Americus Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Americus averaged
6.98%
for the week of 2025-06-18, compared to the national average of
6.81% for the same period.
The average rate for the prior week (2025-06-12) was
6.91% and
one month ago for the week of 2025-05-15, the
average rate was 6.78%.
Americus's average rate one year ago was 7.32%.
For refis of the same type during the week of 2025-06-18, the average rate
was 6.81%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-06-18 | 6.81% |
| Americus 30 Year Fixed Rate | 2025-06-18 | 6.98% |
| Americus 30 Year Fixed Rate Refi | 2025-06-18 | 6.81% |
| Americus 15 Year Fixed Rate | 2025-06-18 | 5.86% |
| Americus 15 Year Fixed Rate Refi | 2025-06-18 | 6.36% |
| Americus 30 Year FHA | 2025-06-18 | 0% |
| Americus 30 Year FHA Refi | 2025-06-18 | 0.1% |
| Americus 30 Year USDA | 2025-06-18 | -0.1% |
| Americus 30 Year USDA Refi | 2025-06-18 | -0.2% |
| Americus 30 Year VA | 2025-06-18 | -0.1% |
| Americus 30 Year VA Refi | 2025-06-18 | -0.2% |
Americus 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 Americus, 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.).
Americus Average Closing Costs & Other Stats
Americus, GA's 31 lenders originated 350
loans during 2024. The total origination value was $67,670,000, with an average loan value of
$193,343.
Americus's average closing costs are $4,967.
The top Americus lender as defined by loan originations is QUICKEN LOANS, LLC, with
27 loans originated. Their average total fees are
$5,470, which is $1,038
higher than the next largest lender,
Capital City Home Loans, LLC.
The lowest fee Americus lenders (with over 10 loans originated) are
Capital City Home Loans, LLC ($4,432), QUICKEN LOANS, LLC ($5,470), .
The lowest rate Americus lenders (with over 10 loans originated) are
QUICKEN LOANS, LLC (6.71%), Capital City Home Loans, LLC (6.94%), .
Americus, 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 |
|---|---|---|---|---|
| Capital City Home Loans, LLC | $7,385,000 | $8,825,000 | 19.5% | 13.0% |
| QUICKEN LOANS, LLC | $7,875,000 | $8,455,000 | 7.4% | 12.5% |
| Regions Bank | $335,000 | $6,830,000 | 1,938.8% | 10.1% |
| RF Renovo Management Company, LLC | $3,040,000 | n/a | 4.5% | |
| UNITED WHOLESALE MORTGAGE, LLC | $745,000 | $2,755,000 | 269.8% | 4.1% |
| Synovus Bank | $1,835,000 | $1,690,000 | -7.9% | 2.5% |
| The Peoples Bank of Georgia | $2,785,000 | $1,555,000 | -44.2% | 2.3% |
| Renasant Bank | $1,265,000 | n/a | 1.9% | |
| 21ST MORTGAGE CORPORATION | $560,000 | $1,095,000 | 95.5% | 1.6% |
| Assurance Financial Group, L.L.C. | $1,030,000 | n/a | 1.5% | |
| NAVY FEDERAL CREDIT UNION | $1,850,000 | $985,000 | -46.8% | 1.5% |
| Ameris Bank | $1,850,000 | $930,000 | -49.7% | 1.4% |
| Georgia Community Bank | $240,000 | $920,000 | 283.3% | 1.4% |
| Mr. Cooper ( Nationstar Mortgage ) | $55,000 | $895,000 | 1,527.3% | 1.3% |
| FREEDOM MORTGAGE CORPORATION | $820,000 | n/a | 1.2% | |
| GEORGIA'S OWN | $55,000 | $820,000 | 1,390.9% | 1.2% |
| JPMorgan Chase Bank | $390,000 | $820,000 | 110.3% | 1.2% |
| Mortgage Research Center, LLC | $995,000 | $690,000 | -30.7% | 1.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $1,655,000 | $635,000 | -61.6% | 0.9% |
| Colony Bank | $620,000 | n/a | 0.9% | |
| PeoplesSouth Bank | $160,000 | $605,000 | 278.1% | 0.9% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $225,000 | $600,000 | 166.7% | 0.9% |
| First Federal Bank | $580,000 | n/a | 0.9% | |
| VILLAGE CAPITAL MORTGAGE | $205,000 | $500,000 | 143.9% | 0.7% |
| PENNYMAC LOAN SERVICES, LLC | $480,000 | n/a | 0.7% | |
| NEWREZ LLC | $265,000 | $470,000 | 77.4% | 0.7% |
| Bank of Dawson | $45,000 | $460,000 | 922.2% | 0.7% |
| CROSSCOUNTRY MORTGAGE, LLC | $760,000 | $460,000 | -39.5% | 0.7% |
| CANOPY MORTGAGE, LLC | $425,000 | n/a | 0.6% | |
| STOCKTON MORTGAGE CORPORATION | $390,000 | n/a | 0.6% | |
| CMG MORTGAGE, INC. | $455,000 | $365,000 | -19.8% | 0.5% |
| ROBINS FINANCIAL | $150,000 | $355,000 | 136.7% | 0.5% |
| The Federal Savings Bank | $335,000 | n/a | 0.5% | |
| INTERLINC MORTGAGE SERVICES, LLC | $315,000 | n/a | 0.5% | |
| Morgan Stanley Private Bank | $305,000 | n/a | 0.5% | |
| First State Bank of Blakely, Inc. | $195,000 | $295,000 | 51.3% | 0.4% |
| CREDIT UNION OF GEORGIA | $285,000 | n/a | 0.4% | |
| LOANDEPOT.COM, LLC | $435,000 | $285,000 | -34.5% | 0.4% |
| AmeriHome Mortgage Company, LLC | $275,000 | n/a | 0.4% | |
| CARDINAL FINANCIAL | $275,000 | n/a | 0.4% | |
| JMAC LENDING, INC. | $275,000 | n/a | 0.4% | |
| SOUTHWEST STAGE FUNDING, LLC | $265,000 | n/a | 0.4% | |
| 1ST SIGNATURE LENDING, LLC | $415,000 | $255,000 | -38.6% | 0.4% |
| Flint Community Bank | $350,000 | $255,000 | -27.1% | 0.4% |
| HOMEXPRESS MORTGAGE CORP. | $255,000 | n/a | 0.4% | |
| Peoples Bank | $255,000 | n/a | 0.4% | |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | $250,000 | n/a | 0.4% | |
| BETTER MORTGAGE CORPORATION | $215,000 | n/a | 0.3% | |
| NEXERA HOLDING LLC | $215,000 | n/a | 0.3% | |
| PNC Bank | $205,000 | n/a | 0.3% | |
| FINANCE OF AMERICA REVERSE LLC | $195,000 | n/a | 0.3% | |
| MORTGAGEONE, INC. | $195,000 | n/a | 0.3% | |
| SUN WEST MORTGAGE COMPANY, INC. | $195,000 | n/a | 0.3% | |
| THE MORTGAGE FIRM, INC. | $195,000 | n/a | 0.3% | |
| APCO EMPLOYEES | $185,000 | n/a | 0.3% | |
| BROKER SOLUTIONS, INC. | $525,000 | $185,000 | -64.8% | 0.3% |
| MILEND, INC. | $245,000 | $185,000 | -24.5% | 0.3% |
| Paramount Residential Mortgage Group, Inc. | $115,000 | $185,000 | 60.9% | 0.3% |
| Cornerstone First Mortgage, Inc | $175,000 | n/a | 0.3% | |
| Fifth Third Bank | $105,000 | $165,000 | 57.1% | 0.2% |
| ROYAL UNITED MORTGAGE LLC | $480,000 | $150,000 | -68.8% | 0.2% |
| RESIDENTIAL BANCORP | $145,000 | n/a | 0.2% | |
| Wells Fargo Bank | $170,000 | $145,000 | -14.7% | 0.2% |
| ZILLOW HOME LOANS, LLC | $145,000 | n/a | 0.2% | |
| AMERICAN FINANCIAL NETWORK, INC. | $125,000 | n/a | 0.2% | |
| COUNTRYPLACE MORTGAGE, LTD. | $135,000 | $115,000 | -14.8% | 0.2% |
| NORWICH COMMERCIAL GROUP, INC. | $105,000 | n/a | 0.2% | |
| PHH Mortgage Corporation | $105,000 | n/a | 0.2% | |
| Stifel Bank and Trust | $310,000 | $105,000 | -66.1% | 0.2% |
| MORTGAGE EQUITY PARTNERS LLC | $85,000 | n/a | 0.1% | |
| Third Federal Savings and Loan Association of Cleveland | $75,000 | $75,000 | 0.0% | 0.1% |
| AMERISAVE MORTGAGE CORPORATION | $490,000 | $65,000 | -86.7% | 0.1% |
| Discover Bank | $350,000 | $55,000 | -84.3% | 0.1% |
| MEMBER FIRST MORTGAGE, LLC | $55,000 | n/a | 0.1% | |
| The Loan Store, Inc. | $45,000 | n/a | 0.1% | |
| Figure Lending LLC | $45,000 | $25,000 | -44.4% | 0.0% |
| GEORGIA UNITED | $25,000 | n/a | 0.0% |
Americus's top lender by overall market share is Capital City Home Loans, LLC, with 13.0% market share. In second place, with 12.5%, is QUICKEN LOANS, LLC, having originated $8,455,000 in loans. In third place, with 10.1%, is Regions Bank, having originated $6,830,000 in loans. In fourth place, with 4.5%, is RF Renovo Management Company, LLC, having originated $3,040,000 in loans. In fifth place, with 4.1%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $2,755,000 in loans.
Americus, GA Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 178 | $31,660,000 | $177,865 |
| Refi | 72 | $21,200,000 | $294,444 |
| Cash Out Refi | 48 | $11,300,000 | $235,417 |
| Home Improvement | 30 | $1,480,000 | $49,333 |
| Other | 22 | $2,030,000 | $92,273 |
Americus's most frequently cited loan purpose was Home Purchase, with 178 originations. The 2nd most popular reason was Refi, with 72 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 98 | $18,940,000 | $193,265 |
| 7-8% | 58 | $11,800,000 | $203,448 |
| Over 8% | 57 | $5,465,000 | $95,877 |
| 5-6% | 40 | $18,570,000 | $464,250 |
| 4-5% | 1 | $285,000 | $285,000 |
During 2024, Americus's most frequently originated rate bucket was 6-7%, with 98 originations.
Loan Sizing (Americus, GA MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $100,000 or less | 138 | $7,560,000 | $54,783 |
| $100k-200k | 114 | $17,250,000 | $151,316 |
| $200k-400k | 79 | $21,655,000 | $274,114 |
| $400k-600k | 8 | $3,540,000 | $442,500 |
| $600k-1000k | 6 | $4,060,000 | $676,667 |
| $Over $1MM | 5 | $13,605,000 | $2,721,000 |
Americus's loan sizing saw the bucket of loans from $100,000 or less with 138 originations, totaling $7,560,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 116 | $24,740,000 | $213,276 |
| 60-80% | 56 | $20,300,000 | $362,500 |
| 40-60% | 34 | $5,580,000 | $164,118 |
| 20-40% | 25 | $2,075,000 | $83,000 |
| Under 20% | 14 | $600,000 | $42,857 |
| Over 100% | 3 | $625,000 | $208,333 |
Americus's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 116 originations, totaling $24,740,000 in origination value.