Douglas Mortgage Rates & Closing Costs

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

    30 Year Fixed Rate mortgages in Douglas averaged 6.68% for the week of 2024-11-14, compared to the national average of 6.78% for the same period.

    The average rate for the prior week (2024-11-07) was 6.59% and one month ago for the week of 2024-10-10, the average rate was 6.42%.

    Douglas's average rate one year ago was 7.7%.

    For refis of the same type during the week of 2024-11-14, the average rate was 6.98%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2024-11-14 6.78%
    Douglas 30 Year Fixed Rate 2024-11-14 6.68%
    Douglas 30 Year Fixed Rate Refi 2024-11-14 6.98%
    Douglas 15 Year Fixed Rate 2024-11-14 5.89%
    Douglas 15 Year Fixed Rate Refi 2024-11-14 6.69%
    Douglas 30 Year FHA 2024-11-14 -0.26%
    Douglas 30 Year FHA Refi 2024-11-14 0.1%
    Douglas 30 Year USDA 2024-11-14 0%
    Douglas 30 Year USDA Refi 2024-11-14 0.2%
    Douglas 30 Year VA 2024-11-14 0.2%
    Douglas 30 Year VA Refi 2024-11-14 0.1%
    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Douglas, GA.

    Douglas 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 Douglas, 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 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    Renasant Bank 8 7.00% $4,676
    Ameris Bank 5 6.88% $8,109
    QUICKEN LOANS, LLC 4 6.28% $5,582
    Wells Fargo Bank 4 7.41% $4,334
    UNITED WHOLESALE MORTGAGE, LLC 3 5.99% $11,985
    AMERISAVE MORTGAGE CORPORATION 2 6.25% $5,886
    Flagstar Bank, FSB 1 6.63% $4,831
    21ST MORTGAGE CORPORATION 1 7.55% $5,799
    NAVY FEDERAL CREDIT UNION 1 5.50% $2,223
    Prosperity Home Mortgage, LLC 1 7.00% $4,038
    ROYAL UNITED MORTGAGE LLC 1 7.13% $5,463
    SOUTHPOINT FINANCIAL SERVICES, INC. 1 6.13% $1,181
    Suncoast Credit Union 1 5.25% $2,637
    LAKEVIEW LOAN SERVICING, LLC 1 7.50% $6,237
    ADDITION FINANCIAL 1 6.00% $3,579
    AgFirst Farm Credit Bank 1 6.38% $9,406
    AMERICAN FINANCING CORPORATION 1 6.75% $4,504
    Colony Bank 1 6.50% $4,197
    Fifth Third Bank 1 6.88% $4,549

    Douglas Average Closing Costs & Other Stats

    Douglas, GA's 19 lenders originated 358 loans during 2023. The total origination value was $62,140,000, with an average loan value of $173,575.

    Douglas's average closing costs are $4,957.

    The top Douglas lender as defined by loan originations is Renasant Bank, with 8 loans originated. Their average total fees are $4,676, which is $3,433 lower than the next largest lender, Ameris Bank.

    The lowest fee Douglas lenders (with over 10 loans originated) are .

    The lowest rate Douglas lenders (with over 10 loans originated) are .

    Douglas, 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 2022 Loan Value 2023 Loan Value % Change 2023 Market Share
    Renasant Bank $16,415,000 $13,115,000 -20.1% 21.1%
    FIRST NATIONAL BANK OF COFFEE COUNTY $10,410,000 n/a 16.8%
    Morris Bank $5,475,000 n/a 8.8%
    QUICKEN LOANS, LLC $7,740,000 $3,260,000 -57.9% 5.2%
    21ST MORTGAGE CORPORATION $2,585,000 $2,345,000 -9.3% 3.8%
    Ameris Bank $2,635,000 $2,265,000 -14.0% 3.6%
    UNITED WHOLESALE MORTGAGE, LLC $5,605,000 $1,720,000 -69.3% 2.8%
    LOANDEPOT.COM, LLC $115,000 $1,445,000 1,156.5% 2.3%
    SOUTHPOINT FINANCIAL SERVICES, INC. $855,000 $1,400,000 63.7% 2.3%
    AMERISAVE MORTGAGE CORPORATION $1,060,000 $1,300,000 22.6% 2.1%
    Truist $1,085,000 $1,070,000 -1.4% 1.7%
    Mortgage Research Center, LLC $2,590,000 $1,030,000 -60.2% 1.7%
    NAVY FEDERAL CREDIT UNION $155,000 $930,000 500.0% 1.5%
    TOWNE MORTGAGE COMPANY $1,140,000 $725,000 -36.4% 1.2%
    SOUTHEAST MORTGAGE OF GEORGIA, INC. $690,000 n/a 1.1%
    GUILD MORTGAGE COMPANY $75,000 $660,000 780.0% 1.1%
    Wells Fargo Bank $770,000 $630,000 -18.2% 1.0%
    GUARANTEED RATE, INC. $555,000 $620,000 11.7% 1.0%
    Colony Bank $1,595,000 $590,000 -63.0% 0.9%
    UNION HOME MORTGAGE CORP. $385,000 $515,000 33.8% 0.8%
    Guardian Bank $1,090,000 $490,000 -55.0% 0.8%
    Prosperity Home Mortgage, LLC $475,000 n/a 0.8%
    MUTUAL OF OMAHA MORTGAGE, INC. $400,000 n/a 0.6%
    AgFirst Farm Credit Bank $1,825,000 $355,000 -80.5% 0.6%
    PENNYMAC LOAN SERVICES, LLC $610,000 $330,000 -45.9% 0.5%
    FREEDOM MORTGAGE CORPORATION $380,000 $290,000 -23.7% 0.5%
    MORTGAGE SOLUTIONS OF COLORADO, LLC $145,000 $285,000 96.6% 0.5%
    FirstBank $205,000 $265,000 29.3% 0.4%
    Notre Dame Federal Credit Union Corporation $255,000 n/a 0.4%
    TRIAD FINANCIAL SERVICES, INC. $1,295,000 $250,000 -80.7% 0.4%
    Fifth Third Bank $245,000 n/a 0.4%
    Presidential Bank, FSB $245,000 n/a 0.4%
    Southern States Bank $2,975,000 $240,000 -91.9% 0.4%
    HOMEBRIDGE FINANCIAL SERVICES, INC. $225,000 n/a 0.4%
    Unity Bank $225,000 n/a 0.4%
    MILEND, INC. $205,000 n/a 0.3%
    CANOPY MORTGAGE, LLC $195,000 n/a 0.3%
    CARDINAL FINANCIAL $635,000 $185,000 -70.9% 0.3%
    MEGASTAR FINANCIAL CORP. $1,245,000 $185,000 -85.1% 0.3%
    EMM LOANS LLC $175,000 n/a 0.3%
    HOMESTAR FINANCIAL CORPORATION $1,000,000 $170,000 -83.0% 0.3%
    MORTGAGE INVESTORS GROUP, INC. $940,000 $165,000 -82.4% 0.3%
    NEW DAY FINANCIAL, LLC $910,000 $165,000 -81.9% 0.3%
    Plains Commerce Bank $155,000 n/a 0.2%
    STOCKTON MORTGAGE CORPORATION $155,000 n/a 0.2%
    Suncoast Credit Union $155,000 n/a 0.2%
    CIS Financial Services, Inc. $145,000 n/a 0.2%
    VANDERBILT MORTGAGE AND FINANCE, INC. $575,000 $145,000 -74.8% 0.2%
    LAKEVIEW LOAN SERVICING, LLC $135,000 n/a 0.2%
    NEWREZ LLC $230,000 $135,000 -41.3% 0.2%
    ADDITION FINANCIAL $125,000 n/a 0.2%
    AXIA FINANCIAL, LLC $125,000 n/a 0.2%
    CROSSCOUNTRY MORTGAGE, LLC $125,000 n/a 0.2%
    AMWEST FUNDING CORP. $105,000 n/a 0.2%
    Nations Lending Corporation $105,000 n/a 0.2%
    Figure Lending LLC $95,000 n/a 0.2%
    ROYAL UNITED MORTGAGE LLC $85,000 $95,000 11.8% 0.2%
    BROKER SOLUTIONS, INC. $285,000 $85,000 -70.2% 0.1%
    First-Citizens Bank & Trust Company $85,000 n/a 0.1%
    Flagstar Bank, FSB $390,000 $85,000 -78.2% 0.1%
    AMERICAN FINANCING CORPORATION $185,000 $75,000 -59.5% 0.1%
    Farmers & Merchants Bank $75,000 n/a 0.1%
    PrimeSouth Bank $70,000 n/a 0.1%
    PLANET HOME LENDING, LLC $65,000 n/a 0.1%
    SPRING EQ, LLC $55,000 n/a 0.1%
    Mr. Cooper ( Nationstar Mortgage ) $565,000 $45,000 -92.0% 0.1%
    Bank of America $25,000 n/a 0.0%
    INTERSTATE UNLIMITED Federal Credit Union $25,000 n/a 0.0%

    Douglas's top lender by overall market share is Renasant Bank, with 21.1% market share. In second place, with 16.8%, is FIRST NATIONAL BANK OF COFFEE COUNTY, having originated $10,410,000 in loans. In third place, with 8.8%, is Morris Bank, having originated $5,475,000 in loans. In fourth place, with 5.2%, is QUICKEN LOANS, LLC, having originated $3,260,000 in loans. In fifth place, with 3.8%, is 21ST MORTGAGE CORPORATION, having originated $2,345,000 in loans.

    Douglas Housing Market Trends (Median, Average Prices & Listing Count)

    Realtor.com - Douglas (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 $121,000 (11.2%) $152,822 (15.2%) 0.00 144
    2018-02-01 $111,750 (2.8%) $148,903 (16.8%) 0.00 140
    2018-03-01 $119,450 (9.5%) $150,851 (14.7%) 0.00 139
    2018-04-01 $139,706 (27.1%) $159,812 (17.9%) 0.00 141
    2018-05-01 $141,875 (31.4%) $157,735 (18.0%) 0.00 130
    2018-06-01 $139,000 (21.2%) $156,352 (14.7%) 0.00 124
    2018-07-01 $135,950 (20.4%) $157,830 (11.4%) 0.00 127
    2018-08-01 $137,000 (24.7%) $158,486 (8.2%) 0.00 120
    2018-09-01 $129,900 (7.0%) $152,105 (0.9%) 0.00 125
    2018-10-01 $128,200 (7.4%) $151,271 (-1.0%) 0.00 131
    2018-11-01 $126,950 (4.5%) $153,600 (-4.0%) 0.00 135
    2018-12-01 $132,500 (7.8%) $175,063 (10.7%) 0.00 138
    2019-01-01 $140,750 (16.3%) $185,648 (21.5%) 0.00 128
    2019-02-01 $157,425 (40.9%) $201,686 (35.5%) 0.00 122
    2019-03-01 $158,764 (32.9%) $202,148 (34.0%) 0.00 118
    2019-04-01 $157,250 (12.6%) $201,497 (26.1%) 0.00 116
    2019-05-01 $164,800 (16.2%) $214,457 (36.0%) 0.00 113
    2019-06-01 $155,000 (11.5%) $204,322 (30.7%) 0.00 112
    2019-07-01 $148,700 (9.4%) $190,787 (20.9%) 0.00 113
    2019-08-01 $145,966 (6.5%) $189,676 (19.7%) 0.00 109
    2019-09-01 $143,665 (10.6%) $187,295 (23.1%) 0.00 107
    2019-10-01 $142,000 (10.8%) $183,784 (21.5%) 0.00 110
    2019-11-01 $139,450 (9.9%) $184,096 (19.9%) 0.00 110
    2019-12-01 $141,613 (6.9%) $165,977 (-5.2%) 0.00 106
    2020-01-01 $140,412 (-0.2%) $160,586 (-13.5%) 0.00 107
    2020-02-01 $144,900 (-8.0%) $167,153 (-17.1%) 0.00 119
    2020-03-01 $147,450 (-7.1%) $178,326 (-11.8%) 0.00 104
    2020-04-01 $149,925 (-4.7%) $176,552 (-12.4%) 0.00 101
    2020-05-01 $149,900 (-9.0%) $172,263 (-19.7%) 0.00 95
    2020-06-01 $167,000 (7.7%) $189,741 (-7.1%) 0.00 93
    2020-07-01 $166,750 (12.1%) $192,194 (0.7%) 0.00 86
    2020-08-01 $164,950 (13.0%) $194,957 (2.8%) 0.00 84
    2020-09-01 $159,925 (11.3%) $192,054 (2.5%) 0.00 82
    2020-10-01 $159,000 (12.0%) $184,997 (0.7%) 0.00 75
    2020-11-01 $154,675 (10.9%) $194,060 (5.4%) 0.00 76
    2020-12-01 $156,800 (10.7%) $200,699 (20.9%) 0.00 66
    2021-01-01 $150,000 (6.8%) $203,278 (26.6%) 0.00 64
    2021-02-01 $156,900 (8.3%) $219,685 (31.4%) 0.00 54
    2021-03-01 $154,400 (4.7%) $199,369 (11.8%) 0.00 59
    2021-04-01 $162,450 (8.4%) $194,220 (10.0%) 0.00 51
    2021-05-01 $174,700 (16.5%) $196,118 (13.9%) 0.00 44
    2021-06-01 $202,850 (21.5%) $226,862 (19.6%) 0.00 33
    2021-07-01 $199,900 (19.9%) $228,347 (18.8%) 0.00 35
    2021-08-01 $197,225 (19.6%) $240,514 (23.4%) 0.00 49
    2021-09-01 $225,750 (41.2%) $238,671 (24.3%) 0.00 62
    2021-10-01 $225,000 (41.5%) $231,775 (25.3%) 0.00 63
    2021-11-01 $225,000 (45.5%) $240,783 (24.1%) 0.00 61
    2021-12-01 $229,450 (46.3%) $251,508 (25.3%) 0.00 64
    2022-01-01 $229,950 (53.3%) $256,211 (26.0%) 0.00 56
    2022-02-01 $219,675 (40.0%) $256,399 (16.7%) 0.00 50
    2022-03-01 $249,850 (61.8%) $272,560 (36.7%) 0.00 45
    2022-04-01 $259,450 (59.7%) $294,534 (51.7%) 0.00 42
    2022-05-01 $253,200 (44.9%) $299,333 (52.6%) 0.00 51
    2022-06-01 $264,975 (30.6%) $324,284 (42.9%) 0.00 56
    2022-07-01 $260,000 (30.1%) $312,334 (36.8%) 0.00 61
    2022-08-01 $252,900 (28.2%) $284,280 (18.2%) 0.00 64
    2022-09-01 $265,000 (17.4%) $281,536 (18.0%) 0.00 70
    2022-10-01 $259,900 (15.5%) $285,825 (23.3%) 0.00 74
    2022-11-01 $259,000 (15.1%) $264,725 (9.9%) 0.00 70
    2022-12-01 $257,250 (12.1%) $269,445 (7.1%) 0.00 67
    2023-01-01 $241,400 (5.0%) $265,420 (3.6%) 0.00 81
    2023-02-01 $229,950 (4.7%) $256,832 (0.2%) 0.00 101
    2023-03-01 $226,250 (-9.5%) $251,652 (-7.7%) 0.00 114
    2023-04-01 $230,000 (-11.4%) $285,600 (-3.0%) 0.00 59
    2023-05-01 $276,225 (9.1%) $314,536 (5.1%) 0.00 55
    2023-06-01 $289,700 (9.3%) $324,711 (0.1%) 0.00 52
    2023-07-01 $285,000 (9.6%) $319,898 (2.4%) 0.00 63
    2023-08-01 $282,450 (11.7%) $298,521 (5.0%) 0.00 67
    2023-09-01 $279,900 (5.6%) $299,896 (6.5%) 0.00 66
    2023-10-01 $281,725 (8.4%) $297,897 (4.2%) 0.00 64
    2023-11-01 $269,675 (4.1%) $276,980 (4.6%) 0.00 76
    2023-12-01 $272,450 (5.9%) $286,214 (6.2%) 0.00 80
    2024-01-01 $269,400 (11.6%) $282,920 (6.6%) 0.00 78
    2024-02-01 $269,650 (17.3%) $293,706 (14.4%) 0.00 70
    2024-03-01 $259,000 (14.5%) $290,346 (15.4%) 0.00 67
    2024-04-01 $275,000 (19.6%) $308,694 (8.1%) 0.00 77
    2024-05-01 $295,925 (7.1%) $342,778 (9.0%) 0.00 73
    2024-06-01 $278,000 (-4.0%) $337,828 (4.0%) 0.00 82
    2024-07-01 $278,000 (-2.5%) $336,452 (5.2%) 0.00 87
    2024-08-01 $262,995 (-6.9%) $317,316 (6.3%) 0.00 89
    2024-09-01 $248,725 (-11.1%) $307,223 (2.4%) 0.00 86
    2024-10-01 $248,675 (-11.7%) $300,593 (0.9%) 0.00 76
    Douglas's median listing price for 2024-10-01 was $248,675, a difference of $-33,050 (-11.7%) versus the prior year and $-50 versus the prior month.

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

    Douglas's average listing price for 2024-10-01 was $300,593, a difference of $2,696 (0.9%) versus the prior year and $-6,630 versus the prior month.

    For the 2024-10-01 period, Douglas had 76 MLS listings, a difference of -10 listings (-12%) versus the prior month and 12 listings (19%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Douglas (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,865 sqft
    2018-02-01 0 days 1,868 sqft
    2018-03-01 0 days 1,812 sqft
    2018-04-01 0 days 1,909 sqft
    2018-05-01 0 days 1,894 sqft
    2018-06-01 0 days 1,891 sqft
    2018-07-01 0 days 1,894 sqft
    2018-08-01 0 days 1,951 sqft
    2018-09-01 0 days 1,920 sqft
    2018-10-01 0 days 1,914 sqft
    2018-11-01 0 days 1,838 sqft
    2018-12-01 0 days 1,836 sqft
    2019-01-01 0 days 1,839 sqft
    2019-02-01 0 days 1,924 sqft
    2019-03-01 0 days 1,939 sqft
    2019-04-01 0 days 1,976 sqft
    2019-05-01 0 days 1,986 sqft
    2019-06-01 0 days 1,976 sqft
    2019-07-01 0 days 1,969 sqft
    2019-08-01 0 days 1,976 sqft
    2019-09-01 0 days 1,977 sqft
    2019-10-01 0 days 1,950 sqft
    2019-11-01 0 days 1,900 sqft
    2019-12-01 0 days 1,887 sqft
    2020-01-01 0 days 1,869 sqft
    2020-02-01 0 days 1,988 sqft
    2020-03-01 0 days 2,031 sqft
    2020-04-01 0 days 1,937 sqft
    2020-05-01 0 days 1,892 sqft
    2020-06-01 0 days 2,051 sqft
    2020-07-01 0 days 2,021 sqft
    2020-08-01 0 days 2,056 sqft
    2020-09-01 0 days 2,044 sqft
    2020-10-01 0 days 1,945 sqft
    2020-11-01 0 days 1,918 sqft
    2020-12-01 0 days 2,062 sqft
    2021-01-01 0 days 2,017 sqft
    2021-02-01 0 days 2,006 sqft
    2021-03-01 0 days 1,875 sqft
    2021-04-01 0 days 1,867 sqft
    2021-05-01 0 days 1,827 sqft
    2021-06-01 0 days 2,284 sqft
    2021-07-01 0 days 1,888 sqft
    2021-08-01 0 days 1,952 sqft
    2021-09-01 0 days 1,987 sqft
    2021-10-01 0 days 2,031 sqft
    2021-11-01 0 days 2,152 sqft
    2021-12-01 0 days 2,108 sqft
    2022-01-01 0 days 2,120 sqft
    2022-02-01 0 days 2,117 sqft
    2022-03-01 0 days 2,110 sqft
    2022-04-01 0 days 2,225 sqft
    2022-05-01 0 days 2,136 sqft
    2022-06-01 0 days 2,181 sqft
    2022-07-01 0 days 2,113 sqft
    2022-08-01 0 days 2,005 sqft
    2022-09-01 0 days 2,052 sqft
    2022-10-01 0 days 2,071 sqft
    2022-11-01 0 days 2,023 sqft
    2022-12-01 0 days 2,071 sqft
    2023-01-01 0 days 1,901 sqft
    2023-02-01 0 days 1,869 sqft
    2023-03-01 0 days 1,861 sqft
    2023-04-01 0 days 1,903 sqft
    2023-05-01 0 days 2,003 sqft
    2023-06-01 0 days 2,088 sqft
    2023-07-01 0 days 2,076 sqft
    2023-08-01 0 days 2,100 sqft
    2023-09-01 0 days 2,100 sqft
    2023-10-01 0 days 2,079 sqft
    2023-11-01 0 days 2,024 sqft
    2023-12-01 0 days 2,026 sqft
    2024-01-01 0 days 1,968 sqft
    2024-02-01 0 days 1,947 sqft
    2024-03-01 0 days 1,914 sqft
    2024-04-01 0 days 1,998 sqft
    2024-05-01 0 days 1,865 sqft
    2024-06-01 0 days 1,827 sqft
    2024-07-01 0 days 1,950 sqft
    2024-08-01 0 days 1,920 sqft
    2024-09-01 0 days 1,870 sqft
    2024-10-01 0 days 1,800 sqft
    Douglas's median listing age (time on market) for 2024-10-01 was 0 days.

    Douglas's median square footage for active listings during the 2024-10-01 period was 1,800 sqft. One year prior, the average listing was 2,079 sqft.

    Douglas, GA Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 242 $43,370,000 $179,215
    Cash Out Refi 44 $6,450,000 $146,591
    Refi 28 $8,510,000 $303,929
    Home Improvement 26 $2,460,000 $94,615
    Other 18 $1,350,000 $75,000

    Douglas's most frequently cited loan purpose was Home Purchase, with 242 originations. The 2nd most popular reason was Cash Out Refi, with 44 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    6-7% 110 $22,200,000 $201,818
    Over 8% 54 $5,020,000 $92,963
    7-8% 44 $7,190,000 $163,409
    5-6% 39 $8,255,000 $211,667
    <2.5% 3 $185,000 $61,667
    4-5% 2 $340,000 $170,000

    During 2023, Douglas's most frequently originated rate bucket was 6-7%, with 110 originations.

    Loan Sizing (Douglas, GA MSA)

    Loan Size Originations Total Value Average Loan
    $100k-200k 141 $20,815,000 $147,624
    $100,000 or less 127 $7,495,000 $59,016
    $200k-400k 79 $21,355,000 $270,316
    $400k-600k 8 $3,860,000 $482,500
    $Over $1MM 3 $8,615,000 $2,871,667

    Douglas's loan sizing saw the bucket of loans from $100k-200k with 141 originations, totaling $20,815,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 169 $32,635,000 $193,107
    60-80% 49 $8,405,000 $171,531
    Under 20% 14 $610,000 $43,571
    20-40% 9 $495,000 $55,000
    40-60% 9 $795,000 $88,333
    Over 100% 1 $145,000 $145,000

    Douglas's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 169 originations, totaling $32,635,000 in origination value.