Fitzgerald Mortgage Rates

  • JUMP TO:
  • Trends
  • Rates vs. Fees
  • Top Lenders
  • Market Share
  • Loan Attributes
  • Market Conditions & Pricing
  • Time on Market/Property Size
    • 30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

    30 Year Fixed Rate mortgages in Fitzgerald averaged 6.35% for the week of 2022-06-23, compared to the national average of 5.81% for the same period.

    The average rate for the prior week (2022-06-16) was 6.22% and one month ago for the week of 2022-05-19, the average rate was 5.59%.

    Fitzgerald's average rate one year ago was 3.27%.

    For refis of the same type during the week of 2022-06-23, the average rate was 6.55%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2022-06-23 5.81%
    Fitzgerald 30 Year Fixed Rate 2022-06-23 6.35%
    Fitzgerald 30 Year Fixed Rate Refi 2022-06-23 6.55%
    Fitzgerald 15 Year Fixed Rate 2022-06-23 6.23%
    Fitzgerald 15 Year Fixed Rate Refi 2022-06-23 5.42%
    Fitzgerald 30 Year FHA 2022-06-23 -0.04%
    Fitzgerald 30 Year FHA Refi 2022-06-23 -0.19%
    Fitzgerald 30 Year USDA 2022-06-23 0.2%
    Fitzgerald 30 Year VA 2022-06-23 0.29%
    Fitzgerald 30 Year VA Refi 2022-06-23 -0.54%
    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 lendor, 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 2021 Avg. 30yFix Rate 2021 Avg. Total Fees
    QUICKEN LOANS, LLC 22 3.17% $5,378
    Colony Bank 9 3.04% $3,682
    HOMESTAR FINANCIAL CORPORATION 5 3.18% $3,001
    NAVY FEDERAL CREDIT UNION 2 4.13% $2,053
    Renasant Bank 2 3.13% $5,060
    Ameris Bank 2 3.31% $3,927
    Fifth Third Bank 1 3.63% $5,212
    MORTGAGE INVESTORS GROUP, INC. 1 2.38% $3,948
    Mr. Cooper ( Nationstar Mortgage ) 1 3.38% $4,873
    MUTUAL OF OMAHA MORTGAGE, INC. 1 3.88% $3,067
    PENNYMAC LOAN SERVICES, LLC 1 3.25% $4,947
    PRIMELENDING, A PLAINSCAPITAL COMPANY 1 2.99% $4,688
    Prosperity Home Mortgage, LLC 1 3.00% $4,327
    RELIANCE FIRST CAPITAL, LLC 1 2.99% $11,082
    AgFirst Farm Credit Bank 1 3.25% $5,708
    Wells Fargo Bank 1 3.00% $3,767
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 1 3.63% $4,659
    AMERISAVE MORTGAGE CORPORATION 1 2.75% $8,049
    Arvest Bank 1 3.63% $3,745
    BROKER SOLUTIONS, INC. 1 3.13% $4,707
    CONTOUR MORTGAGE CORPORATION 1 3.88% $3,338

    Fitzgerald, GA's 21 lenders originated 245 loans during 2021. The total origination value was $30,745,000, with an average loan value of $125,490.

    The top Fitzgerald lender as defined by loan originations is QUICKEN LOANS, LLC, with 22 loans originated. Their average total fees are $5,378, which is $1,695 higher than the next largest lender, Colony Bank.

    The lowest fee Fitzgerald lenders (with over 10 loans originated) are QUICKEN LOANS, LLC ($5,378), .

    The lowest rate Fitzgerald lenders (with over 10 loans originated) are QUICKEN LOANS, LLC (3.17%), .

    Fitzgerald, 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 $5,960,000 $8,435,000 41.5% 27.4%
    HOMESTAR FINANCIAL CORPORATION $2,065,000 $6,345,000 207.3% 20.6%
    Colony Bank $2,690,000 $2,405,000 -10.6% 7.8%
    FREEDOM MORTGAGE CORPORATION $395,000 $980,000 148.1% 3.2%
    Mr. Cooper ( Nationstar Mortgage ) $560,000 $855,000 52.7% 2.8%
    ANGEL OAK HOME LOANS LLC $765,000 $780,000 2.0% 2.5%
    VILLAGE CAPITAL & INVESTMENT LLC $545,000 n/a 1.8%
    Renasant Bank $540,000 n/a 1.8%
    AMERISAVE MORTGAGE CORPORATION $510,000 n/a 1.7%
    Wells Fargo Bank $465,000 $495,000 6.5% 1.6%
    BROKER SOLUTIONS, INC. $490,000 n/a 1.6%
    PLANTERS FIRST BANK $160,000 $460,000 187.5% 1.5%
    NAVY FEDERAL CREDIT UNION $165,000 $445,000 169.7% 1.4%
    NEWREZ LLC $380,000 n/a 1.2%
    Mortgage Research Center, LLC $670,000 $375,000 -44.0% 1.2%
    Ameris Bank $390,000 $355,000 -9.0% 1.2%
    PENNYMAC LOAN SERVICES, LLC $295,000 n/a 1.0%
    MORTGAGE SOLUTIONS OF COLORADO, LLC $285,000 n/a 0.9%
    FirstBank $280,000 n/a 0.9%
    RELIANCE FIRST CAPITAL, LLC $265,000 n/a 0.9%
    CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $255,000 n/a 0.8%
    NEW DAY FINANCIAL, LLC $250,000 n/a 0.8%
    SOFI LENDING CORP. $245,000 n/a 0.8%
    Commercial Banking Company $945,000 $225,000 -76.2% 0.7%
    Arvest Bank $215,000 n/a 0.7%
    LOANDEPOT.COM, LLC $655,000 $210,000 -67.9% 0.7%
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $175,000 n/a 0.6%
    VAN DYK MORTGAGE CORPORATION $175,000 n/a 0.6%
    AgFirst Farm Credit Bank $105,000 $165,000 57.1% 0.5%
    ATLANTIC BAY MORTGAGE GROUP, L.L.C. $35,000 $165,000 371.4% 0.5%
    Low VA Rates, LLC $165,000 n/a 0.5%
    Ally Bank $160,000 n/a 0.5%
    CONTOUR MORTGAGE CORPORATION $155,000 n/a 0.5%
    Prosperity Home Mortgage, LLC $155,000 n/a 0.5%
    Synovus Bank $385,000 $155,000 -59.7% 0.5%
    21ST MORTGAGE CORPORATION $455,000 $150,000 -67.0% 0.5%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $350,000 $145,000 -58.6% 0.5%
    MUTUAL OF OMAHA MORTGAGE, INC. $140,000 n/a 0.5%
    MORTGAGE FINANCIAL GROUP, INC. $135,000 n/a 0.4%
    Pineland Bank $135,000 n/a 0.4%
    SUCCESS MORTGAGE PARTNERS, INC. $135,000 n/a 0.4%
    TRIAD FINANCIAL SERVICES, INC. $135,000 n/a 0.4%
    PRIMELENDING, A PLAINSCAPITAL COMPANY $255,000 $125,000 -51.0% 0.4%
    MORTGAGE INVESTORS GROUP, INC. $260,000 $105,000 -59.6% 0.3%
    Stifel Bank and Trust $105,000 n/a 0.3%
    USAA Federal Savings Bank $105,000 n/a 0.3%
    GUARANTEED RATE, INC. $95,000 n/a 0.3%
    NFM, INC. $95,000 n/a 0.3%
    PRIMARY RESIDENTIAL MORTGAGE, INC. $95,000 n/a 0.3%
    AMERICAN ADVISORS GROUP $85,000 n/a 0.3%
    Bank of America $175,000 $85,000 -51.4% 0.3%
    Discover Bank $85,000 n/a 0.3%
    GUARANTY HOME MORTGAGE CORPORATION $75,000 n/a 0.2%
    Paramount Residential Mortgage Group, Inc. $75,000 n/a 0.2%
    SOUTHWEST STAGE FUNDING, LLC $250,000 $75,000 -70.0% 0.2%
    U.S. Bank $75,000 n/a 0.2%
    Carrington Mortgage Services, LLC $55,000 n/a 0.2%
    Fifth Third Bank $55,000 $45,000 -18.2% 0.1%

    Fitzgerald's top lender by overall market share is QUICKEN LOANS, LLC, with 27.4% market share. In second place, with 20.6%, is HOMESTAR FINANCIAL CORPORATION, having originated $6,345,000 in loans. In third place, with 7.8%, is Colony Bank, having originated $2,405,000 in loans. In third place, with 3.2%, is FREEDOM MORTGAGE CORPORATION, having originated $980,000 in loans. In third place, with 2.8%, is Mr. Cooper ( Nationstar Mortgage ), having originated $855,000 in loans.

    Fitzgerald, GA Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 115 $16,325,000 $141,957
    Refi 88 $9,130,000 $103,750
    Cash Out Refi 39 $4,825,000 $123,718
    Home Improvement 2 $90,000 $45,000
    Other 1 $375,000 $375,000

    Fitzgerald's most frequently cited loan purpose was Home Purchase, with 115 originations. The 2nd most popular reason was Refi, with 88 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    3-4% 91 $11,865,000 $130,385
    2.5-3% 74 $11,110,000 $150,135
    <2.5% 38 $4,980,000 $131,053
    5-6% 13 $455,000 $35,000
    4-5% 11 $1,035,000 $94,091
    6-7% 6 $340,000 $56,667
    Over 8% 2 $140,000 $70,000

    During 2021, Fitzgerald's most frequently originated rate bucket was 3-4%, with 91 originations.

    Loan Sizing (Fitzgerald, GA MSA)

    Loan Size Originations Total Value Average Loan
    $100k-200k 111 $15,535,000 $139,955
    $100,000 or less 99 $6,375,000 $64,394
    $200k-400k 35 $8,835,000 $252,429

    Fitzgerald's loan sizing saw the bucket of loans from $100k-200k with 111 originations, totaling $15,535,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 119 $17,575,000 $147,689
    60-80% 61 $7,785,000 $127,623
    40-60% 29 $2,355,000 $81,207
    20-40% 6 $290,000 $48,333
    Under 20% 5 $75,000 $15,000
    Over 100% 1 $145,000 $145,000

    Fitzgerald's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 119 originations, totaling $17,575,000 in origination value.

    Market Conditions (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 (23.9%) $137,694 (14.5%) 0.00 44
    2018-02-01 $89,950 (1.1%) $124,356 (14.0%) 0.00 51
    2018-03-01 $89,999 (2.3%) $125,490 (14.4%) 0.00 50
    2018-04-01 $94,750 (5.4%) $124,025 (12.6%) 0.00 50
    2018-05-01 $89,999 (1.7%) $146,171 (41.4%) 0.00 55
    2018-06-01 $99,500 (10.6%) $157,890 (44.3%) 0.00 50
    2018-07-01 $107,250 (7.4%) $143,001 (24.3%) 0.00 52
    2018-08-01 $99,900 (0.5%) $130,978 (12.1%) 0.00 55
    2018-09-01 $108,000 (3.0%) $132,455 (16.2%) 0.00 58
    2018-10-01 $108,950 (-0.9%) $130,076 (-5.8%) 0.00 56
    2018-11-01 $111,450 (1.4%) $130,047 (-5.1%) 0.00 56
    2018-12-01 $99,500 (-9.5%) $132,015 (-2.1%) 0.00 61
    2019-01-01 $106,500 (-3.1%) $131,944 (-4.2%) 0.00 57
    2019-02-01 $119,000 (32.3%) $133,237 (7.1%) 0.00 58
    2019-03-01 $119,429 (32.7%) $132,774 (5.8%) 0.00 69
    2019-04-01 $120,000 (26.7%) $133,807 (7.9%) 0.00 65
    2019-05-01 $117,000 (30.0%) $131,447 (-10.1%) 0.00 62
    2019-06-01 $129,000 (29.7%) $121,220 (-23.2%) 0.00 65
    2019-07-01 $108,000 (0.7%) $111,613 (-22.0%) 0.00 66
    2019-08-01 $102,643 (2.8%) $114,813 (-12.3%) 0.00 66
    2019-09-01 $96,500 (-10.7%) $116,685 (-11.9%) 0.00 69
    2019-10-01 $99,450 (-8.7%) $117,649 (-9.6%) 0.00 70
    2019-11-01 $96,500 (-13.4%) $119,864 (-7.8%) 0.00 64
    2019-12-01 $99,500 (0.0%) $125,457 (-5.0%) 0.00 66
    2020-01-01 $95,500 (-10.3%) $123,597 (-6.3%) 0.00 69
    2020-02-01 $92,500 (-22.3%) $125,252 (-6.0%) 0.00 66
    2020-03-01 $99,500 (-16.7%) $139,460 (5.0%) 0.00 55
    2020-04-01 $108,450 (-9.6%) $142,764 (6.7%) 0.00 55
    2020-05-01 $114,900 (-1.8%) $138,313 (5.2%) 0.00 54
    2020-06-01 $123,450 (-4.3%) $153,208 (26.4%) 0.00 52
    2020-07-01 $118,850 (10.1%) $162,998 (46.0%) 0.00 45
    2020-08-01 $97,755 (-4.8%) $148,310 (29.2%) 0.00 37
    2020-09-01 $124,900 (29.4%) $163,080 (39.8%) 0.00 29
    2020-10-01 $129,900 (30.6%) $163,444 (38.9%) 0.00 26
    2020-11-01 $126,500 (31.1%) $170,364 (42.1%) 0.00 28
    2020-12-01 $119,900 (20.5%) $141,704 (13.0%) 0.00 29
    2021-01-01 $120,000 (25.7%) $150,558 (21.8%) 0.00 23
    2021-02-01 $119,950 (29.7%) $157,300 (25.6%) 0.00 21
    2021-03-01 $112,000 (12.6%) $151,162 (8.4%) 0.00 18
    2021-04-01 $118,500 (9.3%) $173,825 (21.8%) 0.00 23
    2021-05-01 $129,000 (12.3%) $183,371 (32.6%) 0.00 22
    2021-06-01 $164,000 (32.9%) $202,156 (32.0%) 0.00 20
    2021-07-01 $149,000 (25.4%) $205,802 (26.3%) 0.00 17
    2021-08-01 $139,900 (43.1%) $189,818 (28.0%) 0.00 14
    2021-09-01 $154,900 (24.0%) $204,828 (25.6%) 0.00 15
    2021-10-01 $179,900 (38.5%) $226,400 (38.5%) 0.00 14
    2021-11-01 $199,900 (58.0%) $236,555 (38.9%) 0.00 23
    2021-12-01 $209,900 (75.1%) $259,408 (83.1%) 0.00 19
    2022-01-01 $209,900 (74.9%) $251,491 (67.0%) 0.00 22
    2022-02-01 $159,900 (33.3%) $222,682 (41.6%) 0.00 28
    2022-03-01 $159,450 (42.4%) $191,538 (26.7%) 0.00 27
    2022-04-01 $139,000 (17.3%) $180,562 (3.9%) 0.00 34
    2022-05-01 $151,700 (17.6%) $211,862 (15.5%) 0.00 30
    Fitzgerald's median listing price for 2022-05-01 was $151,700, a difference of $22,700 (17.6%) versus the prior year and $12,700 versus the prior month.

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

    Fitzgerald's average listing price for 2022-05-01 was $211,862, a difference of $28,491 (15.5%) versus the prior year and $31,300 versus the prior month.

    For the 2022-05-01 period, Fitzgerald had 30 MLS listings, a difference of -4 listings (-12%) versus the prior month and 8 listings (36%) 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 1,801 sqft
    2018-02-01 0 days 1,664 sqft
    2018-03-01 0 days 1,692 sqft
    2018-04-01 0 days 1,805 sqft
    2018-05-01 0 days 1,727 sqft
    2018-06-01 0 days 1,805 sqft
    2018-07-01 0 days 1,805 sqft
    2018-08-01 0 days 1,871 sqft
    2018-09-01 0 days 1,854 sqft
    2018-10-01 0 days 1,854 sqft
    2018-11-01 0 days 1,854 sqft
    2018-12-01 0 days 1,836 sqft
    2019-01-01 0 days 1,765 sqft
    2019-02-01 0 days 1,792 sqft
    2019-03-01 0 days 1,844 sqft
    2019-04-01 0 days 1,829 sqft
    2019-05-01 0 days 1,856 sqft
    2019-06-01 0 days 1,854 sqft
    2019-07-01 0 days 1,849 sqft
    2019-08-01 0 days 1,766 sqft
    2019-09-01 0 days 1,680 sqft
    2019-10-01 0 days 1,710 sqft
    2019-11-01 0 days 1,796 sqft
    2019-12-01 0 days 1,797 sqft
    2020-01-01 0 days 1,794 sqft
    2020-02-01 0 days 1,778 sqft
    2020-03-01 0 days 1,833 sqft
    2020-04-01 0 days 1,821 sqft
    2020-05-01 0 days 1,680 sqft
    2020-06-01 0 days 1,815 sqft
    2020-07-01 0 days 1,848 sqft
    2020-08-01 0 days 1,868 sqft
    2020-09-01 0 days 1,642 sqft
    2020-10-01 0 days 1,868 sqft
    2020-11-01 0 days 1,935 sqft
    2020-12-01 0 days 1,868 sqft
    2021-01-01 0 days 2,141 sqft
    2021-02-01 0 days 2,144 sqft
    2021-03-01 0 days 1,647 sqft
    2021-04-01 0 days 1,531 sqft
    2021-05-01 0 days 1,532 sqft
    2021-06-01 0 days 1,626 sqft
    2021-07-01 0 days 1,953 sqft
    2021-08-01 0 days 1,941 sqft
    2021-09-01 0 days 2,028 sqft
    2021-10-01 0 days 2,050 sqft
    2021-11-01 0 days 1,799 sqft
    2021-12-01 0 days 1,850 sqft
    2022-01-01 0 days 1,900 sqft
    2022-02-01 0 days 2,021 sqft
    2022-03-01 0 days 1,799 sqft
    2022-04-01 0 days 1,799 sqft
    2022-05-01 0 days 1,834 sqft
    Fitzgerald's median listing age (time on market) for 2022-05-01 was 0 days.

    Fitzgerald's median square footage for active listings during the 2022-05-01 period was 1,834 sqft. One year prior, the average listing was 1,532 sqft.