Urbana Mortgage Rates

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

30 Year Fixed Rate mortgages in Urbana averaged 5.87% 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 5.94% and one month ago for the week of 2022-05-19, the average rate was 5.31%.

Urbana's average rate one year ago was 2.99%.

For refis of the same type during the week of 2022-06-23, the average rate was 6.23%.

Loan Type Date Rate
US 30 Year Fixed Rate 2022-06-23 5.81%
Urbana 30 Year Fixed Rate 2022-06-23 5.87%
Urbana 30 Year Fixed Rate Refi 2022-06-23 6.23%
Urbana 15 Year Fixed Rate 2022-06-23 5.17%
Urbana 15 Year Fixed Rate Refi 2022-06-23 5.29%
Urbana 30 Year FHA 2022-06-23 0.48%
Urbana 30 Year FHA Refi 2022-06-23 0.03%
Urbana 30 Year USDA 2022-06-23 0.12%
Urbana 30 Year USDA Refi 2022-06-23 -0.13%
Urbana 30 Year VA 2022-06-23 0.49%
Urbana 30 Year VA Refi 2022-06-23 -0.12%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Urbana, OH.

Urbana 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 Urbana, OH 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 64 3.22% $5,062
WRIGHT-PATT CREDIT UNION, INC. 49 3.33% $1,922
The Farmers & Merchants State Bank 28 3.15% $1,378
The Park National Bank 26 3.25% $3,482
CALIBER HOME LOANS, INC. 23 3.16% $3,576
The Huntington National Bank 19 3.11% $4,804
Union Savings Bank 19 3.03% $1,507
HONDA Federal Credit Union 17 3.19% $2,682
Civista Bank 13 3.12% $3,248
UNION HOME MORTGAGE CORP. 13 3.42% $4,061
LOANDEPOT.COM, LLC 13 3.10% $4,235
CROSSCOUNTRY MORTGAGE, LLC 12 3.56% $4,640
Fifth Third Bank 12 3.36% $2,767
EQUITY RESOURCES, INC. 11 3.24% $2,642
JPMorgan Chase Bank 10 3.20% $2,300
T2 FINANCIAL LLC 9 3.43% $3,952
THRIVE MORTGAGE, LLC 9 3.43% $3,282
The Merchants National Bank 7 3.50% $1,920
NFM, INC. 7 3.45% $4,444
Wells Fargo Bank 6 3.40% $3,054
HOME POINT FINANCIAL CORPORATION 6 3.02% $2,655
Mr. Cooper ( Nationstar Mortgage ) 6 3.44% $4,788
U.S. Bank 6 3.08% $2,688
UNITED WHOLESALE MORTGAGE, LLC 6 3.16% $3,001
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 5 3.35% $4,019
Flagstar Bank, FSB 5 3.30% $4,223
Farm Credit Mid-America, ACA 5 3.48% $8,418
The Richwood Banking Company 5 3.51% $2,486
MOVEMENT MORTGAGE, LLC 5 3.22% $2,824
PENNYMAC LOAN SERVICES, LLC 5 3.50% $4,945
Northwest Bank 4 3.47% $3,199
The State Bank and Trust Company 4 3.13% $3,800
Carrington Mortgage Services, LLC 4 3.47% $4,279
Evolve Bank & Trust 4 3.31% $4,204
THE EQUITABLE MORTGAGE CORPORATION 4 3.06% $2,677
LIBERTY HOME MORTGAGE CORPORATION 4 3.41% $5,403
RUOFF MORTGAGE COMPANY, INC. 4 2.94% $4,854
PRIMELENDING, A PLAINSCAPITAL COMPANY 4 3.16% $3,521
AMERISAVE MORTGAGE CORPORATION 4 2.97% $7,513
Liberty National Bank 3 3.25% $3,766
PRIMARY RESIDENTIAL MORTGAGE, INC. 3 3.21% $4,994
FREEDOM MORTGAGE CORPORATION 3 3.13% $1,325
KEMBA FINANCIAL 3 3.21% $2,547
HOMEBRIDGE FINANCIAL SERVICES, INC. 3 3.33% $4,516
AMERICAN FINANCING CORPORATION 2 3.00% $3,358
AMERICAN MORTGAGE SERVICE COMPANY 2 3.31% $5,988
BMI Federal Credit Union 2 3.13% $3,003
First Federal Savings and Loan Association of Lakewood 2 3.27% $4,877
GUARANTEED RATE AFFINITY, LLC 2 3.19% $3,491
GUARANTEED RATE, INC. 2 3.81% $3,816
HALLMARK HOME MORTGAGE, LLC 2 3.63% $3,004
HOMESIDE FINANCIAL, LLC 2 3.13% $2,363
MUTUAL OF OMAHA MORTGAGE, INC. 2 3.69% $5,263
NEWREZ LLC 2 3.19% $5,097
PARTNERS UNITED FINANCIAL, LLC 2 3.50% $3,468
PNC Bank 2 2.88% $2,906
ROYAL UNITED MORTGAGE LLC 2 3.38% $6,698
TELHIO 2 3.63% $3,223
The Citizens National Bank of Bluffton 2 3.00% $2,625
WesBanco Bank, Inc. 2 3.31% $5,542
OCMBC, INC. 1 0.00% $0
Paramount Residential Mortgage Group, Inc. 1 3.50% $4,270
PARKSIDE LENDING, LLC 1 3.63% $4,412
Barrington Bank & Trust Company, N.A. 1 3.13% $2,998
Independent Bank 1 2.88% $6,122
PHH Mortgage Corporation 1 2.88% $6,664
Bank of America 1 3.00% $2,349
POLARIS HOME FUNDING CORP. 1 3.25% $4,666
PREMIA MORTGAGE, LLC 1 2.63% $162
Hometown Lenders, Inc. 1 3.25% $3,674
Gateway First Bank 1 3.25% $2,988
PRIORITY MORTGAGE CORP. 1 3.13% $3,858
First Guaranty Mortgage Corporation 1 3.38% $2,947
RAPID MORTGAGE COMPANY 1 3.25% $4,086
ZILLOW HOME LOANS, LLC 1 3.38% $2,968
First Financial Bank 1 3.25% $3,575
SIBCY CLINE MORTGAGE SERVICES, INC. 1 3.25% $3,333
SOFI LENDING CORP. 1 3.38% $2,632
First Federal Savings and Loan Association 1 2.88% $3,586
TCF National Bank 1 3.00% $2,801
Western Ohio Mortgage Corporation 1 2.75% $3,820
Axos Bank 1 2.38% $6,408
First Bank Richmond 1 2.88% $3,043
Discover Bank 1 5.25% $0
The Federal Savings Bank 1 3.38% $4,413
DIRECT MORTGAGE LOANS, LLC 1 3.25% $4,181
Day Air Credit Union, Inc 1 3.50% $2,391
DAS Acquisition Company, LLC 1 3.00% $3,269
CREDIT UNION MORTGAGE ASSOCIATION, INC. 1 3.13% $3,197
CNB Bank 1 3.00% $4,100
The Union Bank Company 1 2.88% $3,689
Third Federal Savings and Loan Association of Cleveland 1 2.79% $3,133
Citizens Bank 1 3.38% $5,700
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 1 3.25% $4,416
BROKER SOLUTIONS, INC. 1 2.99% $4,690
Mortgage Research Center, LLC 1 2.88% $4,004
LENDUS, LLC 1 3.12% $3,570
UNITED 1 3.00% $3,934
Nations Lending Corporation 1 3.38% $7,771
NAVY FEDERAL CREDIT UNION 1 4.25% $2,150
BETTER MORTGAGE CORPORATION 1 2.88% $13,095
KELLER MORTGAGE, LLC 1 3.00% $2,495
InterContinental Capital Group, Inc 1 3.25% $3,367

Urbana, OH's 103 lenders originated 1,446 loans during 2021. The total origination value was $234,320,000, with an average loan value of $162,047.

The top Urbana lender as defined by loan originations is QUICKEN LOANS, LLC, with 64 loans originated. Their average total fees are $5,062, which is $3,139 higher than the next largest lender, WRIGHT-PATT CREDIT UNION, INC..

The lowest fee Urbana lenders (with over 10 loans originated) are The Farmers & Merchants State Bank ($1,378), Union Savings Bank ($1,507), WRIGHT-PATT CREDIT UNION, INC. ($1,922), JPMorgan Chase Bank ($2,300) and EQUITY RESOURCES, INC. ($2,642).

The lowest rate Urbana lenders (with over 10 loans originated) are Union Savings Bank (3.03%), LOANDEPOT.COM, LLC (3.10%), The Huntington National Bank (3.11%), Civista Bank (3.12%) and The Farmers & Merchants State Bank (3.15%).

Urbana, OH 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 $12,520,000 $22,750,000 81.7% 9.7%
WRIGHT-PATT CREDIT UNION, INC. $14,285,000 $17,685,000 23.8% 7.5%
CALIBER HOME LOANS, INC. $7,340,000 $13,790,000 87.9% 5.9%
The Farmers & Merchants State Bank $10,770,000 n/a 4.6%
The Park National Bank $6,410,000 $8,755,000 36.6% 3.7%
The Huntington National Bank $7,295,000 $7,460,000 2.3% 3.2%
Union Savings Bank $5,210,000 $6,355,000 22.0% 2.7%
LOANDEPOT.COM, LLC $3,740,000 $5,875,000 57.1% 2.5%
HONDA Federal Credit Union $7,725,000 $5,680,000 -26.5% 2.4%
UNION HOME MORTGAGE CORP. $2,220,000 $5,570,000 150.9% 2.4%
CROSSCOUNTRY MORTGAGE, LLC $2,990,000 $5,535,000 85.1% 2.4%
FREEDOM MORTGAGE CORPORATION $3,930,000 $5,305,000 35.0% 2.3%
Fifth Third Bank $2,895,000 $5,005,000 72.9% 2.1%
Civista Bank $2,740,000 $4,330,000 58.0% 1.8%
Liberty National Bank $1,930,000 $4,135,000 114.2% 1.8%
T2 FINANCIAL LLC $1,475,000 $3,150,000 113.6% 1.3%
THRIVE MORTGAGE, LLC $1,395,000 $2,905,000 108.2% 1.2%
Mortgage Research Center, LLC $2,430,000 $2,885,000 18.7% 1.2%
EQUITY RESOURCES, INC. $1,460,000 $2,780,000 90.4% 1.2%
JPMorgan Chase Bank $3,010,000 $2,565,000 -14.8% 1.1%
Farm Credit Mid-America, ACA $1,755,000 $2,430,000 38.5% 1.0%
WesBanco Bank, Inc. $735,000 $2,430,000 230.6% 1.0%
Mr. Cooper ( Nationstar Mortgage ) $1,460,000 $2,375,000 62.7% 1.0%
HOME POINT FINANCIAL CORPORATION $1,535,000 $2,305,000 50.2% 1.0%
PENNYMAC LOAN SERVICES, LLC $1,195,000 $2,285,000 91.2% 1.0%
Flagstar Bank, FSB $85,000 $2,115,000 2,388.2% 0.9%
Wells Fargo Bank $1,150,000 $1,955,000 70.0% 0.8%
First Federal Community Bank of Bucyrus $1,910,000 $1,950,000 2.1% 0.8%
U.S. Bank $3,050,000 $1,930,000 -36.7% 0.8%
NFM, INC. $1,620,000 $1,905,000 17.6% 0.8%
PRIMELENDING, A PLAINSCAPITAL COMPANY $2,455,000 $1,860,000 -24.2% 0.8%
LIBERTY HOME MORTGAGE CORPORATION $210,000 $1,790,000 752.4% 0.8%
The Richwood Banking Company $2,815,000 $1,715,000 -39.1% 0.7%
The Merchants National Bank $425,000 $1,690,000 297.6% 0.7%
RUOFF MORTGAGE COMPANY, INC. $820,000 $1,660,000 102.4% 0.7%
Carrington Mortgage Services, LLC $1,455,000 $1,615,000 11.0% 0.7%
AMERISAVE MORTGAGE CORPORATION $1,305,000 $1,575,000 20.7% 0.7%
NEWREZ LLC $530,000 $1,565,000 195.3% 0.7%
Evolve Bank & Trust $645,000 $1,545,000 139.5% 0.7%
The State Bank and Trust Company $115,000 $1,465,000 1,173.9% 0.6%
LAKEVIEW LOAN SERVICING, LLC $1,455,000 n/a 0.6%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $2,375,000 $1,410,000 -40.6% 0.6%
HOMESIDE FINANCIAL, LLC $1,825,000 $1,305,000 -28.5% 0.6%
The Citizens National Bank of Bluffton $1,675,000 $1,275,000 -23.9% 0.5%
UNITED WHOLESALE MORTGAGE, LLC $870,000 $1,260,000 44.8% 0.5%
MOVEMENT MORTGAGE, LLC $260,000 $1,205,000 363.5% 0.5%
PNC Bank $2,515,000 $1,160,000 -53.9% 0.5%
IH CREDIT UNION, INC. $1,225,000 $1,125,000 -8.2% 0.5%
NEW DAY FINANCIAL, LLC $525,000 $1,120,000 113.3% 0.5%
NAVY FEDERAL CREDIT UNION $1,430,000 $1,115,000 -22.0% 0.5%
Western Ohio Mortgage Corporation $2,440,000 $1,110,000 -54.5% 0.5%
New Carlisle Federal Savings Bank $2,150,000 $1,075,000 -50.0% 0.5%
First Federal Bank of the Midwest $1,025,000 $1,050,000 2.4% 0.4%
BROKER SOLUTIONS, INC. $890,000 $1,025,000 15.2% 0.4%
Northwest Bank $1,025,000 n/a 0.4%
PRIMARY RESIDENTIAL MORTGAGE, INC. $1,000,000 n/a 0.4%
BETTER MORTGAGE CORPORATION $235,000 $990,000 321.3% 0.4%
Pathways Financial Credit Union, Inc. $420,000 $970,000 131.0% 0.4%
KEMBA FINANCIAL $385,000 $960,000 149.4% 0.4%
The Union Bank Company $1,780,000 $925,000 -48.0% 0.4%
GUARANTEED RATE, INC. $360,000 $910,000 152.8% 0.4%
DAS Acquisition Company, LLC $1,560,000 $895,000 -42.6% 0.4%
THE EQUITABLE MORTGAGE CORPORATION $525,000 $895,000 70.5% 0.4%
HOMEBRIDGE FINANCIAL SERVICES, INC. $1,005,000 $845,000 -15.9% 0.4%
North American Savings Bank, F.S.B. $770,000 n/a 0.3%
TELHIO $1,570,000 $770,000 -51.0% 0.3%
GUARANTEED RATE AFFINITY, LLC $765,000 n/a 0.3%
AMERICAN MORTGAGE SERVICE COMPANY $1,185,000 $760,000 -35.9% 0.3%
MUTUAL OF OMAHA MORTGAGE, INC. $495,000 $735,000 48.5% 0.3%
First Federal Savings and Loan Association of Lakewood $415,000 $690,000 66.3% 0.3%
Citizens Bank $115,000 $680,000 491.3% 0.3%
HALLMARK HOME MORTGAGE, LLC $1,510,000 $675,000 -55.3% 0.3%
BAYSHORE MORTGAGE FUNDING, LLC $175,000 $645,000 268.6% 0.3%
BMI Federal Credit Union $320,000 $630,000 96.9% 0.3%
FIRST OHIO HOME FINANCE, INC. $715,000 $630,000 -11.9% 0.3%
KeyBank $65,000 $600,000 823.1% 0.3%
CHURCHILL MORTGAGE CORPORATION $220,000 $575,000 161.4% 0.2%
CLEARPATH LENDING $285,000 $575,000 101.8% 0.2%
InterContinental Capital Group, Inc $245,000 $555,000 126.5% 0.2%
Third Federal Savings and Loan Association of Cleveland $125,000 $555,000 344.0% 0.2%
Cornerstone First Mortgage, Inc $525,000 n/a 0.2%
LENDUS, LLC $1,420,000 $515,000 -63.7% 0.2%
VILLAGE CAPITAL & INVESTMENT LLC $920,000 $500,000 -45.7% 0.2%
The Federal Savings Bank $615,000 $460,000 -25.2% 0.2%
Hometown Equity Mortgage, LLC $85,000 $435,000 411.8% 0.2%
First Bank Richmond $305,000 $425,000 39.3% 0.2%
OCMBC, INC. $425,000 n/a 0.2%
Day Air Credit Union, Inc $310,000 $400,000 29.0% 0.2%
CALCON MUTUAL MORTGAGE LLC $375,000 n/a 0.2%
PREMIA MORTGAGE, LLC $365,000 n/a 0.2%
First Federal Savings and Loan Association $175,000 $355,000 102.9% 0.2%
Paramount Residential Mortgage Group, Inc. $910,000 $355,000 -61.0% 0.2%
21ST MORTGAGE CORPORATION $60,000 $315,000 425.0% 0.1%
First Savings Bank $315,000 n/a 0.1%
Bank of England $310,000 n/a 0.1%
Independent Bank $305,000 n/a 0.1%
Nations Lending Corporation $300,000 n/a 0.1%
PARTNERS UNITED FINANCIAL, LLC $1,565,000 $300,000 -80.8% 0.1%
RAPID MORTGAGE COMPANY $435,000 $300,000 -31.0% 0.1%
OCEANSIDE MORTGAGE COMPANY $155,000 $280,000 80.6% 0.1%
MID AMERICA MORTGAGE, INC. $580,000 $275,000 -52.6% 0.1%
ROYAL UNITED MORTGAGE LLC $470,000 $275,000 -41.5% 0.1%
UNITED $275,000 n/a 0.1%
AMERICAN FINANCIAL RESOURCES, INC. $175,000 $265,000 51.4% 0.1%
Axos Bank $345,000 $265,000 -23.2% 0.1%
Sierra Pacific Mortgage Company, Inc. $260,000 n/a 0.1%
AMERICAN FINANCING CORPORATION $245,000 n/a 0.1%
First Financial Bank $300,000 $245,000 -18.3% 0.1%
First Guaranty Mortgage Corporation $115,000 $240,000 108.7% 0.1%
UNIVERSAL 1 CREDIT UNION $135,000 $240,000 77.8% 0.1%
Discover Bank $190,000 $230,000 21.1% 0.1%
Minster Bank $45,000 $210,000 366.7% 0.1%
PHH Mortgage Corporation $205,000 n/a 0.1%
Three Rivers Federal Credit Union $205,000 n/a 0.1%
RELIANCE FIRST CAPITAL, LLC $1,015,000 $200,000 -80.3% 0.1%
CNB Bank $65,000 $195,000 200.0% 0.1%
KELLER MORTGAGE, LLC $195,000 n/a 0.1%
TCF National Bank $685,000 $195,000 -71.5% 0.1%
SECURITYNATIONAL MORTGAGE COMPANY $265,000 $185,000 -30.2% 0.1%
DIRECT MORTGAGE LOANS, LLC $175,000 n/a 0.1%
GUILD MORTGAGE COMPANY $175,000 n/a 0.1%
POLARIS HOME FUNDING CORP. $390,000 $175,000 -55.1% 0.1%
THE VINTON COUNTY NATIONAL BANK $355,000 $175,000 -50.7% 0.1%
CELEBRITY HOME LOANS, LLC $165,000 n/a 0.1%
SIBCY CLINE MORTGAGE SERVICES, INC. $220,000 $165,000 -25.0% 0.1%
ZILLOW HOME LOANS, LLC $165,000 n/a 0.1%
First Commonwealth Bank $155,000 n/a 0.1%
Low VA Rates, LLC $155,000 n/a 0.1%
SIGNATURE MORTGAGE CORPORATION $145,000 $155,000 6.9% 0.1%
Barrington Bank & Trust Company, N.A. $200,000 $145,000 -27.5% 0.1%
EVERETT FINANCIAL, INC. $185,000 $145,000 -21.6% 0.1%
NTFN, INC. $165,000 $145,000 -12.1% 0.1%
QUORUM FEDERAL CREDIT UNION $145,000 n/a 0.1%
SOFI LENDING CORP. $360,000 $145,000 -59.7% 0.1%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $540,000 $125,000 -76.9% 0.1%
TOP FLITE FINANCIAL, INC. $125,000 n/a 0.1%
CREDIT UNION MORTGAGE ASSOCIATION, INC. $115,000 n/a 0.0%
GUARANTY HOME MORTGAGE CORPORATION $450,000 $115,000 -74.4% 0.0%
Manufacturers and Traders Trust Company $65,000 $115,000 76.9% 0.0%
PLANET HOME LENDING, LLC $245,000 $115,000 -53.1% 0.0%
PRIORITY MORTGAGE CORP. $250,000 $115,000 -54.0% 0.0%
Gateway First Bank $230,000 $105,000 -54.3% 0.0%
Hometown Lenders, Inc. $135,000 $105,000 -22.2% 0.0%
LOANPAL, LLC $135,000 $105,000 -22.2% 0.0%
Bank of America $310,000 $95,000 -69.4% 0.0%
BRIDGE $95,000 n/a 0.0%
GSF Mortgage Corporation $95,000 n/a 0.0%
Somerville Bank $85,000 n/a 0.0%
NATIONS DIRECT MORTGAGE, LLC $95,000 $75,000 -21.1% 0.0%
EVERENCE FEDERAL CREDIT UNION $65,000 n/a 0.0%
PARKSIDE LENDING, LLC $55,000 n/a 0.0%
Peoples Bank $55,000 n/a 0.0%
First National Bank of America $35,000 n/a 0.0%
Figure Lending LLC $15,000 n/a 0.0%

Urbana's top lender by overall market share is QUICKEN LOANS, LLC, with 9.7% market share. In second place, with 7.5%, is WRIGHT-PATT CREDIT UNION, INC., having originated $17,685,000 in loans. In third place, with 5.9%, is CALIBER HOME LOANS, INC., having originated $13,790,000 in loans. In third place, with 4.6%, is The Farmers & Merchants State Bank, having originated $10,770,000 in loans. In third place, with 3.7%, is The Park National Bank, having originated $8,755,000 in loans.


Urbana, OH Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 564 $105,980,000 $187,908
Refi 417 $63,185,000 $151,523
Cash Out Refi 340 $55,510,000 $163,265
Home Improvement 70 $5,180,000 $74,000
Other 55 $4,465,000 $81,182

Urbana's most frequently cited loan purpose was Home Purchase, with 564 originations. The 2nd most popular reason was Refi, with 417 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
3-4% 624 $102,360,000 $164,038
2.5-3% 482 $79,690,000 $165,332
<2.5% 208 $33,780,000 $162,404
4-5% 64 $7,960,000 $124,375
5-6% 15 $855,000 $57,000
6-7% 6 $210,000 $35,000
7-8% 6 $380,000 $63,333
Over 8% 6 $160,000 $26,667

During 2021, Urbana's most frequently originated rate bucket was 3-4%, with 624 originations.

Loan Sizing (Urbana, OH MSA)

Loan Size Originations Total Value Average Loan
$100k-200k 745 $107,175,000 $143,859
$100,000 or less 346 $22,270,000 $64,364
$200k-400k 314 $81,040,000 $258,089
$400k-600k 31 $14,395,000 $464,355
$600k-1000k 9 $7,265,000 $807,222
$Over $1MM 1 $2,175,000 $2,175,000

Urbana's loan sizing saw the bucket of loans from $100k-200k with 745 originations, totaling $107,175,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 550 $103,690,000 $188,527
60-80% 430 $72,530,000 $168,674
40-60% 203 $26,235,000 $129,236
20-40% 103 $8,125,000 $78,883
Under 20% 64 $2,470,000 $38,594
Over 100% 16 $4,570,000 $285,625

Urbana's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 550 originations, totaling $103,690,000 in origination value.


Market Conditions (Median, Average Prices & Listing Count)

Realtor.com - Urbana (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 $119,900 (3.4%) $152,661 (7.7%) 0.00 116
2018-02-01 $118,900 (7.7%) $162,016 (16.3%) 0.00 117
2018-03-01 $112,300 (-6.4%) $160,317 (8.4%) 0.00 100
2018-04-01 $129,950 (4.0%) $152,336 (-1.5%) 0.00 107
2018-05-01 $132,450 (0.0%) $158,660 (3.6%) 0.00 106
2018-06-01 $144,900 (12.8%) $210,048 (38.5%) 0.00 112
2018-07-01 $149,900 (21.0%) $191,203 (27.8%) 0.00 155
2018-08-01 $149,900 (7.2%) $188,710 (22.1%) 0.00 168
2018-09-01 $144,900 (12.3%) $194,022 (26.3%) 0.00 164
2018-10-01 $139,900 (11.1%) $193,347 (25.7%) 0.00 160
2018-11-01 $139,000 (15.9%) $213,406 (43.1%) 0.00 153
2018-12-01 $117,000 (-2.4%) $215,297 (41.7%) 0.00 135
2019-01-01 $118,450 (-1.2%) $184,155 (20.6%) 0.00 84
2019-02-01 $149,900 (26.1%) $194,165 (19.8%) 0.00 84
2019-03-01 $154,186 (37.3%) $188,199 (17.4%) 0.00 87
2019-04-01 $162,400 (25.0%) $185,809 (22.0%) 0.00 89
2019-05-01 $166,950 (26.1%) $183,469 (15.6%) 0.00 112
2019-06-01 $168,900 (16.6%) $192,348 (-8.4%) 0.00 124
2019-07-01 $159,400 (6.3%) $187,381 (-2.0%) 0.00 111
2019-08-01 $163,757 (9.2%) $196,005 (3.9%) 0.00 116
2019-09-01 $163,807 (13.1%) $196,605 (1.3%) 0.00 131
2019-10-01 $164,400 (17.5%) $190,694 (-1.4%) 0.00 135
2019-11-01 $159,900 (15.0%) $200,256 (-6.2%) 0.00 122
2019-12-01 $154,950 (32.4%) $193,587 (-10.1%) 0.00 110
2020-01-01 $146,900 (24.0%) $177,960 (-3.4%) 0.00 94
2020-02-01 $159,900 (6.7%) $173,563 (-10.6%) 0.00 82
2020-03-01 $151,450 (-1.8%) $178,052 (-5.4%) 0.00 79
2020-04-01 $179,850 (10.8%) $208,263 (12.1%) 0.00 73
2020-05-01 $187,500 (12.3%) $225,931 (23.1%) 0.00 70
2020-06-01 $174,904 (3.6%) $233,926 (21.6%) 0.00 65
2020-07-01 $239,215 (50.1%) $266,831 (42.4%) 0.00 68
2020-08-01 $239,000 (46.0%) $266,847 (36.1%) 0.00 46
2020-09-01 $187,400 (14.4%) $223,497 (13.7%) 0.00 38
2020-10-01 $169,900 (3.4%) $235,370 (23.4%) 0.00 44
2020-11-01 $169,900 (6.3%) $244,289 (22.0%) 0.00 49
2020-12-01 $159,925 (3.2%) $209,950 (8.5%) 0.00 50
2021-01-01 $159,900 (8.9%) $214,515 (20.5%) 0.00 40
2021-02-01 $176,900 (10.6%) $228,775 (31.8%) 0.00 25
2021-03-01 $179,400 (18.5%) $225,055 (26.4%) 0.00 30
2021-04-01 $199,506 (10.9%) $240,646 (15.6%) 0.00 34
2021-05-01 $178,900 (-4.6%) $198,817 (-12.0%) 0.00 30
2021-06-01 $182,400 (4.3%) $277,101 (18.5%) 0.00 33
2021-07-01 $174,900 (-26.9%) $409,265 (53.4%) 0.00 51
2021-08-01 $187,450 (-21.6%) $357,131 (33.8%) 0.00 77
2021-09-01 $187,203 (-0.1%) $353,986 (58.4%) 0.00 70
2021-10-01 $195,000 (14.8%) $351,508 (49.3%) 0.00 65
2021-11-01 $187,125 (10.1%) $339,491 (39.0%) 0.00 82
2021-12-01 $177,836 (11.2%) $375,825 (79.0%) 0.00 63
2022-01-01 $170,000 (6.3%) $443,544 (106.8%) 0.00 40
2022-02-01 $212,400 (20.1%) $546,907 (139.1%) 0.00 31
2022-03-01 $209,950 (17.0%) $567,726 (152.3%) 0.00 29
2022-04-01 $229,900 (15.2%) $503,428 (109.2%) 0.00 40
2022-05-01 $227,400 (27.1%) $487,162 (145.0%) 0.00 46
Urbana's median listing price for 2022-05-01 was $227,400, a difference of $48,500 (27.1%) versus the prior year and $-2,500 versus the prior month.

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

Urbana's average listing price for 2022-05-01 was $487,162, a difference of $288,345 (145.0%) versus the prior year and $-16,266 versus the prior month.

For the 2022-05-01 period, Urbana had 46 MLS listings, a difference of 6 listings (15%) versus the prior month and 16 listings (53%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - Urbana (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 0 days 1,775 sqft
2018-02-01 0 days 1,850 sqft
2018-03-01 0 days 1,760 sqft
2018-04-01 0 days 1,740 sqft
2018-05-01 0 days 1,780 sqft
2018-06-01 0 days 1,956 sqft
2018-07-01 0 days 1,824 sqft
2018-08-01 0 days 1,768 sqft
2018-09-01 0 days 1,744 sqft
2018-10-01 0 days 1,727 sqft
2018-11-01 0 days 1,727 sqft
2018-12-01 0 days 1,646 sqft
2019-01-01 0 days 1,610 sqft
2019-02-01 0 days 1,640 sqft
2019-03-01 0 days 1,703 sqft
2019-04-01 0 days 1,787 sqft
2019-05-01 0 days 1,593 sqft
2019-06-01 0 days 1,692 sqft
2019-07-01 0 days 1,642 sqft
2019-08-01 0 days 1,678 sqft
2019-09-01 0 days 1,696 sqft
2019-10-01 0 days 1,796 sqft
2019-11-01 0 days 1,744 sqft
2019-12-01 0 days 1,680 sqft
2020-01-01 0 days 1,652 sqft
2020-02-01 0 days 1,638 sqft
2020-03-01 0 days 1,677 sqft
2020-04-01 0 days 1,752 sqft
2020-05-01 0 days 1,768 sqft
2020-06-01 0 days 2,104 sqft
2020-07-01 0 days 2,375 sqft
2020-08-01 0 days 2,312 sqft
2020-09-01 0 days 2,072 sqft
2020-10-01 0 days 2,041 sqft
2020-11-01 0 days 1,919 sqft
2020-12-01 0 days 1,872 sqft
2021-01-01 0 days 1,856 sqft
2021-02-01 0 days 1,848 sqft
2021-03-01 0 days 1,872 sqft
2021-04-01 0 days 1,806 sqft
2021-05-01 0 days 1,672 sqft
2021-06-01 0 days 1,692 sqft
2021-07-01 0 days 1,665 sqft
2021-08-01 0 days 1,760 sqft
2021-09-01 0 days 1,677 sqft
2021-10-01 0 days 1,724 sqft
2021-11-01 0 days 1,618 sqft
2021-12-01 0 days 1,847 sqft
2022-01-01 0 days 1,895 sqft
2022-02-01 0 days 1,809 sqft
2022-03-01 0 days 1,620 sqft
2022-04-01 0 days 1,895 sqft
2022-05-01 0 days 1,800 sqft
Urbana's median listing age (time on market) for 2022-05-01 was 0 days.

Urbana's median square footage for active listings during the 2022-05-01 period was 1,800 sqft. One year prior, the average listing was 1,672 sqft.