Lake City Mortgage Rates
30 Year Fixed Rate mortgages in Lake City averaged
6.36%
for the week of 2022-06-30, compared to the national average of
5.7% for the same period.
The average rate for the prior week (2022-06-23) was
6.27% and
one month ago for the week of 2022-05-26, the
average rate was 5.76%.
Lake City's average rate one year ago was 3.65%.
For refis of the same type during the week of 2022-06-30, the average rate
was 6.16%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2022-06-30 | 5.7% |
| Lake City 30 Year Fixed Rate | 2022-06-30 | 6.36% |
| Lake City 30 Year Fixed Rate Refi | 2022-06-30 | 6.16% |
| Lake City 15 Year Fixed Rate | 2022-06-30 | 5.47% |
| Lake City 15 Year Fixed Rate Refi | 2022-06-30 | 4.85% |
| Lake City 30 Year FHA | 2022-06-30 | 5.72% |
| Lake City 30 Year FHA Refi | 2022-06-30 | 6.02% |
| Lake City 30 Year USDA | 2022-06-30 | 5.73% |
| Lake City 30 Year USDA Refi | 2022-06-30 | 4.97% |
| Lake City 30 Year VA | 2022-06-30 | 5.92% |
| Lake City 30 Year VA Refi | 2022-06-30 | 5.25% |
Lake City 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 Lake City, FL 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.).
Lake City, FL's 120 lenders originated 1,900
loans during 2021. The total origination value was $355,250,000, with an average loan value of
$186,974.
The top Lake City lender as defined by loan originations is QUICKEN LOANS, LLC, with
87 loans originated. Their average total fees are
$4,543, which is $568
higher than the next largest lender,
First Federal Bank.
The lowest fee Lake City lenders (with over 10 loans originated) are
VYSTAR ($1,696), CAMPUS USA ($3,012), UNION HOME MORTGAGE CORP. ($3,804), NAVY FEDERAL CREDIT UNION ($3,886) and Mortgage Lenders Investment Trading Corporation ($3,900).
The lowest rate Lake City lenders (with over 10 loans originated) are
MOVEMENT MORTGAGE, LLC (3.03%), QUICKEN LOANS, LLC (3.07%), Ameris Bank (3.08%), UNITED WHOLESALE MORTGAGE, LLC (3.09%) and AMERICAN FINANCIAL NETWORK, INC. (3.20%).
Lake City, FL 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 | $30,625,000 | $39,185,000 | 28.0% | 11.0% |
| First Federal Bank | $36,030,000 | $28,170,000 | -21.8% | 7.9% |
| UNION HOME MORTGAGE CORP. | $6,350,000 | $19,995,000 | 214.9% | 5.6% |
| CAMPUS USA | $12,100,000 | $12,620,000 | 4.3% | 3.6% |
| VYSTAR | $13,530,000 | $12,465,000 | -7.9% | 3.5% |
| Mortgage Research Center, LLC | $4,960,000 | $12,195,000 | 145.9% | 3.4% |
| MOVEMENT MORTGAGE, LLC | $2,660,000 | $11,185,000 | 320.5% | 3.1% |
| UNITED WHOLESALE MORTGAGE, LLC | $2,355,000 | $10,160,000 | 331.4% | 2.9% |
| FREEDOM MORTGAGE CORPORATION | $10,635,000 | $8,925,000 | -16.1% | 2.5% |
| 21ST MORTGAGE CORPORATION | $8,650,000 | $8,480,000 | -2.0% | 2.4% |
| Ameris Bank | $5,415,000 | $7,850,000 | 45.0% | 2.2% |
| DRUMMOND COMMUNITY BANK | $7,305,000 | $7,395,000 | 1.2% | 2.1% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $7,420,000 | $6,995,000 | -5.7% | 2.0% |
| AMERICAN FINANCIAL NETWORK, INC. | $6,315,000 | $6,600,000 | 4.5% | 1.9% |
| FLORIDA | $6,265,000 | $6,425,000 | 2.6% | 1.8% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $5,295,000 | n/a | 1.5% | |
| NAVY FEDERAL CREDIT UNION | $3,045,000 | $5,105,000 | 67.7% | 1.4% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $4,330,000 | $5,015,000 | 15.8% | 1.4% |
| CALIBER HOME LOANS, INC. | $1,340,000 | $4,955,000 | 269.8% | 1.4% |
| LOANDEPOT.COM, LLC | $4,435,000 | $4,570,000 | 3.0% | 1.3% |
| Mr. Cooper ( Nationstar Mortgage ) | $2,145,000 | $4,390,000 | 104.7% | 1.2% |
| RANLIFE, INC. | $3,305,000 | $4,170,000 | 26.2% | 1.2% |
| Mortgage Lenders Investment Trading Corporation | $4,350,000 | $4,135,000 | -4.9% | 1.2% |
| PENNYMAC LOAN SERVICES, LLC | $2,665,000 | $3,905,000 | 46.5% | 1.1% |
| Advisors Mortgage Group, L.L.C. | $5,040,000 | $3,685,000 | -26.9% | 1.0% |
| TRIAD FINANCIAL SERVICES, INC. | $1,925,000 | $3,390,000 | 76.1% | 1.0% |
| Wells Fargo Bank | $2,080,000 | $3,355,000 | 61.3% | 0.9% |
| NEWREZ LLC | $485,000 | $3,130,000 | 545.4% | 0.9% |
| AMERISAVE MORTGAGE CORPORATION | $1,475,000 | $3,010,000 | 104.1% | 0.8% |
| MILLENNIUM BANK | $1,940,000 | $2,775,000 | 43.0% | 0.8% |
| Paramount Residential Mortgage Group, Inc. | $2,180,000 | $2,725,000 | 25.0% | 0.8% |
| HOME POINT FINANCIAL CORPORATION | $825,000 | $2,655,000 | 221.8% | 0.7% |
| USAA Federal Savings Bank | $2,465,000 | $2,620,000 | 6.3% | 0.7% |
| AgFirst Farm Credit Bank | $1,085,000 | $2,430,000 | 124.0% | 0.7% |
| Nations Lending Corporation | $3,305,000 | $2,380,000 | -28.0% | 0.7% |
| THE MORTGAGE FIRM, INC. | $2,000,000 | $2,295,000 | 14.8% | 0.6% |
| TD Bank | $2,980,000 | $1,960,000 | -34.2% | 0.6% |
| SOUTHWEST STAGE FUNDING, LLC | $1,640,000 | $1,915,000 | 16.8% | 0.5% |
| GUARANTEED RATE, INC. | $1,300,000 | $1,885,000 | 45.0% | 0.5% |
| LAKEVIEW LOAN SERVICING, LLC | $2,120,000 | $1,860,000 | -12.3% | 0.5% |
| The Federal Savings Bank | $1,655,000 | $1,715,000 | 3.6% | 0.5% |
| AMERICAN FINANCIAL RESOURCES, INC. | $3,005,000 | $1,675,000 | -44.3% | 0.5% |
| FBC MORTGAGE, LLC | $1,540,000 | $1,550,000 | 0.6% | 0.4% |
| NEW DAY FINANCIAL, LLC | $2,700,000 | $1,440,000 | -46.7% | 0.4% |
| Ally Bank | $1,385,000 | n/a | 0.4% | |
| SUN WEST MORTGAGE COMPANY, INC. | $400,000 | $1,385,000 | 246.3% | 0.4% |
| SunState Federal Credit Union | $1,250,000 | $1,340,000 | 7.2% | 0.4% |
| Capital City Home Loans, LLC | $2,185,000 | $1,310,000 | -40.0% | 0.4% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | $590,000 | $1,220,000 | 106.8% | 0.3% |
| Gateway First Bank | $665,000 | $1,185,000 | 78.2% | 0.3% |
| AMERICAN FINANCING CORPORATION | $295,000 | $1,175,000 | 298.3% | 0.3% |
| Truist Bank | $650,000 | $1,160,000 | 78.5% | 0.3% |
| BETTER MORTGAGE CORPORATION | $1,070,000 | n/a | 0.3% | |
| AMERIFIRST FINANCIAL CORPORATION | $795,000 | $1,060,000 | 33.3% | 0.3% |
| Carrington Mortgage Services, LLC | $1,470,000 | $1,055,000 | -28.2% | 0.3% |
| CHURCHILL MORTGAGE CORPORATION | $370,000 | $1,055,000 | 185.1% | 0.3% |
| NATIONWIDE MORTGAGE BANKERS, INC. | $1,040,000 | n/a | 0.3% | |
| Capital City Bank | $1,275,000 | $1,025,000 | -19.6% | 0.3% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $120,000 | $975,000 | 712.5% | 0.3% |
| ROYAL UNITED MORTGAGE LLC | $815,000 | $970,000 | 19.0% | 0.3% |
| U.S. Bank | $680,000 | $950,000 | 39.7% | 0.3% |
| BROKER SOLUTIONS, INC. | $1,155,000 | $935,000 | -19.0% | 0.3% |
| Flagstar Bank, FSB | $125,000 | $910,000 | 628.0% | 0.3% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $755,000 | $885,000 | 17.2% | 0.2% |
| Bank of America | $2,630,000 | $875,000 | -66.7% | 0.2% |
| JPMorgan Chase Bank | $545,000 | $875,000 | 60.6% | 0.2% |
| STOCKTON MORTGAGE CORPORATION | $105,000 | $865,000 | 723.8% | 0.2% |
| VILLAGE CAPITAL & INVESTMENT LLC | $1,620,000 | $825,000 | -49.1% | 0.2% |
| CLEARPATH LENDING | $1,290,000 | $800,000 | -38.0% | 0.2% |
| CREDIT HUMAN FEDERAL CREDIT UNION | $680,000 | $800,000 | 17.6% | 0.2% |
| MIDFLORIDA | $920,000 | $765,000 | -16.8% | 0.2% |
| Equity Prime Mortgage LLC | $450,000 | $745,000 | 65.6% | 0.2% |
| ABSOLUTE HOME MORTGAGE CORPORATION | $695,000 | n/a | 0.2% | |
| Renasant Bank | $1,290,000 | $695,000 | -46.1% | 0.2% |
| Shamrock Home Loans, Inc. | $695,000 | n/a | 0.2% | |
| Bank of England | $445,000 | $685,000 | 53.9% | 0.2% |
| DEEPHAVEN MORTGAGE LLC | $675,000 | n/a | 0.2% | |
| AMERICAN ADVISORS GROUP | $250,000 | $665,000 | 166.0% | 0.2% |
| ZILLOW HOME LOANS, LLC | $115,000 | $665,000 | 478.3% | 0.2% |
| 1ST SIGNATURE LENDING, LLC | $470,000 | $645,000 | 37.2% | 0.2% |
| Citizens Bank | $640,000 | n/a | 0.2% | |
| CROSSCOUNTRY MORTGAGE, LLC | $1,045,000 | $635,000 | -39.2% | 0.2% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | $620,000 | n/a | 0.2% | |
| Mid-Continent Funding, Inc. | $570,000 | $595,000 | 4.4% | 0.2% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $590,000 | n/a | 0.2% | |
| InterContinental Capital Group, Inc | $275,000 | $585,000 | 112.7% | 0.2% |
| TIAA, FSB | $205,000 | $575,000 | 180.5% | 0.2% |
| Wyndham Capital Mortgage, Inc. | $720,000 | $555,000 | -22.9% | 0.2% |
| Progress Bank and Trust | $545,000 | n/a | 0.2% | |
| GTE Federal Credit Union | $230,000 | $520,000 | 126.1% | 0.1% |
| Atlantic Coast Mortgage, LLC | $515,000 | n/a | 0.1% | |
| PROPER RATE, LLC | $505,000 | n/a | 0.1% | |
| Summit Mortgage Corporation | $485,000 | n/a | 0.1% | |
| Colonial Savings, F.A. | $480,000 | n/a | 0.1% | |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $115,000 | $480,000 | 317.4% | 0.1% |
| HAMILTON HOME LOANS, INC. | $1,195,000 | $475,000 | -60.3% | 0.1% |
| KELLER MORTGAGE, LLC | $225,000 | $475,000 | 111.1% | 0.1% |
| HOMESIDE FINANCIAL, LLC | $560,000 | $470,000 | -16.1% | 0.1% |
| South State Bank | $465,000 | n/a | 0.1% | |
| Northpointe Bank | $235,000 | $460,000 | 95.7% | 0.1% |
| GREAT WESTERN FINANCIAL SERVICES, INC. | $455,000 | n/a | 0.1% | |
| NETWORK CAPITAL FUNDING CORPORATION | $440,000 | n/a | 0.1% | |
| UNIVERSITY LENDING GROUP, LLC | $440,000 | n/a | 0.1% | |
| A&D Mortgage LLC | $435,000 | n/a | 0.1% | |
| CIS Financial Services, Inc. | $185,000 | $425,000 | 129.7% | 0.1% |
| First Guaranty Mortgage Corporation | $805,000 | $425,000 | -47.2% | 0.1% |
| DAS Acquisition Company, LLC | $420,000 | n/a | 0.1% | |
| Plains Commerce Bank | $175,000 | $410,000 | 134.3% | 0.1% |
| Bank Five Nine | $405,000 | n/a | 0.1% | |
| PNC Bank | $195,000 | $405,000 | 107.7% | 0.1% |
| Amalgamated Bank | $395,000 | n/a | 0.1% | |
| BAY EQUITY LLC | $390,000 | n/a | 0.1% | |
| MORTGAGE FINANCIAL GROUP, INC. | $225,000 | $385,000 | 71.1% | 0.1% |
| TOWNE MORTGAGE COMPANY | $300,000 | $385,000 | 28.3% | 0.1% |
| PANORAMA MORTGAGE GROUP, LLC | $380,000 | n/a | 0.1% | |
| AmeriHome Mortgage Company, LLC | $370,000 | n/a | 0.1% | |
| KS StateBank | $295,000 | $365,000 | 23.7% | 0.1% |
| PHH Mortgage Corporation | $330,000 | $350,000 | 6.1% | 0.1% |
| Low VA Rates, LLC | $455,000 | $345,000 | -24.2% | 0.1% |
| GENEVA FINANCIAL, LLC | $335,000 | $340,000 | 1.5% | 0.1% |
| Suncoast Credit Union | $330,000 | $340,000 | 3.0% | 0.1% |
| LENDUS, LLC | $435,000 | $325,000 | -25.3% | 0.1% |
| Regions Bank | $400,000 | $320,000 | -20.0% | 0.1% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $225,000 | $315,000 | 40.0% | 0.1% |
| MID AMERICA MORTGAGE, INC. | $280,000 | $310,000 | 10.7% | 0.1% |
| 1ST FINANCIAL, INC. | $305,000 | n/a | 0.1% | |
| NORTHPOINT MORTGAGE, INC. | $305,000 | n/a | 0.1% | |
| Barrington Bank & Trust Company, N.A. | $1,185,000 | $290,000 | -75.5% | 0.1% |
| Quontic Bank | $285,000 | n/a | 0.1% | |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | $275,000 | n/a | 0.1% | |
| LEADERONE FINANCIAL CORPORATION | $275,000 | n/a | 0.1% | |
| Magnolia Bank | $265,000 | $275,000 | 3.8% | 0.1% |
| GUILD MORTGAGE COMPANY | $395,000 | $265,000 | -32.9% | 0.1% |
| HOMESPIRE MORTGAGE CORPORATION | $280,000 | $265,000 | -5.4% | 0.1% |
| TJC Mortgage, Inc. | $165,000 | $265,000 | 60.6% | 0.1% |
| ACADEMY MORTGAGE CORPORATION | $255,000 | n/a | 0.1% | |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $255,000 | n/a | 0.1% | |
| SOFI LENDING CORP. | $155,000 | $255,000 | 64.5% | 0.1% |
| Hometown Equity Mortgage, LLC | $250,000 | n/a | 0.1% | |
| Commerce Home Mortgage, Inc. | $245,000 | n/a | 0.1% | |
| CALCON MUTUAL MORTGAGE LLC | $115,000 | $235,000 | 104.3% | 0.1% |
| EASTMAN | $85,000 | $225,000 | 164.7% | 0.1% |
| MICHIGAN MUTUAL, INC. | $225,000 | n/a | 0.1% | |
| North American Savings Bank, F.S.B. | $205,000 | $215,000 | 4.9% | 0.1% |
| NORTHERN MORTGAGE SERVICES, LLC | $215,000 | n/a | 0.1% | |
| UNITED | $215,000 | n/a | 0.1% | |
| PLANET HOME LENDING, LLC | $365,000 | $210,000 | -42.5% | 0.1% |
| ANGEL OAK HOME LOANS LLC | $205,000 | n/a | 0.1% | |
| BankFirst Financial Services | $205,000 | n/a | 0.1% | |
| CORNERSTONE HOME LENDING, INC. | $205,000 | n/a | 0.1% | |
| SOVEREIGN LENDING GROUP INCORPORATED | $205,000 | n/a | 0.1% | |
| Citadel Servicing Corporation | $125,000 | $195,000 | 56.0% | 0.1% |
| First Midwest Bank | $195,000 | n/a | 0.1% | |
| MORTGAGE FINANCIAL SERVICES, LLC | $195,000 | n/a | 0.1% | |
| CELEBRITY HOME LOANS, LLC | $185,000 | n/a | 0.1% | |
| EMBRACE HOME LOANS, INC. | $245,000 | $185,000 | -24.5% | 0.1% |
| NBKC BANK | $375,000 | $185,000 | -50.7% | 0.1% |
| STEARNS LENDING, LLC | $135,000 | $185,000 | 37.0% | 0.1% |
| SPRING EQ, LLC | $45,000 | $180,000 | 300.0% | 0.1% |
| FINANCE OF AMERICA MORTGAGE LLC | $315,000 | $175,000 | -44.4% | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | $135,000 | $175,000 | 29.6% | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | $125,000 | $175,000 | 40.0% | 0.0% |
| TC FEDERAL BANK | $175,000 | n/a | 0.0% | |
| AmRes Corporation | $165,000 | n/a | 0.0% | |
| Strong Home Mortgage, LLC | $165,000 | n/a | 0.0% | |
| Discover Bank | $160,000 | n/a | 0.0% | |
| EMM LOANS LLC | $155,000 | n/a | 0.0% | |
| OCEANSIDE MORTGAGE COMPANY | $425,000 | $155,000 | -63.5% | 0.0% |
| OPEN MORTGAGE, LLC | $155,000 | n/a | 0.0% | |
| SPACE COAST Credit Union | $155,000 | n/a | 0.0% | |
| WATSON MORTGAGE CORP. | $490,000 | $155,000 | -68.4% | 0.0% |
| Wolfe Financial, Inc | $155,000 | n/a | 0.0% | |
| Midwest Mortgage Associates Corporation | $435,000 | $145,000 | -66.7% | 0.0% |
| Paramount Bank | $145,000 | n/a | 0.0% | |
| The Huntington National Bank | $145,000 | n/a | 0.0% | |
| Third Federal Savings and Loan Association of Cleveland | $955,000 | $145,000 | -84.8% | 0.0% |
| Chicago Mortgage Solutions LLC | $135,000 | n/a | 0.0% | |
| FL. Dept. of Transportation Credit Union | $135,000 | n/a | 0.0% | |
| Financial Freedom Mortgage, LLC | $125,000 | n/a | 0.0% | |
| LOANPAL, LLC | $165,000 | $125,000 | -24.2% | 0.0% |
| SIGNATURE MORTGAGE CORPORATION | $125,000 | n/a | 0.0% | |
| Figure Lending LLC | $25,000 | $115,000 | 360.0% | 0.0% |
| GUARANTY HOME MORTGAGE CORPORATION | $445,000 | $115,000 | -74.2% | 0.0% |
| Manufacturers and Traders Trust Company | $105,000 | n/a | 0.0% | |
| PLAZA HOME MORTGAGE, INC. | $290,000 | $105,000 | -63.8% | 0.0% |
| REVERSE MORTGAGE FUNDING LLC | $135,000 | $105,000 | -22.2% | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | $105,000 | n/a | 0.0% | |
| RUOFF MORTGAGE COMPANY, INC. | $310,000 | $95,000 | -69.4% | 0.0% |
| FIRST FLORIDA Credit Union | $240,000 | $85,000 | -64.6% | 0.0% |
| SWBC MORTGAGE CORPORATION | $85,000 | n/a | 0.0% | |
| FirstBank | $175,000 | $75,000 | -57.1% | 0.0% |
| Grow Financial Federal Credit Union | $225,000 | $45,000 | -80.0% | 0.0% |
Lake City's top lender by overall market share is QUICKEN LOANS, LLC, with 11.0% market share. In second place, with 7.9%, is First Federal Bank, having originated $28,170,000 in loans. In third place, with 5.6%, is UNION HOME MORTGAGE CORP., having originated $19,995,000 in loans. In third place, with 3.6%, is CAMPUS USA, having originated $12,620,000 in loans. In third place, with 3.5%, is VYSTAR, having originated $12,465,000 in loans.
Lake City, FL Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 1,004 | $208,820,000 | $207,988 |
| Refi | 450 | $78,890,000 | $175,311 |
| Cash Out Refi | 366 | $60,080,000 | $164,153 |
| Home Improvement | 48 | $4,520,000 | $94,167 |
| Other | 32 | $2,940,000 | $91,875 |
Lake City's most frequently cited loan purpose was Home Purchase, with 1,004 originations. The 2nd most popular reason was Refi, with 450 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 3-4% | 719 | $136,195,000 | $189,423 |
| 2.5-3% | 611 | $122,235,000 | $200,057 |
| <2.5% | 236 | $45,330,000 | $192,076 |
| 4-5% | 94 | $13,570,000 | $144,362 |
| 5-6% | 81 | $12,835,000 | $158,457 |
| 6-7% | 42 | $6,200,000 | $147,619 |
| Over 8% | 37 | $4,065,000 | $109,865 |
| 7-8% | 23 | $2,645,000 | $115,000 |
During 2021, Lake City's most frequently originated rate bucket was 3-4%, with 719 originations.
Loan Sizing (Lake City, FL MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $100k-200k | 859 | $125,865,000 | $146,525 |
| $200k-400k | 658 | $175,520,000 | $266,748 |
| $100,000 or less | 319 | $21,725,000 | $68,103 |
| $400k-600k | 59 | $27,675,000 | $469,068 |
| $600k-1000k | 3 | $2,125,000 | $708,333 |
| $Over $1MM | 2 | $2,340,000 | $1,170,000 |
Lake City's loan sizing saw the bucket of loans from $100k-200k with 859 originations, totaling $125,865,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 905 | $187,365,000 | $207,033 |
| 60-80% | 524 | $101,400,000 | $193,511 |
| 40-60% | 206 | $27,980,000 | $135,825 |
| 20-40% | 96 | $7,750,000 | $80,729 |
| Under 20% | 40 | $1,620,000 | $40,500 |
| Over 100% | 29 | $7,765,000 | $267,759 |
Lake City's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 905 originations, totaling $187,365,000 in origination value.
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - Lake City (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 | $209,450 (13.3%) | $248,853 (5.6%) | 0.00 | 235 |
| 2018-02-01 | $205,000 (10.8%) | $243,608 (7.8%) | 0.00 | 229 |
| 2018-03-01 | $205,900 (8.5%) | $247,059 (9.7%) | 0.00 | 235 |
| 2018-04-01 | $210,000 (10.5%) | $258,292 (11.2%) | 0.00 | 215 |
| 2018-05-01 | $199,900 (0.2%) | $260,605 (8.1%) | 0.00 | 208 |
| 2018-06-01 | $204,000 (3.0%) | $273,787 (15.7%) | 0.00 | 206 |
| 2018-07-01 | $201,950 (3.6%) | $275,155 (19.0%) | 0.00 | 196 |
| 2018-08-01 | $207,750 (5.4%) | $263,892 (16.0%) | 0.00 | 206 |
| 2018-09-01 | $215,000 (9.1%) | $249,685 (8.8%) | 0.00 | 217 |
| 2018-10-01 | $210,950 (6.0%) | $255,556 (8.9%) | 0.00 | 210 |
| 2018-11-01 | $212,450 (6.2%) | $255,541 (7.0%) | 0.00 | 229 |
| 2018-12-01 | $209,900 (0.4%) | $258,332 (6.6%) | 0.00 | 230 |
| 2019-01-01 | $209,900 (0.2%) | $261,444 (5.1%) | 0.00 | 223 |
| 2019-02-01 | $214,900 (4.8%) | $277,835 (14.1%) | 0.00 | 229 |
| 2019-03-01 | $217,043 (5.4%) | $277,666 (12.4%) | 0.00 | 222 |
| 2019-04-01 | $219,543 (4.5%) | $273,578 (5.9%) | 0.00 | 214 |
| 2019-05-01 | $225,950 (13.0%) | $284,402 (9.1%) | 0.00 | 212 |
| 2019-06-01 | $225,000 (10.3%) | $292,086 (6.7%) | 0.00 | 200 |
| 2019-07-01 | $227,250 (12.5%) | $293,132 (6.5%) | 0.00 | 190 |
| 2019-08-01 | $225,657 (8.6%) | $291,377 (10.4%) | 0.00 | 193 |
| 2019-09-01 | $220,707 (2.7%) | $288,070 (15.4%) | 0.00 | 204 |
| 2019-10-01 | $229,400 (8.8%) | $294,627 (15.3%) | 0.00 | 209 |
| 2019-11-01 | $228,900 (7.7%) | $291,277 (14.0%) | 0.00 | 182 |
| 2019-12-01 | $229,450 (9.3%) | $286,602 (10.9%) | 0.00 | 159 |
| 2020-01-01 | $227,000 (8.2%) | $278,690 (6.6%) | 0.00 | 146 |
| 2020-02-01 | $220,000 (2.4%) | $274,614 (-1.2%) | 0.00 | 165 |
| 2020-03-01 | $219,000 (0.9%) | $246,022 (-11.4%) | 0.00 | 168 |
| 2020-04-01 | $220,000 (0.2%) | $254,369 (-7.0%) | 0.00 | 157 |
| 2020-05-01 | $239,000 (5.8%) | $269,452 (-5.3%) | 0.00 | 150 |
| 2020-06-01 | $243,450 (8.2%) | $276,032 (-5.5%) | 0.00 | 147 |
| 2020-07-01 | $242,500 (6.7%) | $288,499 (-1.6%) | 0.00 | 135 |
| 2020-08-01 | $239,900 (6.3%) | $290,546 (-0.3%) | 0.00 | 130 |
| 2020-09-01 | $242,450 (9.9%) | $288,644 (0.2%) | 0.00 | 113 |
| 2020-10-01 | $268,000 (16.8%) | $320,695 (8.9%) | 0.00 | 115 |
| 2020-11-01 | $257,500 (12.5%) | $315,361 (8.3%) | 0.00 | 113 |
| 2020-12-01 | $264,950 (15.5%) | $319,006 (11.3%) | 0.00 | 105 |
| 2021-01-01 | $255,000 (12.3%) | $314,274 (12.8%) | 0.00 | 98 |
| 2021-02-01 | $269,950 (22.7%) | $308,545 (12.4%) | 0.00 | 88 |
| 2021-03-01 | $279,900 (27.8%) | $329,382 (33.9%) | 0.00 | 83 |
| 2021-04-01 | $279,000 (26.8%) | $337,814 (32.8%) | 0.00 | 76 |
| 2021-05-01 | $299,900 (25.5%) | $356,445 (32.3%) | 0.00 | 94 |
| 2021-06-01 | $296,513 (21.8%) | $339,870 (23.1%) | 0.00 | 102 |
| 2021-07-01 | $279,900 (15.4%) | $332,490 (15.3%) | 0.00 | 120 |
| 2021-08-01 | $296,752 (23.7%) | $332,784 (14.5%) | 0.00 | 120 |
| 2021-09-01 | $299,000 (23.3%) | $342,934 (18.8%) | 0.00 | 123 |
| 2021-10-01 | $290,000 (8.2%) | $455,574 (42.1%) | 0.00 | 129 |
| 2021-11-01 | $285,000 (10.7%) | $426,237 (35.2%) | 0.00 | 128 |
| 2021-12-01 | $277,000 (4.6%) | $438,232 (37.4%) | 0.00 | 119 |
| 2022-01-01 | $274,990 (7.8%) | $466,750 (48.5%) | 0.00 | 99 |
| 2022-02-01 | $289,000 (7.1%) | $390,055 (26.4%) | 0.00 | 83 |
| 2022-03-01 | $304,990 (9.0%) | $395,741 (20.2%) | 0.00 | 90 |
| 2022-04-01 | $298,990 (7.2%) | $386,095 (14.3%) | 0.00 | 100 |
| 2022-05-01 | $299,945 (0.0%) | $386,029 (8.3%) | 0.00 | 116 |
| 2022-06-01 | $299,900 (1.1%) | $381,338 (12.2%) | 0.00 | 135 |
Lake City's median listing price comes in at 0% of the national average.
Lake City's average listing price for 2022-06-01 was $381,338, a difference of $41,468 (12.2%) versus the prior year and $-4,691 versus the prior month.
For the 2022-06-01 period, Lake City had 135 MLS listings, a difference of 19 listings (16%) versus the prior month and 33 listings (32%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Lake City (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 0 days | 1,928 sqft |
| 2018-02-01 | 0 days | 1,919 sqft |
| 2018-03-01 | 0 days | 1,987 sqft |
| 2018-04-01 | 0 days | 1,962 sqft |
| 2018-05-01 | 0 days | 1,914 sqft |
| 2018-06-01 | 0 days | 1,924 sqft |
| 2018-07-01 | 0 days | 1,938 sqft |
| 2018-08-01 | 0 days | 2,000 sqft |
| 2018-09-01 | 0 days | 1,884 sqft |
| 2018-10-01 | 0 days | 1,877 sqft |
| 2018-11-01 | 0 days | 1,932 sqft |
| 2018-12-01 | 0 days | 1,926 sqft |
| 2019-01-01 | 0 days | 1,916 sqft |
| 2019-02-01 | 0 days | 1,980 sqft |
| 2019-03-01 | 0 days | 1,979 sqft |
| 2019-04-01 | 0 days | 1,993 sqft |
| 2019-05-01 | 0 days | 2,080 sqft |
| 2019-06-01 | 0 days | 2,088 sqft |
| 2019-07-01 | 0 days | 2,097 sqft |
| 2019-08-01 | 0 days | 2,021 sqft |
| 2019-09-01 | 0 days | 1,933 sqft |
| 2019-10-01 | 0 days | 1,987 sqft |
| 2019-11-01 | 0 days | 1,985 sqft |
| 2019-12-01 | 0 days | 1,996 sqft |
| 2020-01-01 | 0 days | 1,874 sqft |
| 2020-02-01 | 0 days | 1,894 sqft |
| 2020-03-01 | 0 days | 1,851 sqft |
| 2020-04-01 | 0 days | 1,879 sqft |
| 2020-05-01 | 0 days | 1,848 sqft |
| 2020-06-01 | 0 days | 1,876 sqft |
| 2020-07-01 | 0 days | 1,893 sqft |
| 2020-08-01 | 0 days | 1,914 sqft |
| 2020-09-01 | 0 days | 1,932 sqft |
| 2020-10-01 | 0 days | 1,960 sqft |
| 2020-11-01 | 0 days | 1,935 sqft |
| 2020-12-01 | 0 days | 1,940 sqft |
| 2021-01-01 | 0 days | 1,867 sqft |
| 2021-02-01 | 0 days | 1,804 sqft |
| 2021-03-01 | 0 days | 1,913 sqft |
| 2021-04-01 | 0 days | 1,781 sqft |
| 2021-05-01 | 0 days | 2,048 sqft |
| 2021-06-01 | 0 days | 1,932 sqft |
| 2021-07-01 | 0 days | 1,810 sqft |
| 2021-08-01 | 0 days | 1,864 sqft |
| 2021-09-01 | 0 days | 1,944 sqft |
| 2021-10-01 | 0 days | 1,958 sqft |
| 2021-11-01 | 0 days | 1,890 sqft |
| 2021-12-01 | 0 days | 1,973 sqft |
| 2022-01-01 | 0 days | 1,878 sqft |
| 2022-02-01 | 0 days | 1,860 sqft |
| 2022-03-01 | 0 days | 1,906 sqft |
| 2022-04-01 | 0 days | 1,818 sqft |
| 2022-05-01 | 0 days | 1,794 sqft |
| 2022-06-01 | 0 days | 1,818 sqft |
Lake City's median square footage for active listings during the 2022-06-01 period was 1,818 sqft. One year prior, the average listing was 1,932 sqft.
