Americus Mortgage Rates

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

30 Year Fixed Rate mortgages in Americus averaged 5.65% for the week of 2022-06-30, compared to the national average of 5.7% for the same period.

The average rate for the prior week (2022-06-23) was 6.16% and one month ago for the week of 2022-05-26, the average rate was 5.05%.

Americus's average rate one year ago was 3.3%.

For refis of the same type during the week of 2022-06-30, the average rate was 6.18%.

Loan Type Date Rate
US 30 Year Fixed Rate 2022-06-30 5.7%
Americus 30 Year Fixed Rate 2022-06-30 5.65%
Americus 30 Year Fixed Rate Refi 2022-06-30 6.18%
Americus 15 Year Fixed Rate 2022-06-30 5.64%
Americus 15 Year Fixed Rate Refi 2022-06-30 5.33%
Americus 30 Year FHA 2022-06-30 5.8%
Americus 30 Year FHA Refi 2022-06-30 5.84%
Americus 30 Year USDA 2022-06-30 5.41%
Americus 30 Year USDA Refi 2022-06-30 2.55%
Americus 30 Year VA 2022-06-30 5.59%
Americus 30 Year VA Refi 2022-06-30 5.23%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Americus, GA.

Americus 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 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.).

Name # of Loans 2021 Avg. 30yFix Rate 2021 Avg. Total Fees
Capital City Home Loans, LLC 54 3.14% $3,212
QUICKEN LOANS, LLC 52 3.02% $4,530
Wells Fargo Bank 6 3.81% $2,543
NAVY FEDERAL CREDIT UNION 5 3.23% $3,567
Synovus Bank 5 3.23% $3,848
Renasant Bank 4 3.37% $3,388
NEWREZ LLC 3 2.91% $4,478
Truist Bank 3 3.21% $3,504
UNITED WHOLESALE MORTGAGE, LLC 3 3.02% $3,940
SOUTHPOINT FINANCIAL SERVICES, INC. 3 2.96% $4,973
South State Bank 2 3.63% $6,116
HOMESIDE FINANCIAL, LLC 2 3.06% $3,768
AMERISAVE MORTGAGE CORPORATION 2 3.12% $6,561
GEORGIA'S OWN 2 3.06% $2,689
Ameris Bank 2 3.12% $4,503
GEORGIA UNITED 2 3.31% $3,031
Mr. Cooper ( Nationstar Mortgage ) 2 2.94% $7,408
MORTGAGE INVESTORS GROUP, INC. 1 3.13% $5,070
MOVEMENT MORTGAGE, LLC 1 3.38% $3,773
Northpointe Bank 1 2.88% $5,939
PENNYMAC LOAN SERVICES, LLC 1 3.49% $3,869
PNC Bank 1 3.25% $3,042
PRIMELENDING, A PLAINSCAPITAL COMPANY 1 3.99% $4,879
Prosperity Home Mortgage, LLC 1 4.25% $3,047
RELIANCE FIRST CAPITAL, LLC 1 2.99% $4,980
ROBINS FINANCIAL 1 3.88% $4,025
JPMorgan Chase Bank 1 4.49% $0
Amerifirst Financial, Inc. 1 3.25% $5,020
ANGEL OAK HOME LOANS LLC 1 3.00% $7,902
BROKER SOLUTIONS, INC. 1 3.38% $3,647
Cadence Bank, N.A. 1 3.50% $3,664
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 1 2.87% $3,320
Chicago Mortgage Solutions LLC 1 2.99% $2,040
CMG MORTGAGE, INC. 1 3.38% $4,086
CRESCENT MORTGAGE COMPANY 1 3.38% $2,291
CROSSCOUNTRY MORTGAGE, LLC 1 3.63% $3,214
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 3.49% $3,830
FirstBank 1 3.63% $3,322
FIRST COMMUNITY MORTGAGE, INC. 1 2.99% $5,789
First National Bank of Pennsylvania 1 3.50% $3,311
GMFS LLC 1 3.13% $3,760
AMERICAN INTERNET MORTGAGE, INC. 1 3.88% $3,600
LOANDEPOT.COM, LLC 1 3.25% $4,938

Americus, GA's 43 lenders originated 560 loans during 2021. The total origination value was $79,850,000, with an average loan value of $142,589.

The top Americus lender as defined by loan originations is Capital City Home Loans, LLC, with 54 loans originated. Their average total fees are $3,212, which is $1,318 lower than the next largest lender, QUICKEN LOANS, LLC.

The lowest fee Americus lenders (with over 10 loans originated) are Capital City Home Loans, LLC ($3,212), QUICKEN LOANS, LLC ($4,530), .

The lowest rate Americus lenders (with over 10 loans originated) are QUICKEN LOANS, LLC (3.02%), Capital City Home Loans, LLC (3.14%), .

Americus, 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 $13,815,000 $17,340,000 25.5% 21.7%
Capital City Home Loans, LLC $15,670,000 $14,045,000 -10.4% 17.6%
Ameris Bank $1,350,000 $5,875,000 335.2% 7.4%
The Peoples Bank of Georgia $2,145,000 $2,890,000 34.7% 3.6%
Synovus Bank $2,400,000 $2,500,000 4.2% 3.1%
FREEDOM MORTGAGE CORPORATION $3,340,000 $1,910,000 -42.8% 2.4%
NAVY FEDERAL CREDIT UNION $290,000 $1,880,000 548.3% 2.4%
Wells Fargo Bank $230,000 $1,640,000 613.0% 2.1%
NEWREZ LLC $1,025,000 $1,365,000 33.2% 1.7%
BROKER SOLUTIONS, INC. $145,000 $1,200,000 727.6% 1.5%
Mortgage Research Center, LLC $1,050,000 $1,180,000 12.4% 1.5%
UNITED WHOLESALE MORTGAGE, LLC $430,000 $1,180,000 174.4% 1.5%
Renasant Bank $655,000 $1,095,000 67.2% 1.4%
JPMorgan Chase Bank $440,000 $975,000 121.6% 1.2%
Truist Bank $855,000 $940,000 9.9% 1.2%
21ST MORTGAGE CORPORATION $1,215,000 $935,000 -23.0% 1.2%
PeoplesSouth Bank $985,000 $890,000 -9.6% 1.1%
PENNYMAC LOAN SERVICES, LLC $470,000 $815,000 73.4% 1.0%
SOUTHPOINT FINANCIAL SERVICES, INC. $640,000 $770,000 20.3% 1.0%
MOVEMENT MORTGAGE, LLC $255,000 $765,000 200.0% 1.0%
Mr. Cooper ( Nationstar Mortgage ) $515,000 $765,000 48.5% 1.0%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $705,000 n/a 0.9%
LOANDEPOT.COM, LLC $1,195,000 $655,000 -45.2% 0.8%
First State Bank of Blakely, Inc. $1,660,000 $630,000 -62.0% 0.8%
LAKEVIEW LOAN SERVICING, LLC $135,000 $615,000 355.6% 0.8%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $800,000 $595,000 -25.6% 0.7%
HOMESIDE FINANCIAL, LLC $570,000 n/a 0.7%
AMERISAVE MORTGAGE CORPORATION $525,000 n/a 0.7%
MORTGAGE INVESTORS GROUP, INC. $505,000 n/a 0.6%
VANDERBILT MORTGAGE AND FINANCE, INC. $195,000 $485,000 148.7% 0.6%
GUARANTY HOME MORTGAGE CORPORATION $460,000 n/a 0.6%
CALIBER HOME LOANS, INC. $230,000 $450,000 95.7% 0.6%
NEW DAY FINANCIAL, LLC $560,000 $420,000 -25.0% 0.5%
The Federal Savings Bank $420,000 n/a 0.5%
GEORGIA'S OWN $130,000 $400,000 207.7% 0.5%
Cadence Bank, N.A. $355,000 n/a 0.4%
ANGEL OAK HOME LOANS LLC $345,000 n/a 0.4%
South State Bank $225,000 $320,000 42.2% 0.4%
GEORGIA UNITED $315,000 n/a 0.4%
VILLAGE CAPITAL & INVESTMENT LLC $615,000 $310,000 -49.6% 0.4%
Flagstar Bank, FSB $455,000 $300,000 -34.1% 0.4%
FirstBank $295,000 n/a 0.4%
Carrington Mortgage Services, LLC $210,000 $290,000 38.1% 0.4%
Alcova Mortgage LLC $265,000 n/a 0.3%
CRESCENT MORTGAGE COMPANY $300,000 $265,000 -11.7% 0.3%
Northpointe Bank $265,000 n/a 0.3%
HOMESTAR FINANCIAL CORPORATION $340,000 $260,000 -23.5% 0.3%
Flint Community Bank $150,000 $230,000 53.3% 0.3%
Colony Bank $375,000 $225,000 -40.0% 0.3%
ENVOY MORTGAGE, LTD $225,000 n/a 0.3%
First National Bank of Pennsylvania $225,000 n/a 0.3%
Platinum Home Mortgage Corporation $175,000 $220,000 25.7% 0.3%
AmeriHome Mortgage Company, LLC $145,000 $215,000 48.3% 0.3%
AMERICAN FINANCIAL RESOURCES, INC. $75,000 $210,000 180.0% 0.3%
PLANTERS FIRST BANK $210,000 n/a 0.3%
PNC Bank $55,000 $210,000 281.8% 0.3%
Amerifirst Financial, Inc. $205,000 n/a 0.3%
Chicago Mortgage Solutions LLC $205,000 n/a 0.3%
CLEARPATH LENDING $390,000 $205,000 -47.4% 0.3%
Envision Credit Union $205,000 n/a 0.3%
PRIMARY RESIDENTIAL MORTGAGE, INC. $205,000 n/a 0.3%
ROBINS FINANCIAL $265,000 $205,000 -22.6% 0.3%
TOWNE MORTGAGE COMPANY $155,000 $205,000 32.3% 0.3%
AMERICAN INTERNET MORTGAGE, INC. $195,000 n/a 0.2%
CMG MORTGAGE, INC. $185,000 n/a 0.2%
SOUTHERN TRUST MORTGAGE, LLC $185,000 n/a 0.2%
SOVEREIGN LENDING GROUP INCORPORATED $175,000 $185,000 5.7% 0.2%
GUILD MORTGAGE COMPANY $175,000 n/a 0.2%
PHH Mortgage Corporation $155,000 $175,000 12.9% 0.2%
GMFS LLC $165,000 n/a 0.2%
ACOPIA, LLC $155,000 n/a 0.2%
LENDINGONE, LLC $105,000 $155,000 47.6% 0.2%
Citibank $150,000 n/a 0.2%
Fifth Third Bank $145,000 n/a 0.2%
FIRST COMMUNITY MORTGAGE, INC. $145,000 n/a 0.2%
LENDINGHOME FUNDING CORPORATION $295,000 $145,000 -50.8% 0.2%
GUARANTEED RATE, INC. $105,000 $135,000 28.6% 0.2%
Prosperity Home Mortgage, LLC $135,000 n/a 0.2%
Low VA Rates, LLC $125,000 n/a 0.2%
TRIAD FINANCIAL SERVICES, INC. $125,000 n/a 0.2%
Hometown Equity Mortgage, LLC $115,000 n/a 0.1%
CREDIT UNION FINANCIAL SERVICES, LLC $105,000 n/a 0.1%
MEMBER FIRST MORTGAGE, LLC $105,000 n/a 0.1%
PRIMELENDING, A PLAINSCAPITAL COMPANY $105,000 n/a 0.1%
Queensborough National Bank & Trust Company $105,000 n/a 0.1%
RELIANCE FIRST CAPITAL, LLC $105,000 n/a 0.1%
SOUTHWEST STAGE FUNDING, LLC $145,000 $105,000 -27.6% 0.1%
MUTUAL OF OMAHA MORTGAGE, INC. $75,000 $95,000 26.7% 0.1%
WRIGHT PATMAN CONGRESSIONAL FEDERAL CREDIT UNION $95,000 n/a 0.1%
Commercial Banking Company $85,000 n/a 0.1%
CROSSCOUNTRY MORTGAGE, LLC $145,000 $85,000 -41.4% 0.1%
GUARANTEED RATE AFFINITY, LLC $85,000 n/a 0.1%
Nations Lending Corporation $85,000 n/a 0.1%
ATLANTIC BAY MORTGAGE GROUP, L.L.C. $75,000 n/a 0.1%
First Guaranty Mortgage Corporation $575,000 $75,000 -87.0% 0.1%
1st Franklin Financial Corporation $85,000 $65,000 -23.5% 0.1%
Discover Bank $125,000 $65,000 -48.0% 0.1%
Tyndall Federal Credit Union $65,000 n/a 0.1%
CASTLE & COOKE MORTGAGE, LLC $55,000 n/a 0.1%
Regions Bank $145,000 $55,000 -62.1% 0.1%
Figure Lending LLC $25,000 $45,000 80.0% 0.1%
AMERICAN ADVISORS GROUP $15,000 $15,000 0.0% 0.0%

Americus's top lender by overall market share is QUICKEN LOANS, LLC, with 21.7% market share. In second place, with 17.6%, is Capital City Home Loans, LLC, having originated $14,045,000 in loans. In third place, with 7.4%, is Ameris Bank, having originated $5,875,000 in loans. In third place, with 3.6%, is The Peoples Bank of Georgia, having originated $2,890,000 in loans. In third place, with 3.1%, is Synovus Bank, having originated $2,500,000 in loans.


Americus, GA Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 243 $36,225,000 $149,074
Refi 215 $30,535,000 $142,023
Cash Out Refi 75 $11,025,000 $147,000
Home Improvement 18 $1,220,000 $67,778
Other 9 $845,000 $93,889

Americus's most frequently cited loan purpose was Home Purchase, with 243 originations. The 2nd most popular reason was Refi, with 215 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
2.5-3% 196 $28,570,000 $145,765
3-4% 155 $27,215,000 $175,581
<2.5% 98 $14,370,000 $146,633
4-5% 22 $2,730,000 $124,091
Over 8% 16 $1,350,000 $84,375
5-6% 13 $835,000 $64,231
6-7% 6 $510,000 $85,000
7-8% 3 $225,000 $75,000

During 2021, Americus's most frequently originated rate bucket was 2.5-3%, with 196 originations.

Loan Sizing (Americus, GA MSA)

Loan Size Originations Total Value Average Loan
$100k-200k 270 $38,070,000 $141,000
$100,000 or less 191 $12,735,000 $66,675
$200k-400k 94 $24,220,000 $257,660
$400k-600k 4 $1,820,000 $455,000
$Over $1MM 1 $3,005,000 $3,005,000

Americus's loan sizing saw the bucket of loans from $100k-200k with 270 originations, totaling $38,070,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 242 $36,190,000 $149,545
60-80% 162 $26,930,000 $166,235
40-60% 54 $6,640,000 $122,963
20-40% 22 $1,640,000 $74,545
Under 20% 6 $240,000 $40,000
Over 100% 3 $785,000 $261,667

Americus's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 242 originations, totaling $36,190,000 in origination value.


Market Conditions (Median, Average Prices & Listing Count)

Realtor.com - Americus (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 $119,950 (-7.3%) $175,015 (1.5%) 0.00 149
2018-02-01 $119,900 (-7.4%) $169,728 (-4.5%) 0.00 153
2018-03-01 $125,000 (0.4%) $172,046 (-1.5%) 0.00 145
2018-04-01 $124,950 (-0.8%) $176,245 (2.3%) 0.00 141
2018-05-01 $126,950 (-1.4%) $174,053 (0.8%) 0.00 129
2018-06-01 $122,500 (-5.7%) $171,372 (1.1%) 0.00 129
2018-07-01 $121,200 (-6.7%) $155,991 (-12.3%) 0.00 138
2018-08-01 $125,000 (-1.5%) $158,868 (-15.7%) 0.00 137
2018-09-01 $129,900 (0.7%) $158,091 (-16.1%) 0.00 136
2018-10-01 $139,900 (17.9%) $164,473 (-8.7%) 0.00 137
2018-11-01 $149,900 (31.6%) $167,443 (-2.0%) 0.00 126
2018-12-01 $157,900 (32.7%) $170,827 (-2.2%) 0.00 123
2019-01-01 $159,450 (32.9%) $168,348 (-3.8%) 0.00 112
2019-02-01 $154,500 (28.9%) $164,575 (-3.0%) 0.00 116
2019-03-01 $144,229 (15.4%) $163,052 (-5.2%) 0.00 117
2019-04-01 $152,450 (22.0%) $167,862 (-4.8%) 0.00 110
2019-05-01 $139,900 (10.2%) $161,130 (-7.4%) 0.00 110
2019-06-01 $139,900 (14.2%) $162,371 (-5.3%) 0.00 105
2019-07-01 $144,900 (19.6%) $170,415 (9.3%) 0.00 105
2019-08-01 $149,571 (19.7%) $173,741 (9.4%) 0.00 110
2019-09-01 $149,000 (14.7%) $175,337 (10.9%) 0.00 120
2019-10-01 $143,250 (2.4%) $168,652 (2.5%) 0.00 126
2019-11-01 $140,000 (-6.6%) $169,636 (1.3%) 0.00 127
2019-12-01 $157,000 (-0.6%) $170,270 (-0.3%) 0.00 121
2020-01-01 $154,500 (-3.1%) $173,816 (3.3%) 0.00 118
2020-02-01 $159,000 (2.9%) $174,809 (6.2%) 0.00 115
2020-03-01 $158,602 (10.0%) $176,905 (8.5%) 0.00 106
2020-04-01 $165,850 (8.8%) $184,304 (9.8%) 0.00 96
2020-05-01 $169,000 (20.8%) $182,940 (13.5%) 0.00 83
2020-06-01 $164,500 (17.6%) $177,351 (9.2%) 0.00 68
2020-07-01 $164,900 (13.8%) $178,962 (5.0%) 0.00 59
2020-08-01 $119,900 (-19.8%) $175,242 (0.9%) 0.00 53
2020-09-01 $147,450 (-1.0%) $169,634 (-3.3%) 0.00 52
2020-10-01 $165,000 (15.2%) $160,750 (-4.7%) 0.00 47
2020-11-01 $159,900 (14.2%) $176,320 (3.9%) 0.00 48
2020-12-01 $159,450 (1.6%) $183,007 (7.5%) 0.00 47
2021-01-01 $159,000 (2.9%) $174,097 (0.2%) 0.00 51
2021-02-01 $159,500 (0.3%) $187,004 (7.0%) 0.00 44
2021-03-01 $133,554 (-15.8%) $182,794 (3.3%) 0.00 41
2021-04-01 $127,304 (-23.2%) $180,582 (-2.0%) 0.00 37
2021-05-01 $169,000 (0.0%) $204,252 (11.7%) 0.00 36
2021-06-01 $175,000 (6.4%) $234,303 (32.1%) 0.00 40
2021-07-01 $162,000 (-1.8%) $220,435 (23.2%) 0.00 47
2021-08-01 $159,900 (33.4%) $229,492 (31.0%) 0.00 61
2021-09-01 $163,700 (11.0%) $227,802 (34.3%) 0.00 60
2021-10-01 $175,000 (6.1%) $254,006 (58.0%) 0.00 59
2021-11-01 $166,500 (4.1%) $286,608 (62.6%) 0.00 62
2021-12-01 $164,500 (3.2%) $257,082 (40.5%) 0.00 49
2022-01-01 $155,000 (-2.5%) $252,910 (45.3%) 0.00 47
2022-02-01 $139,450 (-12.6%) $237,628 (27.1%) 0.00 50
2022-03-01 $169,450 (26.9%) $251,798 (37.8%) 0.00 50
2022-04-01 $142,500 (11.9%) $242,225 (34.1%) 0.00 44
2022-05-01 $139,900 (-17.2%) $218,149 (6.8%) 0.00 36
2022-06-01 $157,450 (-10.0%) $219,057 (-6.5%) 0.00 38
Americus's median listing price for 2022-06-01 was $157,450, a difference of $-17,550 (-10.0%) versus the prior year and $17,550 versus the prior month.

Americus's median listing price comes in at 0% of the national average.

Americus's average listing price for 2022-06-01 was $219,057, a difference of $-15,246 (-6.5%) versus the prior year and $908 versus the prior month.

For the 2022-06-01 period, Americus had 38 MLS listings, a difference of 2 listings (6%) versus the prior month and -2 listings (-5%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - Americus (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 0 days 1,796 sqft
2018-02-01 0 days 1,789 sqft
2018-03-01 0 days 1,816 sqft
2018-04-01 0 days 1,828 sqft
2018-05-01 0 days 1,785 sqft
2018-06-01 0 days 1,757 sqft
2018-07-01 0 days 1,779 sqft
2018-08-01 0 days 1,842 sqft
2018-09-01 0 days 1,840 sqft
2018-10-01 0 days 1,878 sqft
2018-11-01 0 days 1,920 sqft
2018-12-01 0 days 1,920 sqft
2019-01-01 0 days 1,890 sqft
2019-02-01 0 days 1,922 sqft
2019-03-01 0 days 1,867 sqft
2019-04-01 0 days 1,856 sqft
2019-05-01 0 days 1,831 sqft
2019-06-01 0 days 1,852 sqft
2019-07-01 0 days 1,800 sqft
2019-08-01 0 days 1,830 sqft
2019-09-01 0 days 1,846 sqft
2019-10-01 0 days 1,828 sqft
2019-11-01 0 days 1,840 sqft
2019-12-01 0 days 1,870 sqft
2020-01-01 0 days 1,918 sqft
2020-02-01 0 days 1,920 sqft
2020-03-01 0 days 2,176 sqft
2020-04-01 0 days 2,176 sqft
2020-05-01 0 days 2,020 sqft
2020-06-01 0 days 1,901 sqft
2020-07-01 0 days 1,955 sqft
2020-08-01 0 days 2,215 sqft
2020-09-01 0 days 1,893 sqft
2020-10-01 0 days 1,762 sqft
2020-11-01 0 days 1,993 sqft
2020-12-01 0 days 2,025 sqft
2021-01-01 0 days 1,836 sqft
2021-02-01 0 days 1,923 sqft
2021-03-01 0 days 1,802 sqft
2021-04-01 0 days 1,690 sqft
2021-05-01 0 days 1,704 sqft
2021-06-01 0 days 1,936 sqft
2021-07-01 0 days 1,811 sqft
2021-08-01 0 days 2,009 sqft
2021-09-01 0 days 1,947 sqft
2021-10-01 0 days 1,908 sqft
2021-11-01 0 days 2,170 sqft
2021-12-01 0 days 2,096 sqft
2022-01-01 0 days 1,921 sqft
2022-02-01 0 days 1,818 sqft
2022-03-01 0 days 1,805 sqft
2022-04-01 0 days 1,917 sqft
2022-05-01 0 days 2,076 sqft
2022-06-01 0 days 2,030 sqft
Americus's median listing age (time on market) for 2022-06-01 was 0 days.

Americus's median square footage for active listings during the 2022-06-01 period was 2,030 sqft. One year prior, the average listing was 1,936 sqft.