ALBANY Mortgage Rates

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

30 Year Fixed Rate mortgages in Albany averaged 6.06% 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 5.93% and one month ago for the week of 2022-05-19, the average rate was 5.7%.

Albany's average rate one year ago was 3.45%.

For refis of the same type during the week of 2022-06-23, the average rate was 6.38%.

Loan Type Date Rate
US 30 Year Fixed Rate 2022-06-23 5.81%
Albany 30 Year Fixed Rate 2022-06-23 6.06%
Albany 30 Year Fixed Rate Refi 2022-06-23 6.38%
Albany 15 Year Fixed Rate 2022-06-23 5.41%
Albany 15 Year Fixed Rate Refi 2022-06-23 5.34%
Albany 30 Year FHA 2022-06-23 0.02%
Albany 30 Year FHA Refi 2022-06-23 0.27%
Albany 30 Year USDA 2022-06-23 0.07%
Albany 30 Year USDA Refi 2022-06-23 0.37%
Albany 30 Year VA 2022-06-23 0.5%
Albany 30 Year VA Refi 2022-06-23 0.14%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within ALBANY, GA.

ALBANY 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 ALBANY, GA 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 162 3.11% $4,726
Flagstar Bank, FSB 86 3.26% $3,113
Colony Bank 62 3.03% $3,089
Ameris Bank 50 3.10% $3,697
Renasant Bank 49 3.26% $3,487
NAVY FEDERAL CREDIT UNION 44 4.12% $4,875
Wells Fargo Bank 32 3.09% $2,862
UNITED WHOLESALE MORTGAGE, LLC 29 2.98% $5,296
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 25 3.16% $5,105
LOANDEPOT.COM, LLC 22 3.11% $4,620
BROKER SOLUTIONS, INC. 20 3.08% $4,321
Truist Bank 16 3.21% $3,290
Synovus Bank 16 3.26% $4,365
Capital City Home Loans, LLC 14 3.06% $3,314
Mr. Cooper ( Nationstar Mortgage ) 12 3.64% $5,079
Regions Bank 12 3.11% $3,947
AMERISAVE MORTGAGE CORPORATION 12 2.94% $4,222
South State Bank 11 2.99% $5,332
JPMorgan Chase Bank 9 3.12% $1,766
GEORGIA'S OWN 8 3.23% $4,013
BETTER MORTGAGE CORPORATION 8 2.89% $3,616
MORTGAGE INVESTORS GROUP, INC. 8 3.05% $4,036
PENNYMAC LOAN SERVICES, LLC 8 3.39% $3,880
CALIBER HOME LOANS, INC. 8 3.21% $3,131
NEWREZ LLC 7 3.27% $3,733
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 6 3.42% $4,878
Mortgage Research Center, LLC 6 3.02% $2,135
PROVIDENT FUNDING ASSOCIATES, L.P. 5 2.73% $2,763
LAND HOME FINANCIAL SERVICES, INC. 5 3.68% $4,220
SOUTHPOINT FINANCIAL SERVICES, INC. 5 3.60% $7,191
HOMESTAR FINANCIAL CORPORATION 4 2.75% $4,852
GUARANTEED RATE, INC. 4 3.03% $3,351
FREEDOM MORTGAGE CORPORATION 3 3.00% $2,282
Bank of England 3 3.17% $4,109
Morgan Stanley Private Bank 3 2.83% $3,545
Blue Ridge Bank 3 3.00% $5,956
PNC Bank 3 3.04% $3,651
HOME POINT FINANCIAL CORPORATION 3 3.13% $2,706
ANGEL OAK HOME LOANS LLC 3 3.13% $3,964
United Community Bank 3 3.46% $7,509
CMG MORTGAGE, INC. 3 3.42% $5,196
U.S. Bank 3 2.91% $2,255
AgFirst Farm Credit Bank 3 2.96% $6,126
ACADEMY MORTGAGE CORPORATION 2 3.00% $2,837
Bank of America 2 2.81% $3,301
AMERICAN FINANCIAL NETWORK, INC. 2 3.25% $7,214
PRIMELENDING, A PLAINSCAPITAL COMPANY 2 3.19% $5,027
First Guaranty Mortgage Corporation 2 3.00% $4,679
Citibank 2 3.13% $4,546
21ST MORTGAGE CORPORATION 2 5.93% $6,096
Paramount Residential Mortgage Group, Inc. 2 3.50% $5,203
CROSSCOUNTRY MORTGAGE, LLC 2 3.38% $4,142
ATLANTIC BAY MORTGAGE GROUP, L.L.C. 2 3.31% $4,207
NBKC BANK 2 2.81% $2,355
Carrington Mortgage Services, LLC 2 3.38% $4,545
STEARNS LENDING, LLC 2 2.75% $2,888
Nations Lending Corporation 2 3.25% $7,481
SWBC MORTGAGE CORPORATION 2 2.75% $3,242
GMFS LLC 2 2.81% $3,087
HOMESIDE FINANCIAL, LLC 2 2.69% $4,727
VANDERBILT MORTGAGE AND FINANCE, INC. 1 3.88% $5,682
Vibrant Credit Union 1 3.13% $2,632
WESTERN EXPRESS LENDING 1 2.75% $2,593
Wood & Huston Bank 1 3.50% $2,166
Wyndham Capital Mortgage, Inc. 1 2.99% $945
ZILLOW HOME LOANS, LLC 1 3.13% $3,924
AMERICAN ADVISORS GROUP 1 3.38% $2,606
AMERICAN FINANCING CORPORATION 1 3.25% $4,222
AmeriHome Mortgage Company, LLC 1 2.99% $4,406
ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 3.99% $2,734
Associated Credit Union 1 3.75% $3,483
Axos Bank 1 2.88% $2,724
Bethpage Federal Credit Union 1 3.00% $3,288
CERTAINTY HOME LOANS, LLC 1 2.75% $2,548
Chicago Mortgage Solutions LLC 1 2.74% $1,285
CHURCHILL MORTGAGE CORPORATION 1 3.63% $3,109
Colten Mortgage, LLC 1 3.38% $3,902
Core Bank 1 3.00% $2,608
CRESCENT MORTGAGE COMPANY 1 3.25% $4,400
DATA MORTGAGE, INC. 1 2.75% $4,020
Devon Bank 1 3.38% $3,350
DIAMOND RESIDENTIAL MORTGAGE CORPORATION 1 2.63% $4,593
Discover Bank 1 5.99% $0
EVERETT FINANCIAL, INC. 1 3.25% $1,613
Fifth Third Bank 1 2.88% $3,338
FIRST COMMUNITY MORTGAGE, INC. 1 2.63% $2,821
First Internet Bank of Indiana 1 2.99% $2,993
First National Bank of America 1 6.50% $7,580
GUARANTY HOME MORTGAGE CORPORATION 1 2.88% $3,451
HOMEBRIDGE FINANCIAL SERVICES, INC. 1 3.25% $3,039
InterContinental Capital Group, Inc 1 3.50% $3,846
ITHINK FINANCIAL Credit Union 1 2.88% $3,688
JUSTICE Federal Credit Union 1 2.75% $4,016
KELLER MORTGAGE, LLC 1 3.00% $3,670
KeyBank 1 3.12% $3,019
LENDUS, LLC 1 3.63% $3,646
LOANFLIGHT LENDING, LLC 1 2.88% $2,678
LOANLEADERS OF AMERICA, INC. 1 3.50% $3,866
Luxury Mortgage Corp. 1 4.88% $7,143
Manufacturers and Traders Trust Company 1 3.63% $2,837
MEMBER FIRST MORTGAGE, LLC 1 3.38% $3,015
Metro City Bank 1 4.63% $6,277
MORTGAGE ACCESS CORP. 1 3.13% $3,602
Mortgage Network, Inc. 1 3.25% $3,056
MOVEMENT MORTGAGE, LLC 1 3.06% $2,833
MUTUAL OF OMAHA MORTGAGE, INC. 1 3.25% $5,926
PENTAGON FEDERAL CREDIT UNION 1 2.50% $2,328
Pinnacle Bank 1 3.25% $2,850
PRIMARY RESIDENTIAL MORTGAGE, INC. 1 3.38% $5,052
RELIANCE FIRST CAPITAL, LLC 1 3.25% $4,744
ROBINS FINANCIAL 1 3.00% $1,602
RUOFF MORTGAGE COMPANY, INC. 1 3.00% $2,575
S1L, Inc. 1 3.13% $3,927
ServisFirst Bank 1 3.00% $3,340
Sierra Pacific Mortgage Company, Inc. 1 3.38% $3,119
SOFI LENDING CORP. 1 3.63% $3,251
SRP Federal Credit Union 1 3.25% $7,441
STOCKTON MORTGAGE CORPORATION 1 3.13% $3,068
THE MORTGAGE FIRM, INC. 1 3.13% $4,091
Third Federal Savings and Loan Association of Cleveland 1 2.99% $3,668
TJC Mortgage, Inc. 1 3.63% $3,088
Triumph Bank 1 2.75% $2,567
UIF CORPORATION 1 3.25% $3,004
UNION HOME MORTGAGE CORP. 1 2.75% $3,182
USAA Federal Savings Bank 1 2.88% $4,492

ALBANY, GA's 125 lenders originated 3,460 loans during 2021. The total origination value was $652,360,000, with an average loan value of $188,543.

The top ALBANY lender as defined by loan originations is QUICKEN LOANS, LLC, with 162 loans originated. Their average total fees are $4,726, which is $1,613 higher than the next largest lender, Flagstar Bank, FSB.

The lowest fee ALBANY lenders (with over 10 loans originated) are Wells Fargo Bank ($2,862), Colony Bank ($3,089), Flagstar Bank, FSB ($3,113), Truist Bank ($3,290) and Capital City Home Loans, LLC ($3,314).

The lowest rate ALBANY lenders (with over 10 loans originated) are AMERISAVE MORTGAGE CORPORATION (2.94%), UNITED WHOLESALE MORTGAGE, LLC (2.98%), South State Bank (2.99%), Colony Bank (3.03%) and Capital City Home Loans, LLC (3.06%).

ALBANY, GA 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 $47,350,000 $80,660,000 70.3% 12.4%
Flagstar Bank, FSB $39,925,000 $37,335,000 -6.5% 5.7%
Colony Bank $15,005,000 $36,350,000 142.3% 5.6%
Wells Fargo Bank $7,310,000 $32,205,000 340.6% 4.9%
Renasant Bank $26,585,000 $26,840,000 1.0% 4.1%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $12,510,000 $24,420,000 95.2% 3.7%
Mortgage Research Center, LLC $13,705,000 $24,335,000 77.6% 3.7%
NAVY FEDERAL CREDIT UNION $21,025,000 $23,495,000 11.7% 3.6%
Ameris Bank $16,645,000 $23,085,000 38.7% 3.5%
Flint Community Bank $27,370,000 $20,700,000 -24.4% 3.2%
Georgia Community Bank $15,785,000 $17,965,000 13.8% 2.8%
BROKER SOLUTIONS, INC. $8,835,000 $17,160,000 94.2% 2.6%
Synovus Bank $19,700,000 $16,505,000 -16.2% 2.5%
Merchants Bank of Indiana $145,000 $15,815,000 10,806.9% 2.4%
UNITED WHOLESALE MORTGAGE, LLC $20,680,000 $14,930,000 -27.8% 2.3%
FREEDOM MORTGAGE CORPORATION $17,995,000 $13,800,000 -23.3% 2.1%
PENNYMAC LOAN SERVICES, LLC $3,995,000 $10,595,000 165.2% 1.6%
Truist Bank $9,155,000 $10,555,000 15.3% 1.6%
LOANDEPOT.COM, LLC $8,130,000 $9,760,000 20.0% 1.5%
Arbor Realty Trust, Inc. $9,455,000 n/a 1.4%
Planters Bank, Inc. $8,485,000 n/a 1.3%
Mr. Cooper ( Nationstar Mortgage ) $6,005,000 $7,625,000 27.0% 1.2%
Capital City Home Loans, LLC $10,820,000 $7,070,000 -34.7% 1.1%
SOUTHPOINT FINANCIAL SERVICES, INC. $3,465,000 $6,915,000 99.6% 1.1%
AMERISAVE MORTGAGE CORPORATION $2,850,000 $4,840,000 69.8% 0.7%
PeoplesSouth Bank $3,905,000 $4,770,000 22.2% 0.7%
USAA Federal Savings Bank $4,775,000 $4,250,000 -11.0% 0.7%
Regions Bank $3,565,000 $4,230,000 18.7% 0.6%
CALIBER HOME LOANS, INC. $2,950,000 $4,165,000 41.2% 0.6%
LAKEVIEW LOAN SERVICING, LLC $2,355,000 $4,030,000 71.1% 0.6%
WALKER & DUNLOP, LLC $6,085,000 $3,770,000 -38.0% 0.6%
HOMESTAR FINANCIAL CORPORATION $2,380,000 $3,595,000 51.1% 0.6%
GEORGIA'S OWN $1,650,000 $3,560,000 115.8% 0.5%
NEWREZ LLC $3,205,000 $3,455,000 7.8% 0.5%
Royal Business Bank $3,335,000 n/a 0.5%
South State Bank $4,475,000 $3,255,000 -27.3% 0.5%
NEW DAY FINANCIAL, LLC $2,375,000 $3,165,000 33.3% 0.5%
BETTER MORTGAGE CORPORATION $2,320,000 $3,035,000 30.8% 0.5%
MORTGAGE INVESTORS GROUP, INC. $6,105,000 $2,865,000 -53.1% 0.4%
VILLAGE CAPITAL & INVESTMENT LLC $2,360,000 $2,800,000 18.6% 0.4%
AMERICAN FINANCIAL NETWORK, INC. $1,080,000 $2,730,000 152.8% 0.4%
JPMorgan Chase Bank $1,505,000 $2,675,000 77.7% 0.4%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $2,040,000 $2,540,000 24.5% 0.4%
United Community Bank $475,000 $2,345,000 393.7% 0.4%
21ST MORTGAGE CORPORATION $2,740,000 $2,300,000 -16.1% 0.4%
First State Bank of Blakely, Inc. $6,005,000 $2,250,000 -62.5% 0.3%
HOME POINT FINANCIAL CORPORATION $465,000 $2,070,000 345.2% 0.3%
Carrington Mortgage Services, LLC $1,860,000 $1,975,000 6.2% 0.3%
HOMESIDE FINANCIAL, LLC $150,000 $1,835,000 1,123.3% 0.3%
ANGEL OAK HOME LOANS LLC $1,435,000 $1,825,000 27.2% 0.3%
U.S. Bank $885,000 $1,735,000 96.0% 0.3%
PROVIDENT FUNDING ASSOCIATES, L.P. $490,000 $1,645,000 235.7% 0.3%
Morgan Stanley Private Bank $1,580,000 n/a 0.2%
HOMEBRIDGE FINANCIAL SERVICES, INC. $785,000 $1,555,000 98.1% 0.2%
PENTAGON FEDERAL CREDIT UNION $1,510,000 $1,540,000 2.0% 0.2%
GUARANTEED RATE, INC. $1,530,000 n/a 0.2%
TJC Mortgage, Inc. $1,110,000 $1,515,000 36.5% 0.2%
First Guaranty Mortgage Corporation $1,765,000 $1,475,000 -16.4% 0.2%
STEARNS LENDING, LLC $1,080,000 $1,460,000 35.2% 0.2%
The Federal Savings Bank $1,155,000 $1,405,000 21.6% 0.2%
ACOPIA, LLC $930,000 $1,330,000 43.0% 0.2%
CROSSCOUNTRY MORTGAGE, LLC $700,000 $1,330,000 90.0% 0.2%
Barrington Bank & Trust Company, N.A. $2,025,000 $1,300,000 -35.8% 0.2%
GENEVA FINANCIAL, LLC $230,000 $1,300,000 465.2% 0.2%
VANDERBILT MORTGAGE AND FINANCE, INC. $1,590,000 $1,270,000 -20.1% 0.2%
PRIMARY RESIDENTIAL MORTGAGE, INC. $105,000 $1,195,000 1,038.1% 0.2%
PLANTERS FIRST BANK $80,000 $1,085,000 1,256.3% 0.2%
Blue Ridge Bank $495,000 $1,075,000 117.2% 0.2%
GMFS LLC $185,000 $1,020,000 451.4% 0.2%
Cedar Rapids Bank and Trust Company $1,015,000 n/a 0.2%
Lakeview Community Capital, LLC $795,000 $1,000,000 25.8% 0.2%
LAND HOME FINANCIAL SERVICES, INC. $1,000,000 n/a 0.2%
PLANET HOME LENDING, LLC $1,260,000 $980,000 -22.2% 0.2%
PNC Bank $295,000 $960,000 225.4% 0.1%
MEMBER FIRST MORTGAGE, LLC $75,000 $875,000 1,066.7% 0.1%
TRIAD FINANCIAL SERVICES, INC. $110,000 $870,000 690.9% 0.1%
InterContinental Capital Group, Inc $580,000 $850,000 46.6% 0.1%
Mid-Continent Funding, Inc. $290,000 $800,000 175.9% 0.1%
Bank of America $1,505,000 $750,000 -50.2% 0.1%
Nations Lending Corporation $290,000 $705,000 143.1% 0.1%
AgFirst Farm Credit Bank $550,000 $675,000 22.7% 0.1%
MOVEMENT MORTGAGE, LLC $1,520,000 $665,000 -56.3% 0.1%
NBKC BANK $665,000 n/a 0.1%
ServisFirst Bank $660,000 n/a 0.1%
AMERICAN FINANCING CORPORATION $655,000 n/a 0.1%
PRIMELENDING, A PLAINSCAPITAL COMPANY $1,110,000 $605,000 -45.5% 0.1%
CHURCHILL MORTGAGE CORPORATION $600,000 n/a 0.1%
CMG MORTGAGE, INC. $155,000 $575,000 271.0% 0.1%
MUTUAL OF OMAHA MORTGAGE, INC. $435,000 $555,000 27.6% 0.1%
LENDUS, LLC $930,000 $550,000 -40.9% 0.1%
UNION HOME MORTGAGE CORP. $185,000 $540,000 191.9% 0.1%
Bank of England $170,000 $520,000 205.9% 0.1%
RUOFF MORTGAGE COMPANY, INC. $185,000 $515,000 178.4% 0.1%
First Horizon Bank $505,000 n/a 0.1%
CLEARPATH LENDING $1,290,000 $500,000 -61.2% 0.1%
NP, Inc. $500,000 n/a 0.1%
Paramount Residential Mortgage Group, Inc. $1,615,000 $495,000 -69.3% 0.1%
ATLANTIC BAY MORTGAGE GROUP, L.L.C. $135,000 $485,000 259.3% 0.1%
Morris Bank $230,000 $470,000 104.3% 0.1%
Home Mortgage Alliance Corp $455,000 n/a 0.1%
First Federal Bank $1,160,000 $450,000 -61.2% 0.1%
RELIANCE FIRST CAPITAL, LLC $270,000 $445,000 64.8% 0.1%
UNITED SECURITY FINANCIAL CORP $445,000 n/a 0.1%
PHH Mortgage Corporation $165,000 $425,000 157.6% 0.1%
Chicago Mortgage Solutions LLC $405,000 n/a 0.1%
Axos Bank $395,000 n/a 0.1%
FIRST HOME MORTGAGE CORPORATION $395,000 n/a 0.1%
MID AMERICA MORTGAGE, INC. $95,000 $390,000 310.5% 0.1%
SOFI LENDING CORP. $375,000 $390,000 4.0% 0.1%
GUARANTY HOME MORTGAGE CORPORATION $750,000 $385,000 -48.7% 0.1%
LOANFLIGHT LENDING, LLC $385,000 n/a 0.1%
AMERICAN INTERNET MORTGAGE, INC. $365,000 n/a 0.1%
ITHINK FINANCIAL Credit Union $365,000 n/a 0.1%
GUILD MORTGAGE COMPANY $175,000 $360,000 105.7% 0.1%
Hometown Equity Mortgage, LLC $265,000 $350,000 32.1% 0.1%
LOANLEADERS OF AMERICA, INC. $350,000 n/a 0.1%
Fifth Third Bank $100,000 $345,000 245.0% 0.1%
ALLIED MORTGAGE GROUP, INC. $340,000 n/a 0.1%
SWBC MORTGAGE CORPORATION $340,000 n/a 0.1%
AMERICAN FINANCIAL RESOURCES, INC. $495,000 $325,000 -34.3% 0.0%
SRP Federal Credit Union $325,000 n/a 0.0%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $215,000 $315,000 46.5% 0.0%
Metro City Bank $315,000 n/a 0.0%
NATIONWIDE MORTGAGE BANKERS, INC. $125,000 $310,000 148.0% 0.0%
Princeton Mortgage Corporation $305,000 n/a 0.0%
Third Federal Savings and Loan Association of Cleveland $290,000 n/a 0.0%
INTERLINC MORTGAGE SERVICES, LLC $145,000 $285,000 96.6% 0.0%
KELLER MORTGAGE, LLC $105,000 $285,000 171.4% 0.0%
AmeriHome Mortgage Company, LLC $425,000 $280,000 -34.1% 0.0%
MORIA DEVELOPMENT, INC. $240,000 $270,000 12.5% 0.0%
TIAA, FSB $85,000 $270,000 217.6% 0.0%
Wyndham Capital Mortgage, Inc. $270,000 n/a 0.0%
BOKF $265,000 n/a 0.0%
JAMES B. NUTTER & COMPANY $265,000 n/a 0.0%
SOUTHWEST STAGE FUNDING, LLC $630,000 $265,000 -57.9% 0.0%
Wood & Huston Bank $265,000 $265,000 0.0% 0.0%
Devon Bank $255,000 n/a 0.0%
MORTGAGE ACCESS CORP. $255,000 n/a 0.0%
Equity Prime Mortgage LLC $250,000 n/a 0.0%
Hamilton Mortgage Corporation $85,000 $250,000 194.1% 0.0%
AMERICAN ADVISORS GROUP $115,000 $245,000 113.0% 0.0%
DIRECT LENDERS, LLC $245,000 n/a 0.0%
GUARANTEED RATE AFFINITY, LLC $95,000 $245,000 157.9% 0.0%
THE MORTGAGE FIRM, INC. $290,000 $245,000 -15.5% 0.0%
CIVIC FINANCIAL SERVICES, LLC $155,000 $235,000 51.6% 0.0%
FBC MORTGAGE, LLC $235,000 n/a 0.0%
Prime Choice Funding Inc. $205,000 $235,000 14.6% 0.0%
The Peoples Bank of Georgia $235,000 n/a 0.0%
ZILLOW HOME LOANS, LLC $265,000 $235,000 -11.3% 0.0%
The First, A National Banking Association $340,000 $230,000 -32.4% 0.0%
BANKSOUTH MORTGAGE COMPANY, LLC $205,000 $225,000 9.8% 0.0%
BNC National Bank $225,000 n/a 0.0%
Citibank $240,000 $220,000 -8.3% 0.0%
LIBERTY HOME MORTGAGE CORPORATION $395,000 $220,000 -44.3% 0.0%
Manufacturers and Traders Trust Company $220,000 n/a 0.0%
Arvest Bank $215,000 n/a 0.0%
CREDIT UNION OF GEORGIA $215,000 n/a 0.0%
CRESCENT MORTGAGE COMPANY $755,000 $215,000 -71.5% 0.0%
DATA MORTGAGE, INC. $215,000 n/a 0.0%
LENDINGHOME FUNDING CORPORATION $295,000 $215,000 -27.1% 0.0%
UIF CORPORATION $215,000 n/a 0.0%
CREDIT HUMAN FEDERAL CREDIT UNION $55,000 $210,000 281.8% 0.0%
AMERICAN PACIFIC MORTGAGE CORPORATION $195,000 $205,000 5.1% 0.0%
First Internet Bank of Indiana $165,000 $205,000 24.2% 0.0%
North American Savings Bank, F.S.B. $775,000 $205,000 -73.5% 0.0%
S1L, Inc. $205,000 n/a 0.0%
Triumph Bank $205,000 n/a 0.0%
Commercial Banking Company $200,000 n/a 0.0%
GENISYS $165,000 $200,000 21.2% 0.0%
BM Real Estate Services, Inc. $85,000 $195,000 129.4% 0.0%
Cadence Bank, N.A. $195,000 n/a 0.0%
FirstBank $90,000 $195,000 116.7% 0.0%
JUSTICE Federal Credit Union $195,000 n/a 0.0%
Platinum Home Mortgage Corporation $405,000 $195,000 -51.9% 0.0%
ACADEMY MORTGAGE CORPORATION $190,000 n/a 0.0%
Discover Bank $35,000 $190,000 442.9% 0.0%
Commonwealth Bank and Trust Company $185,000 n/a 0.0%
Core Bank $185,000 n/a 0.0%
First National Bank of America $185,000 n/a 0.0%
EVERETT FINANCIAL, INC. $360,000 $175,000 -51.4% 0.0%
First Option Mortgage, LLC $165,000 $175,000 6.1% 0.0%
SOUTHERN TRUST MORTGAGE, LLC $175,000 n/a 0.0%
Victorian Finance, LLC $175,000 n/a 0.0%
ATLANTA POSTAL $215,000 $170,000 -20.9% 0.0%
Ally Bank $165,000 n/a 0.0%
Luxury Mortgage Corp. $165,000 n/a 0.0%
POLARIS HOME FUNDING CORP. $165,000 n/a 0.0%
CERTAINTY HOME LOANS, LLC $205,000 $155,000 -24.4% 0.0%
Magnolia Bank $685,000 $155,000 -77.4% 0.0%
STOCKTON MORTGAGE CORPORATION $155,000 n/a 0.0%
SunMark Community Bank $2,810,000 $155,000 -94.5% 0.0%
Pinnacle Bank $145,000 n/a 0.0%
SECURITYNATIONAL MORTGAGE COMPANY $145,000 n/a 0.0%
Figure Lending LLC $15,000 $135,000 800.0% 0.0%
SHARONVIEW FEDERAL CREDIT UNION $135,000 n/a 0.0%
Colten Mortgage, LLC $195,000 $125,000 -35.9% 0.0%
GoPrime Mortgage, Inc. $125,000 n/a 0.0%
Mainstreet Community Bank of Florida $125,000 n/a 0.0%
Willamette Valley Bank $125,000 n/a 0.0%
SOUTHEASTERN Credit Union $1,895,000 $120,000 -93.7% 0.0%
SUMMIT FUNDING, INC. $365,000 $120,000 -67.1% 0.0%
Associated Credit Union $115,000 n/a 0.0%
DIAMOND RESIDENTIAL MORTGAGE CORPORATION $115,000 n/a 0.0%
Ixonia Bank $115,000 n/a 0.0%
Mortgage Network, Inc. $115,000 n/a 0.0%
OPEN MORTGAGE, LLC $115,000 n/a 0.0%
Sierra Pacific Mortgage Company, Inc. $115,000 n/a 0.0%
SUCCESS MORTGAGE PARTNERS, INC. $115,000 n/a 0.0%
OCEANSIDE MORTGAGE COMPANY $315,000 $105,000 -66.7% 0.0%
Vibrant Credit Union $105,000 n/a 0.0%
WESTERN EXPRESS LENDING $105,000 n/a 0.0%
FIRST COMMUNITY MORTGAGE, INC. $95,000 n/a 0.0%
Peoples Bank $75,000 $95,000 26.7% 0.0%
1ST SIGNATURE LENDING, LLC $255,000 $85,000 -66.7% 0.0%
LENDINGONE, LLC $85,000 n/a 0.0%
Bethpage Federal Credit Union $80,000 n/a 0.0%
COUNTRYPLACE MORTGAGE, LTD. $75,000 n/a 0.0%
HOMESTEAD FUNDING CORP. $610,000 $75,000 -87.7% 0.0%
LENDING 3, INC. $75,000 n/a 0.0%
MILEND, INC. $345,000 $75,000 -78.3% 0.0%
Brighton Bank $65,000 n/a 0.0%
ALLIANT CREDIT UNION $55,000 n/a 0.0%
EvaBank $55,000 n/a 0.0%
Prosperity Home Mortgage, LLC $55,000 n/a 0.0%
ROBINS FINANCIAL $670,000 $55,000 -91.8% 0.0%
Thomasville National Bank $55,000 n/a 0.0%
KeyBank $445,000 $45,000 -89.9% 0.0%
PrimeSouth Bank $45,000 n/a 0.0%
TC FEDERAL BANK $45,000 n/a 0.0%
GEORGIA UNITED $170,000 $35,000 -79.4% 0.0%
SmartBank $35,000 n/a 0.0%
SPRING EQ, LLC $55,000 $35,000 -36.4% 0.0%

ALBANY's top lender by overall market share is QUICKEN LOANS, LLC, with 12.4% market share. In second place, with 5.7%, is Flagstar Bank, FSB, having originated $37,335,000 in loans. In third place, with 5.6%, is Colony Bank, having originated $36,350,000 in loans. In third place, with 4.9%, is Wells Fargo Bank, having originated $32,205,000 in loans. In third place, with 4.1%, is Renasant Bank, having originated $26,840,000 in loans.


ALBANY, GA Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 1,597 $344,925,000 $215,983
Refi 1,214 $203,930,000 $167,982
Cash Out Refi 498 $91,440,000 $183,614
Home Improvement 83 $6,755,000 $81,386
Other 68 $5,310,000 $78,088

Albany's most frequently cited loan purpose was Home Purchase, with 1,597 originations. The 2nd most popular reason was Refi, with 1,214 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
2.5-3% 1,166 $238,950,000 $204,931
3-4% 1,065 $208,065,000 $195,366
<2.5% 562 $104,360,000 $185,694
4-5% 162 $35,400,000 $218,519
Over 8% 90 $6,700,000 $74,444
5-6% 32 $2,900,000 $90,625
6-7% 23 $2,275,000 $98,913
7-8% 11 $695,000 $63,182

During 2021, Albany's most frequently originated rate bucket was 2.5-3%, with 1,166 originations.

Loan Sizing (ALBANY, GA MSA)

Loan Size Originations Total Value Average Loan
$100k-200k 1,596 $234,530,000 $146,949
$200k-400k 897 $240,045,000 $267,609
$100,000 or less 858 $52,970,000 $61,737
$400k-600k 81 $37,775,000 $466,358
$Over $1MM 17 $78,915,000 $4,642,059
$600k-1000k 11 $8,125,000 $738,636

ALBANY's loan sizing saw the bucket of loans from $100k-200k with 1,596 originations, totaling $234,530,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 1,610 $320,640,000 $199,155
60-80% 858 $187,290,000 $218,287
40-60% 243 $35,775,000 $147,222
20-40% 114 $8,420,000 $73,860
Under 20% 73 $3,265,000 $44,726
Over 100% 69 $16,095,000 $233,261

ALBANY's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 1,610 originations, totaling $320,640,000 in origination value.


Market Conditions (Median, Average Prices & Listing Count)

Realtor.com - ALBANY (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 (4.3%) $151,831 (11.4%) 0.44 616
2018-02-01 $119,900 (4.4%) $155,724 (14.6%) 0.43 614
2018-03-01 $124,900 (8.6%) $156,873 (9.9%) 0.43 641
2018-04-01 $129,900 (13.0%) $163,659 (10.3%) 0.44 631
2018-05-01 $129,950 (8.4%) $165,835 (5.5%) 0.43 627
2018-06-01 $129,900 (0.7%) $165,821 (2.9%) 0.43 639
2018-07-01 $122,500 (-4.0%) $157,737 (-1.2%) 0.41 654
2018-08-01 $128,670 (-1.0%) $158,817 (-3.2%) 0.43 627
2018-09-01 $127,000 (-2.2%) $157,505 (-4.2%) 0.42 645
2018-10-01 $127,450 (-1.9%) $157,057 (-3.3%) 0.43 636
2018-11-01 $124,900 (-3.6%) $155,562 (-0.8%) 0.42 628
2018-12-01 $119,000 (-4.7%) $150,768 (-1.2%) 0.41 587
2019-01-01 $117,900 (-1.7%) $149,682 (-1.4%) 0.41 513
2019-02-01 $117,733 (-1.8%) $149,574 (-4.0%) 0.39 502
2019-03-01 $117,000 (-6.3%) $148,620 (-5.3%) 0.38 512
2019-04-01 $115,000 (-11.5%) $147,650 (-9.8%) 0.36 534
2019-05-01 $115,900 (-10.8%) $148,486 (-10.5%) 0.36 542
2019-06-01 $115,000 (-11.5%) $147,397 (-11.1%) 0.35 568
2019-07-01 $122,450 (0.0%) $151,311 (-4.1%) 0.38 616
2019-08-01 $119,514 (-7.1%) $149,129 (-6.1%) 0.38 617
2019-09-01 $119,302 (-6.1%) $147,869 (-6.1%) 0.38 582
2019-10-01 $120,950 (-5.1%) $152,028 (-3.2%) 0.39 550
2019-11-01 $129,200 (3.4%) $157,859 (1.5%) 0.42 515
2019-12-01 $134,950 (13.4%) $160,951 (6.8%) 0.45 482
2020-01-01 $137,550 (16.7%) $161,461 (7.9%) 0.46 444
2020-02-01 $137,600 (16.9%) $161,633 (8.1%) 0.44 461
2020-03-01 $136,500 (16.7%) $161,880 (8.9%) 0.43 476
2020-04-01 $137,150 (19.3%) $163,517 (10.8%) 0.43 461
2020-05-01 $139,000 (19.9%) $165,188 (11.3%) 0.42 436
2020-06-01 $141,400 (23.0%) $171,467 (16.3%) 0.41 381
2020-07-01 $139,900 (14.3%) $172,023 (13.7%) 0.40 313
2020-08-01 $135,000 (13.0%) $168,997 (13.3%) 0.39 304
2020-09-01 $147,450 (23.6%) $180,698 (22.2%) 0.42 281
2020-10-01 $154,000 (27.3%) $185,452 (22.0%) 0.44 304
2020-11-01 $146,750 (13.6%) $181,978 (15.3%) 0.42 278
2020-12-01 $144,950 (7.4%) $183,530 (14.0%) 0.43 281
2021-01-01 $144,900 (5.3%) $182,576 (13.1%) 0.43 259
2021-02-01 $144,900 (5.3%) $177,710 (10.0%) 0.42 253
2021-03-01 $129,900 (-4.8%) $172,100 (6.3%) 0.36 237
2021-04-01 $123,500 (-10.0%) $165,474 (1.2%) 0.33 221
2021-05-01 $114,900 (-17.3%) $168,607 (2.1%) 0.30 204
2021-06-01 $134,900 (-4.6%) $170,385 (-0.6%) 0.35 206
2021-07-01 $144,750 (3.5%) $176,382 (2.5%) 0.38 220
2021-08-01 $132,400 (-1.9%) $167,631 (-0.8%) 0.35 232
2021-09-01 $146,250 (-0.8%) $174,369 (-3.5%) 0.38 261
2021-10-01 $139,900 (-9.2%) $171,574 (-7.5%) 0.37 225
2021-11-01 $139,900 (-4.7%) $171,026 (-6.0%) 0.37 232
2021-12-01 $122,250 (-15.7%) $154,535 (-15.8%) 0.33 232
2022-01-01 $116,000 (-19.9%) $159,160 (-12.8%) 0.31 187
2022-02-01 $131,000 (-9.6%) $194,588 (9.5%) 0.33 173
2022-03-01 $137,450 (5.8%) $188,695 (9.6%) 0.34 174
2022-04-01 $169,900 (37.6%) $204,705 (23.7%) 0.40 181
2022-05-01 $169,900 (47.9%) $215,144 (27.6%) 0.38 183
ALBANY's median listing price for 2022-05-01 was $169,900, a difference of $55,000 (47.9%) versus the prior year and $0 versus the prior month.

ALBANY's median listing price comes in at 38% of the national average.

ALBANY's average listing price for 2022-05-01 was $215,144, a difference of $46,537 (27.6%) versus the prior year and $10,439 versus the prior month.

For the 2022-05-01 period, ALBANY had 183 MLS listings, a difference of 2 listings (1%) versus the prior month and -21 listings (-10%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - ALBANY (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 106 days 1,827 sqft
2018-02-01 106 days 1,854 sqft
2018-03-01 97 days 1,862 sqft
2018-04-01 88 days 1,891 sqft
2018-05-01 88 days 1,885 sqft
2018-06-01 92 days 1,862 sqft
2018-07-01 86 days 1,813 sqft
2018-08-01 94 days 1,844 sqft
2018-09-01 92 days 1,850 sqft
2018-10-01 103 days 1,836 sqft
2018-11-01 123 days 1,830 sqft
2018-12-01 124 days 1,792 sqft
2019-01-01 129 days 1,800 sqft
2019-02-01 125 days 1,772 sqft
2019-03-01 97 days 1,742 sqft
2019-04-01 74 days 1,717 sqft
2019-05-01 74 days 1,737 sqft
2019-06-01 72 days 1,709 sqft
2019-07-01 68 days 1,711 sqft
2019-08-01 79 days 1,708 sqft
2019-09-01 87 days 1,713 sqft
2019-10-01 95 days 1,762 sqft
2019-11-01 105 days 1,794 sqft
2019-12-01 98 days 1,817 sqft
2020-01-01 103 days 1,825 sqft
2020-02-01 97 days 1,837 sqft
2020-03-01 67 days 1,822 sqft
2020-04-01 69 days 1,830 sqft
2020-05-01 80 days 1,841 sqft
2020-06-01 91 days 1,863 sqft
2020-07-01 86 days 1,866 sqft
2020-08-01 64 days 1,850 sqft
2020-09-01 64 days 1,950 sqft
2020-10-01 53 days 1,924 sqft
2020-11-01 55 days 1,926 sqft
2020-12-01 65 days 1,936 sqft
2021-01-01 78 days 1,938 sqft
2021-02-01 74 days 1,905 sqft
2021-03-01 47 days 1,747 sqft
2021-04-01 41 days 1,676 sqft
2021-05-01 51 days 1,655 sqft
2021-06-01 48 days 1,708 sqft
2021-07-01 42 days 1,713 sqft
2021-08-01 43 days 1,653 sqft
2021-09-01 43 days 1,707 sqft
2021-10-01 50 days 1,674 sqft
2021-11-01 45 days 1,675 sqft
2021-12-01 48 days 1,559 sqft
2022-01-01 51 days 1,595 sqft
2022-02-01 47 days 1,616 sqft
2022-03-01 56 days 1,636 sqft
2022-04-01 34 days 1,645 sqft
2022-05-01 38 days 1,686 sqft
ALBANY's median listing age (time on market) for 2022-05-01 was 38 days. This is -26% shorter than the same period one year ago.

ALBANY's median square footage for active listings during the 2022-05-01 period was 1,686 sqft. One year prior, the average listing was 1,655 sqft.