Ozark 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 Ozark averaged 7.08% for the week of 2023-11-30, compared to the national average of 7.22% for the same period.

    The average rate for the prior week (2023-11-22) was 7.15% and one month ago for the week of 2023-10-26, the average rate was 7.75%.

    Ozark's average rate one year ago was 6.24%.

    For refis of the same type during the week of 2023-11-30, the average rate was 7.22%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2023-11-30 7.22%
    Ozark 30 Year Fixed Rate 2023-11-30 7.08%
    Ozark 30 Year Fixed Rate Refi 2023-11-30 7.22%
    Ozark 15 Year Fixed Rate 2023-11-30 6.36%
    Ozark 15 Year Fixed Rate Refi 2023-11-30 6.46%
    Ozark 30 Year FHA 2023-11-30 6.65%
    Ozark 30 Year FHA Refi 2023-11-30 6.95%
    Ozark 30 Year USDA 2023-11-30 6.55%
    Ozark 30 Year USDA Refi 2023-11-30 7%
    Ozark 30 Year VA 2023-11-30 6.62%
    Ozark 30 Year VA Refi 2023-11-30 6.97%
    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Ozark, AL.

    Ozark 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 Ozark, 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.).

    Name # of Loans 2022 Avg. 30yFix Rate 2022 Avg. Closing Costs
    INTERLINC MORTGAGE SERVICES, LLC 16 4.60% $2,205
    QUICKEN LOANS, LLC 13 5.37% $5,610
    ENVOY MORTGAGE, LTD 12 5.63% $4,781
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 10 4.90% $3,255
    Hometown Lenders, Inc. 8 5.08% $4,077
    Renasant Bank 7 5.45% $4,526
    ServisFirst Bank 7 4.80% $5,044
    Wells Fargo Bank 7 3.70% $3,695
    NAVY FEDERAL CREDIT UNION 6 5.63% $2,630
    Mortgage Research Center, LLC 4 5.91% $3,324
    JPMorgan Chase Bank 4 5.09% $3,210
    MORTGAGE INVESTORS GROUP, INC. 3 5.46% $5,177
    PENNYMAC LOAN SERVICES, LLC 3 5.04% $3,388
    AMERICAN FINANCING CORPORATION 3 5.38% $4,866
    Regions Bank 3 4.67% $3,026
    Five Star Credit Union 3 5.38% $3,149
    River Bank & Trust 3 5.78% $4,339
    Ameris Bank 3 5.54% $5,030
    EUSTIS AND AMERICAN MORTGAGE COMPANY 3 6.88% $3,494
    Troy Bank and Trust Company 3 3.50% $3,075
    UNION HOME MORTGAGE CORP. 3 4.63% $4,109
    KELLER MORTGAGE, LLC 3 6.08% $4,191
    Waterstone Mortgage Corporation 3 4.92% $4,171
    Synovus Bank 2 5.19% $2,226
    PRIMARY RESIDENTIAL MORTGAGE, INC. 2 5.06% $4,062
    Ixonia Bank 2 6.31% $3,677
    Mr. Cooper ( Nationstar Mortgage ) 2 3.63% $5,006
    Trustmark National Bank 2 3.31% $3,250
    NEWREZ LLC 2 4.44% $3,578
    LOANDEPOT.COM, LLC 2 5.06% $4,393
    Discover Bank 2 5.25% $0
    GUILD MORTGAGE COMPANY 2 4.25% $3,777
    BankPlus 2 4.81% $6,136
    UNITED WHOLESALE MORTGAGE, LLC 2 3.81% $9,712
    CALIBER HOME LOANS, INC. 2 5.13% $4,884
    ZILLOW HOME LOANS, LLC 1 7.00% $3,701
    ALL IN 1 5.50% $3,485
    AMERISAVE MORTGAGE CORPORATION 1 4.13% $3,511
    BancorpSouth 1 5.25% $8,546
    BAY EQUITY LLC 1 4.75% $5,728
    Bryant Bank 1 3.00% $4,430
    CARDINAL FINANCIAL 1 5.88% $6,813
    CHURCHILL MORTGAGE CORPORATION 1 7.63% $3,684
    CMG MORTGAGE, INC. 1 3.25% $3,571
    Consumer First Mortgage, Inc. 1 5.50% $3,586
    CRESCENT MORTGAGE COMPANY 1 5.13% $2,566
    CROSSCOUNTRY MORTGAGE, LLC 1 3.25% $5,062
    FirstBank 1 2.75% $6,207
    Flagstar Bank, FSB 1 3.63% $6,135
    GMFS LLC 1 3.13% $2,009
    GUARANTEED RATE, INC. 1 6.88% $3,386
    GUIDANCE RESIDENTIAL, LLC 1 5.50% $4,801
    HOME POINT FINANCIAL CORPORATION 1 3.88% $5,146
    HOMESTAR FINANCIAL CORPORATION 1 6.13% $5,509
    Pinnacle Bank 1 4.88% $6,467
    PNC Bank 1 4.25% $2,746
    RESIDENTIAL WHOLESALE MORTGAGE, INC. 1 6.00% $4,687
    ROYAL UNITED MORTGAGE LLC 1 3.63% $5,484
    RUOFF MORTGAGE COMPANY, INC. 1 3.50% $2,400
    SHELTER HOME MORTGAGE, LLC 1 3.88% $3,535
    Signature Federal Credit Union 1 6.00% $4,263
    SmartBank 1 3.75% $3,064
    SOUTHPOINT FINANCIAL SERVICES, INC. 1 5.00% $5,847
    South State Bank 1 5.38% $3,408
    SUMMIT FUNDING, INC. 1 4.99% $6,789
    TJC Mortgage, Inc. 1 4.75% $3,525
    TOWNE MORTGAGE COMPANY 1 4.75% $12,162
    Tyndall Federal Credit Union 1 3.88% $2,063
    USAA Federal Savings Bank 1 6.00% $2,579
    21ST MORTGAGE CORPORATION 1 7.50% $6,566

    Ozark Average Closing Costs & Other Stats

    Ozark, AL's 70 lenders originated 1,005 loans during 2022. The total origination value was $170,665,000, with an average loan value of $169,816.

    Ozark's average closing costs are $4,130.

    The top Ozark lender as defined by loan originations is INTERLINC MORTGAGE SERVICES, LLC, with 16 loans originated. Their average total fees are $2,205, which is $3,405 lower than the next largest lender, QUICKEN LOANS, LLC.

    The lowest fee Ozark lenders (with over 10 loans originated) are INTERLINC MORTGAGE SERVICES, LLC ($2,205), FAIRWAY INDEPENDENT MORTGAGE CORPORATION ($3,255), ENVOY MORTGAGE, LTD ($4,781), QUICKEN LOANS, LLC ($5,610) and .

    The lowest rate Ozark lenders (with over 10 loans originated) are INTERLINC MORTGAGE SERVICES, LLC (4.60%), FAIRWAY INDEPENDENT MORTGAGE CORPORATION (4.90%), QUICKEN LOANS, LLC (5.37%), ENVOY MORTGAGE, LTD (5.63%) and .

    Ozark, 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 2021 Loan Value 2022 Loan Value % Change 2022 Market Share
    Mortgage Research Center, LLC $29,055,000 $19,460,000 -33.0% 11.4%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $11,985,000 $12,130,000 1.2% 7.1%
    QUICKEN LOANS, LLC $17,650,000 $10,805,000 -38.8% 6.3%
    ALL IN $1,010,000 $9,955,000 885.6% 5.8%
    Troy Bank and Trust Company $1,205,000 $8,915,000 639.8% 5.2%
    INTERLINC MORTGAGE SERVICES, LLC $13,535,000 $8,495,000 -37.2% 5.0%
    ENVOY MORTGAGE, LTD $6,355,000 $7,725,000 21.6% 4.5%
    Hometown Lenders, Inc. $7,040,000 $5,105,000 -27.5% 3.0%
    PENNYMAC LOAN SERVICES, LLC $6,800,000 $4,820,000 -29.1% 2.8%
    USAA Federal Savings Bank $3,365,000 $4,540,000 34.9% 2.7%
    PeoplesSouth Bank $4,400,000 $4,495,000 2.2% 2.6%
    NAVY FEDERAL CREDIT UNION $4,410,000 $4,370,000 -0.9% 2.6%
    River Bank & Trust $380,000 $3,950,000 939.5% 2.3%
    Renasant Bank $10,375,000 $3,715,000 -64.2% 2.2%
    ServisFirst Bank $795,000 $2,600,000 227.0% 1.5%
    LOANDEPOT.COM, LLC $3,125,000 $2,345,000 -25.0% 1.4%
    First Federal Bank $135,000 $2,210,000 1,537.0% 1.3%
    Wells Fargo Bank $5,585,000 $2,190,000 -60.8% 1.3%
    Ameris Bank $3,455,000 $1,980,000 -42.7% 1.2%
    Synovus Bank $2,185,000 $1,795,000 -17.8% 1.1%
    21ST MORTGAGE CORPORATION $2,380,000 $1,555,000 -34.7% 0.9%
    Capital City Bank $1,510,000 n/a 0.9%
    KELLER MORTGAGE, LLC $300,000 $1,375,000 358.3% 0.8%
    PRIMARY RESIDENTIAL MORTGAGE, INC. $1,315,000 $1,355,000 3.0% 0.8%
    Five Star Credit Union $3,840,000 $1,325,000 -65.5% 0.8%
    Regions Bank $1,780,000 $1,275,000 -28.4% 0.7%
    Mr. Cooper ( Nationstar Mortgage ) $2,160,000 $1,240,000 -42.6% 0.7%
    Mid-Continent Funding, Inc. $360,000 $1,105,000 206.9% 0.6%
    Barrington Bank & Trust Company, N.A. $510,000 $1,025,000 101.0% 0.6%
    The First National Bank of Hartford $650,000 $1,015,000 56.2% 0.6%
    UNION HOME MORTGAGE CORP. $820,000 $985,000 20.1% 0.6%
    MORTGAGE INVESTORS GROUP, INC. $565,000 $980,000 73.5% 0.6%
    Ixonia Bank $155,000 $960,000 519.4% 0.6%
    HOMESTAR FINANCIAL CORPORATION $955,000 n/a 0.6%
    FirstBank $1,545,000 $945,000 -38.8% 0.6%
    AMERISAVE MORTGAGE CORPORATION $1,600,000 $900,000 -43.8% 0.5%
    HOME POINT FINANCIAL CORPORATION $310,000 $895,000 188.7% 0.5%
    PRIMELENDING, A PLAINSCAPITAL COMPANY $340,000 $870,000 155.9% 0.5%
    Nations Lending Corporation $2,510,000 $845,000 -66.3% 0.5%
    NEW DAY FINANCIAL, LLC $2,115,000 $840,000 -60.3% 0.5%
    AMERICAN FINANCING CORPORATION $470,000 $820,000 74.5% 0.5%
    GUILD MORTGAGE COMPANY $3,575,000 $760,000 -78.7% 0.4%
    Tyndall Federal Credit Union $3,035,000 $735,000 -75.8% 0.4%
    GUARANTEED RATE, INC. $1,405,000 $705,000 -49.8% 0.4%
    CALIBER HOME LOANS, INC. $1,935,000 $670,000 -65.4% 0.4%
    BankPlus $635,000 n/a 0.4%
    TJC Mortgage, Inc. $615,000 n/a 0.4%
    PNC Bank $300,000 $605,000 101.7% 0.4%
    First South Farm Credit, ACA $595,000 $585,000 -1.7% 0.3%
    Trustmark National Bank $560,000 $545,000 -2.7% 0.3%
    UNITED WHOLESALE MORTGAGE, LLC $655,000 $525,000 -19.8% 0.3%
    Guardian Credit Union $520,000 n/a 0.3%
    JPMorgan Chase Bank $190,000 $520,000 173.7% 0.3%
    Armed Forces Bank $510,000 n/a 0.3%
    CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $3,655,000 $510,000 -86.0% 0.3%
    Flagstar Bank, FSB $775,000 $500,000 -35.5% 0.3%
    FREEDOM MORTGAGE CORPORATION $12,485,000 $495,000 -96.0% 0.3%
    BancorpSouth Bank $485,000 n/a 0.3%
    CROSSCOUNTRY MORTGAGE, LLC $815,000 $460,000 -43.6% 0.3%
    NEWREZ LLC $1,280,000 $460,000 -64.1% 0.3%
    First Southern Bank $450,000 n/a 0.3%
    PENTAGON FEDERAL CREDIT UNION $635,000 $430,000 -32.3% 0.3%
    LAKEVIEW LOAN SERVICING, LLC $3,425,000 $395,000 -88.5% 0.2%
    GENEVA FINANCIAL, LLC $390,000 n/a 0.2%
    FINANCE OF AMERICA MORTGAGE LLC $370,000 n/a 0.2%
    MAX Credit Union $195,000 $365,000 87.2% 0.2%
    BROKER SOLUTIONS, INC. $565,000 $360,000 -36.3% 0.2%
    CHURCHILL MORTGAGE CORPORATION $290,000 $350,000 20.7% 0.2%
    T2 FINANCIAL LLC $350,000 n/a 0.2%
    HOMEBRIDGE FINANCIAL SERVICES, INC. $175,000 $345,000 97.1% 0.2%
    Blue Ridge Bank $315,000 n/a 0.2%
    CONTOUR MORTGAGE CORPORATION $315,000 n/a 0.2%
    EUSTIS AND AMERICAN MORTGAGE COMPANY $315,000 n/a 0.2%
    ZILLOW HOME LOANS, LLC $115,000 $310,000 169.6% 0.2%
    Texana Bank $305,000 n/a 0.2%
    Waterstone Mortgage Corporation $385,000 $305,000 -20.8% 0.2%
    GUIDANCE RESIDENTIAL, LLC $300,000 n/a 0.2%
    Hamilton Mortgage Corporation $2,105,000 $295,000 -86.0% 0.2%
    MORTGAGE SOLUTIONS OF COLORADO, LLC $155,000 $285,000 83.9% 0.2%
    TOWNE MORTGAGE COMPANY $285,000 n/a 0.2%
    S1L, Inc. $280,000 n/a 0.2%
    TRIAD FINANCIAL SERVICES, INC. $445,000 $280,000 -37.1% 0.2%
    Pinnacle Bank $275,000 n/a 0.2%
    Discover Bank $45,000 $270,000 500.0% 0.2%
    MOVEMENT MORTGAGE, LLC $265,000 $270,000 1.9% 0.2%
    Core Bank $265,000 n/a 0.2%
    SOUTHWEST FUNDING, LP $245,000 n/a 0.1%
    GMFS LLC $225,000 $240,000 6.7% 0.1%
    HOMESIDE FINANCIAL, LLC $265,000 $225,000 -15.1% 0.1%
    ROYAL UNITED MORTGAGE LLC $280,000 $225,000 -19.6% 0.1%
    Bank of America $215,000 n/a 0.1%
    AMERICAN PACIFIC MORTGAGE CORPORATION $145,000 $210,000 44.8% 0.1%
    RUOFF MORTGAGE COMPANY, INC. $210,000 n/a 0.1%
    AMERICAN HERITAGE LENDING, INC. $200,000 n/a 0.1%
    Consumer First Mortgage, Inc. $455,000 $200,000 -56.0% 0.1%
    CMG MORTGAGE, INC. $125,000 $195,000 56.0% 0.1%
    SUMMIT FUNDING, INC. $195,000 n/a 0.1%
    CRESCENT MORTGAGE COMPANY $135,000 $175,000 29.6% 0.1%
    RESIDENTIAL WHOLESALE MORTGAGE, INC. $175,000 n/a 0.1%
    AVADIAN $535,000 $170,000 -68.2% 0.1%
    CSL Financial, LLC $115,000 $170,000 47.8% 0.1%
    Bank of England $165,000 $165,000 0.0% 0.1%
    NETWORK CAPITAL FUNDING CORPORATION $105,000 $165,000 57.1% 0.1%
    SmartBank $165,000 n/a 0.1%
    SOUTHPOINT FINANCIAL SERVICES, INC. $160,000 n/a 0.1%
    South State Bank $35,000 $160,000 357.1% 0.1%
    ARK-LA-TEX FINANCIAL SERVICES, LLC. $155,000 n/a 0.1%
    LIBERTY HOME MORTGAGE CORPORATION $155,000 n/a 0.1%
    SOUTHEAST MORTGAGE OF GEORGIA, INC. $155,000 n/a 0.1%
    AMERICAN FINANCIAL RESOURCES, INC. $395,000 $145,000 -63.3% 0.1%
    Bryant Bank $145,000 n/a 0.1%
    CIS Financial Services, Inc. $145,000 n/a 0.1%
    Northpointe Bank $225,000 $145,000 -35.6% 0.1%
    RESIDENTIAL BANCORP. $145,000 n/a 0.1%
    Carrington Mortgage Services, LLC $675,000 $140,000 -79.3% 0.1%
    BAY EQUITY LLC $305,000 $135,000 -55.7% 0.1%
    Citizens Bank $400,000 $135,000 -66.3% 0.1%
    RELIANCE FIRST CAPITAL, LLC $290,000 $125,000 -56.9% 0.1%
    SHELTER HOME MORTGAGE, LLC $125,000 n/a 0.1%
    NATIONWIDE MORTGAGE BANKERS, INC. $115,000 n/a 0.1%
    The Samson Banking Company, Inc. $115,000 n/a 0.1%
    VANDERBILT MORTGAGE AND FINANCE, INC. $80,000 $105,000 31.3% 0.1%
    VILLAGE CAPITAL MORTGAGE $1,170,000 $105,000 -91.0% 0.1%
    Signature Federal Credit Union $95,000 n/a 0.1%
    SOUTHWEST STAGE FUNDING, LLC $95,000 n/a 0.1%
    Assurance Financial Group, L.L.C. $85,000 n/a 0.0%
    MUTUAL OF OMAHA MORTGAGE, INC. $85,000 n/a 0.0%
    PLANET HOME LENDING, LLC $75,000 $85,000 13.3% 0.0%
    Equity Prime Mortgage LLC $65,000 $75,000 15.4% 0.0%
    CCB Community Bank $65,000 n/a 0.0%
    Alabama One Credit Union $55,000 n/a 0.0%
    APCO EMPLOYEES $705,000 $55,000 -92.2% 0.0%
    LIMA ONE CAPITAL, LLC $55,000 n/a 0.0%
    Figure Lending LLC $115,000 $45,000 -60.9% 0.0%
    Truist $465,000 $25,000 -94.6% 0.0%

    Ozark's top lender by overall market share is Mortgage Research Center, LLC, with 11.4% market share. In second place, with 7.1%, is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, having originated $12,130,000 in loans. In third place, with 6.3%, is QUICKEN LOANS, LLC, having originated $10,805,000 in loans. In fourth place, with 5.8%, is ALL IN, having originated $9,955,000 in loans. In fifth place, with 5.2%, is Troy Bank and Trust Company, having originated $8,915,000 in loans.

    Ozark Housing Market Trends (Median, Average Prices & Listing Count)

    Realtor.com - Ozark (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 $125,225 (2.5%) $151,465 (1.2%) 0.00 218
    2018-02-01 $119,925 (-4.2%) $155,723 (-1.3%) 0.00 231
    2018-03-01 $125,000 (-11.0%) $157,818 (-3.1%) 0.00 222
    2018-04-01 $125,600 (-10.3%) $153,969 (-6.6%) 0.00 239
    2018-05-01 $134,625 (-0.3%) $159,854 (2.8%) 0.00 277
    2018-06-01 $135,000 (5.4%) $160,210 (3.8%) 0.00 237
    2018-07-01 $134,875 (4.2%) $160,913 (2.8%) 0.00 240
    2018-08-01 $130,000 (5.3%) $163,891 (11.3%) 0.00 236
    2018-09-01 $125,950 (0.8%) $157,060 (7.2%) 0.00 237
    2018-10-01 $128,200 (6.9%) $157,750 (5.3%) 0.00 245
    2018-11-01 $122,400 (2.0%) $152,406 (1.0%) 0.00 242
    2018-12-01 $120,000 (-3.8%) $152,060 (1.7%) 0.00 247
    2019-01-01 $119,900 (-4.3%) $142,646 (-5.8%) 0.00 246
    2019-02-01 $120,000 (0.1%) $143,701 (-7.7%) 0.00 235
    2019-03-01 $129,286 (3.4%) $156,029 (-1.1%) 0.00 214
    2019-04-01 $138,675 (10.4%) $169,010 (9.8%) 0.00 195
    2019-05-01 $136,450 (1.4%) $169,800 (6.2%) 0.00 185
    2019-06-01 $134,400 (-0.4%) $168,605 (5.2%) 0.00 199
    2019-07-01 $134,721 (-0.1%) $174,469 (8.4%) 0.00 187
    2019-08-01 $133,207 (2.5%) $177,766 (8.5%) 0.00 183
    2019-09-01 $131,347 (4.3%) $175,418 (11.7%) 0.00 188
    2019-10-01 $129,925 (1.4%) $175,320 (11.1%) 0.00 189
    2019-11-01 $129,700 (6.0%) $177,364 (16.4%) 0.00 184
    2019-12-01 $130,850 (9.0%) $176,382 (16.0%) 0.00 167
    2020-01-01 $139,000 (15.9%) $182,110 (27.7%) 0.00 160
    2020-02-01 $139,900 (16.6%) $176,706 (23.0%) 0.00 164
    2020-03-01 $147,475 (14.1%) $184,801 (18.4%) 0.00 159
    2020-04-01 $148,450 (7.1%) $187,070 (10.7%) 0.00 153
    2020-05-01 $149,900 (9.9%) $182,347 (7.4%) 0.00 134
    2020-06-01 $146,175 (8.8%) $186,979 (10.9%) 0.00 125
    2020-07-01 $131,500 (-2.4%) $177,927 (2.0%) 0.00 112
    2020-08-01 $149,900 (12.5%) $187,707 (5.6%) 0.00 112
    2020-09-01 $149,225 (13.6%) $194,843 (11.1%) 0.00 100
    2020-10-01 $156,250 (20.3%) $199,265 (13.7%) 0.00 92
    2020-11-01 $147,700 (13.9%) $186,755 (5.3%) 0.00 83
    2020-12-01 $146,825 (12.2%) $180,667 (2.4%) 0.00 80
    2021-01-01 $149,950 (7.9%) $166,205 (-8.7%) 0.00 71
    2021-02-01 $154,475 (10.4%) $177,677 (0.6%) 0.00 68
    2021-03-01 $159,475 (8.1%) $193,300 (4.6%) 0.00 63
    2021-04-01 $163,950 (10.4%) $200,029 (6.9%) 0.00 65
    2021-05-01 $161,500 (7.7%) $224,697 (23.2%) 0.00 58
    2021-06-01 $165,000 (12.9%) $252,379 (35.0%) 0.00 48
    2021-07-01 $159,950 (21.6%) $264,117 (48.4%) 0.00 56
    2021-08-01 $148,875 (-0.7%) $231,597 (23.4%) 0.00 65
    2021-09-01 $140,000 (-6.2%) $214,938 (10.3%) 0.00 62
    2021-10-01 $139,000 (-11.0%) $190,481 (-4.4%) 0.00 59
    2021-11-01 $146,625 (-0.7%) $204,673 (9.6%) 0.00 49
    2021-12-01 $163,750 (11.5%) $187,661 (3.9%) 0.00 44
    2022-01-01 $140,000 (-6.6%) $179,678 (8.1%) 0.00 49
    2022-02-01 $144,375 (-6.5%) $211,143 (18.8%) 0.00 51
    2022-03-01 $150,250 (-5.8%) $227,104 (17.5%) 0.00 44
    2022-04-01 $180,000 (9.8%) $235,338 (17.7%) 0.00 51
    2022-05-01 $171,000 (5.9%) $239,215 (6.5%) 0.00 58
    2022-06-01 $183,000 (10.9%) $242,751 (-3.8%) 0.00 67
    2022-07-01 $190,000 (18.8%) $265,264 (0.4%) 0.00 68
    2022-08-01 $191,200 (28.4%) $251,416 (8.6%) 0.00 80
    2022-09-01 $167,250 (19.5%) $224,108 (4.3%) 0.00 79
    2022-10-01 $175,000 (25.9%) $227,767 (19.6%) 0.00 89
    2022-11-01 $193,600 (32.0%) $240,925 (17.7%) 0.00 79
    2022-12-01 $207,450 (26.7%) $243,972 (30.0%) 0.00 72
    2023-01-01 $215,825 (54.2%) $260,328 (44.9%) 0.00 66
    2023-02-01 $208,625 (44.5%) $260,847 (23.5%) 0.00 57
    2023-03-01 $191,000 (27.1%) $260,825 (14.9%) 0.00 53
    2023-04-01 $225,900 (25.5%) $273,225 (16.1%) 0.00 50
    2023-05-01 $229,950 (34.5%) $285,627 (19.4%) 0.00 55
    2023-06-01 $222,900 (21.8%) $293,469 (20.9%) 0.00 60
    2023-07-01 $225,000 (18.4%) $292,097 (10.1%) 0.00 61
    2023-08-01 $212,300 (11.0%) $267,958 (6.6%) 0.00 61
    2023-09-01 $185,000 (10.6%) $240,556 (7.3%) 0.00 70
    2023-10-01 $193,500 (10.6%) $240,792 (5.7%) 0.00 80
    2023-11-01 $179,450 (-7.3%) $235,394 (-2.3%) 0.00 84
    Ozark's median listing price for 2023-11-01 was $179,450, a difference of $-14,150 (-7.3%) versus the prior year and $-14,050 versus the prior month.

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

    Ozark's average listing price for 2023-11-01 was $235,394, a difference of $-5,531 (-2.3%) versus the prior year and $-5,398 versus the prior month.

    For the 2023-11-01 period, Ozark had 84 MLS listings, a difference of 4 listings (5%) versus the prior month and 5 listings (6%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Ozark (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,716 sqft
    2018-02-01 0 days 1,674 sqft
    2018-03-01 0 days 1,701 sqft
    2018-04-01 0 days 1,686 sqft
    2018-05-01 0 days 1,746 sqft
    2018-06-01 0 days 1,736 sqft
    2018-07-01 0 days 1,771 sqft
    2018-08-01 0 days 1,796 sqft
    2018-09-01 0 days 1,776 sqft
    2018-10-01 0 days 1,758 sqft
    2018-11-01 0 days 1,712 sqft
    2018-12-01 0 days 1,675 sqft
    2019-01-01 0 days 1,619 sqft
    2019-02-01 0 days 1,632 sqft
    2019-03-01 0 days 1,695 sqft
    2019-04-01 0 days 1,764 sqft
    2019-05-01 0 days 1,768 sqft
    2019-06-01 0 days 1,744 sqft
    2019-07-01 0 days 1,757 sqft
    2019-08-01 0 days 1,769 sqft
    2019-09-01 0 days 1,793 sqft
    2019-10-01 0 days 1,781 sqft
    2019-11-01 0 days 1,704 sqft
    2019-12-01 0 days 1,734 sqft
    2020-01-01 0 days 1,736 sqft
    2020-02-01 0 days 1,743 sqft
    2020-03-01 0 days 1,787 sqft
    2020-04-01 0 days 1,814 sqft
    2020-05-01 0 days 1,741 sqft
    2020-06-01 0 days 1,730 sqft
    2020-07-01 0 days 1,700 sqft
    2020-08-01 0 days 1,820 sqft
    2020-09-01 0 days 1,760 sqft
    2020-10-01 0 days 1,848 sqft
    2020-11-01 0 days 1,767 sqft
    2020-12-01 0 days 1,754 sqft
    2021-01-01 0 days 1,770 sqft
    2021-02-01 0 days 1,767 sqft
    2021-03-01 0 days 1,718 sqft
    2021-04-01 0 days 1,725 sqft
    2021-05-01 0 days 1,804 sqft
    2021-06-01 0 days 1,885 sqft
    2021-07-01 0 days 1,794 sqft
    2021-08-01 0 days 1,686 sqft
    2021-09-01 0 days 1,635 sqft
    2021-10-01 0 days 1,604 sqft
    2021-11-01 0 days 1,654 sqft
    2021-12-01 0 days 1,619 sqft
    2022-01-01 0 days 1,588 sqft
    2022-02-01 0 days 1,595 sqft
    2022-03-01 0 days 1,638 sqft
    2022-04-01 0 days 1,850 sqft
    2022-05-01 0 days 1,640 sqft
    2022-06-01 0 days 1,719 sqft
    2022-07-01 0 days 2,020 sqft
    2022-08-01 0 days 1,986 sqft
    2022-09-01 0 days 1,649 sqft
    2022-10-01 0 days 1,666 sqft
    2022-11-01 0 days 1,758 sqft
    2022-12-01 0 days 1,793 sqft
    2023-01-01 0 days 1,946 sqft
    2023-02-01 0 days 2,014 sqft
    2023-03-01 0 days 2,096 sqft
    2023-04-01 0 days 2,154 sqft
    2023-05-01 0 days 2,232 sqft
    2023-06-01 0 days 2,192 sqft
    2023-07-01 0 days 2,106 sqft
    2023-08-01 0 days 1,995 sqft
    2023-09-01 0 days 1,707 sqft
    2023-10-01 0 days 1,745 sqft
    2023-11-01 0 days 1,703 sqft
    Ozark's median listing age (time on market) for 2023-11-01 was 0 days.

    Ozark's median square footage for active listings during the 2023-11-01 period was 1,703 sqft. One year prior, the average listing was 1,758 sqft.

    Ozark, AL Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 641 $117,895,000 $183,924
    Cash Out Refi 157 $22,895,000 $145,828
    Refi 107 $22,395,000 $209,299
    Other 52 $3,410,000 $65,577
    Home Improvement 48 $4,070,000 $84,792

    Ozark's most frequently cited loan purpose was Home Purchase, with 641 originations. The 2nd most popular reason was Cash Out Refi, with 157 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    5-6% 285 $50,145,000 $175,947
    3-4% 203 $40,585,000 $199,926
    4-5% 200 $35,340,000 $176,700
    6-7% 146 $22,120,000 $151,507
    7-8% 52 $5,430,000 $104,423
    2.5-3% 48 $9,150,000 $190,625
    Over 8% 30 $2,250,000 $75,000
    <2.5% 25 $3,995,000 $159,800

    During 2022, Ozark's most frequently originated rate bucket was 5-6%, with 285 originations.

    Loan Sizing (Ozark, AL MSA)

    Loan Size Originations Total Value Average Loan
    $100k-200k 425 $62,225,000 $146,412
    $100,000 or less 307 $18,475,000 $60,179
    $200k-400k 231 $61,925,000 $268,074
    $400k-600k 36 $16,960,000 $471,111
    $600k-1000k 3 $2,165,000 $721,667
    $Over $1MM 3 $8,915,000 $2,971,667

    Ozark's loan sizing saw the bucket of loans from $100k-200k with 425 originations, totaling $62,225,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 552 $106,360,000 $192,681
    60-80% 203 $29,695,000 $146,281
    40-60% 76 $13,980,000 $183,947
    20-40% 55 $5,165,000 $93,909
    Under 20% 55 $2,165,000 $39,364
    Over 100% 41 $10,685,000 $260,610

    Ozark's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 552 originations, totaling $106,360,000 in origination value.