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
7.05%
for the week of 2025-05-22, compared to the national average of
6.86% for the same period.
The average rate for the prior week (2025-05-15) was
6.9% and
one month ago for the week of 2025-04-17, the
average rate was 6.82%.
Albany's average rate one year ago was 7.11%.
For refis of the same type during the week of 2025-05-22, the average rate
was 7.26%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-05-22 | 6.86% |
| Albany 30 Year Fixed Rate | 2025-05-22 | 7.05% |
| Albany 30 Year Fixed Rate Refi | 2025-05-22 | 7.26% |
| Albany 15 Year Fixed Rate | 2025-05-22 | 6.11% |
| Albany 15 Year Fixed Rate Refi | 2025-05-22 | 6.51% |
| Albany 30 Year FHA | 2025-05-22 | 6.49% |
| Albany 30 Year FHA Refi | 2025-05-22 | 6.81% |
| Albany 30 Year USDA | 2025-05-22 | 6.33% |
| Albany 30 Year USDA Refi | 2025-05-22 | 6.43% |
| Albany 30 Year VA | 2025-05-22 | 6.73% |
| Albany 30 Year VA Refi | 2025-05-22 | 6.25% |
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 74 lenders originated 2,152
loans during 2024. The total origination value was $424,320,000, with an average loan value of
$197,175.
ALBANY's average closing costs are $5,300.
The top ALBANY lender as defined by loan originations is Flagstar Bank, FSB, with
60 loans originated. Their average total fees are
$5,526, which is $1,162
lower than the next largest lender,
QUICKEN LOANS, LLC.
The lowest fee ALBANY lenders (with over 10 loans originated) are
Capital City Home Loans, LLC ($3,611), Colony Bank ($4,374), Renasant Bank ($4,937), Ameris Bank ($5,129) and Flagstar Bank, FSB ($5,526).
The lowest rate ALBANY lenders (with over 10 loans originated) are
Ameris Bank (6.63%), Capital City Home Loans, LLC (6.71%), Colony Bank (6.72%), Synovus Bank (6.77%) and Renasant Bank (6.77%).
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 | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| Flagstar Bank, FSB | $31,400,000 | $40,740,000 | 29.7% | 9.6% |
| QUICKEN LOANS, LLC | $22,005,000 | $27,710,000 | 25.9% | 6.5% |
| GREYSTONE SERVICING COMPANY LLC | $26,560,000 | n/a | 6.3% | |
| Georgia Community Bank | $20,015,000 | $24,835,000 | 24.1% | 5.9% |
| Mortgage Research Center, LLC | $18,855,000 | $21,135,000 | 12.1% | 5.0% |
| Synovus Bank | $10,270,000 | $17,495,000 | 70.4% | 4.1% |
| UNITED WHOLESALE MORTGAGE, LLC | $10,520,000 | $16,775,000 | 59.5% | 4.0% |
| Flint Community Bank | $14,830,000 | $15,395,000 | 3.8% | 3.6% |
| Colony Bank | $17,190,000 | $14,645,000 | -14.8% | 3.5% |
| NAVY FEDERAL CREDIT UNION | $9,755,000 | $11,850,000 | 21.5% | 2.8% |
| Renasant Bank | $15,075,000 | $11,810,000 | -21.7% | 2.8% |
| Ameris Bank | $10,525,000 | $10,970,000 | 4.2% | 2.6% |
| Arbor Realty Trust, Inc. | $10,535,000 | n/a | 2.5% | |
| FREEDOM MORTGAGE CORPORATION | $2,480,000 | $7,325,000 | 195.4% | 1.7% |
| PeoplesSouth Bank | $6,610,000 | $6,320,000 | -4.4% | 1.5% |
| Bank of Early | $475,000 | $5,455,000 | 1,048.4% | 1.3% |
| Capital City Home Loans, LLC | $4,460,000 | $5,145,000 | 15.4% | 1.2% |
| Truist | $6,080,000 | $4,935,000 | -18.8% | 1.2% |
| Centennial Bank | $4,920,000 | n/a | 1.2% | |
| PENNYMAC LOAN SERVICES, LLC | $8,475,000 | $4,885,000 | -42.4% | 1.2% |
| First State Bank of Blakely, Inc. | $3,205,000 | $4,275,000 | 33.4% | 1.0% |
| BROKER SOLUTIONS, INC. | $6,475,000 | $4,150,000 | -35.9% | 1.0% |
| Bank of Dawson | $4,415,000 | $4,045,000 | -8.4% | 1.0% |
| READYCAP COMMERCIAL, LLC | $3,795,000 | n/a | 0.9% | |
| CANOPY MORTGAGE, LLC | $530,000 | $3,705,000 | 599.1% | 0.9% |
| USAA Federal Savings Bank | $2,990,000 | $3,300,000 | 10.4% | 0.8% |
| SOUTHPOINT FINANCIAL SERVICES, INC. | $2,920,000 | $3,295,000 | 12.8% | 0.8% |
| GEORGIA'S OWN | $1,745,000 | $3,125,000 | 79.1% | 0.7% |
| LOANDEPOT.COM, LLC | $1,900,000 | $3,045,000 | 60.3% | 0.7% |
| NEWREZ LLC | $1,555,000 | $2,860,000 | 83.9% | 0.7% |
| Wells Fargo Bank | $2,795,000 | $2,785,000 | -0.4% | 0.7% |
| NEW DAY FINANCIAL, LLC | $1,790,000 | $2,740,000 | 53.1% | 0.6% |
| 21ST MORTGAGE CORPORATION | $1,880,000 | $2,730,000 | 45.2% | 0.6% |
| Mr. Cooper ( Nationstar Mortgage ) | $2,040,000 | $2,680,000 | 31.4% | 0.6% |
| Barrington Bank & Trust Company, N.A. | $885,000 | $2,555,000 | 188.7% | 0.6% |
| Carrington Mortgage Services, LLC | $1,260,000 | $2,225,000 | 76.6% | 0.5% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | $790,000 | $2,205,000 | 179.1% | 0.5% |
| U.S. Bank | $1,325,000 | $2,030,000 | 53.2% | 0.5% |
| VILLAGE CAPITAL MORTGAGE | $1,240,000 | $2,025,000 | 63.3% | 0.5% |
| The Federal Savings Bank | $1,560,000 | $1,880,000 | 20.5% | 0.4% |
| AMERISAVE MORTGAGE CORPORATION | $1,940,000 | $1,840,000 | -5.2% | 0.4% |
| LENDINGONE, LLC | $1,640,000 | n/a | 0.4% | |
| TOWNE MORTGAGE COMPANY | $1,075,000 | $1,575,000 | 46.5% | 0.4% |
| CALCON MUTUAL MORTGAGE LLC | $1,235,000 | $1,530,000 | 23.9% | 0.4% |
| Equity Prime Mortgage LLC | $1,095,000 | $1,250,000 | 14.2% | 0.3% |
| AgFirst Farm Credit Bank | $710,000 | $1,205,000 | 69.7% | 0.3% |
| AMERICAN FINANCIAL NETWORK, INC. | $675,000 | $1,190,000 | 76.3% | 0.3% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $1,110,000 | $1,165,000 | 5.0% | 0.3% |
| Guardian Bank | $125,000 | $1,125,000 | 800.0% | 0.3% |
| Regions Bank | $1,390,000 | $1,125,000 | -19.1% | 0.3% |
| BANKSOUTH MORTGAGE COMPANY, LLC | $155,000 | $1,055,000 | 580.6% | 0.2% |
| LAKEVIEW LOAN SERVICING, LLC | $350,000 | $1,010,000 | 188.6% | 0.2% |
| MORTGAGE INVESTORS GROUP, INC. | $610,000 | $980,000 | 60.7% | 0.2% |
| Bank of America | $25,000 | $970,000 | 3,780.0% | 0.2% |
| Five Star Credit Union | $175,000 | $970,000 | 454.3% | 0.2% |
| ZILLOW HOME LOANS, LLC | $685,000 | $970,000 | 41.6% | 0.2% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $235,000 | $960,000 | 308.5% | 0.2% |
| LENDINGHOME FUNDING CORPORATION | $870,000 | $955,000 | 9.8% | 0.2% |
| SOUTHEAST MORTGAGE OF GEORGIA, INC. | $675,000 | $915,000 | 35.6% | 0.2% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | $285,000 | $895,000 | 214.0% | 0.2% |
| South State Bank | $895,000 | n/a | 0.2% | |
| MOVEMENT MORTGAGE, LLC | $600,000 | $865,000 | 44.2% | 0.2% |
| CMG MORTGAGE, INC. | $95,000 | $860,000 | 805.3% | 0.2% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $1,535,000 | $860,000 | -44.0% | 0.2% |
| Southern States Bank | $855,000 | n/a | 0.2% | |
| CROSSCOUNTRY MORTGAGE, LLC | $2,025,000 | $850,000 | -58.0% | 0.2% |
| Paramount Residential Mortgage Group, Inc. | $85,000 | $825,000 | 870.6% | 0.2% |
| LIMA ONE CAPITAL, LLC | $3,915,000 | $820,000 | -79.1% | 0.2% |
| PLANET HOME LENDING, LLC | $185,000 | $780,000 | 321.6% | 0.2% |
| JPMorgan Chase Bank | $1,795,000 | $775,000 | -56.8% | 0.2% |
| NATIONS DIRECT MORTGAGE, LLC | $765,000 | n/a | 0.2% | |
| ROYAL UNITED MORTGAGE LLC | $375,000 | $765,000 | 104.0% | 0.2% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $225,000 | $750,000 | 233.3% | 0.2% |
| Commercial Banking Company | $85,000 | $620,000 | 629.4% | 0.1% |
| ACOPIA, LLC | $155,000 | $615,000 | 296.8% | 0.1% |
| FIRST COLONY MORTGAGE CORPORATION | $600,000 | n/a | 0.1% | |
| SUN WEST MORTGAGE COMPANY, INC. | $155,000 | $600,000 | 287.1% | 0.1% |
| CARDINAL FINANCIAL | $1,415,000 | $590,000 | -58.3% | 0.1% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $375,000 | $585,000 | 56.0% | 0.1% |
| MILEND, INC. | $350,000 | $560,000 | 60.0% | 0.1% |
| Lakeview Community Capital, LLC | $25,000 | $555,000 | 2,120.0% | 0.1% |
| Discover Bank | $710,000 | $545,000 | -23.2% | 0.1% |
| First-Citizens Bank & Trust Company | $545,000 | n/a | 0.1% | |
| Credence Funding Corporation | $530,000 | n/a | 0.1% | |
| GENEVA FINANCIAL, LLC | $240,000 | $520,000 | 116.7% | 0.1% |
| BancorpSouth | $530,000 | $495,000 | -6.6% | 0.1% |
| CLEARPATH LENDING | $135,000 | $495,000 | 266.7% | 0.1% |
| EMM LOANS LLC | $175,000 | $495,000 | 182.9% | 0.1% |
| GUARANTEED RATE AFFINITY, LLC | $375,000 | $490,000 | 30.7% | 0.1% |
| EVERETT FINANCIAL, INC. | $125,000 | $465,000 | 272.0% | 0.1% |
| Figure Lending LLC | $620,000 | $465,000 | -25.0% | 0.1% |
| RELIANCE FIRST CAPITAL, LLC | $445,000 | $455,000 | 2.2% | 0.1% |
| UNITED NORTHERN MORTGAGE BANKERS LIMITED | $455,000 | n/a | 0.1% | |
| United Community Bank | $450,000 | n/a | 0.1% | |
| Fifth Third Bank | $600,000 | $445,000 | -25.8% | 0.1% |
| LOANPAL, LLC | $445,000 | n/a | 0.1% | |
| AMERICAN FINANCIAL RESOURCES, INC. | $185,000 | $440,000 | 137.8% | 0.1% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $685,000 | $430,000 | -37.2% | 0.1% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $430,000 | n/a | 0.1% | |
| GUILD MORTGAGE COMPANY | $325,000 | $420,000 | 29.2% | 0.1% |
| Southwest Georgia Farm Credit, ACA | $420,000 | n/a | 0.1% | |
| First Federal Bank | $370,000 | $390,000 | 5.4% | 0.1% |
| Northpointe Bank | $365,000 | $390,000 | 6.8% | 0.1% |
| Sierra Pacific Mortgage Company, Inc. | $375,000 | n/a | 0.1% | |
| Assurance Financial Group, L.L.C. | $235,000 | $370,000 | 57.4% | 0.1% |
| SIRVA MORTGAGE, INC. | $305,000 | $365,000 | 19.7% | 0.1% |
| SOUTHWEST STAGE FUNDING, LLC | $205,000 | $365,000 | 78.0% | 0.1% |
| 1ST SIGNATURE LENDING, LLC | $215,000 | $355,000 | 65.1% | 0.1% |
| BETTER MORTGAGE CORPORATION | $355,000 | n/a | 0.1% | |
| MID AMERICA MORTGAGE, INC. | $180,000 | $350,000 | 94.4% | 0.1% |
| PENTAGON FEDERAL CREDIT UNION | $295,000 | $350,000 | 18.6% | 0.1% |
| NATIONS RELIABLE LENDING, LLC | $345,000 | n/a | 0.1% | |
| FBC MORTGAGE, LLC | $335,000 | n/a | 0.1% | |
| HOMESIDE FINANCIAL, LLC | $265,000 | $330,000 | 24.5% | 0.1% |
| TRIAD FINANCIAL SERVICES, INC. | $265,000 | $330,000 | 24.5% | 0.1% |
| Hometown Equity Mortgage, LLC | $3,250,000 | $325,000 | -90.0% | 0.1% |
| Prosperity Home Mortgage, LLC | $65,000 | $325,000 | 400.0% | 0.1% |
| Core Bank | $315,000 | n/a | 0.1% | |
| Meridian Bank Corporation | $315,000 | n/a | 0.1% | |
| SRP Federal Credit Union | $315,000 | n/a | 0.1% | |
| University Bank | $315,000 | n/a | 0.1% | |
| DOMINION FINANCIAL SERVICES, LLC | $405,000 | $310,000 | -23.5% | 0.1% |
| Mortgage Assurance Inc. | $305,000 | n/a | 0.1% | |
| PREMIA MORTGAGE, LLC | $305,000 | n/a | 0.1% | |
| Superior Credit Union, Inc. | $305,000 | n/a | 0.1% | |
| NBKC BANK | $135,000 | $295,000 | 118.5% | 0.1% |
| Presidential Bank, FSB | $280,000 | n/a | 0.1% | |
| The First, A National Banking Association | $805,000 | $255,000 | -68.3% | 0.1% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $360,000 | $245,000 | -31.9% | 0.1% |
| The Loan Store, Inc. | $245,000 | n/a | 0.1% | |
| TOP FLITE FINANCIAL, INC. | $725,000 | $240,000 | -66.9% | 0.1% |
| Morris Bank | $235,000 | n/a | 0.1% | |
| Northwest Federal Credit Union | $125,000 | $235,000 | 88.0% | 0.1% |
| Texana Bank | $235,000 | n/a | 0.1% | |
| Liberty Bank and Trust Company | $225,000 | n/a | 0.1% | |
| SECURITYNATIONAL MORTGAGE COMPANY | $225,000 | n/a | 0.1% | |
| Citadel Servicing Corporation | $135,000 | $215,000 | 59.3% | 0.1% |
| HOMEXPRESS MORTGAGE CORP. | $215,000 | n/a | 0.1% | |
| Residential Acceptance Corporation | $215,000 | n/a | 0.1% | |
| DIGITAL Federal Credit Union | $205,000 | $205,000 | 0.0% | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | $195,000 | n/a | 0.0% | |
| Cornerstone First Mortgage, Inc | $195,000 | n/a | 0.0% | |
| NFM, INC. | $195,000 | n/a | 0.0% | |
| OCMBC, INC. | $115,000 | $195,000 | 69.6% | 0.0% |
| PNC Bank | $780,000 | $195,000 | -75.0% | 0.0% |
| ALAMEDA MORTGAGE CORPORATION | $185,000 | n/a | 0.0% | |
| AMWEST FUNDING CORP. | $185,000 | n/a | 0.0% | |
| Metro City Bank | $185,000 | n/a | 0.0% | |
| ENDEAVOR CAPITAL, LLC. | $175,000 | n/a | 0.0% | |
| General Mortgage Capital Corporation | $175,000 | n/a | 0.0% | |
| Mid-Continent Funding, Inc. | $175,000 | n/a | 0.0% | |
| Southern First Bank | $175,000 | n/a | 0.0% | |
| RF Renovo Management Company, LLC | $170,000 | n/a | 0.0% | |
| East Coast Capital Corp. | $165,000 | n/a | 0.0% | |
| ROBINS FINANCIAL | $165,000 | n/a | 0.0% | |
| Towne Bank | $165,000 | n/a | 0.0% | |
| DEEPHAVEN MORTGAGE LLC | $155,000 | n/a | 0.0% | |
| LIBERTY HOME MORTGAGE CORPORATION | $310,000 | $155,000 | -50.0% | 0.0% |
| Quontic Bank | $155,000 | n/a | 0.0% | |
| TJC Mortgage, Inc. | $115,000 | $155,000 | 34.8% | 0.0% |
| CORNERSTONE HOME LENDING, INC. | $145,000 | n/a | 0.0% | |
| MEMBER FIRST MORTGAGE, LLC | $775,000 | $145,000 | -81.3% | 0.0% |
| STATE EMPLOYEES' | $135,000 | n/a | 0.0% | |
| AMERICAN FINANCING CORPORATION | $125,000 | n/a | 0.0% | |
| OCEANSIDE MORTGAGE COMPANY | $125,000 | n/a | 0.0% | |
| THE MORTGAGE FIRM, INC. | $105,000 | $125,000 | 19.0% | 0.0% |
| DAS Acquisition Company, LLC | $115,000 | n/a | 0.0% | |
| JMAC LENDING, INC. | $115,000 | n/a | 0.0% | |
| AMERICAN HERITAGE LENDING, INC. | $350,000 | $105,000 | -70.0% | 0.0% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $860,000 | $105,000 | -87.8% | 0.0% |
| Tyndall Federal Credit Union | $105,000 | n/a | 0.0% | |
| UNION HOME MORTGAGE CORP. | $615,000 | $105,000 | -82.9% | 0.0% |
| UNITED MORTGAGE CORP | $105,000 | n/a | 0.0% | |
| ATLANTA POSTAL | $135,000 | $95,000 | -29.6% | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | $145,000 | $95,000 | -34.5% | 0.0% |
| GENISYS | $95,000 | n/a | 0.0% | |
| GUARANTEED RATE, INC. | $1,730,000 | $95,000 | -94.5% | 0.0% |
| SWBC MORTGAGE CORPORATION | $525,000 | $95,000 | -81.9% | 0.0% |
| Trustmark National Bank | $85,000 | n/a | 0.0% | |
| VELOCITY COMMERCIAL CAPITAL, LLC | $85,000 | n/a | 0.0% | |
| CREDIT UNION OF GEORGIA | $75,000 | n/a | 0.0% | |
| Alcova Mortgage LLC | $65,000 | n/a | 0.0% | |
| CDC Federal Credit Union | $65,000 | n/a | 0.0% | |
| CSL Financial, LLC | $65,000 | n/a | 0.0% | |
| FINANCE OF AMERICA REVERSE LLC | $65,000 | n/a | 0.0% | |
| SOUTHEASTERN Credit Union | $65,000 | n/a | 0.0% | |
| ALLIANT CREDIT UNION | $55,000 | n/a | 0.0% | |
| FIRST COMMERCE CREDIT UNION | $150,000 | $55,000 | -63.3% | 0.0% |
| HomeTrust Bank | $55,000 | n/a | 0.0% | |
| RUOFF MORTGAGE COMPANY, INC. | $55,000 | n/a | 0.0% | |
| SPRING EQ, LLC | $195,000 | $55,000 | -71.8% | 0.0% |
| Citizens Bank | $155,000 | $45,000 | -71.0% | 0.0% |
| GEORGIA UNITED | $45,000 | n/a | 0.0% | |
| TC FEDERAL BANK | $45,000 | n/a | 0.0% | |
| Farmers & Merchants Bank | $55,000 | $35,000 | -36.4% | 0.0% |
| Grow Financial Federal Credit Union | $65,000 | $35,000 | -46.2% | 0.0% |
ALBANY's top lender by overall market share is Flagstar Bank, FSB, with 9.6% market share. In second place, with 6.5%, is QUICKEN LOANS, LLC, having originated $27,710,000 in loans. In third place, with 6.3%, is GREYSTONE SERVICING COMPANY LLC, having originated $26,560,000 in loans. In fourth place, with 5.9%, is Georgia Community Bank, having originated $24,835,000 in loans. In fifth place, with 5.0%, is Mortgage Research Center, LLC, having originated $21,135,000 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 | $199,950 (-6.1%) | $239,043 (-17.2%) | 0.47 | 394 |
| 2024-10-01 | $193,475 (-3.3%) | $240,925 (-15.2%) | 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 |
ALBANY's median listing price for 2025-04-01 was $192,975, a difference of
$9,225
(5.0%) versus the prior year and
$4,025 versus the prior month.
ALBANY's median listing price comes in at 45% of the national average.
ALBANY's average listing price for 2025-04-01 was $251,325, a difference of $3,862 (1.6%) versus the prior year and $2,143 versus the prior month.
For the 2025-04-01 period, ALBANY had 399 MLS listings, a difference of 2 listings (1%) versus the prior month and 72 listings (22%) versus the prior year.
ALBANY's median listing price comes in at 45% of the national average.
ALBANY's average listing price for 2025-04-01 was $251,325, a difference of $3,862 (1.6%) versus the prior year and $2,143 versus the prior month.
For the 2025-04-01 period, ALBANY had 399 MLS listings, a difference of 2 listings (1%) versus the prior month and 72 listings (22%) 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 | 1,857 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 | 1,721 sqft |
| 2019-06-01 | 61 days | 1,707 sqft |
| 2019-07-01 | 59 days | 1,705 sqft |
| 2019-08-01 | 68 days | 1,711 sqft |
| 2019-09-01 | 79 days | 1,734 sqft |
| 2019-10-01 | 90 days | 1,752 sqft |
| 2019-11-01 | 95 days | 1,784 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 | 1,800 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 | 1,614 sqft |
| 2021-09-01 | 41 days | 1,670 sqft |
| 2021-10-01 | 48 days | 1,645 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 | 1,846 sqft |
| 2023-04-01 | 50 days | 1,883 sqft |
| 2023-05-01 | 48 days | 1,871 sqft |
| 2023-06-01 | 43 days | 1,897 sqft |
| 2023-07-01 | 43 days | 1,949 sqft |
| 2023-08-01 | 38 days | 1,897 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 | 74 days | 1,629 sqft |
| 2024-10-01 | 78 days | 1,654 sqft |
| 2024-11-01 | 71 days | 1,678 sqft |
| 2024-12-01 | 80 days | 1,720 sqft |
| 2025-01-01 | 90 days | 1,668 sqft |
| 2025-02-01 | 92 days | 1,617 sqft |
| 2025-03-01 | 61 days | 1,660 sqft |
| 2025-04-01 | 73 days | 1,671 sqft |
ALBANY's median listing age (time on market) for 2025-04-01 was 73 days.
This
is 20%
longer
than the same period one year ago.
ALBANY's median square footage for active listings during the 2025-04-01 period was 1,671 sqft. One year prior, the average listing was 1,657 sqft.
ALBANY's median square footage for active listings during the 2025-04-01 period was 1,671 sqft. One year prior, the average listing was 1,657 sqft.
ALBANY, GA Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 1,173 | $240,095,000 | $204,685 |
| Refi | 450 | $110,520,000 | $245,600 |
| Cash Out Refi | 280 | $52,570,000 | $187,750 |
| Other | 148 | $13,520,000 | $91,351 |
| Home Improvement | 101 | $7,615,000 | $75,396 |
Albany's most frequently cited loan purpose was Home Purchase, with 1,173 originations. The 2nd most popular reason was Refi, with 450 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 734 | $159,040,000 | $216,676 |
| Over 8% | 335 | $36,855,000 | $110,015 |
| 7-8% | 324 | $62,360,000 | $192,469 |
| 5-6% | 280 | $99,150,000 | $354,107 |
| <2.5% | 35 | $365,000 | $10,429 |
| 4-5% | 21 | $4,905,000 | $233,571 |
| 3-4% | 1 | $325,000 | $325,000 |
During 2024, Albany's most frequently originated rate bucket was 6-7%, with 734 originations.
Loan Sizing (ALBANY, GA MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $100,000 or less | 729 | $38,925,000 | $53,395 |
| $100k-200k | 684 | $104,060,000 | $152,135 |
| $200k-400k | 622 | $169,420,000 | $272,379 |
| $400k-600k | 86 | $41,030,000 | $477,093 |
| $600k-1000k | 19 | $13,555,000 | $713,421 |
| $Over $1MM | 12 | $57,330,000 | $4,777,500 |
ALBANY's loan sizing saw the bucket of loans from $100,000 or less with 729 originations, totaling $38,925,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 861 | $195,615,000 | $227,195 |
| 60-80% | 334 | $101,270,000 | $303,204 |
| 20-40% | 163 | $11,725,000 | $71,933 |
| Under 20% | 142 | $4,680,000 | $32,958 |
| 40-60% | 126 | $24,430,000 | $193,889 |
| Over 100% | 46 | $12,470,000 | $271,087 |
ALBANY's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 861 originations, totaling $195,615,000 in origination value.