Ozark Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Ozark averaged
6.98%
for the week of 2025-06-18, compared to the national average of
6.81% for the same period.
The average rate for the prior week (2025-06-12) was
7.21% and
one month ago for the week of 2025-05-15, the
average rate was 7.08%.
Ozark's average rate one year ago was 7.02%.
For refis of the same type during the week of 2025-06-18, the average rate
was 7.01%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-06-18 | 6.81% |
| Ozark 30 Year Fixed Rate | 2025-06-18 | 6.98% |
| Ozark 30 Year Fixed Rate Refi | 2025-06-18 | 7.01% |
| Ozark 15 Year Fixed Rate | 2025-06-18 | 6.06% |
| Ozark 15 Year Fixed Rate Refi | 2025-06-18 | 6.56% |
| Ozark 30 Year FHA | 2025-06-18 | -0.03% |
| Ozark 30 Year FHA Refi | 2025-06-18 | 0% |
| Ozark 30 Year USDA | 2025-06-18 | -0.1% |
| Ozark 30 Year USDA Refi | 2025-06-18 | -0.2% |
| Ozark 30 Year VA | 2025-06-18 | 0.28% |
| Ozark 30 Year VA Refi | 2025-06-18 | -0.1% |
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.).
Ozark Average Closing Costs & Other Stats
Ozark, AL's 49 lenders originated 858
loans during 2024. The total origination value was $142,450,000, with an average loan value of
$166,026.
Ozark's average closing costs are $4,551.
The top Ozark lender as defined by loan originations is QUICKEN LOANS, LLC, with
22 loans originated. Their average total fees are
$5,768, which is $1,089
higher than the next largest lender,
FAIRWAY INDEPENDENT MORTGAGE CORPORATION.
The lowest fee Ozark lenders (with over 10 loans originated) are
QUICKEN LOANS, LLC ($5,768), .
The lowest rate Ozark lenders (with over 10 loans originated) are
QUICKEN LOANS, LLC (6.88%), .
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 | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| Mortgage Research Center, LLC | $11,310,000 | $14,145,000 | 25.1% | 9.9% |
| QUICKEN LOANS, LLC | $6,225,000 | $8,785,000 | 41.1% | 6.2% |
| ALL IN | $7,005,000 | $6,420,000 | -8.4% | 4.5% |
| UNITED WHOLESALE MORTGAGE, LLC | $2,445,000 | $6,125,000 | 150.5% | 4.3% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $10,635,000 | $5,715,000 | -46.3% | 4.0% |
| CMG MORTGAGE, INC. | $5,670,000 | n/a | 4.0% | |
| PENNYMAC LOAN SERVICES, LLC | $4,410,000 | $4,590,000 | 4.1% | 3.2% |
| River Bank & Trust | $5,645,000 | $4,345,000 | -23.0% | 3.1% |
| MOVEMENT MORTGAGE, LLC | $3,115,000 | $3,810,000 | 22.3% | 2.7% |
| Troy Bank and Trust Company | $2,030,000 | $3,760,000 | 85.2% | 2.6% |
| INTERLINC MORTGAGE SERVICES, LLC | $2,135,000 | $3,355,000 | 57.1% | 2.4% |
| NAVY FEDERAL CREDIT UNION | $3,320,000 | $3,295,000 | -0.8% | 2.3% |
| AMERICAN FINANCIAL RESOURCES, INC. | $790,000 | $3,090,000 | 291.1% | 2.2% |
| ENVOY MORTGAGE, LTD | $8,090,000 | $3,035,000 | -62.5% | 2.1% |
| Five Star Credit Union | $925,000 | $2,730,000 | 195.1% | 1.9% |
| ServisFirst Bank | $1,170,000 | $2,680,000 | 129.1% | 1.9% |
| Renasant Bank | $3,435,000 | $2,425,000 | -29.4% | 1.7% |
| USAA Federal Savings Bank | $850,000 | $2,065,000 | 142.9% | 1.4% |
| FREEDOM MORTGAGE CORPORATION | $1,165,000 | $1,910,000 | 63.9% | 1.3% |
| CROSSCOUNTRY MORTGAGE, LLC | $985,000 | $1,885,000 | 91.4% | 1.3% |
| Tyndall Federal Credit Union | $1,125,000 | $1,830,000 | 62.7% | 1.3% |
| 21ST MORTGAGE CORPORATION | $1,280,000 | $1,780,000 | 39.1% | 1.2% |
| NEWREZ LLC | $1,020,000 | $1,725,000 | 69.1% | 1.2% |
| NEW DAY FINANCIAL, LLC | $1,095,000 | $1,710,000 | 56.2% | 1.2% |
| LOANDEPOT.COM, LLC | $485,000 | $1,670,000 | 244.3% | 1.2% |
| BankPlus | $1,580,000 | n/a | 1.1% | |
| Synovus Bank | $1,485,000 | $1,555,000 | 4.7% | 1.1% |
| Wells Fargo Bank | $395,000 | $1,525,000 | 286.1% | 1.1% |
| BankSouth | $255,000 | $1,380,000 | 441.2% | 1.0% |
| PeoplesSouth Bank | $1,830,000 | $1,230,000 | -32.8% | 0.9% |
| UNION HOME MORTGAGE CORP. | $1,070,000 | $1,195,000 | 11.7% | 0.8% |
| Assurance Financial Group, L.L.C. | $455,000 | $1,085,000 | 138.5% | 0.8% |
| Consumer First Mortgage, Inc. | $410,000 | $1,045,000 | 154.9% | 0.7% |
| First South Farm Credit, ACA | $695,000 | $1,015,000 | 46.0% | 0.7% |
| SOUTHWEST FUNDING, LP | $950,000 | n/a | 0.7% | |
| Mr. Cooper ( Nationstar Mortgage ) | $985,000 | $860,000 | -12.7% | 0.6% |
| Regions Bank | $675,000 | $815,000 | 20.7% | 0.6% |
| GUARANTEED RATE, INC. | $830,000 | $810,000 | -2.4% | 0.6% |
| ROYAL UNITED MORTGAGE LLC | $200,000 | $765,000 | 282.5% | 0.5% |
| Ameris Bank | $1,205,000 | $755,000 | -37.3% | 0.5% |
| PHH Mortgage Corporation | $735,000 | n/a | 0.5% | |
| The First National Bank of Hartford | $725,000 | $655,000 | -9.7% | 0.5% |
| STOCKTON MORTGAGE CORPORATION | $520,000 | $650,000 | 25.0% | 0.5% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $910,000 | $635,000 | -30.2% | 0.4% |
| PNC Bank | $335,000 | $605,000 | 80.6% | 0.4% |
| LENDINGHOME FUNDING CORPORATION | $1,100,000 | $595,000 | -45.9% | 0.4% |
| Trustmark National Bank | $865,000 | $570,000 | -34.1% | 0.4% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $845,000 | $565,000 | -33.1% | 0.4% |
| Armed Forces Bank | $195,000 | $550,000 | 182.1% | 0.4% |
| CARDINAL FINANCIAL | $685,000 | $550,000 | -19.7% | 0.4% |
| PENTAGON FEDERAL CREDIT UNION | $515,000 | $550,000 | 6.8% | 0.4% |
| Mid-Continent Funding, Inc. | $540,000 | n/a | 0.4% | |
| LOANPAL, LLC | $525,000 | n/a | 0.4% | |
| VILLAGE CAPITAL MORTGAGE | $500,000 | n/a | 0.4% | |
| JPMorgan Chase Bank | $315,000 | $485,000 | 54.0% | 0.3% |
| FLAT BRANCH MORTGAGE, INC. | $475,000 | n/a | 0.3% | |
| American Mortgage & Equity Consultants, Inc. | $470,000 | n/a | 0.3% | |
| TOWNE MORTGAGE COMPANY | $450,000 | n/a | 0.3% | |
| Equity Bank | $435,000 | n/a | 0.3% | |
| Carrington Mortgage Services, LLC | $135,000 | $415,000 | 207.4% | 0.3% |
| First Horizon Bank | $410,000 | n/a | 0.3% | |
| Barrington Bank & Trust Company, N.A. | $360,000 | $385,000 | 6.9% | 0.3% |
| CHURCHILL MORTGAGE CORPORATION | $380,000 | n/a | 0.3% | |
| PLAZA HOME MORTGAGE, INC. | $370,000 | n/a | 0.3% | |
| SUCCESS MORTGAGE PARTNERS, INC. | $370,000 | n/a | 0.3% | |
| MORTGAGE INVESTORS GROUP, INC. | $145,000 | $355,000 | 144.8% | 0.2% |
| AVADIAN | $1,185,000 | $335,000 | -71.7% | 0.2% |
| Alabama One Credit Union | $330,000 | n/a | 0.2% | |
| Equity Prime Mortgage LLC | $330,000 | n/a | 0.2% | |
| Bank of America | $230,000 | $325,000 | 41.3% | 0.2% |
| CONTOUR MORTGAGE CORPORATION | $325,000 | n/a | 0.2% | |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $390,000 | $325,000 | -16.7% | 0.2% |
| Brighton Bank | $315,000 | n/a | 0.2% | |
| The Huntington National Bank | $305,000 | n/a | 0.2% | |
| South State Bank | $1,240,000 | $300,000 | -75.8% | 0.2% |
| AMERISAVE MORTGAGE CORPORATION | $535,000 | $285,000 | -46.7% | 0.2% |
| NBKC BANK | $285,000 | n/a | 0.2% | |
| LIMA ONE CAPITAL, LLC | $280,000 | n/a | 0.2% | |
| Citibank | $275,000 | n/a | 0.2% | |
| MORIA DEVELOPMENT, INC. | $265,000 | n/a | 0.2% | |
| SmartBank | $290,000 | $260,000 | -10.3% | 0.2% |
| HOMESIDE FINANCIAL, LLC | $225,000 | $245,000 | 8.9% | 0.2% |
| LAKEVIEW LOAN SERVICING, LLC | $245,000 | n/a | 0.2% | |
| Nations Lending Corporation | $240,000 | n/a | 0.2% | |
| Flagstar Bank, FSB | $495,000 | $235,000 | -52.5% | 0.2% |
| GUILD MORTGAGE COMPANY | $275,000 | $235,000 | -14.5% | 0.2% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $800,000 | $235,000 | -70.6% | 0.2% |
| Logan Finance Corporation | $225,000 | n/a | 0.2% | |
| HNB First Bank | $670,000 | $220,000 | -67.2% | 0.2% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | $215,000 | n/a | 0.2% | |
| GMFS LLC | $280,000 | $215,000 | -23.2% | 0.2% |
| Discover Bank | $35,000 | $205,000 | 485.7% | 0.1% |
| First Citizens Bank | $95,000 | $195,000 | 105.3% | 0.1% |
| NETWORK CAPITAL FUNDING CORPORATION | $195,000 | n/a | 0.1% | |
| SUN WEST MORTGAGE COMPANY, INC. | $145,000 | $195,000 | 34.5% | 0.1% |
| BETTER MORTGAGE CORPORATION | $185,000 | n/a | 0.1% | |
| Capital City Home Loans, LLC | $245,000 | $185,000 | -24.5% | 0.1% |
| BROKER SOLUTIONS, INC. | $1,060,000 | $180,000 | -83.0% | 0.1% |
| SOUTHWEST STAGE FUNDING, LLC | $170,000 | n/a | 0.1% | |
| CREDIT HUMAN FEDERAL CREDIT UNION | $165,000 | n/a | 0.1% | |
| MICHIGAN MUTUAL, INC. | $165,000 | n/a | 0.1% | |
| TRIAD FINANCIAL SERVICES, INC. | $135,000 | $165,000 | 22.2% | 0.1% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $135,000 | $155,000 | 14.8% | 0.1% |
| Lakeview Community Capital, LLC | $155,000 | n/a | 0.1% | |
| Waterstone Mortgage Corporation | $315,000 | $155,000 | -50.8% | 0.1% |
| BAY-VALLEY MORTGAGE GROUP | $145,000 | n/a | 0.1% | |
| CANOPY MORTGAGE, LLC | $145,000 | n/a | 0.1% | |
| ZILLOW HOME LOANS, LLC | $145,000 | $135,000 | -6.9% | 0.1% |
| Arvest Bank | $125,000 | n/a | 0.1% | |
| ATLANTA POSTAL | $125,000 | n/a | 0.1% | |
| First Federal Bank | $715,000 | $125,000 | -82.5% | 0.1% |
| DELMAR FINANCIAL COMPANY | $290,000 | $115,000 | -60.3% | 0.1% |
| The Loan Store, Inc. | $115,000 | n/a | 0.1% | |
| FirstBank | $330,000 | $95,000 | -71.2% | 0.1% |
| Prosperity Home Mortgage, LLC | $390,000 | $95,000 | -75.6% | 0.1% |
| SPRING EQ, LLC | $95,000 | n/a | 0.1% | |
| REDSTONE Federal Credit Union | $135,000 | $85,000 | -37.0% | 0.1% |
| CCB Community Bank | $75,000 | n/a | 0.1% | |
| APCO EMPLOYEES | $540,000 | $65,000 | -88.0% | 0.0% |
| BancorpSouth | $65,000 | n/a | 0.0% | |
| Cornerstone First Mortgage, Inc | $65,000 | n/a | 0.0% | |
| VELOCITY COMMERCIAL CAPITAL, LLC | $65,000 | $65,000 | 0.0% | 0.0% |
| Figure Lending LLC | $60,000 | $60,000 | 0.0% | 0.0% |
| Coastal Community Bank | $80,000 | $55,000 | -31.3% | 0.0% |
| Northwest Federal Credit Union | $35,000 | n/a | 0.0% |
Ozark's top lender by overall market share is Mortgage Research Center, LLC, with 9.9% market share. In second place, with 6.2%, is QUICKEN LOANS, LLC, having originated $8,785,000 in loans. In third place, with 4.5%, is ALL IN, having originated $6,420,000 in loans. In fourth place, with 4.3%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $6,125,000 in loans. In fifth place, with 4.0%, is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, having originated $5,715,000 in loans.
Ozark, AL Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 511 | $98,075,000 | $191,928 |
| Cash Out Refi | 110 | $16,010,000 | $145,545 |
| Refi | 91 | $18,215,000 | $200,165 |
| Other | 85 | $6,035,000 | $71,000 |
| Home Improvement | 61 | $4,115,000 | $67,459 |
Ozark's most frequently cited loan purpose was Home Purchase, with 511 originations. The 2nd most popular reason was Cash Out Refi, with 110 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 332 | $63,990,000 | $192,741 |
| Over 8% | 179 | $18,095,000 | $101,089 |
| 7-8% | 175 | $25,265,000 | $144,371 |
| 5-6% | 118 | $25,890,000 | $219,407 |
| 4-5% | 11 | $2,735,000 | $248,636 |
| <2.5% | 2 | $360,000 | $180,000 |
| 3-4% | 1 | $165,000 | $165,000 |
| 2.5-3% | 1 | $255,000 | $255,000 |
During 2024, Ozark's most frequently originated rate bucket was 6-7%, with 332 originations.
Loan Sizing (Ozark, AL MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $100k-200k | 318 | $46,170,000 | $145,189 |
| $100,000 or less | 271 | $15,595,000 | $57,546 |
| $200k-400k | 231 | $62,605,000 | $271,017 |
| $400k-600k | 34 | $15,600,000 | $458,824 |
| $600k-1000k | 4 | $2,480,000 | $620,000 |
Ozark's loan sizing saw the bucket of loans from $100k-200k with 318 originations, totaling $46,170,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 405 | $82,995,000 | $204,926 |
| 60-80% | 141 | $23,055,000 | $163,511 |
| 20-40% | 82 | $5,290,000 | $64,512 |
| Under 20% | 65 | $2,035,000 | $31,308 |
| 40-60% | 55 | $6,675,000 | $121,364 |
| Over 100% | 44 | $11,780,000 | $267,727 |
Ozark's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 405 originations, totaling $82,995,000 in origination value.