Douglas Mortgage Rates & Closing Costs
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% |
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.).
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.