Fitzgerald 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 Fitzgerald averaged 6.82% for the week of 2025-07-10, compared to the national average of 6.72% for the same period.

    The average rate for the prior week (2025-07-03) was 6.47% and one month ago for the week of 2025-06-05, the average rate was 6.75%.

    Fitzgerald's average rate one year ago was 7.05%.

    For refis of the same type during the week of 2025-07-10, the average rate was 7.02%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2025-07-10 6.72%
    Fitzgerald 30 Year Fixed Rate 2025-07-10 6.82%
    Fitzgerald 30 Year Fixed Rate Refi 2025-07-10 7.02%
    Fitzgerald 15 Year Fixed Rate 2025-07-10 5.76%
    Fitzgerald 15 Year Fixed Rate Refi 2025-07-10 5.96%
    Fitzgerald 30 Year FHA 2025-07-10 6.52%
    Fitzgerald 30 Year FHA Refi 2025-07-10 6.82%
    Fitzgerald 30 Year USDA 2025-07-10 6.45%
    Fitzgerald 30 Year USDA Refi 2025-07-10 6.65%
    Fitzgerald 30 Year VA 2025-07-10 6.47%
    Fitzgerald 30 Year VA Refi 2025-07-10 6.17%
    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Fitzgerald, GA.

    Fitzgerald 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 Fitzgerald, 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
    QUICKEN LOANS, LLC 6 6.58% $6,588
    NAVY FEDERAL CREDIT UNION 3 7.04% $6,621
    JPMorgan Chase Bank 2 6.31% $4,946
    CANOPY MORTGAGE, LLC 1 5.38% $9,138
    Colony Bank 1 6.99% $3,539
    CROSSCOUNTRY MORTGAGE, LLC 1 6.95% $4,975
    First Federal Bank 1 6.75% $4,180
    Mr. Cooper ( Nationstar Mortgage ) 1 8.13% $5,258
    Paramount Residential Mortgage Group, Inc. 1 7.63% $4,867
    Renasant Bank 1 6.63% $4,526
    South State Bank 1 6.75% $4,849
    21ST MORTGAGE CORPORATION 1 8.26% $6,116
    STOCKTON MORTGAGE CORPORATION 1 6.63% $5,500
    Ameris Bank 1 6.63% $4,935
    BROKER SOLUTIONS, INC. 1 6.49% $4,917

    Fitzgerald Average Closing Costs & Other Stats

    Fitzgerald, GA's 15 lenders originated 130 loans during 2024. The total origination value was $18,020,000, with an average loan value of $138,615.

    Fitzgerald's average closing costs are $5,001.

    The top Fitzgerald lender as defined by loan originations is QUICKEN LOANS, LLC, with 6 loans originated. Their average total fees are $6,588, which is $33 lower than the next largest lender, NAVY FEDERAL CREDIT UNION.

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

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

    Fitzgerald, 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
    QUICKEN LOANS, LLC $2,460,000 $2,955,000 20.1% 16.4%
    CANOPY MORTGAGE, LLC $485,000 $1,665,000 243.3% 9.2%
    UNITED WHOLESALE MORTGAGE, LLC $660,000 $1,235,000 87.1% 6.9%
    Mortgage Research Center, LLC $830,000 $1,145,000 38.0% 6.4%
    NAVY FEDERAL CREDIT UNION $865,000 n/a 4.8%
    AMERICAN FINANCIAL NETWORK, INC. $760,000 n/a 4.2%
    21ST MORTGAGE CORPORATION $140,000 $745,000 432.1% 4.1%
    Colony Bank $1,265,000 $550,000 -56.5% 3.1%
    BROKER SOLUTIONS, INC. $310,000 $465,000 50.0% 2.6%
    FREEDOM MORTGAGE CORPORATION $285,000 $460,000 61.4% 2.6%
    CARDINAL FINANCIAL $410,000 n/a 2.3%
    GEORGIA'S OWN $375,000 n/a 2.1%
    MORTGAGE SOLUTIONS OF COLORADO, LLC $345,000 $355,000 2.9% 2.0%
    Ameris Bank $315,000 $350,000 11.1% 1.9%
    Flagstar Bank, FSB $55,000 $270,000 390.9% 1.5%
    ABSOLUTE HOME MORTGAGE CORPORATION $265,000 n/a 1.5%
    Pineland Bank $250,000 n/a 1.4%
    TJC Mortgage, Inc. $235,000 n/a 1.3%
    VILLAGE CAPITAL MORTGAGE $115,000 $215,000 87.0% 1.2%
    JPMorgan Chase Bank $235,000 $210,000 -10.6% 1.2%
    FIRST NATIONAL BANK OF COFFEE COUNTY $95,000 $195,000 105.3% 1.1%
    PLANET HOME LENDING, LLC $195,000 n/a 1.1%
    TOWNE MORTGAGE COMPANY $195,000 n/a 1.1%
    PENNYMAC LOAN SERVICES, LLC $105,000 $185,000 76.2% 1.0%
    TRIAD FINANCIAL SERVICES, INC. $165,000 n/a 0.9%
    SOUTHEASTERN Credit Union $130,000 $150,000 15.4% 0.8%
    SOUTHEAST MORTGAGE OF GEORGIA, INC. $145,000 n/a 0.8%
    UNION HOME MORTGAGE CORP. $165,000 $145,000 -12.1% 0.8%
    RELIANCE FIRST CAPITAL, LLC $85,000 $125,000 47.1% 0.7%
    PLAZA HOME MORTGAGE, INC. $115,000 n/a 0.6%
    ACOPIA, LLC $175,000 $105,000 -40.0% 0.6%
    Renasant Bank $135,000 $105,000 -22.2% 0.6%
    Mr. Cooper ( Nationstar Mortgage ) $455,000 $95,000 -79.1% 0.5%
    STOCKTON MORTGAGE CORPORATION $95,000 n/a 0.5%
    South State Bank $125,000 $90,000 -28.0% 0.5%
    Carrington Mortgage Services, LLC $85,000 n/a 0.5%
    NEWREZ LLC $85,000 n/a 0.5%
    CROSSCOUNTRY MORTGAGE, LLC $135,000 $75,000 -44.4% 0.4%
    First Federal Bank $75,000 n/a 0.4%
    Paramount Residential Mortgage Group, Inc. $65,000 n/a 0.4%
    RUOFF MORTGAGE COMPANY, INC. $55,000 n/a 0.3%
    LOANPAL, LLC $85,000 $45,000 -47.1% 0.2%
    Figure Lending LLC $100,000 $35,000 -65.0% 0.2%

    Fitzgerald's top lender by overall market share is QUICKEN LOANS, LLC, with 16.4% market share. In second place, with 9.2%, is CANOPY MORTGAGE, LLC, having originated $1,665,000 in loans. In third place, with 6.9%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $1,235,000 in loans. In fourth place, with 6.4%, is Mortgage Research Center, LLC, having originated $1,145,000 in loans. In fifth place, with 4.8%, is NAVY FEDERAL CREDIT UNION, having originated $865,000 in loans.

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

    Realtor.com - Fitzgerald (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 $109,900 (24.9%) $141,636 (17.9%) 0.00 46
    2018-02-01 $89,925 (1.6%) $126,202 (16.9%) 0.00 53
    2018-03-01 $89,950 (2.9%) $126,933 (16.2%) 0.00 51
    2018-04-01 $97,125 (8.0%) $125,382 (11.9%) 0.00 51
    2018-05-01 $89,999 (2.0%) $148,218 (42.2%) 0.00 56
    2018-06-01 $99,500 (10.6%) $157,254 (43.7%) 0.00 50
    2018-07-01 $99,500 (2.4%) $140,017 (24.0%) 0.00 53
    2018-08-01 $99,600 (1.0%) $125,909 (8.7%) 0.00 55
    2018-09-01 $99,500 (-0.4%) $128,106 (12.2%) 0.00 58
    2018-10-01 $99,500 (-6.0%) $125,127 (-8.3%) 0.00 54
    2018-11-01 $103,750 (-5.6%) $129,125 (-6.4%) 0.00 55
    2018-12-01 $97,200 (-11.6%) $132,750 (-4.0%) 0.00 59
    2019-01-01 $105,750 (-3.8%) $132,172 (-6.7%) 0.00 56
    2019-02-01 $116,250 (29.3%) $134,733 (6.8%) 0.00 56
    2019-03-01 $119,386 (32.7%) $133,696 (5.3%) 0.00 61
    2019-04-01 $119,900 (23.5%) $133,504 (6.5%) 0.00 59
    2019-05-01 $115,500 (28.3%) $130,567 (-11.9%) 0.00 54
    2019-06-01 $109,900 (10.5%) $118,740 (-24.5%) 0.00 55
    2019-07-01 $96,500 (-3.0%) $109,153 (-22.0%) 0.00 57
    2019-08-01 $97,305 (-2.3%) $114,334 (-9.2%) 0.00 59
    2019-09-01 $98,511 (-1.0%) $115,227 (-10.1%) 0.00 61
    2019-10-01 $99,091 (-0.4%) $117,950 (-5.7%) 0.00 63
    2019-11-01 $96,000 (-7.5%) $122,247 (-5.3%) 0.00 56
    2019-12-01 $98,000 (0.8%) $130,967 (-1.3%) 0.00 57
    2020-01-01 $92,900 (-12.2%) $125,892 (-4.8%) 0.00 60
    2020-02-01 $89,900 (-22.7%) $127,930 (-5.1%) 0.00 59
    2020-03-01 $95,500 (-20.0%) $138,514 (3.6%) 0.00 50
    2020-04-01 $103,250 (-13.9%) $141,395 (5.9%) 0.00 51
    2020-05-01 $107,000 (-7.4%) $136,522 (4.6%) 0.00 48
    2020-06-01 $121,675 (10.7%) $153,653 (29.4%) 0.00 48
    2020-07-01 $117,400 (21.7%) $161,388 (47.9%) 0.00 42
    2020-08-01 $92,500 (-4.9%) $144,098 (26.0%) 0.00 31
    2020-09-01 $99,100 (0.6%) $161,925 (40.5%) 0.00 28
    2020-10-01 $112,400 (13.4%) $161,594 (37.0%) 0.00 23
    2020-11-01 $119,900 (24.9%) $167,264 (36.8%) 0.00 28
    2020-12-01 $111,150 (13.4%) $139,529 (6.5%) 0.00 26
    2021-01-01 $119,900 (29.1%) $152,038 (20.8%) 0.00 20
    2021-02-01 $119,925 (33.4%) $157,117 (22.8%) 0.00 20
    2021-03-01 $112,000 (17.3%) $150,898 (8.9%) 0.00 17
    2021-04-01 $118,500 (14.8%) $176,793 (25.0%) 0.00 21
    2021-05-01 $125,000 (16.8%) $185,121 (35.6%) 0.00 21
    2021-06-01 $147,975 (21.6%) $202,258 (31.6%) 0.00 19
    2021-07-01 $146,950 (25.2%) $209,088 (29.6%) 0.00 15
    2021-08-01 $139,900 (51.2%) $189,293 (31.4%) 0.00 13
    2021-09-01 $152,175 (53.6%) $208,569 (28.8%) 0.00 14
    2021-10-01 $179,900 (60.1%) $233,267 (44.4%) 0.00 13
    2021-11-01 $189,900 (58.4%) $232,085 (38.8%) 0.00 22
    2021-12-01 $213,650 (92.2%) $252,897 (81.3%) 0.00 19
    2022-01-01 $209,900 (75.1%) $245,381 (61.4%) 0.00 21
    2022-02-01 $159,900 (33.3%) $220,003 (40.0%) 0.00 27
    2022-03-01 $151,950 (35.7%) $187,806 (24.5%) 0.00 24
    2022-04-01 $92,700 (-21.8%) $166,367 (-5.9%) 0.00 29
    2022-05-01 $144,150 (15.3%) $212,309 (14.7%) 0.00 25
    2022-06-01 $142,400 (-3.8%) $202,785 (0.3%) 0.00 34
    2022-07-01 $148,250 (0.9%) $206,146 (-1.4%) 0.00 29
    2022-08-01 $130,575 (-6.7%) $178,532 (-5.7%) 0.00 27
    2022-09-01 $148,675 (-2.3%) $175,981 (-15.6%) 0.00 27
    2022-10-01 $159,000 (-11.6%) $171,828 (-26.3%) 0.00 23
    2022-11-01 $159,500 (-16.0%) $186,648 (-19.6%) 0.00 28
    2022-12-01 $140,000 (-34.5%) $140,574 (-44.4%) 0.00 25
    2023-01-01 $139,900 (-33.4%) $148,383 (-39.5%) 0.00 33
    2023-02-01 $162,400 (1.6%) $186,748 (-15.1%) 0.00 33
    2023-03-01 $166,000 (9.3%) $189,719 (1.0%) 0.00 32
    2023-04-01 $184,000 (98.5%) $204,500 (22.9%) 0.00 27
    2023-05-01 $174,225 (20.9%) $215,311 (1.4%) 0.00 27
    2023-06-01 $168,000 (18.0%) $207,760 (2.5%) 0.00 20
    2023-07-01 $169,450 (14.3%) $211,270 (2.5%) 0.00 18
    2023-08-01 $165,700 (26.9%) $197,389 (10.6%) 0.00 22
    2023-09-01 $154,500 (3.9%) $175,115 (-0.5%) 0.00 24
    2023-10-01 $159,450 (0.3%) $175,508 (2.1%) 0.00 27
    2023-11-01 $189,850 (19.0%) $239,286 (28.2%) 0.00 27
    2023-12-01 $192,200 (37.3%) $269,028 (91.4%) 0.00 27
    2024-01-01 $202,923 (45.1%) $271,866 (83.2%) 0.00 29
    2024-02-01 $182,450 (12.4%) $243,907 (30.6%) 0.00 33
    2024-03-01 $189,900 (14.4%) $258,600 (36.3%) 0.00 30
    2024-04-01 $194,200 (5.5%) $241,138 (17.9%) 0.00 32
    2024-05-01 $210,825 (21.0%) $266,107 (23.6%) 0.00 27
    2024-06-01 $201,750 (20.1%) $265,979 (28.0%) 0.00 33
    2024-07-01 $201,750 (19.1%) $260,479 (23.3%) 0.00 31
    2024-08-01 $199,945 (20.7%) $261,343 (32.4%) 0.00 32
    2024-09-01 $199,470 (29.1%) $253,034 (44.5%) 0.00 37
    2024-10-01 $199,493 (25.1%) $242,459 (38.2%) 0.00 40
    2024-11-01 $208,800 (10.0%) $249,358 (4.2%) 0.00 42
    2024-12-01 $197,400 (2.7%) $256,721 (-4.6%) 0.00 31
    2025-01-01 $189,900 (-6.4%) $229,373 (-15.6%) 0.00 33
    2025-02-01 $181,950 (-0.3%) $228,081 (-6.5%) 0.00 42
    2025-03-01 $181,150 (-4.6%) $231,867 (-10.3%) 0.00 42
    2025-04-01 $187,450 (-3.5%) $244,357 (1.3%) 0.00 46
    2025-05-01 $194,700 (-7.7%) $248,689 (-6.6%) 0.00 50
    2025-06-01 $201,175 (-0.3%) $288,450 (8.5%) 0.00 54
    Fitzgerald's median listing price for 2025-06-01 was $201,175, a difference of $-575 (-0.3%) versus the prior year and $6,475 versus the prior month.

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

    Fitzgerald's average listing price for 2025-06-01 was $288,450, a difference of $22,471 (8.5%) versus the prior year and $39,761 versus the prior month.

    For the 2025-06-01 period, Fitzgerald had 54 MLS listings, a difference of 4 listings (8%) versus the prior month and 21 listings (64%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Fitzgerald (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,805 sqft
    2018-02-01 0 days 1,671 sqft
    2018-03-01 0 days 1,696 sqft
    2018-04-01 0 days 1,781 sqft
    2018-05-01 0 days 1,727 sqft
    2018-06-01 0 days 1,805 sqft
    2018-07-01 0 days 1,743 sqft
    2018-08-01 0 days 1,831 sqft
    2018-09-01 0 days 1,727 sqft
    2018-10-01 0 days 1,776 sqft
    2018-11-01 0 days 1,806 sqft
    2018-12-01 0 days 1,799 sqft
    2019-01-01 0 days 1,721 sqft
    2019-02-01 0 days 1,757 sqft
    2019-03-01 0 days 1,798 sqft
    2019-04-01 0 days 1,798 sqft
    2019-05-01 0 days 1,855 sqft
    2019-06-01 0 days 1,849 sqft
    2019-07-01 0 days 1,853 sqft
    2019-08-01 0 days 1,786 sqft
    2019-09-01 0 days 1,699 sqft
    2019-10-01 0 days 1,681 sqft
    2019-11-01 0 days 1,712 sqft
    2019-12-01 0 days 1,797 sqft
    2020-01-01 0 days 1,756 sqft
    2020-02-01 0 days 1,780 sqft
    2020-03-01 0 days 1,795 sqft
    2020-04-01 0 days 1,748 sqft
    2020-05-01 0 days 1,645 sqft
    2020-06-01 0 days 1,813 sqft
    2020-07-01 0 days 1,791 sqft
    2020-08-01 0 days 1,642 sqft
    2020-09-01 0 days 1,613 sqft
    2020-10-01 0 days 1,814 sqft
    2020-11-01 0 days 1,935 sqft
    2020-12-01 0 days 1,805 sqft
    2021-01-01 0 days 2,042 sqft
    2021-02-01 0 days 2,042 sqft
    2021-03-01 0 days 1,518 sqft
    2021-04-01 0 days 1,516 sqft
    2021-05-01 0 days 1,574 sqft
    2021-06-01 0 days 1,620 sqft
    2021-07-01 0 days 1,868 sqft
    2021-08-01 0 days 1,902 sqft
    2021-09-01 0 days 1,931 sqft
    2021-10-01 0 days 2,012 sqft
    2021-11-01 0 days 1,796 sqft
    2021-12-01 0 days 1,875 sqft
    2022-01-01 0 days 1,964 sqft
    2022-02-01 0 days 1,996 sqft
    2022-03-01 0 days 1,774 sqft
    2022-04-01 0 days 1,731 sqft
    2022-05-01 0 days 1,617 sqft
    2022-06-01 0 days 1,946 sqft
    2022-07-01 0 days 1,868 sqft
    2022-08-01 0 days 1,773 sqft
    2022-09-01 0 days 1,704 sqft
    2022-10-01 0 days 1,527 sqft
    2022-11-01 0 days 1,704 sqft
    2022-12-01 0 days 1,586 sqft
    2023-01-01 0 days 1,729 sqft
    2023-02-01 0 days 1,833 sqft
    2023-03-01 0 days 1,791 sqft
    2023-04-01 0 days 1,941 sqft
    2023-05-01 0 days 1,778 sqft
    2023-06-01 0 days 1,861 sqft
    2023-07-01 0 days 2,220 sqft
    2023-08-01 0 days 1,865 sqft
    2023-09-01 0 days 1,706 sqft
    2023-10-01 0 days 1,711 sqft
    2023-11-01 0 days 1,928 sqft
    2023-12-01 0 days 1,962 sqft
    2024-01-01 0 days 1,883 sqft
    2024-02-01 0 days 1,662 sqft
    2024-03-01 0 days 1,592 sqft
    2024-04-01 0 days 1,626 sqft
    2024-05-01 0 days 1,686 sqft
    2024-06-01 0 days 1,760 sqft
    2024-07-01 0 days 1,780 sqft
    2024-08-01 0 days 1,824 sqft
    2024-09-01 0 days 1,805 sqft
    2024-10-01 0 days 1,804 sqft
    2024-11-01 0 days 1,770 sqft
    2024-12-01 0 days 1,698 sqft
    2025-01-01 0 days 1,659 sqft
    2025-02-01 0 days 1,689 sqft
    2025-03-01 0 days 1,692 sqft
    2025-04-01 0 days 1,720 sqft
    2025-05-01 0 days 1,809 sqft
    2025-06-01 0 days 1,893 sqft
    Fitzgerald's median listing age (time on market) for 2025-06-01 was 0 days.

    Fitzgerald's median square footage for active listings during the 2025-06-01 period was 1,893 sqft. One year prior, the average listing was 1,760 sqft.

    Fitzgerald, GA Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 86 $12,970,000 $150,814
    Cash Out Refi 19 $2,295,000 $120,789
    Refi 17 $2,335,000 $137,353
    Home Improvement 5 $175,000 $35,000
    Other 3 $245,000 $81,667

    Fitzgerald's most frequently cited loan purpose was Home Purchase, with 86 originations. The 2nd most popular reason was Cash Out Refi, with 19 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    6-7% 63 $10,275,000 $163,095
    Over 8% 29 $2,025,000 $69,828
    5-6% 16 $2,550,000 $159,375
    7-8% 16 $2,500,000 $156,250
    <2.5% 1 $15,000 $15,000
    4-5% 1 $195,000 $195,000

    During 2024, Fitzgerald's most frequently originated rate bucket was 6-7%, with 63 originations.

    Loan Sizing (Fitzgerald, GA MSA)

    Loan Size Originations Total Value Average Loan
    $100k-200k 58 $8,690,000 $149,828
    $100,000 or less 48 $2,910,000 $60,625
    $200k-400k 23 $5,995,000 $260,652
    $400k-600k 1 $425,000 $425,000

    Fitzgerald's loan sizing saw the bucket of loans from $100k-200k with 58 originations, totaling $8,690,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 74 $11,400,000 $154,054
    60-80% 18 $2,880,000 $160,000
    20-40% 13 $755,000 $58,077
    40-60% 11 $1,055,000 $95,909
    Over 100% 5 $1,085,000 $217,000
    Under 20% 4 $100,000 $25,000

    Fitzgerald's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 74 originations, totaling $11,400,000 in origination value.