ALBANY Mortgage Rates & Closing Costs
30yr Fixed Rate
15yr Fixed Rate
FHA
USDA
VA
5/1 ARM
30 Year Fixed Rate mortgages in Albany averaged
7.49%
for the week of 2026-11-05, compared to the national average of
7.18% for the same period.
The average rate for the prior week (2026-10-29) was
7.25% and
one month ago for the week of 2026-10-01, the
average rate was 7.39%.
Albany's average rate one year ago was 6.58%.
For refis of the same type during the week of 2026-11-05, the average rate
was 7.58%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2026-11-05 | 7.18% |
| Albany 30 Year Fixed Rate | 2026-11-05 | 7.49% |
| Albany 30 Year Fixed Rate Refi | 2026-11-05 | 7.58% |
| Albany 15 Year Fixed Rate | 2026-11-05 | 6.77% |
| Albany 15 Year Fixed Rate Refi | 2026-11-05 | 6.87% |
| Albany 30 Year FHA | 2026-11-05 | 7.11% |
| Albany 30 Year FHA Refi | 2026-11-05 | 6.83% |
| Albany 30 Year USDA | 2026-11-05 | 7% |
| Albany 30 Year USDA Refi | 2026-11-05 | 6.8% |
| Albany 30 Year VA | 2026-11-05 | 6.97% |
| Albany 30 Year VA Refi | 2026-11-05 | 6.59% |
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 lender, 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.).
ALBANY Average Closing Costs & Other Stats
ALBANY, GA's 83 lenders originated 2,350
loans during 2025. The total origination value was $443,060,000, with an average loan value of
$188,536.
ALBANY's average closing costs are $5,545.
The top ALBANY lender as defined by loan originations is QUICKEN LOANS, LLC, with
48 loans originated. Their average total fees are
$5,871, which is $739
higher than the next largest lender,
Colony Bank.
The lowest fee ALBANY lenders (with over 10 loans originated) are
Truist ($4,506), NAVY FEDERAL CREDIT UNION ($4,593), Colony Bank ($5,133), Renasant Bank ($5,267) and PENNYMAC LOAN SERVICES, LLC ($5,284).
The lowest rate ALBANY lenders (with over 10 loans originated) are
Synovus Bank (6.34%), UNITED WHOLESALE MORTGAGE, LLC (6.60%), Colony Bank (6.61%), PENNYMAC LOAN SERVICES, LLC (6.65%) and Renasant Bank (6.73%).
ALBANY, GA 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 | 2024 Loan Value | 2025 Loan Value | % Change | 2025 Market Share |
|---|---|---|---|---|
| QUICKEN LOANS, LLC | $27,710,000 | $31,085,000 | 12.2% | 7.0% |
| UNITED WHOLESALE MORTGAGE, LLC | $16,775,000 | $26,795,000 | 59.7% | 6.0% |
| Flint Community Bank | $15,395,000 | $24,165,000 | 57.0% | 5.5% |
| PENNYMAC LOAN SERVICES, LLC | $4,885,000 | $22,425,000 | 359.1% | 5.1% |
| Colony Bank | $14,645,000 | $20,400,000 | 39.3% | 4.6% |
| Georgia Community Bank | $24,835,000 | $20,360,000 | -18.0% | 4.6% |
| Mortgage Research Center, LLC | $21,135,000 | $18,665,000 | -11.7% | 4.2% |
| Renasant Bank | $11,810,000 | $17,945,000 | 51.9% | 4.1% |
| NAVY FEDERAL CREDIT UNION | $11,850,000 | $13,825,000 | 16.7% | 3.1% |
| Ameris Bank | $10,970,000 | $13,335,000 | 21.6% | 3.0% |
| FREEDOM MORTGAGE CORPORATION | $7,325,000 | $10,080,000 | 37.6% | 2.3% |
| Synovus Bank | $17,495,000 | $9,750,000 | -44.3% | 2.2% |
| FIRST TECHNOLOGY | $8,905,000 | n/a | 2.0% | |
| NEWREZ LLC | $2,860,000 | $8,835,000 | 208.9% | 2.0% |
| BROKER SOLUTIONS, INC. | $4,150,000 | $8,240,000 | 98.6% | 1.9% |
| GREYSTONE SERVICING COMPANY LLC | $26,560,000 | $6,685,000 | -74.8% | 1.5% |
| Flagstar Bank, FSB | $40,740,000 | $6,415,000 | -84.3% | 1.4% |
| Truist | $4,935,000 | $5,670,000 | 14.9% | 1.3% |
| CANOPY MORTGAGE, LLC | $3,705,000 | $5,295,000 | 42.9% | 1.2% |
| Mr. Cooper ( Nationstar Mortgage ) | $2,680,000 | $5,055,000 | 88.6% | 1.1% |
| LOANDEPOT.COM, LLC | $3,045,000 | $4,725,000 | 55.2% | 1.1% |
| COREVEST AMERICAN FINANCE LENDER LLC | $4,695,000 | n/a | 1.1% | |
| VILLAGE CAPITAL MORTGAGE | $2,025,000 | $4,360,000 | 115.3% | 1.0% |
| Bank of Dawson | $4,045,000 | $4,270,000 | 5.6% | 1.0% |
| First State Bank of Blakely, Inc. | $4,275,000 | $4,040,000 | -5.5% | 0.9% |
| Five Star Credit Union | $970,000 | $3,910,000 | 303.1% | 0.9% |
| Farmers & Merchants Bank | $35,000 | $3,535,000 | 10,000.0% | 0.8% |
| PeoplesSouth Bank | $6,320,000 | $3,385,000 | -46.4% | 0.8% |
| GEORGIA'S OWN | $3,125,000 | $3,380,000 | 8.2% | 0.8% |
| PLANET HOME LENDING, LLC | $780,000 | $3,135,000 | 301.9% | 0.7% |
| AMERISAVE MORTGAGE CORPORATION | $1,840,000 | $3,030,000 | 64.7% | 0.7% |
| Regions Bank | $1,125,000 | $2,960,000 | 163.1% | 0.7% |
| TOWNE MORTGAGE COMPANY | $1,575,000 | $2,880,000 | 82.9% | 0.7% |
| Barrington Bank & Trust Company, N.A. | $2,555,000 | $2,815,000 | 10.2% | 0.6% |
| Southern First Bank | $175,000 | $2,585,000 | 1,377.1% | 0.6% |
| 21ST MORTGAGE CORPORATION | $2,730,000 | $2,500,000 | -8.4% | 0.6% |
| Bank of America | $970,000 | $2,320,000 | 139.2% | 0.5% |
| USAA Federal Savings Bank | $3,300,000 | $2,170,000 | -34.2% | 0.5% |
| U.S. Bank | $2,030,000 | $2,160,000 | 6.4% | 0.5% |
| A&D Mortgage LLC | $2,030,000 | n/a | 0.5% | |
| LAKEVIEW LOAN SERVICING, LLC | $1,010,000 | $1,840,000 | 82.2% | 0.4% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $860,000 | $1,820,000 | 111.6% | 0.4% |
| Equity Prime Mortgage LLC | $1,250,000 | $1,780,000 | 42.4% | 0.4% |
| NEW DAY FINANCIAL, LLC | $2,740,000 | $1,770,000 | -35.4% | 0.4% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $1,165,000 | $1,760,000 | 51.1% | 0.4% |
| CROSSCOUNTRY MORTGAGE, LLC | $850,000 | $1,720,000 | 102.4% | 0.4% |
| GUARANTEED RATE, INC. | $95,000 | $1,625,000 | 1,610.5% | 0.4% |
| AMERICAN FINANCIAL RESOURCES, INC. | $440,000 | $1,570,000 | 256.8% | 0.4% |
| CALCON MUTUAL MORTGAGE LLC | $1,530,000 | $1,520,000 | -0.7% | 0.3% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $105,000 | $1,515,000 | 1,342.9% | 0.3% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $430,000 | $1,335,000 | 210.5% | 0.3% |
| AMERICAN FINANCIAL NETWORK, INC. | $1,190,000 | $1,280,000 | 7.6% | 0.3% |
| Century Mortgage Company DBA Century Lending Company | $1,270,000 | n/a | 0.3% | |
| Citizens Bank | $45,000 | $1,245,000 | 2,666.7% | 0.3% |
| Wells Fargo Bank | $2,785,000 | $1,240,000 | -55.5% | 0.3% |
| GUILD MORTGAGE COMPANY | $420,000 | $1,175,000 | 179.8% | 0.3% |
| United Bank | $1,160,000 | n/a | 0.3% | |
| Capital City Home Loans, LLC | $5,145,000 | $1,080,000 | -79.0% | 0.2% |
| First Federal Bank | $390,000 | $1,070,000 | 174.4% | 0.2% |
| SOUTHEAST MORTGAGE OF GEORGIA, INC. | $915,000 | $1,040,000 | 13.7% | 0.2% |
| Carrington Mortgage Services, LLC | $2,225,000 | $1,030,000 | -53.7% | 0.2% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | $1,025,000 | n/a | 0.2% | |
| United Community Bank | $450,000 | $1,025,000 | 127.8% | 0.2% |
| CMG MORTGAGE, INC. | $860,000 | $1,015,000 | 18.0% | 0.2% |
| PrimeSouth Bank | $965,000 | n/a | 0.2% | |
| GMFS LLC | $915,000 | n/a | 0.2% | |
| T2 FINANCIAL LLC | $890,000 | n/a | 0.2% | |
| The Federal Savings Bank | $1,880,000 | $885,000 | -52.9% | 0.2% |
| EMM LOANS LLC | $495,000 | $875,000 | 76.8% | 0.2% |
| HOMESIDE FINANCIAL, LLC | $330,000 | $855,000 | 159.1% | 0.2% |
| CHURCHILL MORTGAGE CORPORATION | $195,000 | $815,000 | 317.9% | 0.2% |
| GENEVA FINANCIAL, LLC | $520,000 | $815,000 | 56.7% | 0.2% |
| GUARANTEED RATE AFFINITY, LLC | $490,000 | $810,000 | 65.3% | 0.2% |
| M&T Bank | $765,000 | n/a | 0.2% | |
| Paramount Residential Mortgage Group, Inc. | $825,000 | $755,000 | -8.5% | 0.2% |
| Discover Bank | $545,000 | $725,000 | 33.0% | 0.2% |
| LOANPAL, LLC | $445,000 | $720,000 | 61.8% | 0.2% |
| Magnolia Bank | $720,000 | n/a | 0.2% | |
| NFM, INC. | $195,000 | $720,000 | 269.2% | 0.2% |
| FirstBank | $715,000 | n/a | 0.2% | |
| Hometown Equity Mortgage, LLC | $325,000 | $685,000 | 110.8% | 0.2% |
| SPRING EQ, LLC | $55,000 | $685,000 | 1,145.5% | 0.2% |
| River Bank & Trust | $680,000 | n/a | 0.2% | |
| SUN WEST MORTGAGE COMPANY, INC. | $600,000 | $665,000 | 10.8% | 0.2% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | $2,205,000 | $655,000 | -70.3% | 0.1% |
| The Huntington National Bank | $655,000 | n/a | 0.1% | |
| JPMorgan Chase Bank | $775,000 | $650,000 | -16.1% | 0.1% |
| Centennial Bank | $4,920,000 | $605,000 | -87.7% | 0.1% |
| MILEND, INC. | $560,000 | $605,000 | 8.0% | 0.1% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $960,000 | $600,000 | -37.5% | 0.1% |
| LIMA ONE CAPITAL, LLC | $820,000 | $585,000 | -28.7% | 0.1% |
| Loan Simple, Inc. | $580,000 | n/a | 0.1% | |
| SOUTHWEST STAGE FUNDING, LLC | $365,000 | $555,000 | 52.1% | 0.1% |
| UNION HOME MORTGAGE CORP. | $105,000 | $550,000 | 423.8% | 0.1% |
| LENDINGHOME FUNDING CORPORATION | $955,000 | $545,000 | -42.9% | 0.1% |
| Mid-Continent Funding, Inc. | $175,000 | $540,000 | 208.6% | 0.1% |
| AMERICAN FINANCING CORPORATION | $125,000 | $525,000 | 320.0% | 0.1% |
| Figure Lending LLC | $465,000 | $525,000 | 12.9% | 0.1% |
| PNC Bank | $195,000 | $525,000 | 169.2% | 0.1% |
| AmeriHome Mortgage Company, LLC | $520,000 | n/a | 0.1% | |
| FIRST COLONY MORTGAGE CORPORATION | $600,000 | $520,000 | -13.3% | 0.1% |
| BANKSOUTH MORTGAGE COMPANY, LLC | $1,055,000 | $510,000 | -51.7% | 0.1% |
| American Security Mortgage Corp. | $505,000 | n/a | 0.1% | |
| Commercial Banking Company | $620,000 | $495,000 | -20.2% | 0.1% |
| FIRST COMMUNITY MORTGAGE, INC. | $490,000 | n/a | 0.1% | |
| LENDINGONE, LLC | $1,640,000 | $465,000 | -71.6% | 0.1% |
| MOVEMENT MORTGAGE, LLC | $865,000 | $465,000 | -46.2% | 0.1% |
| CLEARPATH LENDING | $495,000 | $450,000 | -9.1% | 0.1% |
| BETTER MORTGAGE CORPORATION | $355,000 | $445,000 | 25.4% | 0.1% |
| GREENSTATE CREDIT UNION | $435,000 | n/a | 0.1% | |
| DIGITAL Federal Credit Union | $205,000 | $430,000 | 109.8% | 0.1% |
| PLAZA HOME MORTGAGE, INC. | $420,000 | n/a | 0.1% | |
| South State Bank | $895,000 | $420,000 | -53.1% | 0.1% |
| RELIANCE FIRST CAPITAL, LLC | $455,000 | $410,000 | -9.9% | 0.1% |
| Axos Bank | $405,000 | n/a | 0.1% | |
| Ixonia Bank | $405,000 | n/a | 0.1% | |
| MID AMERICA MORTGAGE, INC. | $350,000 | $400,000 | 14.3% | 0.1% |
| TRIAD FINANCIAL SERVICES, INC. | $330,000 | $395,000 | 19.7% | 0.1% |
| STOCKTON MORTGAGE CORPORATION | $375,000 | n/a | 0.1% | |
| AMERICAN HERITAGE LENDING, INC. | $105,000 | $370,000 | 252.4% | 0.1% |
| CARDINAL FINANCIAL | $590,000 | $370,000 | -37.3% | 0.1% |
| SENTE MORTGAGE, INC. | $370,000 | n/a | 0.1% | |
| VELOCITY COMMERCIAL CAPITAL, LLC | $85,000 | $370,000 | 335.3% | 0.1% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $750,000 | $365,000 | -51.3% | 0.1% |
| SECURITYNATIONAL MORTGAGE COMPANY | $225,000 | $365,000 | 62.2% | 0.1% |
| EVERETT FINANCIAL, INC. | $465,000 | $345,000 | -25.8% | 0.1% |
| GENISYS | $95,000 | $345,000 | 263.2% | 0.1% |
| RAIN CITY CAPITAL, LLC | $340,000 | n/a | 0.1% | |
| JUSTICE Federal Credit Union | $325,000 | n/a | 0.1% | |
| ROYAL UNITED MORTGAGE LLC | $765,000 | $325,000 | -57.5% | 0.1% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $585,000 | $310,000 | -47.0% | 0.1% |
| Simmons Bank | $305,000 | n/a | 0.1% | |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $245,000 | $285,000 | 16.3% | 0.1% |
| Bank of England | $285,000 | n/a | 0.1% | |
| DELTA COMMUNITY CREDIT UNION | $275,000 | n/a | 0.1% | |
| DELMAR FINANCIAL COMPANY | $265,000 | n/a | 0.1% | |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | $265,000 | n/a | 0.1% | |
| Heritage Bank & Trust | $255,000 | n/a | 0.1% | |
| Brighton Bank | $245,000 | n/a | 0.1% | |
| Franklin Loan Corporation | $245,000 | n/a | 0.1% | |
| NexBank | $225,000 | n/a | 0.1% | |
| HOMEXPRESS MORTGAGE CORP. | $215,000 | $215,000 | 0.0% | 0.0% |
| Northpointe Bank | $390,000 | $215,000 | -44.9% | 0.0% |
| SHELTER HOME MORTGAGE, LLC | $215,000 | n/a | 0.0% | |
| Thomasville National Bank | $215,000 | n/a | 0.0% | |
| CREDIT HUMAN FEDERAL CREDIT UNION | $95,000 | $210,000 | 121.1% | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | $210,000 | n/a | 0.0% | |
| BancorpSouth | $495,000 | $205,000 | -58.6% | 0.0% |
| ENDEAVOR CAPITAL, LLC. | $175,000 | $205,000 | 17.1% | 0.0% |
| The Dart Bank | $205,000 | n/a | 0.0% | |
| The Loan Store, Inc. | $245,000 | $190,000 | -22.4% | 0.0% |
| Nations Lending Corporation | $185,000 | n/a | 0.0% | |
| ATLANTA POSTAL | $95,000 | $175,000 | 84.2% | 0.0% |
| Citizens Bank | $45,000 | $175,000 | 288.9% | 0.0% |
| MORTGAGE INVESTORS GROUP, INC. | $980,000 | $175,000 | -82.1% | 0.0% |
| MORTGAGEONE, INC. | $175,000 | n/a | 0.0% | |
| ZILLOW HOME LOANS, LLC | $970,000 | $175,000 | -82.0% | 0.0% |
| DATA MORTGAGE, INC. | $165,000 | n/a | 0.0% | |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $165,000 | n/a | 0.0% | |
| CSL Financial, LLC | $65,000 | $155,000 | 138.5% | 0.0% |
| Performance Financial, Inc. | $150,000 | n/a | 0.0% | |
| Atlantic Coast Mortgage, LLC | $145,000 | n/a | 0.0% | |
| FINANCE OF AMERICA REVERSE LLC | $65,000 | $145,000 | 123.1% | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | $130,000 | n/a | 0.0% | |
| First Option Mortgage, LLC | $125,000 | n/a | 0.0% | |
| MEMBER FIRST MORTGAGE, LLC | $145,000 | $125,000 | -13.8% | 0.0% |
| Coastal Community Bank | $120,000 | n/a | 0.0% | |
| First National Bank of America | $105,000 | n/a | 0.0% | |
| Metro City Bank | $185,000 | $105,000 | -43.2% | 0.0% |
| Morris Bank | $235,000 | $105,000 | -55.3% | 0.0% |
| Plains Commerce Bank | $105,000 | n/a | 0.0% | |
| RESIDENTIAL BANCORP | $105,000 | n/a | 0.0% | |
| PENTAGON FEDERAL CREDIT UNION | $350,000 | $95,000 | -72.9% | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $85,000 | n/a | 0.0% | |
| LENDSURE MORTGAGE CORP. | $85,000 | n/a | 0.0% | |
| PHH Mortgage Corporation | $85,000 | n/a | 0.0% | |
| Texana Bank | $235,000 | $85,000 | -63.8% | 0.0% |
| TOP FLITE FINANCIAL, INC. | $240,000 | $85,000 | -64.6% | 0.0% |
| US MORTGAGE CORPORATION | $85,000 | n/a | 0.0% | |
| Deere Employees Credit Union | $75,000 | n/a | 0.0% | |
| GTE Federal Credit Union | $75,000 | n/a | 0.0% | |
| ALL IN | $65,000 | n/a | 0.0% | |
| BMO Harris Bank | $65,000 | n/a | 0.0% | |
| Fifth Third Bank | $445,000 | $55,000 | -87.6% | 0.0% |
| PLANTERS FIRST BANK | $45,000 | n/a | 0.0% | |
| Truliant Federal Credit Union | $45,000 | n/a | 0.0% |
ALBANY's top lender by overall market share is QUICKEN LOANS, LLC, with 7.0% market share. In second place, with 6.0%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $26,795,000 in loans. In third place, with 5.5%, is Flint Community Bank, having originated $24,165,000 in loans. In fourth place, with 5.1%, is PENNYMAC LOAN SERVICES, LLC, having originated $22,425,000 in loans. In fifth place, with 4.6%, is Colony Bank, having originated $20,400,000 in loans.
ALBANY Housing Market Trends (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%) | $150,518 (9.8%) | 0.44 | 581 |
| 2018-02-01 | $119,900 (4.3%) | $154,222 (13.2%) | 0.44 | 581 |
| 2018-03-01 | $124,000 (7.4%) | $154,431 (8.4%) | 0.44 | 603 |
| 2018-04-01 | $129,900 (9.3%) | $161,849 (9.1%) | 0.44 | 590 |
| 2018-05-01 | $129,900 (8.3%) | $164,043 (5.0%) | 0.43 | 589 |
| 2018-06-01 | $129,900 (0.4%) | $163,899 (2.1%) | 0.43 | 602 |
| 2018-07-01 | $122,500 (-4.3%) | $155,992 (-1.6%) | 0.41 | 612 |
| 2018-08-01 | $128,950 (-0.8%) | $157,633 (-3.7%) | 0.43 | 593 |
| 2018-09-01 | $125,000 (-3.8%) | $156,084 (-4.3%) | 0.42 | 619 |
| 2018-10-01 | $126,375 (-1.0%) | $155,465 (-3.3%) | 0.43 | 608 |
| 2018-11-01 | $122,450 (-5.4%) | $152,829 (-1.2%) | 0.42 | 597 |
| 2018-12-01 | $118,450 (-5.2%) | $149,094 (-1.8%) | 0.41 | 560 |
| 2019-01-01 | $116,900 (-2.5%) | $147,935 (-1.7%) | 0.40 | 494 |
| 2019-02-01 | $116,258 (-3.0%) | $146,725 (-4.9%) | 0.39 | 485 |
| 2019-03-01 | $118,329 (-4.6%) | $148,143 (-4.1%) | 0.39 | 487 |
| 2019-04-01 | $118,479 (-8.8%) | $149,058 (-7.9%) | 0.38 | 498 |
| 2019-05-01 | $115,975 (-10.7%) | $148,259 (-9.6%) | 0.36 | 511 |
| 2019-06-01 | $116,500 (-10.3%) | $147,950 (-9.7%) | 0.36 | 538 |
| 2019-07-01 | $122,500 (0.0%) | $151,270 (-3.0%) | 0.38 | 583 |
| 2019-08-01 | $119,950 (-7.0%) | $150,577 (-4.5%) | 0.38 | 595 |
| 2019-09-01 | $119,950 (-4.0%) | $151,191 (-3.1%) | 0.38 | 565 |
| 2019-10-01 | $119,950 (-5.1%) | $151,802 (-2.4%) | 0.39 | 528 |
| 2019-11-01 | $129,425 (5.7%) | $157,693 (3.2%) | 0.42 | 488 |
| 2019-12-01 | $134,950 (13.9%) | $161,718 (8.5%) | 0.45 | 457 |
| 2020-01-01 | $134,275 (14.9%) | $160,107 (8.2%) | 0.45 | 421 |
| 2020-02-01 | $135,000 (16.1%) | $160,393 (9.3%) | 0.44 | 432 |
| 2020-03-01 | $131,950 (11.5%) | $159,265 (7.5%) | 0.41 | 449 |
| 2020-04-01 | $134,900 (13.9%) | $162,162 (8.8%) | 0.42 | 432 |
| 2020-05-01 | $135,000 (16.4%) | $163,444 (10.2%) | 0.41 | 408 |
| 2020-06-01 | $137,425 (18.0%) | $170,244 (15.1%) | 0.40 | 358 |
| 2020-07-01 | $138,075 (12.7%) | $169,935 (12.3%) | 0.40 | 292 |
| 2020-08-01 | $135,000 (12.6%) | $167,876 (11.5%) | 0.39 | 280 |
| 2020-09-01 | $142,250 (18.6%) | $181,411 (20.0%) | 0.41 | 265 |
| 2020-10-01 | $149,900 (25.0%) | $184,503 (21.5%) | 0.43 | 280 |
| 2020-11-01 | $145,000 (12.0%) | $181,726 (15.2%) | 0.42 | 252 |
| 2020-12-01 | $144,000 (6.7%) | $184,724 (14.2%) | 0.43 | 254 |
| 2021-01-01 | $144,950 (8.0%) | $185,940 (16.1%) | 0.43 | 236 |
| 2021-02-01 | $138,875 (2.9%) | $179,597 (12.0%) | 0.40 | 228 |
| 2021-03-01 | $122,850 (-6.9%) | $171,325 (7.6%) | 0.35 | 217 |
| 2021-04-01 | $119,975 (-11.1%) | $163,593 (0.9%) | 0.32 | 208 |
| 2021-05-01 | $110,000 (-18.5%) | $166,599 (1.9%) | 0.29 | 193 |
| 2021-06-01 | $127,475 (-7.2%) | $167,394 (-1.7%) | 0.34 | 193 |
| 2021-07-01 | $133,500 (-3.3%) | $168,435 (-0.9%) | 0.35 | 210 |
| 2021-08-01 | $126,525 (-6.3%) | $163,146 (-2.8%) | 0.34 | 225 |
| 2021-09-01 | $139,900 (-1.7%) | $169,552 (-6.5%) | 0.37 | 246 |
| 2021-10-01 | $139,900 (-6.7%) | $166,621 (-9.7%) | 0.37 | 212 |
| 2021-11-01 | $134,475 (-7.3%) | $168,312 (-7.4%) | 0.36 | 219 |
| 2021-12-01 | $117,500 (-18.4%) | $152,919 (-17.2%) | 0.32 | 221 |
| 2022-01-01 | $115,000 (-20.7%) | $157,188 (-15.5%) | 0.31 | 180 |
| 2022-02-01 | $129,200 (-7.0%) | $195,534 (8.9%) | 0.34 | 166 |
| 2022-03-01 | $139,000 (13.2%) | $193,709 (13.1%) | 0.35 | 166 |
| 2022-04-01 | $173,000 (44.2%) | $210,329 (28.6%) | 0.41 | 174 |
| 2022-05-01 | $173,725 (57.9%) | $215,800 (29.5%) | 0.40 | 177 |
| 2022-06-01 | $180,600 (41.7%) | $222,729 (33.1%) | 0.40 | 195 |
| 2022-07-01 | $189,900 (42.3%) | $232,258 (37.9%) | 0.43 | 230 |
| 2022-08-01 | $208,750 (65.0%) | $235,817 (44.5%) | 0.48 | 235 |
| 2022-09-01 | $199,925 (42.9%) | $250,151 (47.5%) | 0.47 | 247 |
| 2022-10-01 | $209,900 (50.0%) | $238,936 (43.4%) | 0.49 | 249 |
| 2022-11-01 | $222,225 (65.3%) | $241,099 (43.3%) | 0.53 | 260 |
| 2022-12-01 | $199,900 (70.1%) | $229,206 (49.9%) | 0.49 | 252 |
| 2023-01-01 | $189,225 (64.5%) | $223,901 (42.4%) | 0.47 | 234 |
| 2023-02-01 | $171,125 (32.5%) | $231,676 (18.5%) | 0.41 | 238 |
| 2023-03-01 | $199,675 (43.7%) | $252,005 (30.1%) | 0.47 | 200 |
| 2023-04-01 | $217,450 (25.7%) | $256,715 (22.1%) | 0.51 | 186 |
| 2023-05-01 | $217,475 (25.2%) | $285,043 (32.1%) | 0.49 | 178 |
| 2023-06-01 | $226,350 (25.3%) | $307,836 (38.2%) | 0.51 | 192 |
| 2023-07-01 | $225,000 (18.5%) | $292,936 (26.1%) | 0.51 | 215 |
| 2023-08-01 | $212,450 (1.8%) | $290,179 (23.1%) | 0.49 | 249 |
| 2023-09-01 | $213,000 (6.5%) | $288,794 (15.5%) | 0.50 | 272 |
| 2023-10-01 | $200,000 (-4.7%) | $284,187 (18.9%) | 0.47 | 262 |
| 2023-11-01 | $200,000 (-10.0%) | $250,693 (4.0%) | 0.48 | 279 |
| 2023-12-01 | $200,000 (0.1%) | $245,141 (7.0%) | 0.49 | 264 |
| 2024-01-01 | $200,000 (5.7%) | $281,923 (25.9%) | 0.49 | 239 |
| 2024-02-01 | $205,000 (19.8%) | $267,991 (15.7%) | 0.49 | 264 |
| 2024-03-01 | $177,500 (-11.1%) | $243,262 (-3.5%) | 0.42 | 334 |
| 2024-04-01 | $183,750 (-15.5%) | $247,463 (-3.6%) | 0.43 | 327 |
| 2024-05-01 | $166,950 (-23.2%) | $245,898 (-13.7%) | 0.38 | 354 |
| 2024-06-01 | $189,900 (-16.1%) | $239,676 (-22.1%) | 0.43 | 464 |
| 2024-07-01 | $192,688 (-14.4%) | $238,428 (-18.6%) | 0.44 | 405 |
| 2024-08-01 | $199,500 (-6.1%) | $235,673 (-18.8%) | 0.46 | 389 |
| 2024-09-01 | $199,975 (-6.1%) | $236,282 (-18.2%) | 0.47 | 396 |
| 2024-10-01 | $193,750 (-3.1%) | $240,653 (-15.3%) | 0.46 | 405 |
| 2024-11-01 | $194,500 (-2.8%) | $238,493 (-4.9%) | 0.47 | 419 |
| 2024-12-01 | $199,900 (-0.1%) | $244,979 (-0.1%) | 0.50 | 370 |
| 2025-01-01 | $189,475 (-5.3%) | $243,246 (-13.7%) | 0.47 | 386 |
| 2025-02-01 | $180,267 (-12.1%) | $240,802 (-10.2%) | 0.44 | 389 |
| 2025-03-01 | $188,950 (6.5%) | $249,182 (2.4%) | 0.44 | 397 |
| 2025-04-01 | $192,975 (5.0%) | $251,325 (1.6%) | 0.45 | 399 |
| 2025-05-01 | $189,450 (13.5%) | $245,976 (0.0%) | 0.43 | 398 |
| 2025-06-01 | $192,450 (1.3%) | $247,802 (3.4%) | 0.44 | 400 |
| 2025-07-01 | $189,900 (-1.5%) | $244,092 (2.4%) | 0.43 | 433 |
| 2025-08-01 | $197,500 (-1.0%) | $251,592 (6.8%) | 0.46 | 430 |
| 2025-09-01 | $191,850 (-4.1%) | $242,735 (2.7%) | 0.45 | 430 |
| 2025-10-01 | $189,450 (-2.2%) | $237,589 (-1.3%) | 0.45 | 456 |
| 2025-11-01 | $194,500 (0.0%) | $245,413 (2.9%) | 0.47 | 455 |
| 2025-12-01 | $192,300 (-3.8%) | $247,766 (1.1%) | 0.48 | 419 |
| 2026-01-01 | $189,900 (0.2%) | $239,259 (-1.6%) | 0.47 | 414 |
| 2026-02-01 | $189,825 (5.3%) | $238,082 (-1.1%) | 0.47 | 435 |
| 2026-03-01 | $189,362 (0.2%) | $237,889 (-4.5%) | 0.46 | 431 |
| 2026-04-01 | $216,825 (12.4%) | $257,250 (2.4%) | 0.51 | 413 |
| 2026-05-01 | $230,000 (21.4%) | $260,652 (6.0%) | 0.54 | 399 |
| 2026-06-01 | $199,450 (3.6%) | $253,702 (2.4%) | 0.46 | 492 |
| 2026-07-01 | $199,950 (5.3%) | $257,967 (5.7%) | 0.47 | 513 |
| 2026-08-01 | $209,500 (6.1%) | $256,409 (1.9%) | 0.49 | 518 |
| 2026-09-01 | $197,000 (2.7%) | $251,465 (3.6%) | 0.00 | 579 |
| 2026-10-01 | $199,000 (5.0%) | $255,303 (7.5%) | 0.00 | 566 |
ALBANY's median listing price for 2026-10-01 was $199,000, a difference of
$9,550
(5.0%) versus the prior year and
$2,000 versus the prior month.
ALBANY's median listing price comes in at 0% of the national average.
ALBANY's average listing price for 2026-10-01 was $255,303, a difference of $17,714 (7.5%) versus the prior year and $3,838 versus the prior month.
For the 2026-10-01 period, ALBANY had 566 MLS listings, a difference of -13 listings (-2%) versus the prior month and 110 listings (24%) versus the prior year.
ALBANY's median listing price comes in at 0% of the national average.
ALBANY's average listing price for 2026-10-01 was $255,303, a difference of $17,714 (7.5%) versus the prior year and $3,838 versus the prior month.
For the 2026-10-01 period, ALBANY had 566 MLS listings, a difference of -13 listings (-2%) versus the prior month and 110 listings (24%) 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 | 88 days | 1,813 sqft |
| 2018-02-01 | 86 days | 1,840 sqft |
| 2018-03-01 | 73 days | 1,836 sqft |
| 2018-04-01 | 70 days | 1,866 sqft |
| 2018-05-01 | 73 days | 1,848 sqft |
| 2018-06-01 | 75 days | 1,839 sqft |
| 2018-07-01 | 73 days | 1,784 sqft |
| 2018-08-01 | 75 days | 1,802 sqft |
| 2018-09-01 | 79 days | 1,825 sqft |
| 2018-10-01 | 96 days | 1,809 sqft |
| 2018-11-01 | 97 days | 1,800 sqft |
| 2018-12-01 | 107 days | 1,765 sqft |
| 2019-01-01 | 118 days | 1,783 sqft |
| 2019-02-01 | 108 days | 1,753 sqft |
| 2019-03-01 | 88 days | 1,737 sqft |
| 2019-04-01 | 68 days | 1,725 sqft |
| 2019-05-01 | 68 days | 1,722 sqft |
| 2019-06-01 | 61 days | 1,708 sqft |
| 2019-07-01 | 59 days | 1,707 sqft |
| 2019-08-01 | 68 days | 1,713 sqft |
| 2019-09-01 | 79 days | 1,735 sqft |
| 2019-10-01 | 90 days | 1,753 sqft |
| 2019-11-01 | 95 days | 1,785 sqft |
| 2019-12-01 | 90 days | 1,806 sqft |
| 2020-01-01 | 95 days | 1,805 sqft |
| 2020-02-01 | 87 days | 1,823 sqft |
| 2020-03-01 | 62 days | 1,801 sqft |
| 2020-04-01 | 65 days | 1,804 sqft |
| 2020-05-01 | 78 days | 1,823 sqft |
| 2020-06-01 | 91 days | 1,843 sqft |
| 2020-07-01 | 81 days | 1,837 sqft |
| 2020-08-01 | 58 days | 1,826 sqft |
| 2020-09-01 | 59 days | 1,912 sqft |
| 2020-10-01 | 50 days | 1,893 sqft |
| 2020-11-01 | 54 days | 1,910 sqft |
| 2020-12-01 | 61 days | 1,901 sqft |
| 2021-01-01 | 72 days | 1,916 sqft |
| 2021-02-01 | 63 days | 1,875 sqft |
| 2021-03-01 | 42 days | 1,734 sqft |
| 2021-04-01 | 37 days | 1,657 sqft |
| 2021-05-01 | 52 days | 1,640 sqft |
| 2021-06-01 | 44 days | 1,700 sqft |
| 2021-07-01 | 38 days | 1,667 sqft |
| 2021-08-01 | 40 days | 1,617 sqft |
| 2021-09-01 | 41 days | 1,670 sqft |
| 2021-10-01 | 48 days | 1,653 sqft |
| 2021-11-01 | 42 days | 1,658 sqft |
| 2021-12-01 | 50 days | 1,541 sqft |
| 2022-01-01 | 53 days | 1,580 sqft |
| 2022-02-01 | 48 days | 1,607 sqft |
| 2022-03-01 | 54 days | 1,639 sqft |
| 2022-04-01 | 33 days | 1,652 sqft |
| 2022-05-01 | 38 days | 1,687 sqft |
| 2022-06-01 | 30 days | 1,755 sqft |
| 2022-07-01 | 32 days | 1,790 sqft |
| 2022-08-01 | 45 days | 1,875 sqft |
| 2022-09-01 | 52 days | 1,780 sqft |
| 2022-10-01 | 50 days | 1,812 sqft |
| 2022-11-01 | 64 days | 1,846 sqft |
| 2022-12-01 | 73 days | 1,827 sqft |
| 2023-01-01 | 74 days | 1,825 sqft |
| 2023-02-01 | 57 days | 1,725 sqft |
| 2023-03-01 | 48 days | 1,841 sqft |
| 2023-04-01 | 50 days | 1,879 sqft |
| 2023-05-01 | 48 days | 1,869 sqft |
| 2023-06-01 | 43 days | 1,894 sqft |
| 2023-07-01 | 43 days | 1,947 sqft |
| 2023-08-01 | 38 days | 1,894 sqft |
| 2023-09-01 | 44 days | 1,816 sqft |
| 2023-10-01 | 56 days | 1,806 sqft |
| 2023-11-01 | 65 days | 1,771 sqft |
| 2023-12-01 | 79 days | 1,747 sqft |
| 2024-01-01 | 81 days | 1,713 sqft |
| 2024-02-01 | 57 days | 1,759 sqft |
| 2024-03-01 | 31 days | 1,625 sqft |
| 2024-04-01 | 61 days | 1,657 sqft |
| 2024-05-01 | 77 days | 1,668 sqft |
| 2024-06-01 | 61 days | 1,667 sqft |
| 2024-07-01 | 80 days | 1,634 sqft |
| 2024-08-01 | 78 days | 1,601 sqft |
| 2024-09-01 | 75 days | 1,625 sqft |
| 2024-10-01 | 77 days | 1,652 sqft |
| 2024-11-01 | 71 days | 1,675 sqft |
| 2024-12-01 | 80 days | 1,720 sqft |
| 2025-01-01 | 90 days | 1,669 sqft |
| 2025-02-01 | 92 days | 1,619 sqft |
| 2025-03-01 | 61 days | 1,665 sqft |
| 2025-04-01 | 73 days | 1,672 sqft |
| 2025-05-01 | 78 days | 1,665 sqft |
| 2025-06-01 | 80 days | 1,695 sqft |
| 2025-07-01 | 69 days | 1,677 sqft |
| 2025-08-01 | 61 days | 1,714 sqft |
| 2025-09-01 | 67 days | 1,715 sqft |
| 2025-10-01 | 68 days | 1,627 sqft |
| 2025-11-01 | 65 days | 1,651 sqft |
| 2025-12-01 | 73 days | 1,682 sqft |
| 2026-01-01 | 78 days | 1,659 sqft |
| 2026-02-01 | 62 days | 1,703 sqft |
| 2026-03-01 | 59 days | 1,751 sqft |
| 2026-04-01 | 65 days | 1,797 sqft |
| 2026-05-01 | 66 days | 1,846 sqft |
| 2026-06-01 | 66 days | 1,742 sqft |
| 2026-07-01 | 64 days | 1,741 sqft |
| 2026-08-01 | 64 days | 1,733 sqft |
| 2026-09-01 | 0 days | 1,685 sqft |
| 2026-10-01 | 0 days | 1,686 sqft |
ALBANY's median listing age (time on market) for 2026-10-01 was 0 days.
This
is -100%
shorter
than the same period one year ago.
ALBANY's median square footage for active listings during the 2026-10-01 period was 1,686 sqft. One year prior, the average listing was 1,627 sqft.
ALBANY's median square footage for active listings during the 2026-10-01 period was 1,686 sqft. One year prior, the average listing was 1,627 sqft.
ALBANY, GA Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 1,122 | $236,790,000 | $211,043 |
| Refi | 568 | $121,380,000 | $213,697 |
| Cash Out Refi | 361 | $59,675,000 | $165,305 |
| Other | 179 | $14,275,000 | $79,749 |
| Home Improvement | 119 | $10,865,000 | $91,303 |
| NA | 1 | $75,000 | $75,000 |
Albany's most frequently cited loan purpose was Home Purchase, with 1,122 originations. The 2nd most popular reason was Refi, with 568 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 803 | $184,425,000 | $229,670 |
| 5-6% | 408 | $106,680,000 | $261,471 |
| 7-8% | 306 | $53,190,000 | $173,824 |
| Over 8% | 294 | $24,250,000 | $82,483 |
| <2.5% | 47 | $455,000 | $9,681 |
| 4-5% | 33 | $5,755,000 | $174,394 |
| 3-4% | 4 | $1,040,000 | $260,000 |
| 2.5-3% | 2 | $340,000 | $170,000 |
During 2025, Albany's most frequently originated rate bucket was 6-7%, with 803 originations.
Loan Sizing (ALBANY, GA MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $100,000 or less | 785 | $41,935,000 | $53,420 |
| $100k-200k | 718 | $105,920,000 | $147,521 |
| $200k-400k | 694 | $187,440,000 | $270,086 |
| $400k-600k | 116 | $53,980,000 | $465,345 |
| $600k-1000k | 27 | $19,765,000 | $732,037 |
| $Over $1MM | 10 | $34,020,000 | $3,402,000 |
ALBANY's loan sizing saw the bucket of loans from $100,000 or less with 785 originations, totaling $41,935,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 912 | $215,760,000 | $236,579 |
| 60-80% | 335 | $70,545,000 | $210,582 |
| 20-40% | 197 | $15,175,000 | $77,030 |
| Under 20% | 180 | $6,430,000 | $35,722 |
| 40-60% | 154 | $34,870,000 | $226,429 |
| Over 100% | 44 | $15,670,000 | $356,136 |
ALBANY's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 912 originations, totaling $215,760,000 in origination value.