Mortgage lending in Auburn-Opelika, AL
4,824 mortgages were originated in the Auburn-Opelika, AL area in 2025, and here is what they cost.
30-year fixed, this week
6.71%
Freddie Mac's survey average for the week of September 3, 2026 — a year earlier it was 6.56%, and the past year ranged 5.98–6.71%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 4,824
- Median rate
- 6.625%
- Median lender fees
- $6,016
The going rate is the federal "average prime offer rate" for a comparable loan; 0.5 means half a percentage point above it.
- Median loan amount
- $245,000
- Above the going rate (spread over APOR)
- 0.236
- Paid discount points
- 44.8%
- Received lender credits
- 30.6%
- Purchases / refinances
- 59.6% / 26.1%
- Conventional / FHA / VA
- 69.1% / 13.4% / 16.8%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 71.2% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Auburn-Opelika, AL area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| CMG Mortgage, Inc. | 398 | $8,288 | 6.500% |
| Rocket Mortgage, LLC | 293 | $5,192 | 6.500% |
| River Bank & Trust | 208 | $5,091 | 7.500% |
| United Shore Financial Services, LLC | 194 | $7,303 | 6.125% |
| Renasant Bank | 185 | $4,906 | 6.625% |
| Trustmark National Bank | 162 | $6,263 | 6.500% |
| Canopy Mortgage, LLC | 154 | $11,995 | 6.250% |
| Pennymac Loan Services, LLC | 146 | $4,836 | 6.624% |
| Vanderbilt Mortgage And Finance, Inc. | 138 | $5,257 | 8.250% |
| Guild Mortgage Company | 109 | $7,556 | 6.375% |