Talladega - Sylacauga 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 Talladega - Sylacauga averaged 6.83% for the week of 2025-02-13, compared to the national average of 6.87% for the same period.

    The average rate for the prior week (2025-02-06) was 7.05% and one month ago for the week of 2025-01-09, the average rate was 7.19%.

    Talladega - Sylacauga's average rate one year ago was 6.6%.

    For refis of the same type during the week of 2025-02-13, the average rate was 6.77%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2025-02-13 6.87%
    Talladega - Sylacauga 30 Year Fixed Rate 2025-02-13 6.83%
    Talladega - Sylacauga 30 Year Fixed Rate Refi 2025-02-13 6.77%
    Talladega - Sylacauga 15 Year Fixed Rate 2025-02-13 6.09%
    Talladega - Sylacauga 15 Year Fixed Rate Refi 2025-02-13 5.99%
    Talladega - Sylacauga 30 Year FHA 2025-02-13 6.41%
    Talladega - Sylacauga 30 Year FHA Refi 2025-02-13 6.72%
    Talladega - Sylacauga 30 Year USDA 2025-02-13 6.73%
    Talladega - Sylacauga 30 Year USDA Refi 2025-02-13 6.33%
    Talladega - Sylacauga 30 Year VA 2025-02-13 6.35%
    Talladega - Sylacauga 30 Year VA Refi 2025-02-13 6.33%
    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Talladega-Sylacauga, AL.

    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.).

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    MOVEMENT MORTGAGE, LLC 30 6.86% $3,754
    QUICKEN LOANS, LLC 27 6.75% $5,776
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 20 6.85% $3,909
    Regions Bank 13 6.61% $3,968
    Renasant Bank 12 7.09% $5,179
    UNITED WHOLESALE MORTGAGE, LLC 11 6.90% $6,878
    FIRST COMMUNITY MORTGAGE, INC. 8 6.87% $5,469
    SouthPoint Bank 6 6.38% $3,097
    First Federal Bank, A FSB 6 6.73% $72,725
    LOANDEPOT.COM, LLC 6 6.85% $5,109
    Heritage South Credit Union 6 6.96% $2,332
    VANDERBILT MORTGAGE AND FINANCE, INC. 5 7.77% $4,637
    Wells Fargo Bank 5 7.53% $2,872
    Assurance Financial Group, L.L.C. 4 6.97% $6,824
    AMERICA'S FIRST 4 7.25% $4,224
    NAVY FEDERAL CREDIT UNION 4 7.53% $4,782
    Ameris Bank 4 6.40% $5,662
    Prosperity Home Mortgage, LLC 4 7.72% $3,751
    AlaTrust Credit Union 3 6.58% $3,535
    Flagstar Bank, FSB 3 7.22% $4,367
    Hamilton Mortgage Corporation 3 7.46% $6,670
    UNION HOME MORTGAGE CORP. 3 6.75% $6,458
    AOD Federal Credit Union 3 6.25% $3,054
    SUCCESS MORTGAGE PARTNERS, INC. 3 6.67% $4,800
    HOMESTAR FINANCIAL CORPORATION 3 6.88% $4,319
    CMG MORTGAGE, INC. 3 6.29% $5,031
    PENNYMAC LOAN SERVICES, LLC 3 6.75% $5,462
    JPMorgan Chase Bank 3 6.66% $4,301
    HUNT MORTGAGE CORPORATION 2 7.31% $3,593
    ALABAMA TEACHERS 2 6.88% $2,451
    AVADIAN 2 6.31% $6,892
    BROKER SOLUTIONS, INC. 2 6.00% $7,651
    Consumer First Mortgage, Inc. 2 5.88% $7,518
    FBC MORTGAGE, LLC 2 7.25% $5,734
    GUILD MORTGAGE COMPANY 2 6.44% $5,179
    21ST MORTGAGE CORPORATION 2 8.75% $5,495
    Jefferson Credit Union 2 6.95% $2,894
    Mr. Cooper ( Nationstar Mortgage ) 2 6.93% $6,137
    Synovus Bank 2 7.19% $3,395
    Truist 2 7.13% $5,580
    LENOX FINANCIAL MORTGAGE CORPORATION 1 7.13% $3,746
    EMM LOANS LLC 1 6.50% $7,348
    Metro City Bank 1 7.38% $3,878
    Morgan Stanley Private Bank 1 5.80% $2,808
    MORTGAGE INVESTORS GROUP, INC. 1 7.50% $5,443
    Mortgage Research Center, LLC 1 8.13% $2,565
    EMBRACE HOME LOANS, INC. 1 5.63% $4,359
    U.S. Bank 1 5.99% $4,166
    MUTUAL OF OMAHA MORTGAGE, INC. 1 7.75% $4,673
    Discover Bank 1 7.79% $0
    Neighborhood Loans, Inc. 1 6.88% $5,429
    NexBank 1 6.63% $6,910
    Paramount Residential Mortgage Group, Inc. 1 6.88% $2,495
    CREDIT UNION FINANCIAL SERVICES, LLC 1 5.75% $7,487
    PNC Bank 1 6.25% $3,082
    CORNERSTONE HOME LENDING, INC. 1 6.50% $1,077
    Cornerstone First Mortgage, Inc 1 7.50% $6,398
    REDSTONE Federal Credit Union 1 6.75% $2,571
    Colonial Savings, F.A. 1 6.25% $6,607
    RELIANCE FIRST CAPITAL, LLC 1 6.13% $5,901
    Citizens Bank 1 6.50% $6,633
    ServisFirst Bank 1 6.13% $9,818
    BETTER MORTGAGE CORPORATION 1 5.38% $6,848
    BancorpSouth 1 7.00% $3,126
    AMERICAN PORTFOLIO MORTGAGE CORPORATION 1 6.75% $3,661
    The Loan Store, Inc. 1 7.50% $4,079
    ALAMEDA MORTGAGE CORPORATION 1 6.88% $4,164
    Trustmark National Bank 1 6.25% $2,909
    ANGEL OAK MORTGAGE SOLUTIONS LLC 1 8.25% $7,827
    First Federal Bank 1 5.50% $6,463
    FirstBank 1 6.88% $6,301
    AMERISAVE MORTGAGE CORPORATION 1 5.99% $3,764
    USAA Federal Savings Bank 1 5.63% $21,990
    EVERETT FINANCIAL, INC. 1 6.88% $9,469

    Talladega - Sylacauga Average Closing Costs & Other Stats

    Talladega-Sylacauga, AL's 74 lenders originated 1,142 loans during 2023. The total origination value was $196,160,000, with an average loan value of $171,769.

    Talladega - Sylacauga's average closing costs are $4,870.

    The top Talladega - Sylacauga lender as defined by loan originations is MOVEMENT MORTGAGE, LLC, with 30 loans originated. Their average total fees are $3,754, which is $2,022 lower than the next largest lender, QUICKEN LOANS, LLC.

    The lowest fee Talladega - Sylacauga lenders (with over 10 loans originated) are MOVEMENT MORTGAGE, LLC ($3,754), FAIRWAY INDEPENDENT MORTGAGE CORPORATION ($3,909), Regions Bank ($3,968), Renasant Bank ($5,179) and QUICKEN LOANS, LLC ($5,776).

    The lowest rate Talladega - Sylacauga lenders (with over 10 loans originated) are Regions Bank (6.61%), QUICKEN LOANS, LLC (6.75%), FAIRWAY INDEPENDENT MORTGAGE CORPORATION (6.85%), MOVEMENT MORTGAGE, LLC (6.86%) and UNITED WHOLESALE MORTGAGE, LLC (6.90%).

    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 2022 Loan Value 2023 Loan Value % Change 2023 Market Share
    MOVEMENT MORTGAGE, LLC $17,600,000 $16,265,000 -7.6% 8.3%
    QUICKEN LOANS, LLC $21,560,000 $13,030,000 -39.6% 6.6%
    UNITED WHOLESALE MORTGAGE, LLC $12,240,000 $9,675,000 -21.0% 4.9%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $13,410,000 $9,065,000 -32.4% 4.6%
    First Bank of Alabama $6,575,000 $7,560,000 15.0% 3.9%
    VANDERBILT MORTGAGE AND FINANCE, INC. $5,030,000 $6,375,000 26.7% 3.2%
    Renasant Bank $6,960,000 $6,145,000 -11.7% 3.1%
    ALL IN $5,640,000 n/a 2.9%
    Regions Bank $7,435,000 $5,510,000 -25.9% 2.8%
    SouthPoint Bank $3,395,000 $4,875,000 43.6% 2.5%
    FIRST COMMUNITY MORTGAGE, INC. $3,860,000 $4,335,000 12.3% 2.2%
    Heritage South Credit Union $7,760,000 $4,080,000 -47.4% 2.1%
    Metro Bank $2,125,000 $3,480,000 63.8% 1.8%
    GUILD MORTGAGE COMPANY $2,080,000 $3,150,000 51.4% 1.6%
    Mortgage Research Center, LLC $5,890,000 $3,095,000 -47.5% 1.6%
    21ST MORTGAGE CORPORATION $2,685,000 $2,950,000 9.9% 1.5%
    AMERICA'S FIRST $4,935,000 $2,905,000 -41.1% 1.5%
    GREYSTONE SERVICING COMPANY LLC $2,885,000 n/a 1.5%
    FirstBank $3,260,000 $2,625,000 -19.5% 1.3%
    TRIAD FINANCIAL SERVICES, INC. $1,995,000 $2,590,000 29.8% 1.3%
    PENNYMAC LOAN SERVICES, LLC $2,955,000 $2,480,000 -16.1% 1.3%
    Ameris Bank $3,580,000 $2,330,000 -34.9% 1.2%
    LOANDEPOT.COM, LLC $4,930,000 $2,245,000 -54.5% 1.1%
    FREEDOM MORTGAGE CORPORATION $2,035,000 $2,220,000 9.1% 1.1%
    HUNT MORTGAGE CORPORATION $3,405,000 $2,125,000 -37.6% 1.1%
    NAVY FEDERAL CREDIT UNION $1,750,000 $2,090,000 19.4% 1.1%
    CORNERSTONE HOME LENDING, INC. $830,000 $2,060,000 148.2% 1.1%
    First Federal Bank, A FSB $1,880,000 n/a 1.0%
    HOMESTAR FINANCIAL CORPORATION $620,000 $1,750,000 182.3% 0.9%
    Wells Fargo Bank $4,560,000 $1,730,000 -62.1% 0.9%
    Prosperity Home Mortgage, LLC $3,335,000 $1,690,000 -49.3% 0.9%
    SUCCESS MORTGAGE PARTNERS, INC. $3,810,000 $1,600,000 -58.0% 0.8%
    AVADIAN $1,550,000 n/a 0.8%
    Assurance Financial Group, L.L.C. $185,000 $1,500,000 710.8% 0.8%
    BROKER SOLUTIONS, INC. $1,220,000 $1,325,000 8.6% 0.7%
    Hamilton Mortgage Corporation $1,280,000 n/a 0.7%
    NEW DAY FINANCIAL, LLC $1,775,000 $1,280,000 -27.9% 0.7%
    FBC MORTGAGE, LLC $2,365,000 $1,260,000 -46.7% 0.6%
    UNION HOME MORTGAGE CORP. $1,195,000 n/a 0.6%
    AlaTrust Credit Union $1,300,000 $1,180,000 -9.2% 0.6%
    Truist $5,430,000 $960,000 -82.3% 0.5%
    USAA Federal Savings Bank $175,000 $945,000 440.0% 0.5%
    Mr. Cooper ( Nationstar Mortgage ) $2,525,000 $915,000 -63.8% 0.5%
    RELIANCE FIRST CAPITAL, LLC $905,000 n/a 0.5%
    ATLANTIC BAY MORTGAGE GROUP, L.L.C. $900,000 n/a 0.5%
    Synovus Bank $4,645,000 $875,000 -81.2% 0.4%
    SmartBank $225,000 $870,000 286.7% 0.4%
    CMG MORTGAGE, INC. $510,000 $860,000 68.6% 0.4%
    EMBRACE HOME LOANS, INC. $400,000 $860,000 115.0% 0.4%
    PNC Bank $1,265,000 $830,000 -34.4% 0.4%
    TJC Mortgage, Inc. $1,500,000 $805,000 -46.3% 0.4%
    BancorpSouth $5,170,000 $795,000 -84.6% 0.4%
    HONDA Federal Credit Union $2,015,000 $790,000 -60.8% 0.4%
    ServisFirst Bank $1,060,000 $770,000 -27.4% 0.4%
    JPMorgan Chase Bank $530,000 $710,000 34.0% 0.4%
    Flagstar Bank, FSB $1,265,000 $705,000 -44.3% 0.4%
    MILEND, INC. $1,000,000 $695,000 -30.5% 0.4%
    ALAMEDA MORTGAGE CORPORATION $685,000 n/a 0.3%
    Plains Commerce Bank $675,000 n/a 0.3%
    MUTUAL OF OMAHA MORTGAGE, INC. $970,000 $670,000 -30.9% 0.3%
    SOUTHWEST STAGE FUNDING, LLC $1,155,000 $665,000 -42.4% 0.3%
    CIS Financial Services, Inc. $155,000 $660,000 325.8% 0.3%
    EVANSVILLE TEACHERS $875,000 $655,000 -25.1% 0.3%
    Equity Prime Mortgage LLC $185,000 $570,000 208.1% 0.3%
    ALABAMA TEACHERS $2,605,000 $555,000 -78.7% 0.3%
    Farmers & Merchants Bank $555,000 n/a 0.3%
    Southern States Bank $865,000 $535,000 -38.2% 0.3%
    Barrington Bank & Trust Company, N.A. $530,000 n/a 0.3%
    River Bank & Trust $455,000 $470,000 3.3% 0.2%
    The Loan Store, Inc. $470,000 n/a 0.2%
    CSL Financial, LLC $700,000 $465,000 -33.6% 0.2%
    AMERICAN FINANCIAL NETWORK, INC. $455,000 n/a 0.2%
    MORTGAGE INVESTORS GROUP, INC. $2,295,000 $440,000 -80.8% 0.2%
    APCO EMPLOYEES $1,175,000 $435,000 -63.0% 0.2%
    Consumer First Mortgage, Inc. $390,000 $430,000 10.3% 0.2%
    AMERICAN FINANCIAL RESOURCES, INC. $425,000 n/a 0.2%
    ACOPIA, LLC $420,000 n/a 0.2%
    AMERISAVE MORTGAGE CORPORATION $2,390,000 $410,000 -82.8% 0.2%
    First Federal Bank $275,000 $410,000 49.1% 0.2%
    EMM LOANS LLC $145,000 $385,000 165.5% 0.2%
    OCMBC, INC. $385,000 n/a 0.2%
    Trustmark National Bank $2,185,000 $380,000 -82.6% 0.2%
    ANGEL OAK MORTGAGE SOLUTIONS LLC $190,000 $375,000 97.4% 0.2%
    Colonial Savings, F.A. $365,000 n/a 0.2%
    AMERICAN PACIFIC MORTGAGE CORPORATION $495,000 $360,000 -27.3% 0.2%
    LAKEVIEW LOAN SERVICING, LLC $590,000 $360,000 -39.0% 0.2%
    United Community Bank $700,000 $360,000 -48.6% 0.2%
    CLEARPATH LENDING $355,000 $355,000 0.0% 0.2%
    DAS Acquisition Company, LLC $355,000 n/a 0.2%
    GMFS LLC $765,000 $355,000 -53.6% 0.2%
    South State Bank $600,000 $350,000 -41.7% 0.2%
    VILLAGE CAPITAL MORTGAGE $285,000 $350,000 22.8% 0.2%
    EVERETT FINANCIAL, INC. $765,000 $345,000 -54.9% 0.2%
    Guardian Credit Union $345,000 n/a 0.2%
    NexBank $275,000 $335,000 21.8% 0.2%
    ZILLOW HOME LOANS, LLC $165,000 $335,000 103.0% 0.2%
    U.S. Bank $620,000 $320,000 -48.4% 0.2%
    Citizens Bank $2,625,000 $315,000 -88.0% 0.2%
    GSF Mortgage Corporation $205,000 $305,000 48.8% 0.2%
    FINANCE OF AMERICA REVERSE LLC $295,000 n/a 0.2%
    LONGBRIDGE FINANCIAL, LLC $285,000 n/a 0.1%
    SECURITYNATIONAL MORTGAGE COMPANY $285,000 $285,000 0.0% 0.1%
    First Horizon Bank $280,000 n/a 0.1%
    M&T Bank $720,000 $275,000 -61.8% 0.1%
    AOD Federal Credit Union $2,675,000 $265,000 -90.1% 0.1%
    Carrington Mortgage Services, LLC $825,000 $265,000 -67.9% 0.1%
    FirstTrust Home Loans, Inc. $265,000 n/a 0.1%
    BETTER MORTGAGE CORPORATION $255,000 n/a 0.1%
    CANOPY MORTGAGE, LLC $495,000 $255,000 -48.5% 0.1%
    Cornerstone First Mortgage, Inc $255,000 n/a 0.1%
    MORTGAGE SOLUTIONS OF COLORADO, LLC $115,000 $255,000 121.7% 0.1%
    NobleBank & Trust $615,000 $250,000 -59.3% 0.1%
    BAYSHORE MORTGAGE FUNDING, LLC $540,000 $240,000 -55.6% 0.1%
    ENVOY MORTGAGE, LTD $235,000 n/a 0.1%
    AMERICAN PORTFOLIO MORTGAGE CORPORATION $225,000 n/a 0.1%
    GUARANTEED RATE AFFINITY, LLC $315,000 $225,000 -28.6% 0.1%
    Morgan Stanley Private Bank $225,000 n/a 0.1%
    Fort McClellan Credit Union $2,485,000 $215,000 -91.3% 0.1%
    ISERVE RESIDENTIAL LENDING, LLC $185,000 $215,000 16.2% 0.1%
    CREDIT HUMAN FEDERAL CREDIT UNION $210,000 n/a 0.1%
    Bryant Bank $375,000 $205,000 -45.3% 0.1%
    PRIMARY RESIDENTIAL MORTGAGE, INC. $205,000 n/a 0.1%
    GUARANTEED RATE, INC. $175,000 $195,000 11.4% 0.1%
    LENOX FINANCIAL MORTGAGE CORPORATION $195,000 n/a 0.1%
    Peoples Bank $195,000 n/a 0.1%
    LIMA ONE CAPITAL, LLC $180,000 n/a 0.1%
    REDSTONE Federal Credit Union $75,000 $175,000 133.3% 0.1%
    TOP FLITE FINANCIAL, INC. $175,000 n/a 0.1%
    Jefferson Credit Union $170,000 n/a 0.1%
    Paramount Residential Mortgage Group, Inc. $165,000 n/a 0.1%
    The Federal Savings Bank $595,000 $165,000 -72.3% 0.1%
    MID AMERICA MORTGAGE, INC. $135,000 $160,000 18.5% 0.1%
    Nations Lending Corporation $790,000 $160,000 -79.7% 0.1%
    Community Bank of Mississippi $360,000 $155,000 -56.9% 0.1%
    CREDIT UNION FINANCIAL SERVICES, LLC $155,000 n/a 0.1%
    HOMEOWNERS FINANCIAL GROUP USA, LLC $850,000 $155,000 -81.8% 0.1%
    LENDINGHOME FUNDING CORPORATION $155,000 n/a 0.1%
    Discover Bank $55,000 $150,000 172.7% 0.1%
    Coastal Community Bank $145,000 n/a 0.1%
    CROSSCOUNTRY MORTGAGE, LLC $515,000 $135,000 -73.8% 0.1%
    NFM, INC. $115,000 $135,000 17.4% 0.1%
    Bank of America $645,000 $130,000 -79.8% 0.1%
    STOCKTON MORTGAGE CORPORATION $130,000 n/a 0.1%
    Metro City Bank $125,000 n/a 0.1%
    Robertson Banking Company $125,000 n/a 0.1%
    A&D Mortgage LLC $115,000 n/a 0.1%
    BAY EQUITY LLC $115,000 n/a 0.1%
    CHURCHILL MORTGAGE CORPORATION $395,000 $115,000 -70.9% 0.1%
    DELTA COMMUNITY CREDIT UNION $755,000 $105,000 -86.1% 0.1%
    Figure Lending LLC $105,000 n/a 0.1%
    Neighborhood Loans, Inc. $95,000 $105,000 10.5% 0.1%
    CARDINAL FINANCIAL $270,000 $95,000 -64.8% 0.0%
    First South Farm Credit, ACA $95,000 n/a 0.0%
    Ixonia Bank $95,000 n/a 0.0%
    Bank of England $85,000 n/a 0.0%
    CREDIT UNION OF GEORGIA $175,000 $75,000 -57.1% 0.0%
    PENTAGON FEDERAL CREDIT UNION $60,000 n/a 0.0%
    Eco Credit Union $155,000 $55,000 -64.5% 0.0%
    Investar Bank $1,135,000 $55,000 -95.2% 0.0%
    Valley National Bank $55,000 $45,000 -18.2% 0.0%
    CB&S Bank, Inc. $1,500,000 $35,000 -97.7% 0.0%
    FAMILY SAVINGS $65,000 $25,000 -61.5% 0.0%
    HOMEBRIDGE FINANCIAL SERVICES, INC. $695,000 $25,000 -96.4% 0.0%

    Talladega - Sylacauga's top lender by overall market share is MOVEMENT MORTGAGE, LLC, with 8.3% market share. In second place, with 6.6%, is QUICKEN LOANS, LLC, having originated $13,030,000 in loans. In third place, with 4.9%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $9,675,000 in loans. In fourth place, with 4.6%, is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, having originated $9,065,000 in loans. In fifth place, with 3.9%, is First Bank of Alabama, having originated $7,560,000 in loans.

    Talladega - Sylacauga Housing Market Trends (Median, Average Prices & Listing Count)

    Realtor.com - Talladega - Sylacauga (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 $161,525 (12.7%) $217,997 (10.4%) 0.00 327
    2018-02-01 $159,450 (7.1%) $215,027 (4.6%) 0.00 321
    2018-03-01 $163,500 (7.6%) $228,509 (5.6%) 0.00 322
    2018-04-01 $169,900 (9.7%) $243,919 (10.3%) 0.00 310
    2018-05-01 $173,200 (7.3%) $245,457 (8.5%) 0.00 311
    2018-06-01 $175,000 (7.7%) $247,328 (10.0%) 0.00 318
    2018-07-01 $169,900 (3.0%) $242,930 (8.7%) 0.00 325
    2018-08-01 $167,875 (1.8%) $239,847 (9.2%) 0.00 341
    2018-09-01 $169,900 (6.4%) $242,808 (13.2%) 0.00 346
    2018-10-01 $166,750 (4.6%) $250,148 (17.3%) 0.00 359
    2018-11-01 $168,625 (5.4%) $255,744 (18.5%) 0.00 349
    2018-12-01 $159,500 (-0.3%) $252,995 (18.2%) 0.00 325
    2019-01-01 $159,900 (-1.0%) $248,492 (14.0%) 0.00 318
    2019-02-01 $160,900 (0.9%) $244,921 (13.9%) 0.00 323
    2019-03-01 $167,043 (2.2%) $258,982 (13.3%) 0.00 315
    2019-04-01 $172,400 (1.5%) $267,450 (9.7%) 0.00 317
    2019-05-01 $185,425 (7.1%) $271,826 (10.7%) 0.00 325
    2019-06-01 $186,200 (6.4%) $270,386 (9.3%) 0.00 334
    2019-07-01 $170,575 (0.4%) $261,590 (7.7%) 0.00 356
    2019-08-01 $172,136 (2.5%) $261,567 (9.1%) 0.00 366
    2019-09-01 $173,466 (2.1%) $261,483 (7.7%) 0.00 371
    2019-10-01 $174,700 (4.8%) $263,233 (5.2%) 0.00 367
    2019-11-01 $172,900 (2.5%) $252,160 (-1.4%) 0.00 345
    2019-12-01 $172,900 (8.4%) $240,721 (-4.9%) 0.00 340
    2020-01-01 $173,700 (8.6%) $253,423 (2.0%) 0.00 311
    2020-02-01 $170,000 (5.7%) $254,037 (3.7%) 0.00 308
    2020-03-01 $169,950 (1.7%) $248,138 (-4.2%) 0.00 309
    2020-04-01 $171,108 (-0.8%) $250,706 (-6.3%) 0.00 306
    2020-05-01 $180,400 (-2.7%) $258,994 (-4.7%) 0.00 286
    2020-06-01 $184,800 (-0.8%) $255,741 (-5.4%) 0.00 254
    2020-07-01 $191,298 (12.2%) $266,273 (1.8%) 0.00 218
    2020-08-01 $189,450 (10.1%) $256,721 (-1.9%) 0.00 195
    2020-09-01 $187,950 (8.4%) $264,473 (1.1%) 0.00 184
    2020-10-01 $187,950 (7.6%) $278,676 (5.9%) 0.00 168
    2020-11-01 $185,843 (7.5%) $263,604 (4.5%) 0.00 179
    2020-12-01 $184,478 (6.7%) $255,134 (6.0%) 0.00 177
    2021-01-01 $185,065 (6.5%) $276,939 (9.3%) 0.00 157
    2021-02-01 $172,400 (1.4%) $270,862 (6.6%) 0.00 139
    2021-03-01 $176,675 (4.0%) $266,667 (7.5%) 0.00 146
    2021-04-01 $177,400 (3.7%) $284,306 (13.4%) 0.00 134
    2021-05-01 $186,230 (3.2%) $300,185 (15.9%) 0.00 139
    2021-06-01 $204,850 (10.9%) $316,171 (23.6%) 0.00 133
    2021-07-01 $224,900 (17.6%) $315,509 (18.5%) 0.00 155
    2021-08-01 $199,900 (5.5%) $308,269 (20.1%) 0.00 169
    2021-09-01 $191,250 (1.8%) $300,876 (13.8%) 0.00 162
    2021-10-01 $189,950 (1.1%) $306,654 (10.0%) 0.00 167
    2021-11-01 $178,250 (-4.1%) $308,079 (16.9%) 0.00 149
    2021-12-01 $179,500 (-2.7%) $320,619 (25.7%) 0.00 141
    2022-01-01 $189,900 (2.6%) $330,329 (19.3%) 0.00 132
    2022-02-01 $202,973 (17.7%) $323,230 (19.3%) 0.00 121
    2022-03-01 $189,750 (7.4%) $292,513 (9.7%) 0.00 105
    2022-04-01 $198,000 (11.6%) $299,844 (5.5%) 0.00 120
    2022-05-01 $215,975 (16.0%) $312,601 (4.1%) 0.00 159
    2022-06-01 $220,873 (7.8%) $292,600 (-7.5%) 0.00 176
    2022-07-01 $221,000 (-1.7%) $287,442 (-8.9%) 0.00 191
    2022-08-01 $228,125 (14.1%) $303,199 (-1.6%) 0.00 203
    2022-09-01 $230,000 (20.3%) $300,024 (-0.3%) 0.00 203
    2022-10-01 $233,025 (22.7%) $308,131 (0.5%) 0.00 202
    2022-11-01 $219,975 (23.4%) $295,569 (-4.1%) 0.00 229
    2022-12-01 $222,190 (23.8%) $288,699 (-10.0%) 0.00 216
    2023-01-01 $218,975 (15.3%) $284,879 (-13.8%) 0.00 204
    2023-02-01 $199,935 (-1.5%) $265,893 (-17.7%) 0.00 199
    2023-03-01 $203,805 (7.4%) $272,791 (-6.7%) 0.00 184
    2023-04-01 $207,300 (4.7%) $280,422 (-6.5%) 0.00 172
    2023-05-01 $207,853 (-3.8%) $275,695 (-11.8%) 0.00 173
    2023-06-01 $205,480 (-7.0%) $270,895 (-7.4%) 0.00 205
    2023-07-01 $219,260 (-0.8%) $275,706 (-4.1%) 0.00 220
    2023-08-01 $215,478 (-5.5%) $283,664 (-6.4%) 0.00 206
    2023-09-01 $213,681 (-7.1%) $265,110 (-11.6%) 0.00 215
    2023-10-01 $214,855 (-7.8%) $268,429 (-12.9%) 0.00 237
    2023-11-01 $220,355 (0.2%) $275,489 (-6.8%) 0.00 229
    2023-12-01 $225,570 (1.5%) $285,880 (-1.0%) 0.00 226
    2024-01-01 $219,450 (0.2%) $271,650 (-4.6%) 0.00 228
    2024-02-01 $225,750 (12.9%) $286,602 (7.8%) 0.00 223
    2024-03-01 $234,450 (15.0%) $321,247 (17.8%) 0.00 222
    2024-04-01 $239,900 (15.7%) $349,307 (24.6%) 0.00 236
    2024-05-01 $239,975 (15.5%) $342,388 (24.2%) 0.00 244
    2024-06-01 $228,000 (11.0%) $340,277 (25.6%) 0.00 253
    2024-07-01 $225,035 (2.6%) $332,070 (20.4%) 0.00 273
    2024-08-01 $229,150 (6.4%) $322,122 (13.6%) 0.00 311
    2024-09-01 $229,388 (7.4%) $327,636 (23.6%) 0.00 293
    2024-10-01 $227,473 (5.9%) $315,721 (17.6%) 0.00 312
    2024-11-01 $229,900 (4.3%) $323,981 (17.6%) 0.00 302
    2024-12-01 $224,995 (-0.3%) $324,438 (13.5%) 0.00 286
    2025-01-01 $228,900 (4.3%) $324,322 (19.4%) 0.00 291
    Talladega - Sylacauga's median listing price for 2025-01-01 was $228,900, a difference of $9,450 (4.3%) versus the prior year and $3,905 versus the prior month.

    Talladega - Sylacauga's median listing price comes in at 0% of the national average.

    Talladega - Sylacauga's average listing price for 2025-01-01 was $324,322, a difference of $52,672 (19.4%) versus the prior year and $-116 versus the prior month.

    For the 2025-01-01 period, Talladega - Sylacauga had 291 MLS listings, a difference of 5 listings (2%) versus the prior month and 63 listings (28%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Talladega - Sylacauga (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 2,001 sqft
    2018-02-01 0 days 1,983 sqft
    2018-03-01 0 days 1,999 sqft
    2018-04-01 0 days 2,005 sqft
    2018-05-01 0 days 1,998 sqft
    2018-06-01 0 days 2,002 sqft
    2018-07-01 0 days 1,939 sqft
    2018-08-01 0 days 1,906 sqft
    2018-09-01 0 days 1,888 sqft
    2018-10-01 0 days 1,859 sqft
    2018-11-01 0 days 1,887 sqft
    2018-12-01 0 days 1,860 sqft
    2019-01-01 0 days 1,825 sqft
    2019-02-01 0 days 1,800 sqft
    2019-03-01 0 days 1,835 sqft
    2019-04-01 0 days 1,874 sqft
    2019-05-01 0 days 1,894 sqft
    2019-06-01 0 days 1,853 sqft
    2019-07-01 0 days 1,806 sqft
    2019-08-01 0 days 1,813 sqft
    2019-09-01 0 days 1,793 sqft
    2019-10-01 0 days 1,791 sqft
    2019-11-01 0 days 1,802 sqft
    2019-12-01 0 days 1,802 sqft
    2020-01-01 0 days 1,838 sqft
    2020-02-01 0 days 1,874 sqft
    2020-03-01 0 days 1,831 sqft
    2020-04-01 0 days 1,821 sqft
    2020-05-01 0 days 1,881 sqft
    2020-06-01 0 days 1,803 sqft
    2020-07-01 0 days 1,890 sqft
    2020-08-01 0 days 1,930 sqft
    2020-09-01 0 days 1,901 sqft
    2020-10-01 0 days 1,909 sqft
    2020-11-01 0 days 1,871 sqft
    2020-12-01 0 days 1,820 sqft
    2021-01-01 0 days 1,839 sqft
    2021-02-01 0 days 1,733 sqft
    2021-03-01 0 days 1,721 sqft
    2021-04-01 0 days 1,744 sqft
    2021-05-01 0 days 1,691 sqft
    2021-06-01 0 days 1,783 sqft
    2021-07-01 0 days 1,840 sqft
    2021-08-01 0 days 1,777 sqft
    2021-09-01 0 days 1,713 sqft
    2021-10-01 0 days 1,752 sqft
    2021-11-01 0 days 1,794 sqft
    2021-12-01 0 days 1,722 sqft
    2022-01-01 0 days 1,705 sqft
    2022-02-01 0 days 1,750 sqft
    2022-03-01 0 days 1,700 sqft
    2022-04-01 0 days 1,718 sqft
    2022-05-01 0 days 1,696 sqft
    2022-06-01 0 days 1,644 sqft
    2022-07-01 0 days 1,664 sqft
    2022-08-01 0 days 1,758 sqft
    2022-09-01 0 days 1,844 sqft
    2022-10-01 0 days 1,874 sqft
    2022-11-01 0 days 1,795 sqft
    2022-12-01 0 days 1,750 sqft
    2023-01-01 0 days 1,758 sqft
    2023-02-01 0 days 1,605 sqft
    2023-03-01 0 days 1,628 sqft
    2023-04-01 0 days 1,676 sqft
    2023-05-01 0 days 1,668 sqft
    2023-06-01 0 days 1,593 sqft
    2023-07-01 0 days 1,620 sqft
    2023-08-01 0 days 1,596 sqft
    2023-09-01 0 days 1,573 sqft
    2023-10-01 0 days 1,625 sqft
    2023-11-01 0 days 1,649 sqft
    2023-12-01 0 days 1,679 sqft
    2024-01-01 0 days 1,652 sqft
    2024-02-01 0 days 1,759 sqft
    2024-03-01 0 days 1,828 sqft
    2024-04-01 0 days 1,799 sqft
    2024-05-01 0 days 1,808 sqft
    2024-06-01 0 days 1,698 sqft
    2024-07-01 0 days 1,625 sqft
    2024-08-01 0 days 1,631 sqft
    2024-09-01 0 days 1,650 sqft
    2024-10-01 0 days 1,657 sqft
    2024-11-01 0 days 1,680 sqft
    2024-12-01 0 days 1,684 sqft
    2025-01-01 0 days 1,685 sqft
    Talladega - Sylacauga's median listing age (time on market) for 2025-01-01 was 0 days.

    Talladega - Sylacauga's median square footage for active listings during the 2025-01-01 period was 1,685 sqft. One year prior, the average listing was 1,652 sqft.

    Talladega-Sylacauga, AL Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 764 $144,610,000 $189,280
    Cash Out Refi 130 $19,730,000 $151,769
    Other 91 $7,755,000 $85,220
    Refi 90 $19,080,000 $212,000
    Home Improvement 67 $4,985,000 $74,403

    Talladega - Sylacauga's most frequently cited loan purpose was Home Purchase, with 764 originations. The 2nd most popular reason was Cash Out Refi, with 130 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    6-7% 405 $76,365,000 $188,556
    7-8% 264 $43,920,000 $166,364
    Over 8% 221 $25,465,000 $115,226
    5-6% 147 $29,245,000 $198,946
    4-5% 19 $3,525,000 $185,526
    <2.5% 4 $1,200,000 $300,000
    3-4% 3 $365,000 $121,667

    During 2023, Talladega - Sylacauga's most frequently originated rate bucket was 6-7%, with 405 originations.

    Loan Sizing (Talladega-Sylacauga, AL MSA)

    Loan Size Originations Total Value Average Loan
    $100k-200k 429 $63,305,000 $147,564
    $100,000 or less 367 $21,325,000 $58,106
    $200k-400k 288 $75,370,000 $261,701
    $400k-600k 39 $17,925,000 $459,615
    $600k-1000k 15 $10,505,000 $700,333
    $Over $1MM 4 $7,730,000 $1,932,500

    Talladega - Sylacauga's loan sizing saw the bucket of loans from $100k-200k with 429 originations, totaling $63,305,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 578 $112,750,000 $195,069
    60-80% 184 $39,630,000 $215,380
    20-40% 95 $9,225,000 $97,105
    Under 20% 93 $2,745,000 $29,516
    40-60% 74 $10,950,000 $147,973
    Over 100% 27 $6,095,000 $225,741

    Talladega - Sylacauga's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 578 originations, totaling $112,750,000 in origination value.