Talladega - Sylacauga Mortgage Rates

30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

30 Year Fixed Rate mortgages in Talladega - Sylacauga averaged 6% for the week of 2022-06-23, compared to the national average of 5.81% for the same period.

The average rate for the prior week (2022-06-16) was 6.17% and one month ago for the week of 2022-05-19, the average rate was 5.84%.

Talladega - Sylacauga's average rate one year ago was 3.41%.

For refis of the same type during the week of 2022-06-23, the average rate was 6.13%.

Loan Type Date Rate
US 30 Year Fixed Rate 2022-06-23 5.81%
Talladega - Sylacauga 30 Year Fixed Rate 2022-06-23 6%
Talladega - Sylacauga 30 Year Fixed Rate Refi 2022-06-23 6.13%
Talladega - Sylacauga 15 Year Fixed Rate 2022-06-23 5.73%
Talladega - Sylacauga 15 Year Fixed Rate Refi 2022-06-23 5.14%
Talladega - Sylacauga 30 Year FHA 2022-06-23 -0.12%
Talladega - Sylacauga 30 Year FHA Refi 2022-06-23 -0.11%
Talladega - Sylacauga 30 Year USDA 2022-06-23 -0.06%
Talladega - Sylacauga 30 Year USDA Refi 2022-06-23 -0.07%
Talladega - Sylacauga 30 Year VA 2022-06-23 0.41%
Talladega - Sylacauga 30 Year VA Refi 2022-06-23 -0.24%
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 lendor, 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 2021 Avg. 30yFix Rate 2021 Avg. Total Fees
QUICKEN LOANS, LLC 80 3.18% $4,302
MOVEMENT MORTGAGE, LLC 55 3.21% $3,791
Renasant Bank 53 3.18% $4,174
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 45 3.07% $3,950
UNITED WHOLESALE MORTGAGE, LLC 33 3.03% $3,977
Heritage South Credit Union 28 3.88% $2,115
Regions Bank 28 3.19% $2,586
LOANDEPOT.COM, LLC 19 3.03% $4,231
SECURITYNATIONAL MORTGAGE COMPANY 16 3.84% $3,548
SouthPoint Bank 13 2.86% $1,834
MORTGAGE INVESTORS GROUP, INC. 13 2.96% $3,483
Ameris Bank 13 2.92% $3,931
Mr. Cooper ( Nationstar Mortgage ) 10 3.57% $5,186
Wells Fargo Bank 10 3.23% $2,988
GUILD MORTGAGE COMPANY 10 3.23% $4,402
HOME POINT FINANCIAL CORPORATION 10 3.07% $4,351
AOD Federal Credit Union 8 3.26% $3,579
INTERLINC MORTGAGE SERVICES, LLC 8 3.34% $2,369
FIRST COMMUNITY MORTGAGE, INC. 8 3.11% $4,593
FirstBank 8 3.01% $3,906
FBC MORTGAGE, LLC 7 3.12% $2,984
Hometown Lenders, Inc. 7 3.43% $3,926
VANDERBILT MORTGAGE AND FINANCE, INC. 6 3.42% $3,467
AMERISAVE MORTGAGE CORPORATION 6 2.96% $5,223
AVADIAN 5 3.10% $2,441
NexBank 5 3.03% $4,159
PENNYMAC LOAN SERVICES, LLC 5 3.35% $2,503
BancorpSouth Bank 5 3.43% $2,742
SUCCESS MORTGAGE PARTNERS, INC. 5 3.43% $4,199
TJC Mortgage, Inc. 5 3.18% $4,286
BETTER MORTGAGE CORPORATION 5 2.85% $6,060
HUNT MORTGAGE CORPORATION 5 3.20% $3,202
CALIBER HOME LOANS, INC. 5 3.35% $3,006
Liberty Mortgage Corporation 5 3.03% $2,545
Trustmark National Bank 4 3.25% $3,448
NEWREZ LLC 4 3.28% $4,103
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 4 3.66% $3,989
APCO EMPLOYEES 4 3.06% $3,144
GENEVA FINANCIAL, LLC 3 3.92% $4,746
Wyndham Capital Mortgage, Inc. 3 3.37% $3,756
CMG MORTGAGE, INC. 3 3.04% $5,060
GMFS LLC 3 2.92% $2,695
U.S. Bank 3 3.04% $2,759
First Guaranty Mortgage Corporation 3 3.17% $3,575
Synovus Bank 3 3.17% $4,639
Flagstar Bank, FSB 3 3.25% $3,275
HOMESTAR FINANCIAL CORPORATION 3 3.21% $3,758
ALABAMA TEACHERS 3 3.67% $1,480
AMERICA'S FIRST 3 2.88% $4,069
Citizens Bank 2 3.31% $4,177
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 2 3.38% $3,591
RELIANCE FIRST CAPITAL, LLC 2 3.25% $8,577
REDSTONE Federal Credit Union 2 3.19% $2,360
Ixonia Bank 2 2.63% $9,193
JPMorgan Chase Bank 2 3.50% $3,625
FINANCE OF AMERICA MORTGAGE LLC 2 3.88% $4,535
Triumph Bank 2 3.25% $2,282
AlaTrust Credit Union 2 3.38% $3,707
Prosperity Home Mortgage, LLC 2 3.06% $3,057
PRIMELENDING, A PLAINSCAPITAL COMPANY 2 3.62% $6,366
EVANSVILLE TEACHERS 2 3.25% $3,457
Pinnacle Bank 2 3.56% $3,237
AMERIFIRST FINANCIAL CORPORATION 2 3.69% $3,864
BBVA USA 2 3.31% $3,555
CHURCHILL MORTGAGE CORPORATION 2 3.44% $3,967
Amerifirst Financial, Inc. 2 3.38% $3,857
ARK-LA-TEX FINANCIAL SERVICES, LLC. 2 3.38% $5,914
CRESCENT MORTGAGE COMPANY 2 3.06% $2,565
Nations Lending Corporation 2 3.38% $4,297
HOMEOWNERS FINANCIAL GROUP USA, LLC 2 3.44% $3,281
HONDA Federal Credit Union 2 3.31% $5,023
LEADERONE FINANCIAL CORPORATION 2 3.37% $6,518
South State Bank 1 3.13% $4,980
Ally Bank 1 3.00% $3,282
A Mortgage Boutique, LLC 1 2.88% $4,485
ANGEL OAK MORTGAGE SOLUTIONS LLC 1 5.13% $4,778
Assurance Financial Group, L.L.C. 1 3.38% $4,167
Bank of America 1 3.13% $3,148
Blue Ridge Bank 1 3.25% $2,139
BROKER SOLUTIONS, INC. 1 2.85% $4,949
Cadence Bank, N.A. 1 2.75% $348
CB&S Bank, Inc. 1 2.50% $3,016
Colten Mortgage, LLC 1 3.25% $2,757
Community Bank of Mississippi 1 3.00% $2,245
CONTOUR MORTGAGE CORPORATION 1 3.25% $8,123
DAS Acquisition Company, LLC 1 3.25% $3,479
Eco Credit Union 1 3.00% $7,429
Evolve Bank & Trust 1 3.50% $2,045
Fifth Third Bank 1 2.99% $4,161
First Federal Bank, A FSB 1 3.25% $2,505
First Horizon Bank 1 3.13% $2,992
FREEDOM MORTGAGE CORPORATION 1 2.63% $4,722
GEORGIA'S OWN 1 2.88% $2,060
GUARANTEED RATE, INC. 1 2.75% $2,654
GUARANTY HOME MORTGAGE CORPORATION 1 2.63% $2,557
InterContinental Capital Group, Inc 1 2.88% $3,396
INTOUCH CREDIT UNION 1 3.38% $3,127
KELLER MORTGAGE, LLC 1 3.00% $2,167
LAKEVIEW LOAN SERVICING, LLC 1 3.63% $2,532
LENDERFI, INC. 1 2.88% $1,278
MAX Credit Union 1 3.50% $3,797
Metro City Bank 1 3.75% $4,287
MICHIGAN MUTUAL, INC. 1 3.13% $872
MUTUAL OF OMAHA MORTGAGE, INC. 1 3.88% $6,004
Northpointe Bank 1 3.63% $5,836
Paramount Residential Mortgage Group, Inc. 1 3.50% $9,315
PENTAGON FEDERAL CREDIT UNION 1 2.75% $2,572
PNC Bank 1 2.88% $4,701
Progress Bank and Trust 1 3.25% $2,273
ServisFirst Bank 1 3.25% $2,740
Alabama One Credit Union 1 3.63% $4,034
SOVEREIGN LENDING GROUP INCORPORATED 1 2.75% $4,019
The Central Trust Bank 1 2.87% $2,132
Truist Bank 1 3.38% $4,391
United Community Bank 1 3.63% $3,926

Talladega-Sylacauga, AL's 115 lenders originated 2,174 loans during 2021. The total origination value was $367,720,000, with an average loan value of $169,144.

The top Talladega - Sylacauga lender as defined by loan originations is QUICKEN LOANS, LLC, with 80 loans originated. Their average total fees are $4,302, which is $511 higher than the next largest lender, MOVEMENT MORTGAGE, LLC.

The lowest fee Talladega - Sylacauga lenders (with over 10 loans originated) are SouthPoint Bank ($1,834), Heritage South Credit Union ($2,115), Regions Bank ($2,586), Wells Fargo Bank ($2,988) and MORTGAGE INVESTORS GROUP, INC. ($3,483).

The lowest rate Talladega - Sylacauga lenders (with over 10 loans originated) are SouthPoint Bank (2.86%), Ameris Bank (2.92%), MORTGAGE INVESTORS GROUP, INC. (2.96%), UNITED WHOLESALE MORTGAGE, LLC (3.03%) and LOANDEPOT.COM, LLC (3.03%).

Talladega-Sylacauga, AL Lender 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 2020 Loan Value 2021 Loan Value % Change 2021 Market Share
QUICKEN LOANS, LLC $24,675,000 $34,130,000 38.3% 9.3%
MOVEMENT MORTGAGE, LLC $5,840,000 $24,380,000 317.5% 6.6%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $22,665,000 $22,355,000 -1.4% 6.1%
Renasant Bank $16,900,000 $15,755,000 -6.8% 4.3%
UNITED WHOLESALE MORTGAGE, LLC $7,565,000 $13,610,000 79.9% 3.7%
Regions Bank $10,905,000 $11,990,000 9.9% 3.3%
FREEDOM MORTGAGE CORPORATION $15,035,000 $10,005,000 -33.5% 2.7%
SouthPoint Bank $4,785,000 $8,530,000 78.3% 2.3%
LOANDEPOT.COM, LLC $4,460,000 $7,600,000 70.4% 2.1%
Heritage South Credit Union $5,255,000 $7,585,000 44.3% 2.1%
Mortgage Research Center, LLC $4,050,000 $6,815,000 68.3% 1.9%
VANDERBILT MORTGAGE AND FINANCE, INC. $5,570,000 $5,980,000 7.4% 1.6%
TJC Mortgage, Inc. $3,035,000 $5,550,000 82.9% 1.5%
First Bank of Alabama $6,435,000 $5,480,000 -14.8% 1.5%
Ameris Bank $8,155,000 $5,360,000 -34.3% 1.5%
Mr. Cooper ( Nationstar Mortgage ) $5,175,000 $5,220,000 0.9% 1.4%
BancorpSouth Bank $1,870,000 $4,950,000 164.7% 1.3%
Hometown Lenders, Inc. $3,475,000 $4,895,000 40.9% 1.3%
PENNYMAC LOAN SERVICES, LLC $1,945,000 $4,740,000 143.7% 1.3%
FIRST COMMUNITY MORTGAGE, INC. $470,000 $4,610,000 880.9% 1.3%
MORTGAGE INVESTORS GROUP, INC. $2,315,000 $4,570,000 97.4% 1.2%
INTERLINC MORTGAGE SERVICES, LLC $2,410,000 $4,530,000 88.0% 1.2%
FBC MORTGAGE, LLC $5,825,000 $4,380,000 -24.8% 1.2%
21ST MORTGAGE CORPORATION $2,810,000 $4,120,000 46.6% 1.1%
AMERICA'S FIRST $2,555,000 $4,080,000 59.7% 1.1%
FirstBank $2,390,000 $3,810,000 59.4% 1.0%
GUILD MORTGAGE COMPANY $2,805,000 $3,805,000 35.7% 1.0%
HOME POINT FINANCIAL CORPORATION $4,155,000 $3,750,000 -9.7% 1.0%
AMERISAVE MORTGAGE CORPORATION $2,075,000 $3,520,000 69.6% 1.0%
SUCCESS MORTGAGE PARTNERS, INC. $2,705,000 $3,345,000 23.7% 0.9%
HUNT MORTGAGE CORPORATION $3,905,000 $3,255,000 -16.6% 0.9%
NEWREZ LLC $390,000 $3,065,000 685.9% 0.8%
Wells Fargo Bank $5,125,000 $3,065,000 -40.2% 0.8%
LAKEVIEW LOAN SERVICING, LLC $2,370,000 $3,055,000 28.9% 0.8%
USAA Federal Savings Bank $3,025,000 $2,905,000 -4.0% 0.8%
Liberty Mortgage Corporation $2,790,000 $2,480,000 -11.1% 0.7%
BAYSHORE MORTGAGE FUNDING, LLC $310,000 $2,435,000 685.5% 0.7%
SOUTHWEST FUNDING, LP $920,000 $2,295,000 149.5% 0.6%
Synovus Bank $1,130,000 $2,255,000 99.6% 0.6%
Truist Bank $6,650,000 $2,225,000 -66.5% 0.6%
Prosperity Home Mortgage, LLC $2,295,000 $2,180,000 -5.0% 0.6%
AOD Federal Credit Union $4,260,000 $2,075,000 -51.3% 0.6%
Flagstar Bank, FSB $735,000 $2,070,000 181.6% 0.6%
TRIAD FINANCIAL SERVICES, INC. $695,000 $2,045,000 194.2% 0.6%
CALIBER HOME LOANS, INC. $2,090,000 $2,030,000 -2.9% 0.6%
Metro Bank $1,890,000 $1,930,000 2.1% 0.5%
SECURITYNATIONAL MORTGAGE COMPANY $880,000 $1,750,000 98.9% 0.5%
Trustmark National Bank $1,650,000 $1,740,000 5.5% 0.5%
LEADERONE FINANCIAL CORPORATION $380,000 $1,725,000 353.9% 0.5%
First Federal Bank, A FSB $1,085,000 $1,705,000 57.1% 0.5%
BETTER MORTGAGE CORPORATION $245,000 $1,675,000 583.7% 0.5%
PNC Bank $1,250,000 $1,615,000 29.2% 0.4%
HONDA Federal Credit Union $2,480,000 $1,610,000 -35.1% 0.4%
AlaTrust Credit Union $1,425,000 $1,595,000 11.9% 0.4%
CROSSCOUNTRY MORTGAGE, LLC $2,670,000 $1,575,000 -41.0% 0.4%
HOMESTAR FINANCIAL CORPORATION $395,000 $1,545,000 291.1% 0.4%
NEW DAY FINANCIAL, LLC $890,000 $1,475,000 65.7% 0.4%
APCO EMPLOYEES $1,020,000 $1,460,000 43.1% 0.4%
NAVY FEDERAL CREDIT UNION $1,070,000 $1,445,000 35.0% 0.4%
GMFS LLC $1,670,000 $1,340,000 -19.8% 0.4%
NexBank $1,530,000 $1,280,000 -16.3% 0.3%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $995,000 $1,205,000 21.1% 0.3%
U.S. Bank $1,070,000 $1,180,000 10.3% 0.3%
BBVA USA $1,575,000 $1,150,000 -27.0% 0.3%
VILLAGE CAPITAL & INVESTMENT LLC $1,530,000 $1,085,000 -29.1% 0.3%
NobleBank & Trust $255,000 $1,075,000 321.6% 0.3%
AMERICAN FINANCIAL RESOURCES, INC. $535,000 $1,050,000 96.3% 0.3%
CSL Financial, LLC $755,000 $1,015,000 34.4% 0.3%
RELIANCE FIRST CAPITAL, LLC $510,000 $980,000 92.2% 0.3%
CMG MORTGAGE, INC. $220,000 $915,000 315.9% 0.2%
AVADIAN $1,605,000 $905,000 -43.6% 0.2%
Citizens Bank $2,180,000 $900,000 -58.7% 0.2%
EVANSVILLE TEACHERS $420,000 $880,000 109.5% 0.2%
Barrington Bank & Trust Company, N.A. $630,000 $835,000 32.5% 0.2%
GENEVA FINANCIAL, LLC $460,000 $825,000 79.3% 0.2%
Low VA Rates, LLC $615,000 $815,000 32.5% 0.2%
PRIMELENDING, A PLAINSCAPITAL COMPANY $810,000 n/a 0.2%
Wyndham Capital Mortgage, Inc. $255,000 $810,000 217.6% 0.2%
HOMEBRIDGE FINANCIAL SERVICES, INC. $1,130,000 $800,000 -29.2% 0.2%
SOUTHWEST STAGE FUNDING, LLC $405,000 $750,000 85.2% 0.2%
A Mortgage Boutique, LLC $895,000 $740,000 -17.3% 0.2%
Northpointe Bank $150,000 $735,000 390.0% 0.2%
ALABAMA TEACHERS $1,030,000 $730,000 -29.1% 0.2%
Carrington Mortgage Services, LLC $660,000 $720,000 9.1% 0.2%
Bank of America $405,000 $705,000 74.1% 0.2%
BankPlus $705,000 n/a 0.2%
The Federal Savings Bank $440,000 $700,000 59.1% 0.2%
JPMorgan Chase Bank $780,000 $625,000 -19.9% 0.2%
CLEARPATH LENDING $1,255,000 $605,000 -51.8% 0.2%
CB&S Bank, Inc. $2,235,000 $590,000 -73.6% 0.2%
REDSTONE Federal Credit Union $590,000 n/a 0.2%
DRAPER AND KRAMER MORTGAGE CORP. $145,000 $585,000 303.4% 0.2%
Reliant Bank $340,000 $580,000 70.6% 0.2%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $570,000 n/a 0.2%
Ixonia Bank $550,000 n/a 0.1%
Nations Lending Corporation $540,000 n/a 0.1%
CIS Financial Services, Inc. $145,000 $535,000 269.0% 0.1%
First Guaranty Mortgage Corporation $690,000 $530,000 -23.2% 0.1%
MUTUAL OF OMAHA MORTGAGE, INC. $385,000 $530,000 37.7% 0.1%
ServisFirst Bank $610,000 $520,000 -14.8% 0.1%
Triumph Bank $510,000 n/a 0.1%
Bank of England $470,000 $505,000 7.4% 0.1%
InterContinental Capital Group, Inc $505,000 n/a 0.1%
FINANCE OF AMERICA COMMERCIAL LLC $490,000 n/a 0.1%
North American Savings Bank, F.S.B. $515,000 $485,000 -5.8% 0.1%
SUN WEST MORTGAGE COMPANY, INC. $250,000 $485,000 94.0% 0.1%
The Central Trust Bank $475,000 n/a 0.1%
CRESCENT MORTGAGE COMPANY $470,000 n/a 0.1%
FINANCE OF AMERICA MORTGAGE LLC $725,000 $470,000 -35.2% 0.1%
AMERIFIRST FINANCIAL CORPORATION $465,000 n/a 0.1%
First Horizon Bank $460,000 n/a 0.1%
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. $445,000 $460,000 3.4% 0.1%
Paramount Residential Mortgage Group, Inc. $95,000 $460,000 384.2% 0.1%
PLANET HOME LENDING, LLC $325,000 $460,000 41.5% 0.1%
Eco Credit Union $455,000 n/a 0.1%
AmeriHome Mortgage Company, LLC $720,000 $450,000 -37.5% 0.1%
LENDUS, LLC $430,000 n/a 0.1%
Investar Bank $425,000 n/a 0.1%
Progress Bank and Trust $125,000 $405,000 224.0% 0.1%
Amerifirst Financial, Inc. $380,000 n/a 0.1%
HOMESIDE FINANCIAL, LLC $380,000 n/a 0.1%
KELLER MORTGAGE, LLC $145,000 $375,000 158.6% 0.1%
Central State Bank $475,000 $370,000 -22.1% 0.1%
Blue Ridge Bank $365,000 n/a 0.1%
HOMEOWNERS FINANCIAL GROUP USA, LLC $340,000 $365,000 7.4% 0.1%
ISERVE RESIDENTIAL LENDING, LLC $225,000 $360,000 60.0% 0.1%
CHURCHILL MORTGAGE CORPORATION $530,000 $350,000 -34.0% 0.1%
Magnolia Bank $350,000 n/a 0.1%
GUARANTY HOME MORTGAGE CORPORATION $1,085,000 $345,000 -68.2% 0.1%
Fifth Third Bank $260,000 $335,000 28.8% 0.1%
Alabama One Credit Union $310,000 n/a 0.1%
Citizens Bank & Trust $305,000 n/a 0.1%
Gulf Winds Credit Union $305,000 n/a 0.1%
Assurance Financial Group, L.L.C. $435,000 $300,000 -31.0% 0.1%
LENDERFI, INC. $295,000 n/a 0.1%
BROKER SOLUTIONS, INC. $925,000 $280,000 -69.7% 0.1%
SOFI LENDING CORP. $275,000 n/a 0.1%
BNC National Bank $285,000 $270,000 -5.3% 0.1%
Southern States Bank $1,650,000 $270,000 -83.6% 0.1%
MICHIGAN MUTUAL, INC. $265,000 n/a 0.1%
TEMPLE VIEW CAPITAL FUNDING, LP $260,000 n/a 0.1%
Cadence Bank, N.A. $745,000 $255,000 -65.8% 0.1%
Figure Lending LLC $210,000 $250,000 19.0% 0.1%
CONTOUR MORTGAGE CORPORATION $285,000 $245,000 -14.0% 0.1%
Visio Financial Services Inc. $245,000 n/a 0.1%
Ally Bank $240,000 n/a 0.1%
PENTAGON FEDERAL CREDIT UNION $165,000 $240,000 45.5% 0.1%
ACCELERATE MORTGAGE, LLC $215,000 n/a 0.1%
CityWorth Mortgage LLC $155,000 $215,000 38.7% 0.1%
DAS Acquisition Company, LLC $215,000 n/a 0.1%
Leaders Credit Union $215,000 n/a 0.1%
Pinnacle Bank $210,000 n/a 0.1%
ROYAL UNITED MORTGAGE LLC $1,070,000 $210,000 -80.4% 0.1%
Bryant Bank $205,000 n/a 0.1%
Colonial Savings, F.A. $205,000 n/a 0.1%
NP, Inc. $205,000 n/a 0.1%
AMERICAN ADVISORS GROUP $155,000 $200,000 29.0% 0.1%
ANGEL OAK MORTGAGE SOLUTIONS LLC $195,000 n/a 0.1%
Firstar Bank $195,000 n/a 0.1%
Goldwater Bank, N.A. $500,000 $195,000 -61.0% 0.1%
Listerhill Credit Union $195,000 n/a 0.1%
SOVEREIGN LENDING GROUP INCORPORATED $185,000 $195,000 5.4% 0.1%
United Community Bank $515,000 $185,000 -64.1% 0.1%
Gateway First Bank $225,000 $175,000 -22.2% 0.0%
MAX Credit Union $175,000 n/a 0.0%
GoPrime Mortgage, Inc. $230,000 $165,000 -28.3% 0.0%
Metro City Bank $165,000 n/a 0.0%
ALABAMA STATE EMPLOYEES CREDIT UNION $155,000 n/a 0.0%
Colten Mortgage, LLC $155,000 n/a 0.0%
Community Bank of Mississippi $155,000 n/a 0.0%
EvaBank $170,000 $155,000 -8.8% 0.0%
INTOUCH CREDIT UNION $155,000 n/a 0.0%
South State Bank $360,000 $150,000 -58.3% 0.0%
CERTAINTY HOME LOANS, LLC $155,000 $145,000 -6.5% 0.0%
Manufacturers and Traders Trust Company $145,000 n/a 0.0%
Mid-Continent Funding, Inc. $295,000 $145,000 -50.8% 0.0%
STEARNS LENDING, LLC $195,000 $145,000 -25.6% 0.0%
GUARANTEED RATE, INC. $140,000 n/a 0.0%
SUPERIOR CHOICE $135,000 n/a 0.0%
AMERICAN PACIFIC MORTGAGE CORPORATION $125,000 n/a 0.0%
ANGEL OAK HOME LOANS LLC $125,000 n/a 0.0%
FAY SERVICING, LLC $125,000 n/a 0.0%
Fort McClellan Credit Union $625,000 $125,000 -80.0% 0.0%
ZILLOW HOME LOANS, LLC $125,000 n/a 0.0%
HOMETRUST MORTGAGE COMPANY $135,000 $115,000 -14.8% 0.0%
MILEND, INC. $205,000 $115,000 -43.9% 0.0%
RUOFF MORTGAGE COMPANY, INC. $115,000 n/a 0.0%
LENDINGONE, LLC $105,000 n/a 0.0%
ALABAMA CREDIT UNION $185,000 $95,000 -48.6% 0.0%
AMERICAN FINANCIAL NETWORK, INC. $595,000 $95,000 -84.0% 0.0%
DHI MORTGAGE COMPANY, LTD. $95,000 n/a 0.0%
LIMA ONE CAPITAL, LLC $125,000 $95,000 -24.0% 0.0%
Evolve Bank & Trust $85,000 n/a 0.0%
1st Franklin Financial Corporation $85,000 $75,000 -11.8% 0.0%
Home Federal Savings & Loan Association of Grand Island $65,000 n/a 0.0%
GEORGIA'S OWN $55,000 n/a 0.0%
PLAZA HOME MORTGAGE, INC. $115,000 $55,000 -52.2% 0.0%
CREDIT HUMAN FEDERAL CREDIT UNION $75,000 $45,000 -40.0% 0.0%

Talladega - Sylacauga's top lender by overall market share is QUICKEN LOANS, LLC, with 9.3% market share. In second place, with 6.6%, is MOVEMENT MORTGAGE, LLC, having originated $24,380,000 in loans. In third place, with 6.1%, is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, having originated $22,355,000 in loans. In third place, with 4.3%, is Renasant Bank, having originated $15,755,000 in loans. In third place, with 3.7%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $13,610,000 in loans.


Talladega-Sylacauga, AL Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 1,078 $187,100,000 $173,562
Refi 626 $108,740,000 $173,706
Cash Out Refi 368 $63,140,000 $171,576
Home Improvement 60 $4,220,000 $70,333
Other 42 $4,520,000 $107,619

Talladega - Sylacauga's most frequently cited loan purpose was Home Purchase, with 1,078 originations. The 2nd most popular reason was Refi, with 626 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
3-4% 772 $130,820,000 $169,456
2.5-3% 765 $142,875,000 $186,765
<2.5% 303 $58,975,000 $194,637
4-5% 97 $11,255,000 $116,031
Over 8% 67 $4,725,000 $70,522
5-6% 33 $3,605,000 $109,242
7-8% 30 $3,010,000 $100,333
6-7% 25 $2,165,000 $86,600

During 2021, Talladega - Sylacauga's most frequently originated rate bucket was 3-4%, with 772 originations.

Loan Sizing (Talladega-Sylacauga, AL MSA)

Loan Size Originations Total Value Average Loan
$100k-200k 1,035 $151,275,000 $146,159
$200k-400k 546 $145,710,000 $266,868
$100,000 or less 530 $35,800,000 $67,547
$400k-600k 55 $26,035,000 $473,364
$600k-1000k 5 $3,815,000 $763,000
$Over $1MM 3 $5,085,000 $1,695,000

Talladega - Sylacauga's loan sizing saw the bucket of loans from $100k-200k with 1,035 originations, totaling $151,275,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 1,045 $187,985,000 $179,890
60-80% 623 $110,905,000 $178,018
40-60% 185 $27,965,000 $151,162
20-40% 77 $6,975,000 $90,584
Under 20% 44 $1,420,000 $32,273
Over 100% 29 $7,625,000 $262,931

Talladega - Sylacauga's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 1,045 originations, totaling $187,985,000 in origination value.


Market Conditions (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 $159,900 (11.5%) $211,919 (6.9%) 0.00 306
2018-02-01 $159,900 (7.4%) $210,453 (0.2%) 0.00 298
2018-03-01 $161,500 (6.0%) $226,612 (0.7%) 0.00 295
2018-04-01 $169,900 (7.5%) $244,957 (7.2%) 0.00 297
2018-05-01 $175,000 (5.3%) $250,437 (5.8%) 0.00 294
2018-06-01 $175,000 (5.0%) $253,916 (8.4%) 0.00 307
2018-07-01 $169,450 (2.7%) $247,349 (9.6%) 0.00 310
2018-08-01 $167,500 (1.5%) $248,388 (11.6%) 0.00 330
2018-09-01 $167,500 (4.7%) $251,655 (15.4%) 0.00 334
2018-10-01 $166,500 (4.3%) $258,218 (21.2%) 0.00 345
2018-11-01 $164,950 (3.1%) $260,891 (20.3%) 0.00 333
2018-12-01 $157,500 (-1.6%) $256,864 (20.1%) 0.00 308
2019-01-01 $159,250 (-0.4%) $249,053 (17.5%) 0.00 292
2019-02-01 $159,900 (0.0%) $250,316 (18.9%) 0.00 301
2019-03-01 $166,286 (3.0%) $265,983 (17.4%) 0.00 293
2019-04-01 $169,950 (0.0%) $274,038 (11.9%) 0.00 291
2019-05-01 $179,900 (2.8%) $274,959 (9.8%) 0.00 290
2019-06-01 $182,900 (4.5%) $275,901 (8.7%) 0.00 305
2019-07-01 $171,000 (0.9%) $266,614 (7.8%) 0.00 327
2019-08-01 $173,243 (3.4%) $265,070 (6.7%) 0.00 328
2019-09-01 $174,493 (4.2%) $264,914 (5.3%) 0.00 327
2019-10-01 $174,900 (5.1%) $269,721 (4.5%) 0.00 328
2019-11-01 $172,900 (4.8%) $257,651 (-1.2%) 0.00 323
2019-12-01 $173,700 (10.3%) $248,394 (-3.3%) 0.00 314
2020-01-01 $174,500 (9.6%) $257,166 (3.3%) 0.00 289
2020-02-01 $173,900 (8.8%) $259,428 (3.6%) 0.00 290
2020-03-01 $179,700 (8.1%) $254,978 (-4.1%) 0.00 286
2020-04-01 $170,765 (0.5%) $250,814 (-8.5%) 0.00 282
2020-05-01 $169,900 (-5.6%) $246,587 (-10.3%) 0.00 261
2020-06-01 $182,900 (0.0%) $253,732 (-8.0%) 0.00 230
2020-07-01 $189,900 (11.1%) $269,303 (1.0%) 0.00 195
2020-08-01 $186,000 (7.4%) $255,915 (-3.5%) 0.00 180
2020-09-01 $187,400 (7.4%) $271,133 (2.4%) 0.00 170
2020-10-01 $184,900 (5.7%) $279,377 (3.6%) 0.00 152
2020-11-01 $184,900 (6.9%) $262,064 (1.7%) 0.00 169
2020-12-01 $180,750 (4.1%) $253,674 (2.1%) 0.00 162
2021-01-01 $179,000 (2.6%) $264,727 (2.9%) 0.00 141
2021-02-01 $166,270 (-4.4%) $275,690 (6.3%) 0.00 130
2021-03-01 $174,950 (-2.6%) $283,125 (11.0%) 0.00 136
2021-04-01 $176,215 (3.2%) $305,349 (21.7%) 0.00 123
2021-05-01 $189,000 (11.2%) $320,271 (29.9%) 0.00 129
2021-06-01 $205,880 (12.6%) $337,248 (32.9%) 0.00 129
2021-07-01 $224,900 (18.4%) $334,313 (24.1%) 0.00 145
2021-08-01 $204,450 (9.9%) $328,659 (28.4%) 0.00 158
2021-09-01 $185,000 (-1.3%) $315,121 (16.2%) 0.00 147
2021-10-01 $179,900 (-2.7%) $308,641 (10.5%) 0.00 155
2021-11-01 $169,950 (-8.1%) $310,936 (18.7%) 0.00 141
2021-12-01 $178,950 (-1.0%) $321,827 (26.9%) 0.00 134
2022-01-01 $184,500 (3.1%) $318,982 (20.5%) 0.00 123
2022-02-01 $199,500 (20.0%) $310,784 (12.7%) 0.00 114
2022-03-01 $179,450 (2.6%) $276,206 (-2.4%) 0.00 95
2022-04-01 $185,000 (5.0%) $287,185 (-6.0%) 0.00 107
2022-05-01 $219,450 (16.1%) $297,237 (-7.2%) 0.00 145
Talladega - Sylacauga's median listing price for 2022-05-01 was $219,450, a difference of $30,450 (16.1%) versus the prior year and $34,450 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 2022-05-01 was $297,237, a difference of $-23,034 (-7.2%) versus the prior year and $10,052 versus the prior month.

For the 2022-05-01 period, Talladega - Sylacauga had 145 MLS listings, a difference of 38 listings (36%) versus the prior month and 16 listings (12%) 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 1,868 sqft
2018-02-01 0 days 1,863 sqft
2018-03-01 0 days 1,908 sqft
2018-04-01 0 days 1,942 sqft
2018-05-01 0 days 1,975 sqft
2018-06-01 0 days 1,958 sqft
2018-07-01 0 days 1,900 sqft
2018-08-01 0 days 1,884 sqft
2018-09-01 0 days 1,863 sqft
2018-10-01 0 days 1,836 sqft
2018-11-01 0 days 1,839 sqft
2018-12-01 0 days 1,831 sqft
2019-01-01 0 days 1,800 sqft
2019-02-01 0 days 1,800 sqft
2019-03-01 0 days 1,829 sqft
2019-04-01 0 days 1,873 sqft
2019-05-01 0 days 1,897 sqft
2019-06-01 0 days 1,860 sqft
2019-07-01 0 days 1,807 sqft
2019-08-01 0 days 1,810 sqft
2019-09-01 0 days 1,782 sqft
2019-10-01 0 days 1,800 sqft
2019-11-01 0 days 1,801 sqft
2019-12-01 0 days 1,801 sqft
2020-01-01 0 days 1,833 sqft
2020-02-01 0 days 1,881 sqft
2020-03-01 0 days 1,839 sqft
2020-04-01 0 days 1,804 sqft
2020-05-01 0 days 1,804 sqft
2020-06-01 0 days 1,802 sqft
2020-07-01 0 days 1,915 sqft
2020-08-01 0 days 1,909 sqft
2020-09-01 0 days 1,887 sqft
2020-10-01 0 days 1,908 sqft
2020-11-01 0 days 1,838 sqft
2020-12-01 0 days 1,811 sqft
2021-01-01 0 days 1,794 sqft
2021-02-01 0 days 1,691 sqft
2021-03-01 0 days 1,693 sqft
2021-04-01 0 days 1,748 sqft
2021-05-01 0 days 1,693 sqft
2021-06-01 0 days 1,776 sqft
2021-07-01 0 days 1,874 sqft
2021-08-01 0 days 1,747 sqft
2021-09-01 0 days 1,691 sqft
2021-10-01 0 days 1,743 sqft
2021-11-01 0 days 1,765 sqft
2021-12-01 0 days 1,685 sqft
2022-01-01 0 days 1,655 sqft
2022-02-01 0 days 1,734 sqft
2022-03-01 0 days 1,673 sqft
2022-04-01 0 days 1,680 sqft
2022-05-01 0 days 1,677 sqft
Talladega - Sylacauga's median listing age (time on market) for 2022-05-01 was 0 days.

Talladega - Sylacauga's median square footage for active listings during the 2022-05-01 period was 1,677 sqft. One year prior, the average listing was 1,693 sqft.