Talladega - Sylacauga Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Talladega - Sylacauga averaged
6.79%
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
6.89% and
one month ago for the week of 2025-05-29, the
average rate was 6.81%.
Talladega - Sylacauga's average rate one year ago was 6.98%.
For refis of the same type during the week of 2025-07-03, the average rate
was 6.67%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-07-03 | 6.67% |
| Talladega - Sylacauga 30 Year Fixed Rate | 2025-07-03 | 6.79% |
| Talladega - Sylacauga 30 Year Fixed Rate Refi | 2025-07-03 | 6.67% |
| Talladega - Sylacauga 15 Year Fixed Rate | 2025-07-03 | 5.9% |
| Talladega - Sylacauga 15 Year Fixed Rate Refi | 2025-07-03 | 6.1% |
| Talladega - Sylacauga 30 Year FHA | 2025-07-03 | -0.14% |
| Talladega - Sylacauga 30 Year FHA Refi | 2025-07-03 | 0.1% |
| Talladega - Sylacauga 30 Year USDA | 2025-07-03 | -0.23% |
| Talladega - Sylacauga 30 Year USDA Refi | 2025-07-03 | -0.2% |
| Talladega - Sylacauga 30 Year VA | 2025-07-03 | 0.15% |
| Talladega - Sylacauga 30 Year VA Refi | 2025-07-03 | 0% |
Talladega - Sylacauga 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 Talladega-Sylacauga, 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.).
Talladega - Sylacauga Average Closing Costs & Other Stats
Talladega-Sylacauga, AL's 86 lenders originated 1,346
loans during 2024. The total origination value was $241,380,000, with an average loan value of
$179,331.
Talladega - Sylacauga's average closing costs are $5,168.
The top Talladega - Sylacauga lender as defined by loan originations is QUICKEN LOANS, LLC, with
33 loans originated. Their average total fees are
$6,072, which is $621
higher than the next largest lender,
UNITED WHOLESALE MORTGAGE, LLC.
The lowest fee Talladega - Sylacauga lenders (with over 10 loans originated) are
FAIRWAY INDEPENDENT MORTGAGE CORPORATION ($3,648), Regions Bank ($3,757), MORIA DEVELOPMENT, INC. ($4,998), UNITED WHOLESALE MORTGAGE, LLC ($5,451) and QUICKEN LOANS, LLC ($6,072).
The lowest rate Talladega - Sylacauga lenders (with over 10 loans originated) are
QUICKEN LOANS, LLC (6.68%), MORIA DEVELOPMENT, INC. (6.77%), UNITED WHOLESALE MORTGAGE, LLC (6.88%), Regions Bank (6.92%) and FAIRWAY INDEPENDENT MORTGAGE CORPORATION (7.12%).
Talladega-Sylacauga, 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 |
|---|---|---|---|---|
| UNITED WHOLESALE MORTGAGE, LLC | $9,675,000 | $15,425,000 | 59.4% | 6.4% |
| QUICKEN LOANS, LLC | $13,030,000 | $13,250,000 | 1.7% | 5.5% |
| MORIA DEVELOPMENT, INC. | $11,640,000 | n/a | 4.8% | |
| Mortgage Research Center, LLC | $3,095,000 | $8,280,000 | 167.5% | 3.4% |
| COREVEST AMERICAN FINANCE LENDER LLC | $7,575,000 | n/a | 3.1% | |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $9,065,000 | $6,885,000 | -24.0% | 2.9% |
| First Bank of Alabama | $7,560,000 | $6,555,000 | -13.3% | 2.7% |
| Regions Bank | $5,510,000 | $5,555,000 | 0.8% | 2.3% |
| INSPIRE HOME LOANS INC. | $5,220,000 | n/a | 2.2% | |
| MOVEMENT MORTGAGE, LLC | $16,265,000 | $5,145,000 | -68.4% | 2.1% |
| Renasant Bank | $6,145,000 | $4,515,000 | -26.5% | 1.9% |
| SouthPoint Bank | $4,875,000 | $4,395,000 | -9.8% | 1.8% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $6,375,000 | $4,280,000 | -32.9% | 1.8% |
| Ameris Bank | $2,330,000 | $4,095,000 | 75.8% | 1.7% |
| FREEDOM MORTGAGE CORPORATION | $2,220,000 | $3,935,000 | 77.3% | 1.6% |
| AMERICA'S FIRST | $2,905,000 | $3,915,000 | 34.8% | 1.6% |
| FBC MORTGAGE, LLC | $1,260,000 | $3,905,000 | 209.9% | 1.6% |
| 21ST MORTGAGE CORPORATION | $2,950,000 | $3,775,000 | 28.0% | 1.6% |
| HUNT MORTGAGE CORPORATION | $2,125,000 | $3,655,000 | 72.0% | 1.5% |
| FirstBank | $2,625,000 | $3,635,000 | 38.5% | 1.5% |
| FIRST COMMUNITY MORTGAGE, INC. | $4,335,000 | $3,375,000 | -22.1% | 1.4% |
| GUILD MORTGAGE COMPANY | $3,150,000 | $3,025,000 | -4.0% | 1.3% |
| TRIAD FINANCIAL SERVICES, INC. | $2,590,000 | $2,900,000 | 12.0% | 1.2% |
| PENNYMAC LOAN SERVICES, LLC | $2,480,000 | $2,745,000 | 10.7% | 1.1% |
| STOCKTON MORTGAGE CORPORATION | $130,000 | $2,580,000 | 1,884.6% | 1.1% |
| Cornerstone First Mortgage, Inc | $255,000 | $2,370,000 | 829.4% | 1.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | $1,600,000 | $2,365,000 | 47.8% | 1.0% |
| The Loan Store, Inc. | $470,000 | $2,285,000 | 386.2% | 0.9% |
| LOANDEPOT.COM, LLC | $2,245,000 | $2,275,000 | 1.3% | 0.9% |
| Hamilton Mortgage Corporation | $1,280,000 | $2,185,000 | 70.7% | 0.9% |
| Heritage South Credit Union | $4,080,000 | $2,115,000 | -48.2% | 0.9% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | $900,000 | $2,065,000 | 129.4% | 0.9% |
| PNC Bank | $830,000 | $2,015,000 | 142.8% | 0.8% |
| Flagstar Bank, FSB | $705,000 | $2,005,000 | 184.4% | 0.8% |
| NEW DAY FINANCIAL, LLC | $1,280,000 | $1,995,000 | 55.9% | 0.8% |
| Synovus Bank | $875,000 | $1,960,000 | 124.0% | 0.8% |
| ServisFirst Bank | $770,000 | $1,950,000 | 153.2% | 0.8% |
| UNION HOME MORTGAGE CORP. | $1,195,000 | $1,730,000 | 44.8% | 0.7% |
| Metro Bank | $3,480,000 | $1,570,000 | -54.9% | 0.7% |
| NAVY FEDERAL CREDIT UNION | $2,090,000 | $1,525,000 | -27.0% | 0.6% |
| BROKER SOLUTIONS, INC. | $1,325,000 | $1,430,000 | 7.9% | 0.6% |
| TOWNE MORTGAGE COMPANY | $1,390,000 | n/a | 0.6% | |
| ALABAMA TEACHERS | $555,000 | $1,375,000 | 147.7% | 0.6% |
| ACOPIA, LLC | $420,000 | $1,365,000 | 225.0% | 0.6% |
| NEWREZ LLC | $1,160,000 | n/a | 0.5% | |
| OCMBC, INC. | $385,000 | $1,140,000 | 196.1% | 0.5% |
| First Federal Bank, A FSB | $1,880,000 | $1,105,000 | -41.2% | 0.5% |
| River Bank & Trust | $470,000 | $1,070,000 | 127.7% | 0.4% |
| AMERICAN FINANCIAL RESOURCES, INC. | $425,000 | $1,050,000 | 147.1% | 0.4% |
| Barrington Bank & Trust Company, N.A. | $530,000 | $1,050,000 | 98.1% | 0.4% |
| AOD Federal Credit Union | $265,000 | $1,040,000 | 292.5% | 0.4% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $255,000 | $1,015,000 | 298.0% | 0.4% |
| USAA Federal Savings Bank | $945,000 | $1,000,000 | 5.8% | 0.4% |
| NMSI, INC. | $985,000 | n/a | 0.4% | |
| GMFS LLC | $355,000 | $970,000 | 173.2% | 0.4% |
| South State Bank | $350,000 | $945,000 | 170.0% | 0.4% |
| Bank of England | $85,000 | $940,000 | 1,005.9% | 0.4% |
| SOUTHWEST STAGE FUNDING, LLC | $665,000 | $940,000 | 41.4% | 0.4% |
| SOUTHWEST FUNDING, LP | $935,000 | n/a | 0.4% | |
| HONDA Federal Credit Union | $790,000 | $925,000 | 17.1% | 0.4% |
| BankPlus | $860,000 | n/a | 0.4% | |
| ZILLOW HOME LOANS, LLC | $335,000 | $855,000 | 155.2% | 0.4% |
| Mortgage Assurance Inc. | $850,000 | n/a | 0.4% | |
| RELIANCE FIRST CAPITAL, LLC | $905,000 | $850,000 | -6.1% | 0.4% |
| Community Bank of Mississippi | $155,000 | $845,000 | 445.2% | 0.4% |
| NobleBank & Trust | $250,000 | $815,000 | 226.0% | 0.3% |
| PLANET HOME LENDING, LLC | $815,000 | n/a | 0.3% | |
| EVERETT FINANCIAL, INC. | $345,000 | $805,000 | 133.3% | 0.3% |
| Prosperity Home Mortgage, LLC | $1,690,000 | $800,000 | -52.7% | 0.3% |
| CMG MORTGAGE, INC. | $860,000 | $765,000 | -11.0% | 0.3% |
| Northpointe Bank | $740,000 | n/a | 0.3% | |
| CSL Financial, LLC | $465,000 | $730,000 | 57.0% | 0.3% |
| AlaTrust Credit Union | $1,180,000 | $715,000 | -39.4% | 0.3% |
| Liberty Mortgage Corporation | $655,000 | n/a | 0.3% | |
| AMWEST FUNDING CORP. | $650,000 | n/a | 0.3% | |
| ROYAL UNITED MORTGAGE LLC | $635,000 | n/a | 0.3% | |
| United Community Bank | $360,000 | $620,000 | 72.2% | 0.3% |
| AVADIAN | $1,550,000 | $615,000 | -60.3% | 0.3% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | $610,000 | n/a | 0.3% | |
| Hometown Equity Mortgage, LLC | $595,000 | n/a | 0.2% | |
| MUTUAL OF OMAHA MORTGAGE, INC. | $670,000 | $595,000 | -11.2% | 0.2% |
| U.S. Bank | $320,000 | $595,000 | 85.9% | 0.2% |
| MORTGAGE INVESTORS GROUP, INC. | $440,000 | $575,000 | 30.7% | 0.2% |
| NexBank | $335,000 | $575,000 | 71.6% | 0.2% |
| The Federal Savings Bank | $165,000 | $560,000 | 239.4% | 0.2% |
| Bryant Bank | $205,000 | $550,000 | 168.3% | 0.2% |
| Truist | $960,000 | $510,000 | -46.9% | 0.2% |
| CANOPY MORTGAGE, LLC | $255,000 | $490,000 | 92.2% | 0.2% |
| APCO EMPLOYEES | $435,000 | $470,000 | 8.0% | 0.2% |
| JET DIRECT FUNDING CORP | $465,000 | n/a | 0.2% | |
| Central State Bank | $460,000 | n/a | 0.2% | |
| First Horizon Bank | $280,000 | $435,000 | 55.4% | 0.2% |
| Wells Fargo Bank | $1,730,000 | $430,000 | -75.1% | 0.2% |
| NEXERA HOLDING LLC | $420,000 | n/a | 0.2% | |
| Ixonia Bank | $95,000 | $410,000 | 331.6% | 0.2% |
| CB&S Bank, Inc. | $35,000 | $400,000 | 1,042.9% | 0.2% |
| Discover Bank | $150,000 | $390,000 | 160.0% | 0.2% |
| Mr. Cooper ( Nationstar Mortgage ) | $915,000 | $390,000 | -57.4% | 0.2% |
| THE MORTGAGE FIRM, INC. | $390,000 | n/a | 0.2% | |
| BETTER MORTGAGE CORPORATION | $255,000 | $370,000 | 45.1% | 0.2% |
| FIRST COLONY MORTGAGE CORPORATION | $370,000 | n/a | 0.2% | |
| INTERLINC MORTGAGE SERVICES, LLC | $355,000 | n/a | 0.1% | |
| AMERISAVE MORTGAGE CORPORATION | $410,000 | $345,000 | -15.9% | 0.1% |
| NATIONS DIRECT MORTGAGE, LLC | $345,000 | n/a | 0.1% | |
| VILLAGE CAPITAL MORTGAGE | $350,000 | $330,000 | -5.7% | 0.1% |
| Consumer First Mortgage, Inc. | $430,000 | $320,000 | -25.6% | 0.1% |
| AMERIFIRST BANK | $305,000 | n/a | 0.1% | |
| Carrington Mortgage Services, LLC | $265,000 | $305,000 | 15.1% | 0.1% |
| Magnolia Bank | $305,000 | n/a | 0.1% | |
| PENTAGON FEDERAL CREDIT UNION | $60,000 | $305,000 | 408.3% | 0.1% |
| Princeton Mortgage Corporation | $305,000 | n/a | 0.1% | |
| Alabama One Credit Union | $295,000 | n/a | 0.1% | |
| AmeriHome Mortgage Company, LLC | $295,000 | n/a | 0.1% | |
| BancorpSouth | $795,000 | $290,000 | -63.5% | 0.1% |
| Trustmark National Bank | $380,000 | $285,000 | -25.0% | 0.1% |
| Farmers & Merchants Bank | $555,000 | $270,000 | -51.4% | 0.1% |
| LEADERONE FINANCIAL CORPORATION | $270,000 | n/a | 0.1% | |
| Sierra Pacific Mortgage Company, Inc. | $265,000 | n/a | 0.1% | |
| Assurance Financial Group, L.L.C. | $1,500,000 | $255,000 | -83.0% | 0.1% |
| FOUNDATION MORTGAGE CORPORATION | $255,000 | n/a | 0.1% | |
| Paramount Residential Mortgage Group, Inc. | $165,000 | $255,000 | 54.5% | 0.1% |
| MICHIGAN MUTUAL, INC. | $245,000 | n/a | 0.1% | |
| Southern States Bank | $535,000 | $245,000 | -54.2% | 0.1% |
| CROSSCOUNTRY MORTGAGE, LLC | $135,000 | $240,000 | 77.8% | 0.1% |
| JPMorgan Chase Bank | $710,000 | $240,000 | -66.2% | 0.1% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $230,000 | n/a | 0.1% | |
| Dollar Bank, Federal Savings Bank | $225,000 | n/a | 0.1% | |
| LEGACY COMMUNITY FEDERAL CREDIT UNION | $225,000 | n/a | 0.1% | |
| ENVOY MORTGAGE, LTD | $235,000 | $215,000 | -8.5% | 0.1% |
| Equity Prime Mortgage LLC | $570,000 | $215,000 | -62.3% | 0.1% |
| HOMESIDE FINANCIAL, LLC | $210,000 | n/a | 0.1% | |
| MILEND, INC. | $695,000 | $205,000 | -70.5% | 0.1% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $360,000 | $200,000 | -44.4% | 0.1% |
| Loan Simple, Inc. | $200,000 | n/a | 0.1% | |
| Associated Credit Union | $195,000 | n/a | 0.1% | |
| ISERVE RESIDENTIAL LENDING, LLC | $215,000 | $195,000 | -9.3% | 0.1% |
| TOP FLITE FINANCIAL, INC. | $175,000 | $195,000 | 11.4% | 0.1% |
| Home Mortgage Alliance Corp | $190,000 | n/a | 0.1% | |
| Figure Lending LLC | $105,000 | $185,000 | 76.2% | 0.1% |
| AMERICAN FINANCING CORPORATION | $165,000 | n/a | 0.1% | |
| Legends Bank | $165,000 | n/a | 0.1% | |
| Signature Federal Credit Union | $165,000 | n/a | 0.1% | |
| SPRING EQ, LLC | $160,000 | n/a | 0.1% | |
| NETWORK CAPITAL FUNDING CORPORATION | $155,000 | n/a | 0.1% | |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $155,000 | n/a | 0.1% | |
| Residential Acceptance Corporation | $155,000 | n/a | 0.1% | |
| LAND HOME FINANCIAL SERVICES, INC. | $145,000 | n/a | 0.1% | |
| Plains Commerce Bank | $675,000 | $145,000 | -78.5% | 0.1% |
| SUN WEST MORTGAGE COMPANY, INC. | $145,000 | n/a | 0.1% | |
| BankFirst Financial Services | $135,000 | n/a | 0.1% | |
| EMBRACE HOME LOANS, INC. | $860,000 | $135,000 | -84.3% | 0.1% |
| CIS Financial Services, Inc. | $660,000 | $125,000 | -81.1% | 0.1% |
| DOMINION FINANCIAL SERVICES, LLC | $125,000 | n/a | 0.1% | |
| Nations Lending Corporation | $160,000 | $125,000 | -21.9% | 0.1% |
| SOUTHPOINT FINANCIAL SERVICES, INC. | $125,000 | n/a | 0.1% | |
| ALABAMA STATE EMPLOYEES CREDIT UNION | $115,000 | n/a | 0.0% | |
| The Hometown Bank of Alabama | $115,000 | n/a | 0.0% | |
| SECURITYNATIONAL MORTGAGE COMPANY | $285,000 | $105,000 | -63.2% | 0.0% |
| DIRECT MORTGAGE LOANS, LLC | $95,000 | n/a | 0.0% | |
| Metro City Bank | $125,000 | $95,000 | -24.0% | 0.0% |
| BAYSHORE MORTGAGE FUNDING, LLC | $240,000 | $85,000 | -64.6% | 0.0% |
| Jefferson Credit Union | $170,000 | $85,000 | -50.0% | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | $210,000 | $65,000 | -69.0% | 0.0% |
| Bank OZK | $55,000 | n/a | 0.0% | |
| LONGBRIDGE FINANCIAL, LLC | $285,000 | $55,000 | -80.7% | 0.0% |
| FAMILY SAVINGS | $25,000 | $45,000 | 80.0% | 0.0% |
| Mutual Savings Credit Union | $35,000 | n/a | 0.0% | |
| EvaBank | $15,000 | n/a | 0.0% | |
| Guardian Credit Union | $345,000 | $15,000 | -95.7% | 0.0% |
Talladega - Sylacauga's top lender by overall market share is UNITED WHOLESALE MORTGAGE, LLC, with 6.4% market share. In second place, with 5.5%, is QUICKEN LOANS, LLC, having originated $13,250,000 in loans. In third place, with 4.8%, is MORIA DEVELOPMENT, INC., having originated $11,640,000 in loans. In fourth place, with 3.4%, is Mortgage Research Center, LLC, having originated $8,280,000 in loans. In fifth place, with 3.1%, is COREVEST AMERICAN FINANCE LENDER LLC, having originated $7,575,000 in loans.
Talladega-Sylacauga, AL Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 882 | $162,950,000 | $184,751 |
| Cash Out Refi | 151 | $26,665,000 | $176,589 |
| Refi | 146 | $35,470,000 | $242,945 |
| Other | 105 | $10,585,000 | $100,810 |
| Home Improvement | 62 | $5,710,000 | $92,097 |
Talladega - Sylacauga's most frequently cited loan purpose was Home Purchase, with 882 originations. The 2nd most popular reason was Cash Out Refi, with 151 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 527 | $110,825,000 | $210,294 |
| 5-6% | 272 | $51,670,000 | $189,963 |
| Over 8% | 233 | $24,555,000 | $105,386 |
| 7-8% | 207 | $36,505,000 | $176,353 |
| 4-5% | 30 | $5,700,000 | $190,000 |
| 3-4% | 3 | $735,000 | $245,000 |
| <2.5% | 1 | $15,000 | $15,000 |
During 2024, Talladega - Sylacauga's most frequently originated rate bucket was 6-7%, with 527 originations.
Loan Sizing (Talladega-Sylacauga, AL MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $100k-200k | 480 | $72,680,000 | $151,417 |
| $100,000 or less | 409 | $21,745,000 | $53,166 |
| $200k-400k | 384 | $99,400,000 | $258,854 |
| $400k-600k | 53 | $25,025,000 | $472,170 |
| $600k-1000k | 17 | $11,985,000 | $705,000 |
| $Over $1MM | 3 | $10,545,000 | $3,515,000 |
Talladega - Sylacauga's loan sizing saw the bucket of loans from $100k-200k with 480 originations, totaling $72,680,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 704 | $141,150,000 | $200,497 |
| 60-80% | 196 | $42,460,000 | $216,633 |
| Under 20% | 150 | $4,450,000 | $29,667 |
| 40-60% | 84 | $14,740,000 | $175,476 |
| 20-40% | 80 | $6,980,000 | $87,250 |
| Over 100% | 30 | $14,260,000 | $475,333 |
Talladega - Sylacauga's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 704 originations, totaling $141,150,000 in origination value.