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 6.87% for the week of 2024-12-12, compared to the national average of 6.6% for the same period.

    The average rate for the prior week (2024-12-05) was 6.76% and one month ago for the week of 2024-11-07, the average rate was 6.96%.

    Ozark's average rate one year ago was 7.1%.

    For refis of the same type during the week of 2024-12-12, the average rate was 6.8%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2024-12-12 6.6%
    Ozark 30 Year Fixed Rate 2024-12-12 6.87%
    Ozark 30 Year Fixed Rate Refi 2024-12-12 6.8%
    Ozark 15 Year Fixed Rate 2024-12-12 5.64%
    Ozark 15 Year Fixed Rate Refi 2024-12-12 6.34%
    Ozark 30 Year FHA 2024-12-12 6.03%
    Ozark 30 Year FHA Refi 2024-12-12 6.38%
    Ozark 30 Year USDA 2024-12-12 6.3%
    Ozark 30 Year USDA Refi 2024-12-12 6.3%
    Ozark 30 Year VA 2024-12-12 6.23%
    Ozark 30 Year VA Refi 2024-12-12 6.28%
    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 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    QUICKEN LOANS, LLC 15 7.01% $5,760
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 13 6.87% $5,157
    River Bank & Trust 8 7.12% $4,896
    NAVY FEDERAL CREDIT UNION 6 6.38% $4,765
    South State Bank 6 6.67% $4,727
    PENNYMAC LOAN SERVICES, LLC 5 6.52% $4,497
    Renasant Bank 5 6.20% $5,922
    UNITED WHOLESALE MORTGAGE, LLC 3 7.42% $3,716
    Mortgage Research Center, LLC 3 6.42% $3,202
    INTERLINC MORTGAGE SERVICES, LLC 3 7.04% $4,849
    ALL IN 3 6.42% $0
    CARDINAL FINANCIAL 2 7.94% $4,053
    DELMAR FINANCIAL COMPANY 2 7.56% $4,161
    ENVOY MORTGAGE, LTD 2 7.00% $5,179
    Truist 2 6.36% $4,624
    Trustmark National Bank 2 7.06% $4,129
    VANDERBILT MORTGAGE AND FINANCE, INC. 2 7.31% $7,443
    GUIDANCE RESIDENTIAL, LLC 1 6.50% $3,188
    GUILD MORTGAGE COMPANY 1 5.63% $3,847
    Gulf Winds Credit Union 1 4.65% $2,716
    HOMESTAR FINANCIAL CORPORATION 1 5.88% $2,808
    Capital City Home Loans, LLC 1 7.13% $3,146
    Ixonia Bank 1 6.38% $4,045
    JPMorgan Chase Bank 1 5.88% $2,324
    Metro City Bank 1 7.38% $5,337
    BROKER SOLUTIONS, INC. 1 8.13% $6,940
    Mr. Cooper ( Nationstar Mortgage ) 1 7.88% $3,743
    Baxter Credit Union 1 5.63% $5,348
    AVADIAN 1 6.25% $2,617
    PLANET HOME LENDING, LLC 1 7.38% $4,584
    Assurance Financial Group, L.L.C. 1 6.13% $2,705
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 7.63% $5,249
    Ameris Bank 1 6.25% $3,682
    ROYAL UNITED MORTGAGE LLC 1 7.25% $9,115
    ServisFirst Bank 1 5.50% $4,846
    SmartBank 1 7.63% $3,220
    AMERISAVE MORTGAGE CORPORATION 1 6.38% $8,734
    STOCKTON MORTGAGE CORPORATION 1 7.88% $4,417
    Synovus Bank 1 6.50% $3,411
    TJC Mortgage, Inc. 1 6.88% $6,341
    Troy Bank and Trust Company 1 6.68% $1,993
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 1 7.49% $7,549
    ZILLOW HOME LOANS, LLC 1 6.63% $3,489
    UNION HOME MORTGAGE CORP. 1 7.25% $2,846
    Consumer First Mortgage, Inc. 1 5.99% $8,596
    Five Star Credit Union 1 6.57% $3,776
    FREEDOM MORTGAGE CORPORATION 1 7.63% $4,779

    Ozark Average Closing Costs & Other Stats

    Ozark, AL's 47 lenders originated 734 loans during 2023. The total origination value was $117,720,000, with an average loan value of $160,381.

    Ozark's average closing costs are $4,336.

    The top Ozark lender as defined by loan originations is QUICKEN LOANS, LLC, with 15 loans originated. Their average total fees are $5,760, which is $603 higher than the next largest lender, FAIRWAY INDEPENDENT MORTGAGE CORPORATION.

    The lowest fee Ozark lenders (with over 10 loans originated) are FAIRWAY INDEPENDENT MORTGAGE CORPORATION ($5,157), QUICKEN LOANS, LLC ($5,760), .

    The lowest rate Ozark lenders (with over 10 loans originated) are FAIRWAY INDEPENDENT MORTGAGE CORPORATION (6.87%), QUICKEN LOANS, LLC (7.01%), .

    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 2022 Loan Value 2023 Loan Value % Change 2023 Market Share
    Mortgage Research Center, LLC $19,460,000 $11,310,000 -41.9% 9.6%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $12,130,000 $10,635,000 -12.3% 9.0%
    ENVOY MORTGAGE, LTD $7,725,000 $8,090,000 4.7% 6.9%
    ALL IN $9,955,000 $7,005,000 -29.6% 6.0%
    QUICKEN LOANS, LLC $10,805,000 $6,225,000 -42.4% 5.3%
    River Bank & Trust $3,950,000 $5,645,000 42.9% 4.8%
    PENNYMAC LOAN SERVICES, LLC $4,820,000 $4,410,000 -8.5% 3.7%
    Renasant Bank $3,715,000 $3,435,000 -7.5% 2.9%
    NAVY FEDERAL CREDIT UNION $4,370,000 $3,320,000 -24.0% 2.8%
    MOVEMENT MORTGAGE, LLC $270,000 $3,115,000 1,053.7% 2.6%
    UNITED WHOLESALE MORTGAGE, LLC $525,000 $2,445,000 365.7% 2.1%
    INTERLINC MORTGAGE SERVICES, LLC $8,495,000 $2,135,000 -74.9% 1.8%
    Troy Bank and Trust Company $8,915,000 $2,030,000 -77.2% 1.7%
    PeoplesSouth Bank $4,495,000 $1,830,000 -59.3% 1.6%
    Synovus Bank $1,795,000 $1,485,000 -17.3% 1.3%
    21ST MORTGAGE CORPORATION $1,555,000 $1,280,000 -17.7% 1.1%
    South State Bank $160,000 $1,240,000 675.0% 1.1%
    Ameris Bank $1,980,000 $1,205,000 -39.1% 1.0%
    AVADIAN $170,000 $1,185,000 597.1% 1.0%
    ServisFirst Bank $2,600,000 $1,170,000 -55.0% 1.0%
    FREEDOM MORTGAGE CORPORATION $495,000 $1,165,000 135.4% 1.0%
    Tyndall Federal Credit Union $735,000 $1,125,000 53.1% 1.0%
    LENDINGHOME FUNDING CORPORATION $1,100,000 n/a 0.9%
    NEW DAY FINANCIAL, LLC $840,000 $1,095,000 30.4% 0.9%
    UNION HOME MORTGAGE CORP. $985,000 $1,070,000 8.6% 0.9%
    BROKER SOLUTIONS, INC. $360,000 $1,060,000 194.4% 0.9%
    NEWREZ LLC $460,000 $1,020,000 121.7% 0.9%
    CROSSCOUNTRY MORTGAGE, LLC $460,000 $985,000 114.1% 0.8%
    Mr. Cooper ( Nationstar Mortgage ) $1,240,000 $985,000 -20.6% 0.8%
    Five Star Credit Union $1,325,000 $925,000 -30.2% 0.8%
    VANDERBILT MORTGAGE AND FINANCE, INC. $105,000 $910,000 766.7% 0.8%
    Trustmark National Bank $545,000 $865,000 58.7% 0.7%
    USAA Federal Savings Bank $4,540,000 $850,000 -81.3% 0.7%
    MUTUAL OF OMAHA MORTGAGE, INC. $85,000 $845,000 894.1% 0.7%
    GUARANTEED RATE, INC. $705,000 $830,000 17.7% 0.7%
    MORTGAGE SOLUTIONS OF COLORADO, LLC $285,000 $800,000 180.7% 0.7%
    AMERICAN FINANCIAL RESOURCES, INC. $145,000 $790,000 444.8% 0.7%
    The First National Bank of Hartford $1,015,000 $725,000 -28.6% 0.6%
    First Federal Bank $2,210,000 $715,000 -67.6% 0.6%
    First South Farm Credit, ACA $585,000 $695,000 18.8% 0.6%
    CARDINAL FINANCIAL $510,000 $685,000 34.3% 0.6%
    Regions Bank $1,275,000 $675,000 -47.1% 0.6%
    HNB First Bank $670,000 n/a 0.6%
    APCO EMPLOYEES $55,000 $540,000 881.8% 0.5%
    AMERISAVE MORTGAGE CORPORATION $900,000 $535,000 -40.6% 0.5%
    STOCKTON MORTGAGE CORPORATION $520,000 n/a 0.4%
    PENTAGON FEDERAL CREDIT UNION $430,000 $515,000 19.8% 0.4%
    Flagstar Bank, FSB $500,000 $495,000 -1.0% 0.4%
    LOANDEPOT.COM, LLC $2,345,000 $485,000 -79.3% 0.4%
    Assurance Financial Group, L.L.C. $85,000 $455,000 435.3% 0.4%
    RELIANCE FIRST CAPITAL, LLC $125,000 $430,000 244.0% 0.4%
    Consumer First Mortgage, Inc. $200,000 $410,000 105.0% 0.3%
    Wells Fargo Bank $2,190,000 $395,000 -82.0% 0.3%
    PRIMELENDING, A PLAINSCAPITAL COMPANY $870,000 $390,000 -55.2% 0.3%
    Prosperity Home Mortgage, LLC $390,000 n/a 0.3%
    Truist $25,000 $390,000 1,460.0% 0.3%
    Barrington Bank & Trust Company, N.A. $1,025,000 $360,000 -64.9% 0.3%
    TJC Mortgage, Inc. $615,000 $360,000 -41.5% 0.3%
    FBC MORTGAGE, LLC $355,000 n/a 0.3%
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $345,000 n/a 0.3%
    PNC Bank $605,000 $335,000 -44.6% 0.3%
    FirstBank $945,000 $330,000 -65.1% 0.3%
    Plains Commerce Bank $330,000 n/a 0.3%
    Bank of England $165,000 $315,000 90.9% 0.3%
    JPMorgan Chase Bank $520,000 $315,000 -39.4% 0.3%
    Waterstone Mortgage Corporation $305,000 $315,000 3.3% 0.3%
    DELMAR FINANCIAL COMPANY $290,000 n/a 0.2%
    SmartBank $165,000 $290,000 75.8% 0.2%
    GMFS LLC $240,000 $280,000 16.7% 0.2%
    GUILD MORTGAGE COMPANY $760,000 $275,000 -63.8% 0.2%
    Metro City Bank $275,000 n/a 0.2%
    Baxter Credit Union $265,000 n/a 0.2%
    GUIDANCE RESIDENTIAL, LLC $300,000 $265,000 -11.7% 0.2%
    BankSouth $255,000 n/a 0.2%
    LIBERTY HOME MORTGAGE CORPORATION $155,000 $255,000 64.5% 0.2%
    Capital City Home Loans, LLC $245,000 n/a 0.2%
    The Samson Banking Company, Inc. $115,000 $245,000 113.0% 0.2%
    Bank of America $215,000 $230,000 7.0% 0.2%
    HOMESIDE FINANCIAL, LLC $225,000 $225,000 0.0% 0.2%
    PLANET HOME LENDING, LLC $85,000 $225,000 164.7% 0.2%
    ROYAL UNITED MORTGAGE LLC $225,000 $200,000 -11.1% 0.2%
    Armed Forces Bank $510,000 $195,000 -61.8% 0.2%
    The Central Trust Bank $195,000 n/a 0.2%
    SUMMIT FUNDING, INC. $195,000 $185,000 -5.1% 0.2%
    HOMESTAR FINANCIAL CORPORATION $955,000 $165,000 -82.7% 0.1%
    HOMEXPRESS MORTGAGE CORP. $145,000 n/a 0.1%
    Ixonia Bank $960,000 $145,000 -84.9% 0.1%
    MORTGAGE INVESTORS GROUP, INC. $980,000 $145,000 -85.2% 0.1%
    SUN WEST MORTGAGE COMPANY, INC. $145,000 n/a 0.1%
    ZILLOW HOME LOANS, LLC $310,000 $145,000 -53.2% 0.1%
    Carrington Mortgage Services, LLC $140,000 $135,000 -3.6% 0.1%
    HOMEBRIDGE FINANCIAL SERVICES, INC. $345,000 $135,000 -60.9% 0.1%
    REDSTONE Federal Credit Union $135,000 n/a 0.1%
    TRIAD FINANCIAL SERVICES, INC. $280,000 $135,000 -51.8% 0.1%
    Gulf Winds Credit Union $125,000 n/a 0.1%
    ARK-LA-TEX FINANCIAL SERVICES, LLC. $155,000 $105,000 -32.3% 0.1%
    Citizens Bank $135,000 $105,000 -22.2% 0.1%
    CSL Financial, LLC $170,000 $95,000 -44.1% 0.1%
    First Citizens Bank $95,000 n/a 0.1%
    Axos Bank $85,000 n/a 0.1%
    Coastal Community Bank $80,000 n/a 0.1%
    AMERICAN FINANCING CORPORATION $820,000 $65,000 -92.1% 0.1%
    The Citizens Bank $65,000 n/a 0.1%
    VELOCITY COMMERCIAL CAPITAL, LLC $65,000 n/a 0.1%
    Figure Lending LLC $45,000 $60,000 33.3% 0.1%
    Discover Bank $270,000 $35,000 -87.0% 0.0%
    FINANCE OF AMERICA REVERSE LLC $35,000 n/a 0.0%
    First Peoples Bank $35,000 n/a 0.0%
    Guardian Credit Union $520,000 $35,000 -93.3% 0.0%

    Ozark's top lender by overall market share is Mortgage Research Center, LLC, with 9.6% market share. In second place, with 9.0%, is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, having originated $10,635,000 in loans. In third place, with 6.9%, is ENVOY MORTGAGE, LTD, having originated $8,090,000 in loans. In fourth place, with 6.0%, is ALL IN, having originated $7,005,000 in loans. In fifth place, with 5.3%, is QUICKEN LOANS, LLC, having originated $6,225,000 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 $124,825 (4.0%) $151,579 (3.9%) 0.00 215
    2018-02-01 $119,900 (-3.9%) $156,098 (1.3%) 0.00 227
    2018-03-01 $124,500 (-11.1%) $158,086 (-1.0%) 0.00 219
    2018-04-01 $125,950 (-10.0%) $155,264 (-4.0%) 0.00 237
    2018-05-01 $132,125 (-2.1%) $160,441 (5.2%) 0.00 273
    2018-06-01 $135,000 (5.7%) $160,623 (6.1%) 0.00 235
    2018-07-01 $134,350 (4.0%) $161,450 (5.2%) 0.00 237
    2018-08-01 $127,325 (3.1%) $164,349 (11.7%) 0.00 233
    2018-09-01 $125,000 (0.1%) $157,409 (7.4%) 0.00 233
    2018-10-01 $127,000 (5.9%) $158,084 (5.6%) 0.00 241
    2018-11-01 $119,700 (-0.2%) $150,862 (0.1%) 0.00 237
    2018-12-01 $119,900 (0.0%) $150,579 (0.8%) 0.00 242
    2019-01-01 $118,950 (-4.7%) $140,903 (-7.0%) 0.00 241
    2019-02-01 $119,225 (-0.6%) $141,905 (-9.1%) 0.00 231
    2019-03-01 $125,943 (1.2%) $153,395 (-3.0%) 0.00 209
    2019-04-01 $135,750 (7.8%) $165,778 (6.8%) 0.00 190
    2019-05-01 $132,900 (0.6%) $167,308 (4.3%) 0.00 182
    2019-06-01 $132,900 (-1.6%) $167,839 (4.5%) 0.00 198
    2019-07-01 $134,424 (0.1%) $173,446 (7.4%) 0.00 184
    2019-08-01 $132,755 (4.3%) $176,730 (7.5%) 0.00 181
    2019-09-01 $131,036 (4.8%) $174,272 (10.7%) 0.00 186
    2019-10-01 $129,800 (2.2%) $174,090 (10.1%) 0.00 187
    2019-11-01 $129,500 (8.2%) $176,650 (17.1%) 0.00 181
    2019-12-01 $130,850 (9.1%) $175,667 (16.7%) 0.00 167
    2020-01-01 $138,975 (16.8%) $181,011 (28.5%) 0.00 159
    2020-02-01 $139,700 (17.2%) $175,239 (23.5%) 0.00 163
    2020-03-01 $140,725 (11.7%) $183,104 (19.4%) 0.00 157
    2020-04-01 $147,500 (8.7%) $185,348 (11.8%) 0.00 151
    2020-05-01 $148,950 (12.1%) $180,750 (8.0%) 0.00 133
    2020-06-01 $146,175 (10.0%) $186,200 (10.9%) 0.00 125
    2020-07-01 $131,500 (-2.2%) $177,927 (2.6%) 0.00 112
    2020-08-01 $149,900 (12.9%) $187,707 (6.2%) 0.00 112
    2020-09-01 $149,225 (13.9%) $194,843 (11.8%) 0.00 100
    2020-10-01 $156,250 (20.4%) $199,265 (14.5%) 0.00 92
    2020-11-01 $147,175 (13.7%) $186,755 (5.7%) 0.00 83
    2020-12-01 $145,600 (11.3%) $180,080 (2.5%) 0.00 79
    2021-01-01 $149,900 (7.9%) $164,781 (-9.0%) 0.00 69
    2021-02-01 $154,075 (10.3%) $177,159 (1.1%) 0.00 67
    2021-03-01 $155,000 (10.1%) $192,814 (5.3%) 0.00 62
    2021-04-01 $162,750 (10.3%) $200,871 (8.4%) 0.00 66
    2021-05-01 $168,000 (12.8%) $226,343 (25.2%) 0.00 59
    2021-06-01 $164,625 (12.6%) $253,937 (36.4%) 0.00 49
    2021-07-01 $159,950 (21.6%) $265,901 (49.4%) 0.00 56
    2021-08-01 $148,875 (-0.7%) $233,153 (24.2%) 0.00 65
    2021-09-01 $142,500 (-4.5%) $216,679 (11.2%) 0.00 63
    2021-10-01 $140,500 (-10.1%) $192,488 (-3.4%) 0.00 60
    2021-11-01 $151,375 (2.9%) $207,048 (10.9%) 0.00 50
    2021-12-01 $166,000 (14.0%) $190,670 (5.9%) 0.00 45
    2022-01-01 $142,500 (-4.9%) $182,452 (10.7%) 0.00 49
    2022-02-01 $139,700 (-9.3%) $185,884 (4.9%) 0.00 46
    2022-03-01 $141,250 (-8.9%) $200,329 (3.9%) 0.00 39
    2022-04-01 $175,000 (7.5%) $213,392 (6.2%) 0.00 47
    2022-05-01 $167,225 (-0.5%) $220,358 (-2.6%) 0.00 54
    2022-06-01 $179,900 (9.3%) $225,733 (-11.1%) 0.00 63
    2022-07-01 $184,500 (15.4%) $249,534 (-6.2%) 0.00 64
    2022-08-01 $187,000 (25.6%) $234,868 (0.7%) 0.00 77
    2022-09-01 $159,250 (11.8%) $208,861 (-3.6%) 0.00 77
    2022-10-01 $175,000 (24.6%) $219,134 (13.8%) 0.00 89
    2022-11-01 $196,575 (29.9%) $233,590 (12.8%) 0.00 78
    2022-12-01 $199,900 (20.4%) $235,286 (23.4%) 0.00 69
    2023-01-01 $214,400 (50.5%) $250,677 (37.4%) 0.00 63
    2023-02-01 $195,000 (39.6%) $240,489 (29.4%) 0.00 52
    2023-03-01 $170,000 (20.4%) $239,577 (19.6%) 0.00 47
    2023-04-01 $220,000 (25.7%) $264,428 (23.9%) 0.00 49
    2023-05-01 $229,950 (37.5%) $285,627 (29.6%) 0.00 55
    2023-06-01 $222,900 (23.9%) $293,469 (30.0%) 0.00 60
    2023-07-01 $225,000 (22.0%) $291,878 (17.0%) 0.00 59
    2023-08-01 $212,300 (13.5%) $267,958 (14.1%) 0.00 61
    2023-09-01 $185,000 (16.2%) $240,556 (15.2%) 0.00 70
    2023-10-01 $193,500 (10.6%) $240,792 (9.9%) 0.00 80
    2023-11-01 $179,450 (-8.7%) $235,394 (0.8%) 0.00 84
    2023-12-01 $182,000 (-9.0%) $223,854 (-4.9%) 0.00 86
    2024-01-01 $170,725 (-20.4%) $215,768 (-13.9%) 0.00 84
    2024-02-01 $180,450 (-7.5%) $219,913 (-8.6%) 0.00 84
    2024-03-01 $192,400 (13.2%) $242,313 (1.1%) 0.00 97
    2024-04-01 $191,250 (-13.1%) $243,239 (-8.0%) 0.00 91
    2024-05-01 $199,700 (-13.2%) $238,475 (-16.5%) 0.00 102
    2024-06-01 $195,500 (-12.3%) $235,869 (-19.6%) 0.00 104
    2024-07-01 $222,975 (-0.9%) $254,596 (-12.8%) 0.00 112
    2024-08-01 $237,450 (11.9%) $264,335 (-1.4%) 0.00 119
    2024-09-01 $239,900 (29.7%) $266,940 (11.0%) 0.00 132
    2024-10-01 $236,175 (22.1%) $255,250 (6.0%) 0.00 138
    2024-11-01 $239,000 (33.2%) $260,497 (10.7%) 0.00 143
    Ozark's median listing price for 2024-11-01 was $239,000, a difference of $59,550 (33.2%) versus the prior year and $2,825 versus the prior month.

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

    Ozark's average listing price for 2024-11-01 was $260,497, a difference of $25,103 (10.7%) versus the prior year and $5,247 versus the prior month.

    For the 2024-11-01 period, Ozark had 143 MLS listings, a difference of 5 listings (4%) versus the prior month and 59 listings (70%) 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 1,690 sqft
    2018-02-01 0 days 1,668 sqft
    2018-03-01 0 days 1,687 sqft
    2018-04-01 0 days 1,684 sqft
    2018-05-01 0 days 1,743 sqft
    2018-06-01 0 days 1,736 sqft
    2018-07-01 0 days 1,767 sqft
    2018-08-01 0 days 1,793 sqft
    2018-09-01 0 days 1,769 sqft
    2018-10-01 0 days 1,758 sqft
    2018-11-01 0 days 1,692 sqft
    2018-12-01 0 days 1,661 sqft
    2019-01-01 0 days 1,615 sqft
    2019-02-01 0 days 1,620 sqft
    2019-03-01 0 days 1,681 sqft
    2019-04-01 0 days 1,750 sqft
    2019-05-01 0 days 1,758 sqft
    2019-06-01 0 days 1,744 sqft
    2019-07-01 0 days 1,751 sqft
    2019-08-01 0 days 1,759 sqft
    2019-09-01 0 days 1,782 sqft
    2019-10-01 0 days 1,773 sqft
    2019-11-01 0 days 1,704 sqft
    2019-12-01 0 days 1,734 sqft
    2020-01-01 0 days 1,735 sqft
    2020-02-01 0 days 1,739 sqft
    2020-03-01 0 days 1,776 sqft
    2020-04-01 0 days 1,814 sqft
    2020-05-01 0 days 1,730 sqft
    2020-06-01 0 days 1,719 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 1,764 sqft
    2020-12-01 0 days 1,750 sqft
    2021-01-01 0 days 1,764 sqft
    2021-02-01 0 days 1,757 sqft
    2021-03-01 0 days 1,704 sqft
    2021-04-01 0 days 1,727 sqft
    2021-05-01 0 days 1,820 sqft
    2021-06-01 0 days 1,891 sqft
    2021-07-01 0 days 1,794 sqft
    2021-08-01 0 days 1,686 sqft
    2021-09-01 0 days 1,648 sqft
    2021-10-01 0 days 1,614 sqft
    2021-11-01 0 days 1,682 sqft
    2021-12-01 0 days 1,632 sqft
    2022-01-01 0 days 1,592 sqft
    2022-02-01 0 days 1,555 sqft
    2022-03-01 0 days 1,586 sqft
    2022-04-01 0 days 1,739 sqft
    2022-05-01 0 days 1,604 sqft
    2022-06-01 0 days 1,703 sqft
    2022-07-01 0 days 2,000 sqft
    2022-08-01 0 days 1,845 sqft
    2022-09-01 0 days 1,638 sqft
    2022-10-01 0 days 1,666 sqft
    2022-11-01 0 days 1,792 sqft
    2022-12-01 0 days 1,765 sqft
    2023-01-01 0 days 1,963 sqft
    2023-02-01 0 days 1,925 sqft
    2023-03-01 0 days 1,971 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 2,118 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
    2023-12-01 0 days 1,729 sqft
    2024-01-01 0 days 1,707 sqft
    2024-02-01 0 days 1,671 sqft
    2024-03-01 0 days 1,766 sqft
    2024-04-01 0 days 1,736 sqft
    2024-05-01 0 days 1,712 sqft
    2024-06-01 0 days 1,725 sqft
    2024-07-01 0 days 1,847 sqft
    2024-08-01 0 days 1,870 sqft
    2024-09-01 0 days 1,825 sqft
    2024-10-01 0 days 1,739 sqft
    2024-11-01 0 days 1,824 sqft
    Ozark's median listing age (time on market) for 2024-11-01 was 0 days.

    Ozark's median square footage for active listings during the 2024-11-01 period was 1,824 sqft. One year prior, the average listing was 1,703 sqft.

    Ozark, AL Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 463 $90,425,000 $195,302
    Other 80 $5,370,000 $67,125
    Cash Out Refi 77 $11,045,000 $143,442
    Home Improvement 67 $5,135,000 $76,642
    Refi 47 $5,745,000 $122,234

    Ozark's most frequently cited loan purpose was Home Purchase, with 463 originations. The 2nd most popular reason was Other, with 80 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    6-7% 241 $45,105,000 $187,158
    Over 8% 180 $16,140,000 $89,667
    7-8% 177 $29,875,000 $168,785
    5-6% 106 $22,920,000 $216,226
    <2.5% 6 $380,000 $63,333
    4-5% 4 $590,000 $147,500
    3-4% 1 $255,000 $255,000
    2.5-3% 1 $375,000 $375,000

    During 2023, Ozark's most frequently originated rate bucket was 6-7%, with 241 originations.

    Loan Sizing (Ozark, AL MSA)

    Loan Size Originations Total Value Average Loan
    $100k-200k 276 $39,900,000 $144,565
    $100,000 or less 249 $14,145,000 $56,807
    $200k-400k 175 $46,195,000 $263,971
    $400k-600k 29 $13,605,000 $469,138
    $600k-1000k 5 $3,875,000 $775,000

    Ozark's loan sizing saw the bucket of loans from $100k-200k with 276 originations, totaling $39,900,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 374 $74,090,000 $198,102
    60-80% 111 $18,025,000 $162,387
    20-40% 77 $5,175,000 $67,208
    Under 20% 64 $2,630,000 $41,094
    40-60% 55 $6,285,000 $114,273
    Over 100% 32 $8,790,000 $274,688

    Ozark's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 374 originations, totaling $74,090,000 in origination value.