Douglas Mortgage Rates & Closing Costs

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

30 Year Fixed Rate mortgages in Douglas averaged 6.67% for the week of 2025-07-03, compared to the national average of 6.67% for the same period.

The average rate for the prior week (2025-06-26) was 6.67% and one month ago for the week of 2025-05-29, the average rate was 6.99%.

Douglas's average rate one year ago was 6.96%.

For refis of the same type during the week of 2025-07-03, the average rate was 7.17%.

Loan Type Date Rate
US 30 Year Fixed Rate 2025-07-03 6.67%
Douglas 30 Year Fixed Rate 2025-07-03 6.67%
Douglas 30 Year Fixed Rate Refi 2025-07-03 7.17%
Douglas 15 Year Fixed Rate 2025-07-03 5.8%
Douglas 15 Year Fixed Rate Refi 2025-07-03 6.2%
Douglas 30 Year FHA 2025-07-03 -0.05%
Douglas 30 Year FHA Refi 2025-07-03 0.1%
Douglas 30 Year USDA 2025-07-03 -0.1%
Douglas 30 Year USDA Refi 2025-07-03 -0.1%
Douglas 30 Year VA 2025-07-03 -0.2%
Douglas 30 Year VA Refi 2025-07-03 0%
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 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
Renasant Bank 11 6.72% $4,418
QUICKEN LOANS, LLC 6 6.98% $5,844
UNITED WHOLESALE MORTGAGE, LLC 6 6.98% $5,282
SOUTHPOINT FINANCIAL SERVICES, INC. 3 6.54% $4,225
Truist 2 7.00% $3,304
TOWNE MORTGAGE COMPANY 2 6.88% $8,682
JPMorgan Chase Bank 2 6.63% $2,436
Mr. Cooper ( Nationstar Mortgage ) 2 6.49% $7,475
INTERSTATE UNLIMITED Federal Credit Union 2 8.25% $6,702
Notre Dame Federal Credit Union Corporation 1 7.00% $6,472
PHH Mortgage Corporation 1 6.49% $5,433
Prosperity Home Mortgage, LLC 1 7.38% $3,638
Sierra Pacific Mortgage Company, Inc. 1 6.63% $4,228
South State Bank 1 7.75% $5,233
TJC Mortgage, Inc. 1 6.88% $7,029
UNION HOME MORTGAGE CORP. 1 7.50% $6,259
21ST MORTGAGE CORPORATION 1 8.06% $5,728
U.S. Bank 1 6.50% $42
AMERICAN FINANCING CORPORATION 1 5.88% $5,452
AMERICAN PACIFIC MORTGAGE CORPORATION 1 7.13% $10,495
Ameris Bank 1 6.75% $6,231
Blue Ridge Bank 1 7.63% $4,938
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 6.13% $5,750
Flagstar Bank, FSB 1 7.05% $1,963
LOANDEPOT.COM, LLC 1 7.13% $8,395
MEGASTAR FINANCIAL CORP. 1 7.25% $3,627

Douglas Average Closing Costs & Other Stats

Douglas, GA's 26 lenders originated 409 loans during 2024. The total origination value was $66,045,000, with an average loan value of $161,479.

Douglas's average closing costs are $5,245.

The top Douglas lender as defined by loan originations is Renasant Bank, with 11 loans originated. Their average total fees are $4,418, which is $1,426 lower than the next largest lender, QUICKEN LOANS, LLC.

The lowest fee Douglas lenders (with over 10 loans originated) are Renasant Bank ($4,418), .

The lowest rate Douglas lenders (with over 10 loans originated) are Renasant Bank (6.72%), .

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 2023 Loan Value 2024 Loan Value % Change 2024 Market Share
Renasant Bank $13,115,000 $16,675,000 27.1% 25.2%
FIRST NATIONAL BANK OF COFFEE COUNTY $10,410,000 $6,310,000 -39.4% 9.6%
21ST MORTGAGE CORPORATION $2,345,000 $4,490,000 91.5% 6.8%
UNITED WHOLESALE MORTGAGE, LLC $1,720,000 $4,475,000 160.2% 6.8%
QUICKEN LOANS, LLC $3,260,000 $2,825,000 -13.3% 4.3%
TOWNE MORTGAGE COMPANY $725,000 $1,905,000 162.8% 2.9%
Pineland Bank $1,865,000 n/a 2.8%
FREEDOM MORTGAGE CORPORATION $290,000 $1,665,000 474.1% 2.5%
Ameris Bank $2,265,000 $1,600,000 -29.4% 2.4%
UNION HOME MORTGAGE CORP. $515,000 $1,435,000 178.6% 2.2%
Mortgage Research Center, LLC $1,030,000 $1,195,000 16.0% 1.8%
Truist $1,070,000 $1,160,000 8.4% 1.8%
Blue Ridge Bank $1,095,000 n/a 1.7%
SOUTHPOINT FINANCIAL SERVICES, INC. $1,400,000 $1,015,000 -27.5% 1.5%
LOANDEPOT.COM, LLC $1,445,000 $845,000 -41.5% 1.3%
NEW DAY FINANCIAL, LLC $165,000 $770,000 366.7% 1.2%
AgFirst Farm Credit Bank $355,000 $750,000 111.3% 1.1%
Flagstar Bank, FSB $85,000 $690,000 711.8% 1.0%
The Federal Savings Bank $665,000 n/a 1.0%
GUILD MORTGAGE COMPANY $660,000 $585,000 -11.4% 0.9%
Mr. Cooper ( Nationstar Mortgage ) $45,000 $570,000 1,166.7% 0.9%
VILLAGE CAPITAL MORTGAGE $560,000 n/a 0.8%
MEGASTAR FINANCIAL CORP. $185,000 $535,000 189.2% 0.8%
U.S. Bank $505,000 n/a 0.8%
Prosperity Home Mortgage, LLC $475,000 $495,000 4.2% 0.7%
The Loan Store, Inc. $480,000 n/a 0.7%
INTERSTATE UNLIMITED Federal Credit Union $25,000 $370,000 1,380.0% 0.6%
MORTGAGE SOLUTIONS OF COLORADO, LLC $285,000 $365,000 28.1% 0.6%
Wells Fargo Bank $630,000 $355,000 -43.7% 0.5%
Carrington Mortgage Services, LLC $350,000 n/a 0.5%
Equity Prime Mortgage LLC $345,000 n/a 0.5%
PENNYMAC LOAN SERVICES, LLC $330,000 $335,000 1.5% 0.5%
MILEND, INC. $205,000 $330,000 61.0% 0.5%
BROKER SOLUTIONS, INC. $85,000 $325,000 282.4% 0.5%
Guardian Bank $490,000 $310,000 -36.7% 0.5%
SOUTHEAST MORTGAGE OF GEORGIA, INC. $690,000 $290,000 -58.0% 0.4%
AmeriHome Mortgage Company, LLC $275,000 n/a 0.4%
TJC Mortgage, Inc. $275,000 n/a 0.4%
GEORGIA'S OWN $255,000 n/a 0.4%
South State Bank $255,000 n/a 0.4%
AMERISAVE MORTGAGE CORPORATION $1,300,000 $250,000 -80.8% 0.4%
LIBERTY HOME MORTGAGE CORPORATION $235,000 n/a 0.4%
JPMorgan Chase Bank $230,000 n/a 0.3%
Farmers & Merchants Bank $75,000 $220,000 193.3% 0.3%
Mid-Continent Funding, Inc. $215,000 n/a 0.3%
Synovus Bank $215,000 n/a 0.3%
AMERICAN PACIFIC MORTGAGE CORPORATION $205,000 n/a 0.3%
PLAZA HOME MORTGAGE, INC. $200,000 n/a 0.3%
MEMBER FIRST MORTGAGE, LLC $190,000 n/a 0.3%
Notre Dame Federal Credit Union Corporation $255,000 $185,000 -27.5% 0.3%
Sierra Pacific Mortgage Company, Inc. $185,000 n/a 0.3%
United Community Bank $185,000 n/a 0.3%
CARDINAL FINANCIAL $185,000 $175,000 -5.4% 0.3%
CHURCHILL MORTGAGE CORPORATION $165,000 n/a 0.2%
Colony Bank $590,000 $165,000 -72.0% 0.2%
NAVY FEDERAL CREDIT UNION $930,000 $160,000 -82.8% 0.2%
TRIAD FINANCIAL SERVICES, INC. $250,000 $160,000 -36.0% 0.2%
NEWREZ LLC $135,000 $155,000 14.8% 0.2%
ZILLOW HOME LOANS, LLC $155,000 n/a 0.2%
Bank of America $25,000 $150,000 500.0% 0.2%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $145,000 n/a 0.2%
AMERICAN FINANCING CORPORATION $75,000 $135,000 80.0% 0.2%
FINANCE OF AMERICA REVERSE LLC $135,000 n/a 0.2%
GENEVA FINANCIAL, LLC $135,000 n/a 0.2%
Barrington Bank & Trust Company, N.A. $125,000 n/a 0.2%
STOCKTON MORTGAGE CORPORATION $155,000 $125,000 -19.4% 0.2%
PHH Mortgage Corporation $115,000 n/a 0.2%
Citizens Bank $105,000 n/a 0.2%
Figure Lending LLC $95,000 $105,000 10.5% 0.2%
SOUTHWEST STAGE FUNDING, LLC $95,000 n/a 0.1%
VANDERBILT MORTGAGE AND FINANCE, INC. $145,000 $95,000 -34.5% 0.1%
Citibank $75,000 n/a 0.1%
PENTAGON FEDERAL CREDIT UNION $65,000 n/a 0.1%
Third Federal Savings and Loan Association of Cleveland $45,000 n/a 0.1%

Douglas's top lender by overall market share is Renasant Bank, with 25.2% market share. In second place, with 9.6%, is FIRST NATIONAL BANK OF COFFEE COUNTY, having originated $6,310,000 in loans. In third place, with 6.8%, is 21ST MORTGAGE CORPORATION, having originated $4,490,000 in loans. In fourth place, with 6.8%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $4,475,000 in loans. In fifth place, with 4.3%, is QUICKEN LOANS, LLC, having originated $2,825,000 in loans.

Douglas, GA Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 251 $43,325,000 $172,610
Cash Out Refi 66 $11,080,000 $167,879
Refi 51 $8,955,000 $175,588
Home Improvement 21 $1,405,000 $66,905
Other 20 $1,280,000 $64,000

Douglas's most frequently cited loan purpose was Home Purchase, with 251 originations. The 2nd most popular reason was Cash Out Refi, with 66 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
6-7% 150 $31,920,000 $212,800
Over 8% 67 $6,715,000 $100,224
7-8% 51 $9,055,000 $177,549
5-6% 39 $8,945,000 $229,359
<2.5% 2 $130,000 $65,000
4-5% 2 $450,000 $225,000

During 2024, Douglas's most frequently originated rate bucket was 6-7%, with 150 originations.

Loan Sizing (Douglas, GA MSA)

Loan Size Originations Total Value Average Loan
$100k-200k 170 $25,150,000 $147,941
$100,000 or less 123 $7,225,000 $58,740
$200k-400k 104 $27,850,000 $267,788
$400k-600k 11 $5,155,000 $468,636
$600k-1000k 1 $665,000 $665,000

Douglas's loan sizing saw the bucket of loans from $100k-200k with 170 originations, totaling $25,150,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 194 $40,210,000 $207,268
60-80% 50 $8,940,000 $178,800
20-40% 23 $2,075,000 $90,217
40-60% 21 $3,155,000 $150,238
Under 20% 11 $385,000 $35,000
Over 100% 5 $865,000 $173,000

Douglas's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 194 originations, totaling $40,210,000 in origination value.