ameris Bank | $355,000 | $1,485,000 | 318.3% | 3.6% |
| PeoplesSouth Bank | $1,655,000 | $1,445,000 | -12.7% | 3.5% |
| PNC Bank | $965,000 | $1,315,000 | 36.3% | 3.2% |
| USAA Federal Savings Bank | $165,000 | $1,225,000 | 642.4% | 3.0% |
| PENNYMAC LOAN SERVICES, LLC | $385,000 | $1,215,000 | 215.6% | 3.0% |
| CROSSCOUNTRY MORTGAGE, LLC | $910,000 | $1,205,000 | 32.4% | 2.9% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $585,000 | $965,000 | 65.0% | 2.4% |
| 21ST MORTGAGE CORPORATION | $1,855,000 | $955,000 | -48.5% | 2.3% |
| ServisFirst Bank | $55,000 | $940,000 | 1,609.1% | 2.3% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $475,000 | $760,000 | 60.0% | 1.9% |
| NAVY FEDERAL CREDIT UNION | $850,000 | $715,000 | -15.9% | 1.7% |
| Regions Bank | $720,000 | $650,000 | -9.7% | 1.6% |
| FREEDOM MORTGAGE CORPORATION | $365,000 | $630,000 | 72.6% | 1.5% |
| Synovus Bank | $65,000 | $620,000 | 853.8% | 1.5% |
| INTERLINC MORTGAGE SERVICES, LLC | $1,070,000 | $605,000 | -43.5% | 1.5% |
| LOANDEPOT.COM, LLC | $520,000 | $605,000 | 16.3% | 1.5% |
| NEW DAY FINANCIAL, LLC | $590,000 | n/a | 1.4% | |
| ALL IN | $155,000 | $565,000 | 264.5% | 1.4% |
| Orion Federal Credit Union | $545,000 | n/a | 1.3% | |
| UNITED WHOLESALE MORTGAGE, LLC | $895,000 | $545,000 | -39.1% | 1.3% |
| TOWNE MORTGAGE COMPANY | $510,000 | n/a | 1.2% | |
| First State Bank of Blakely, Inc. | $570,000 | $500,000 | -12.3% | 1.2% |
| HNB First Bank | $360,000 | $490,000 | 36.1% | 1.2% |
| ZILLOW HOME LOANS, LLC | $165,000 | $470,000 | 184.8% | 1.1% |
| SOUTHPOINT FINANCIAL SERVICES, INC. | $465,000 | n/a | 1.1% | |
| Guardian Credit Union | $210,000 | $450,000 | 114.3% | 1.1% |
| CMG MORTGAGE, INC. | $395,000 | $390,000 | -1.3% | 1.0% |
| UNION HOME MORTGAGE CORP. | $330,000 | $375,000 | 13.6% | 0.9% |
| MOVEMENT MORTGAGE, LLC | $95,000 | $365,000 | 284.2% | 0.9% |
| BankPlus | $360,000 | n/a | 0.9% | |
| Troy Bank and Trust Company | $800,000 | $340,000 | -57.5% | 0.8% |
| Stifel Bank and Trust | $325,000 | n/a | 0.8% | |
| Northpointe Bank | $305,000 | n/a | 0.7% | |
| NBH Bank | $295,000 | n/a | 0.7% | |
| SOUTHWEST STAGE FUNDING, LLC | $295,000 | n/a | 0.7% | |
| LAKEVIEW LOAN SERVICING, LLC | $285,000 | n/a | 0.7% | |
| Hamilton Mortgage Corporation | $280,000 | n/a | 0.7% | |
| SOUTHWEST FUNDING, LP | $275,000 | n/a | 0.7% | |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $515,000 | $260,000 | -49.5% | 0.6% |
| CALCON MUTUAL MORTGAGE LLC | $255,000 | n/a | 0.6% | |
| Wells Fargo Bank | $255,000 | n/a | 0.6% | |
| NEWREZ LLC | $240,000 | n/a | 0.6% | |
| TRIAD FINANCIAL SERVICES, INC. | $240,000 | n/a | 0.6% | |
| Figure Lending LLC | $230,000 | n/a | 0.6% | |
| GSF Mortgage Corporation | $225,000 | n/a | 0.5% | |
| MORTGAGE INVESTORS GROUP, INC. | $550,000 | $215,000 | -60.9% | 0.5% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $185,000 | $195,000 | 5.4% | 0.5% |
| AMERITRUST MORTGAGE CORPORATION | $175,000 | n/a | 0.4% | |
| DELTA COMMUNITY CREDIT UNION | $165,000 | n/a | 0.4% | |
| ROYAL UNITED MORTGAGE LLC | $160,000 | n/a | 0.4% | |
| STOCKTON MORTGAGE CORPORATION | $160,000 | n/a | 0.4% | |
| CSL Financial, LLC | $125,000 | $155,000 | 24.0% | 0.4% |
| Magnolia Bank | $155,000 | n/a | 0.4% | |
| MEMBER FIRST MORTGAGE, LLC | $155,000 | n/a | 0.4% | |
| MidSouth Bank | $25,000 | $155,000 | 520.0% | 0.4% |
| BROKER SOLUTIONS, INC. | $135,000 | n/a | 0.3% | |
| ENVOY MORTGAGE, LTD | $125,000 | n/a | 0.3% | |
| AMERICAN FINANCIAL RESOURCES, INC. | $115,000 | n/a | 0.3% | |
| Assurance Financial Group, L.L.C. | $585,000 | $115,000 | -80.3% | 0.3% |
| ALABAMA STATE EMPLOYEES CREDIT UNION | $105,000 | n/a | 0.3% | |
| MILEND, INC. | $105,000 | n/a | 0.3% | |
| The First, A National Banking Association | $105,000 | n/a | 0.3% | |
| Ally Bank | $95,000 | n/a | 0.2% | |
| MUTUAL OF OMAHA MORTGAGE, INC. | $65,000 | $85,000 | 30.8% | 0.2% |
| Citizens Bank | $105,000 | $75,000 | -28.6% | 0.2% |
| Discover Bank | $260,000 | $65,000 | -75.0% | 0.2% |
| Bank of America | $35,000 | n/a | 0.1% | |
| Coastal Community Bank | $25,000 | n/a | 0.1% | |
| Truist | $160,000 | $25,000 | -84.4% | 0.1% |
Eufaula's top lender by overall market share is QUICKEN LOANS, LLC, with 9.0% market share. In second place, with 7.3%, is Renasant Bank, having originated $3,000,000 in loans. In third place, with 4.6%, is Mortgage Research Center, LLC, having originated $1,875,000 in loans. In fourth place, with 4.1%, is Five Star Credit Union, having originated $1,690,000 in loans. In fifth place, with 3.9%, is Trustmark National Bank, having originated $1,580,000 in loans.
Eufaula, AL-GA Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 144 | $25,070,000 | $174,097 |
| Refi | 52 | $7,930,000 | $152,500 |
| Other | 30 | $2,890,000 | $96,333 |
| Cash Out Refi | 25 | $4,055,000 | $162,200 |
| Home Improvement | 14 | $1,020,000 | $72,857 |
Eufaula's most frequently cited loan purpose was Home Purchase, with 144 originations. The 2nd most popular reason was Refi, with 52 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 78 | $14,670,000 | $188,077 |
| Over 8% | 78 | $7,240,000 | $92,821 |
| 7-8% | 61 | $10,105,000 | $165,656 |
| 5-6% | 23 | $5,025,000 | $218,478 |
| 4-5% | 4 | $780,000 | $195,000 |
| <2.5% | 1 | $215,000 | $215,000 |
| 3-4% | 1 | $95,000 | $95,000 |
During 2024, Eufaula's most frequently originated rate bucket was 6-7%, with 78 originations.
Loan Sizing (Eufaula, AL-GA MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $100k-200k | 100 | $13,820,000 | $138,200 |
| $100,000 or less | 97 | $6,065,000 | $62,526 |
| $200k-400k | 58 | $15,700,000 | $270,690 |
| $400k-600k | 8 | $3,970,000 | $496,250 |
| $600k-1000k | 2 | $1,410,000 | $705,000 |
Eufaula's loan sizing saw the bucket of loans from $100k-200k with 100 originations, totaling $13,820,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 108 | $21,070,000 | $195,093 |
| 60-80% | 55 | $8,855,000 | $161,000 |
| 20-40% | 36 | $3,040,000 | $84,444 |
| 40-60% | 21 | $2,795,000 | $133,095 |
| Under 20% | 18 | $700,000 | $38,889 |
| Over 100% | 5 | $1,345,000 | $269,000 |
Eufaula's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 108 originations, totaling $21,070,000 in origination value.