PANAMA CITY Mortgage Rates & Closing Costs
30yr Fixed Rate
15yr Fixed Rate
FHA
USDA
VA
5/1 ARM
30 Year Fixed Rate mortgages in Panama City averaged
7.33%
for the week of 2025-05-22, compared to the national average of
6.86% for the same period.
The average rate for the prior week (2025-05-15) was
6.88% and
one month ago for the week of 2025-04-17, the
average rate was 7.3%.
Panama City's average rate one year ago was 7.09%.
For refis of the same type during the week of 2025-05-22, the average rate
was 7.02%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-05-22 | 6.86% |
| Panama City 30 Year Fixed Rate | 2025-05-22 | 7.33% |
| Panama City 30 Year Fixed Rate Refi | 2025-05-22 | 7.02% |
| Panama City 15 Year Fixed Rate | 2025-05-22 | 6.56% |
| Panama City 15 Year Fixed Rate Refi | 2025-05-22 | 6.01% |
| Panama City 30 Year FHA | 2025-05-22 | 6.08% |
| Panama City 30 Year FHA Refi | 2025-05-22 | 6.81% |
| Panama City 30 Year USDA | 2025-05-22 | 6.23% |
| Panama City 30 Year USDA Refi | 2025-05-22 | 6.63% |
| Panama City 30 Year VA | 2025-05-22 | 6.04% |
| Panama City 30 Year VA Refi | 2025-05-22 | 6.04% |
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within PANAMA CITY, FL.
PANAMA CITY 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 PANAMA 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.).
PANAMA CITY Average Closing Costs & Other Stats
PANAMA CITY, FL's 236 lenders originated 5,605
loans during 2024. The total origination value was $2,186,615,000, with an average loan value of
$390,119.
PANAMA CITY's average closing costs are $6,588.
The top PANAMA CITY lender as defined by loan originations is QUICKEN LOANS, LLC, with
145 loans originated. Their average total fees are
$8,251, which is $5,095
higher than the next largest lender,
DHI MORTGAGE COMPANY, LTD..
The lowest fee PANAMA CITY lenders (with over 10 loans originated) are
DHI MORTGAGE COMPANY, LTD. ($3,156), VICTORY MORTGAGE, L.L.C. ($4,527), Capital City Home Loans, LLC ($5,680), Truist ($5,872) and Centennial Bank ($5,888).
The lowest rate PANAMA CITY lenders (with over 10 loans originated) are
DHI MORTGAGE COMPANY, LTD. (5.82%), VICTORY MORTGAGE, L.L.C. (6.39%), Tyndall Federal Credit Union (6.42%), NAVY FEDERAL CREDIT UNION (6.47%) and Wells Fargo Bank (6.54%).
PANAMA CITY, FL 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 |
|---|---|---|---|---|
| JONES LANG LASALLE MULTIFAMILY, LLC | $179,545,000 | $357,730,000 | 99.2% | 16.4% |
| DHI MORTGAGE COMPANY, LTD. | $153,355,000 | $168,730,000 | 10.0% | 7.7% |
| UNITED WHOLESALE MORTGAGE, LLC | $100,480,000 | $126,440,000 | 25.8% | 5.8% |
| QUICKEN LOANS, LLC | $75,805,000 | $86,495,000 | 14.1% | 4.0% |
| WALKER & DUNLOP, LLC | $20,460,000 | $81,050,000 | 296.1% | 3.7% |
| CBRE MULTIFAMILY CAPITAL, INC. | $69,800,000 | n/a | 3.2% | |
| Tyndall Federal Credit Union | $57,060,000 | $57,760,000 | 1.2% | 2.6% |
| Trustmark National Bank | $62,670,000 | $54,285,000 | -13.4% | 2.5% |
| Wells Fargo Bank | $54,390,000 | $40,205,000 | -26.1% | 1.8% |
| Centennial Bank | $37,630,000 | $38,100,000 | 1.2% | 1.7% |
| Mortgage Research Center, LLC | $33,460,000 | $37,340,000 | 11.6% | 1.7% |
| Regions Bank | $55,915,000 | $36,750,000 | -34.3% | 1.7% |
| FBC MORTGAGE, LLC | $31,965,000 | $35,135,000 | 9.9% | 1.6% |
| Innovations Federal Credit Union | $20,865,000 | $32,045,000 | 53.6% | 1.5% |
| NAVY FEDERAL CREDIT UNION | $29,475,000 | $31,415,000 | 6.6% | 1.4% |
| Barings Multifamily Capital | $27,345,000 | n/a | 1.3% | |
| CROSSCOUNTRY MORTGAGE, LLC | $23,410,000 | $26,270,000 | 12.2% | 1.2% |
| BankSouth | $1,175,000 | $23,765,000 | 1,922.6% | 1.1% |
| NEWREZ LLC | $12,730,000 | $22,340,000 | 75.5% | 1.0% |
| LENDSURE MORTGAGE CORP. | $21,765,000 | $21,390,000 | -1.7% | 1.0% |
| Community Bank of Mississippi | $19,050,000 | $20,000,000 | 5.0% | 0.9% |
| GUILD MORTGAGE COMPANY | $605,000 | $19,820,000 | 3,176.0% | 0.9% |
| BancorpSouth | $30,425,000 | $19,175,000 | -37.0% | 0.9% |
| CARDINAL FINANCIAL | $34,915,000 | $19,075,000 | -45.4% | 0.9% |
| FREEDOM MORTGAGE CORPORATION | $8,495,000 | $18,875,000 | 122.2% | 0.9% |
| Northpointe Bank | $29,345,000 | $17,720,000 | -39.6% | 0.8% |
| CMG MORTGAGE, INC. | $9,295,000 | $16,915,000 | 82.0% | 0.8% |
| BROKER SOLUTIONS, INC. | $24,080,000 | $15,610,000 | -35.2% | 0.7% |
| MOVEMENT MORTGAGE, LLC | $19,635,000 | $13,085,000 | -33.4% | 0.6% |
| USAA Federal Savings Bank | $9,575,000 | $10,955,000 | 14.4% | 0.5% |
| VICTORY MORTGAGE, L.L.C. | $10,615,000 | n/a | 0.5% | |
| DEEPHAVEN MORTGAGE LLC | $7,640,000 | $10,610,000 | 38.9% | 0.5% |
| LOANDEPOT.COM, LLC | $14,455,000 | $10,510,000 | -27.3% | 0.5% |
| PENNYMAC LOAN SERVICES, LLC | $10,040,000 | $10,425,000 | 3.8% | 0.5% |
| Truist | $10,560,000 | $9,555,000 | -9.5% | 0.4% |
| BankPlus | $17,715,000 | $8,400,000 | -52.6% | 0.4% |
| Ameris Bank | $11,165,000 | $8,045,000 | -27.9% | 0.4% |
| HOMEXPRESS MORTGAGE CORP. | $3,040,000 | $7,955,000 | 161.7% | 0.4% |
| First Federal Bank | $8,800,000 | $7,950,000 | -9.7% | 0.4% |
| 21ST MORTGAGE CORPORATION | $8,295,000 | $7,925,000 | -4.5% | 0.4% |
| GUARANTEED RATE AFFINITY, LLC | $3,940,000 | $7,490,000 | 90.1% | 0.3% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $2,600,000 | $7,340,000 | 182.3% | 0.3% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $15,580,000 | $7,025,000 | -54.9% | 0.3% |
| Equity Prime Mortgage LLC | $4,530,000 | $6,970,000 | 53.9% | 0.3% |
| GUARANTEED RATE, INC. | $12,825,000 | $6,840,000 | -46.7% | 0.3% |
| Mr. Cooper ( Nationstar Mortgage ) | $4,680,000 | $6,600,000 | 41.0% | 0.3% |
| American Mortgage Bank, LLC | $265,000 | $6,495,000 | 2,350.9% | 0.3% |
| The First, A National Banking Association | $2,565,000 | $6,355,000 | 147.8% | 0.3% |
| Flagstar Bank, FSB | $1,985,000 | $6,255,000 | 215.1% | 0.3% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $6,120,000 | $5,960,000 | -2.6% | 0.3% |
| Hancock Whitney Bank | $57,175,000 | $5,770,000 | -89.9% | 0.3% |
| U.S. Bank | $3,675,000 | $5,685,000 | 54.7% | 0.3% |
| Citizens Bank | $6,465,000 | $5,675,000 | -12.2% | 0.3% |
| Bank of America | $7,870,000 | $5,550,000 | -29.5% | 0.3% |
| Synovus Bank | $4,370,000 | $5,475,000 | 25.3% | 0.3% |
| TEMPLE VIEW CAPITAL FUNDING, LP | $225,000 | $5,470,000 | 2,331.1% | 0.3% |
| Bank of England | $8,630,000 | $5,345,000 | -38.1% | 0.2% |
| PeoplesSouth Bank | $12,845,000 | $5,330,000 | -58.5% | 0.2% |
| SmartBank | $9,880,000 | $5,095,000 | -48.4% | 0.2% |
| Commerce Home Mortgage, Inc. | $1,270,000 | $5,015,000 | 294.9% | 0.2% |
| AMERICAN HERITAGE LENDING, INC. | $2,025,000 | $4,880,000 | 141.0% | 0.2% |
| Renasant Bank | $6,120,000 | $4,865,000 | -20.5% | 0.2% |
| Capital City Home Loans, LLC | $11,770,000 | $4,855,000 | -58.8% | 0.2% |
| T2 FINANCIAL LLC | $4,765,000 | n/a | 0.2% | |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | $955,000 | $4,670,000 | 389.0% | 0.2% |
| NFM, INC. | $2,695,000 | $4,585,000 | 70.1% | 0.2% |
| VYSTAR | $2,795,000 | $4,580,000 | 63.9% | 0.2% |
| OCMBC, INC. | $4,575,000 | $4,575,000 | 0.0% | 0.2% |
| VILLAGE CAPITAL MORTGAGE | $945,000 | $4,540,000 | 380.4% | 0.2% |
| EVERETT FINANCIAL, INC. | $710,000 | $4,505,000 | 534.5% | 0.2% |
| River Bank & Trust | $3,490,000 | $4,410,000 | 26.4% | 0.2% |
| The Loan Store, Inc. | $105,000 | $4,400,000 | 4,090.5% | 0.2% |
| FIRST COLONY MORTGAGE CORPORATION | $520,000 | $4,280,000 | 723.1% | 0.2% |
| A&D Mortgage LLC | $7,960,000 | $4,080,000 | -48.7% | 0.2% |
| LAKEVIEW LOAN SERVICING, LLC | $930,000 | $4,035,000 | 333.9% | 0.2% |
| Century Mortgage Company DBA Century Lending Company | $3,015,000 | $4,030,000 | 33.7% | 0.2% |
| Citadel Servicing Corporation | $3,955,000 | $3,900,000 | -1.4% | 0.2% |
| UBS Bank USA | $435,000 | $3,720,000 | 755.2% | 0.2% |
| NBKC BANK | $3,180,000 | $3,560,000 | 11.9% | 0.2% |
| Fifth Third Bank | $5,745,000 | $3,475,000 | -39.5% | 0.2% |
| SUCCESS MORTGAGE PARTNERS, INC. | $2,635,000 | $3,430,000 | 30.2% | 0.2% |
| Paramount Residential Mortgage Group, Inc. | $2,725,000 | $3,400,000 | 24.8% | 0.2% |
| ServisFirst Bank | $4,675,000 | $3,370,000 | -27.9% | 0.2% |
| MORTGAGE INVESTORS GROUP, INC. | $4,970,000 | $3,315,000 | -33.3% | 0.2% |
| LENDINGHOME FUNDING CORPORATION | $8,010,000 | $3,255,000 | -59.4% | 0.1% |
| POINT Mortgage | $3,375,000 | $3,230,000 | -4.3% | 0.1% |
| THE MORTGAGE FIRM, INC. | $4,160,000 | $3,185,000 | -23.4% | 0.1% |
| Magnolia Bank | $305,000 | $3,050,000 | 900.0% | 0.1% |
| United Community Bank | $16,355,000 | $3,045,000 | -81.4% | 0.1% |
| PENTAGON FEDERAL CREDIT UNION | $2,795,000 | $3,040,000 | 8.8% | 0.1% |
| Raymond James Bank | $3,405,000 | $3,040,000 | -10.7% | 0.1% |
| Waterstone Mortgage Corporation | $1,180,000 | $3,000,000 | 154.2% | 0.1% |
| Figure Lending LLC | $1,370,000 | $2,990,000 | 118.2% | 0.1% |
| JPMorgan Chase Bank | $5,740,000 | $2,985,000 | -48.0% | 0.1% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $5,280,000 | $2,970,000 | -43.8% | 0.1% |
| ENVOY MORTGAGE, LTD | $490,000 | $2,925,000 | 496.9% | 0.1% |
| PNC Bank | $4,595,000 | $2,895,000 | -37.0% | 0.1% |
| First State Bank of Blakely, Inc. | $445,000 | $2,850,000 | 540.4% | 0.1% |
| ZILLOW HOME LOANS, LLC | $1,685,000 | $2,845,000 | 68.8% | 0.1% |
| Morgan Stanley Private Bank | $3,670,000 | $2,755,000 | -24.9% | 0.1% |
| Logan Finance Corporation | $2,345,000 | $2,660,000 | 13.4% | 0.1% |
| UNION HOME MORTGAGE CORP. | $1,210,000 | $2,630,000 | 117.4% | 0.1% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $3,640,000 | $2,530,000 | -30.5% | 0.1% |
| Old Missouri Bank | $2,500,000 | n/a | 0.1% | |
| BETTER MORTGAGE CORPORATION | $1,955,000 | $2,470,000 | 26.3% | 0.1% |
| The Huntington National Bank | $2,430,000 | $2,455,000 | 1.0% | 0.1% |
| FIRST COMMERCE CREDIT UNION | $2,685,000 | $2,450,000 | -8.8% | 0.1% |
| FirstBank | $4,020,000 | $2,425,000 | -39.7% | 0.1% |
| Hometown Equity Mortgage, LLC | $830,000 | $2,415,000 | 191.0% | 0.1% |
| JMAC LENDING, INC. | $925,000 | $2,400,000 | 159.5% | 0.1% |
| SWBC MORTGAGE CORPORATION | $3,280,000 | $2,400,000 | -26.8% | 0.1% |
| Plains Commerce Bank | $2,255,000 | $2,390,000 | 6.0% | 0.1% |
| SeaTrust Mortgage Company | $2,340,000 | n/a | 0.1% | |
| PLANET HOME LENDING, LLC | $1,800,000 | $2,335,000 | 29.7% | 0.1% |
| HOMESIDE FINANCIAL, LLC | $695,000 | $2,275,000 | 227.3% | 0.1% |
| TOWNE MORTGAGE COMPANY | $875,000 | $2,275,000 | 160.0% | 0.1% |
| FOUNDATION MORTGAGE CORPORATION | $640,000 | $2,270,000 | 254.7% | 0.1% |
| Pinnacle Bank | $6,560,000 | $2,255,000 | -65.6% | 0.1% |
| EMM LOANS LLC | $1,050,000 | $2,205,000 | 110.0% | 0.1% |
| Stifel Bank and Trust | $915,000 | $2,195,000 | 139.9% | 0.1% |
| NexBank | $3,695,000 | $2,110,000 | -42.9% | 0.1% |
| PLAZA HOME MORTGAGE, INC. | $6,045,000 | $2,075,000 | -65.7% | 0.1% |
| University Bank | $1,000,000 | $2,075,000 | 107.5% | 0.1% |
| NEW DAY FINANCIAL, LLC | $3,930,000 | $2,065,000 | -47.5% | 0.1% |
| Community First National Bank | $2,015,000 | n/a | 0.1% | |
| AMERICAN FINANCIAL NETWORK, INC. | $2,940,000 | $2,005,000 | -31.8% | 0.1% |
| The Federal Savings Bank | $1,760,000 | $1,990,000 | 13.1% | 0.1% |
| Citibank | $1,935,000 | n/a | 0.1% | |
| Capital City Bank | $1,210,000 | $1,895,000 | 56.6% | 0.1% |
| Troy Bank and Trust Company | $2,040,000 | $1,880,000 | -7.8% | 0.1% |
| WINGS FINANCIAL | $830,000 | $1,820,000 | 119.3% | 0.1% |
| LENDINGONE, LLC | $260,000 | $1,800,000 | 592.3% | 0.1% |
| Arvest Bank | $940,000 | $1,785,000 | 89.9% | 0.1% |
| Carrington Mortgage Services, LLC | $2,025,000 | $1,780,000 | -12.1% | 0.1% |
| South State Bank | $1,610,000 | $1,745,000 | 8.4% | 0.1% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $4,725,000 | $1,725,000 | -63.5% | 0.1% |
| Discover Bank | $1,255,000 | $1,700,000 | 35.5% | 0.1% |
| ARC HOME LLC | $725,000 | $1,675,000 | 131.0% | 0.1% |
| FINANCE OF AMERICA REVERSE LLC | $1,320,000 | $1,670,000 | 26.5% | 0.1% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $5,455,000 | $1,640,000 | -69.9% | 0.1% |
| DAS Acquisition Company, LLC | $770,000 | $1,630,000 | 111.7% | 0.1% |
| Barrington Bank & Trust Company, N.A. | $1,165,000 | $1,625,000 | 39.5% | 0.1% |
| NEXERA HOLDING LLC | $1,985,000 | $1,615,000 | -18.6% | 0.1% |
| SUN WEST MORTGAGE COMPANY, INC. | $705,000 | $1,590,000 | 125.5% | 0.1% |
| ALL IN | $6,265,000 | $1,560,000 | -75.1% | 0.1% |
| Old National Bank | $1,130,000 | $1,535,000 | 35.8% | 0.1% |
| MID AMERICA MORTGAGE, INC. | $1,590,000 | $1,485,000 | -6.6% | 0.1% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | $740,000 | $1,475,000 | 99.3% | 0.1% |
| East Coast Capital Corp. | $1,460,000 | n/a | 0.1% | |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $2,610,000 | $1,435,000 | -45.0% | 0.1% |
| COREVEST AMERICAN FINANCE LENDER LLC | $1,435,000 | n/a | 0.1% | |
| UIF CORPORATION | $1,400,000 | n/a | 0.1% | |
| Lakeview Community Capital, LLC | $665,000 | $1,390,000 | 109.0% | 0.1% |
| Prosperity Home Mortgage, LLC | $1,995,000 | $1,390,000 | -30.3% | 0.1% |
| SOUTHWEST STAGE FUNDING, LLC | $2,430,000 | $1,370,000 | -43.6% | 0.1% |
| LIMA ONE CAPITAL, LLC | $940,000 | $1,360,000 | 44.7% | 0.1% |
| Goldwater Bank, N.A. | $285,000 | $1,350,000 | 373.7% | 0.1% |
| Five Star Credit Union | $425,000 | $1,340,000 | 215.3% | 0.1% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | $305,000 | $1,330,000 | 336.1% | 0.1% |
| AMERISAVE MORTGAGE CORPORATION | $4,345,000 | $1,290,000 | -70.3% | 0.1% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | $515,000 | $1,275,000 | 147.6% | 0.1% |
| Armed Forces Bank | $1,340,000 | $1,250,000 | -6.7% | 0.1% |
| AMWEST FUNDING CORP. | $565,000 | $1,245,000 | 120.4% | 0.1% |
| NP, Inc. | $1,020,000 | $1,230,000 | 20.6% | 0.1% |
| Victorian Finance, LLC | $1,215,000 | n/a | 0.1% | |
| Commercial Banking Company | $885,000 | $1,205,000 | 36.2% | 0.1% |
| Relyance Bank | $1,195,000 | n/a | 0.1% | |
| SouthPoint Bank | $5,300,000 | $1,195,000 | -77.5% | 0.1% |
| STOCKTON MORTGAGE CORPORATION | $1,140,000 | $1,185,000 | 3.9% | 0.1% |
| AMERICAN FINANCIAL RESOURCES, INC. | $165,000 | $1,145,000 | 593.9% | 0.1% |
| MORTGAGE ONE OF THE SOUTH, INC. | $930,000 | $1,135,000 | 22.0% | 0.1% |
| First Horizon Bank | $4,155,000 | $1,125,000 | -72.9% | 0.1% |
| SouthEast Bank | $1,125,000 | n/a | 0.1% | |
| 1ST SIGNATURE LENDING, LLC | $1,410,000 | $1,115,000 | -20.9% | 0.1% |
| TD Bank | $2,560,000 | $1,110,000 | -56.6% | 0.1% |
| CANOPY MORTGAGE, LLC | $1,075,000 | n/a | 0.0% | |
| Third Coast Bank SSB | $1,075,000 | n/a | 0.0% | |
| CALCON MUTUAL MORTGAGE LLC | $215,000 | $1,060,000 | 393.0% | 0.0% |
| S1L, Inc. | $1,060,000 | n/a | 0.0% | |
| Farmers Bank & Trust | $1,055,000 | n/a | 0.0% | |
| Performance Financial, Inc. | $1,055,000 | n/a | 0.0% | |
| FIRST STATE MORTGAGE SERVICES, LLC | $325,000 | $1,050,000 | 223.1% | 0.0% |
| Georgia Community Bank | $560,000 | $1,030,000 | 83.9% | 0.0% |
| American Mortgage & Equity Consultants, Inc. | $585,000 | $1,025,000 | 75.2% | 0.0% |
| Montgomery Bank | $995,000 | n/a | 0.0% | |
| Coastal Community Bank | $590,000 | $990,000 | 67.8% | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $2,070,000 | $980,000 | -52.7% | 0.0% |
| Colony Bank | $510,000 | $960,000 | 88.2% | 0.0% |
| GMFS LLC | $175,000 | $955,000 | 445.7% | 0.0% |
| First Option Mortgage, LLC | $205,000 | $925,000 | 351.2% | 0.0% |
| First National Bank of Pennsylvania | $675,000 | $920,000 | 36.3% | 0.0% |
| Ixonia Bank | $905,000 | n/a | 0.0% | |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $745,000 | $905,000 | 21.5% | 0.0% |
| BAY EQUITY LLC | $725,000 | $900,000 | 24.1% | 0.0% |
| First Citizens National Bank | $780,000 | $900,000 | 15.4% | 0.0% |
| MidSouth Bank | $2,630,000 | $900,000 | -65.8% | 0.0% |
| Mortgage Lenders Investment Trading Corporation | $205,000 | $900,000 | 339.0% | 0.0% |
| RUOFF MORTGAGE COMPANY, INC. | $835,000 | $895,000 | 7.2% | 0.0% |
| HNB First Bank | $85,000 | $880,000 | 935.3% | 0.0% |
| ALLIANT CREDIT UNION | $420,000 | $865,000 | 106.0% | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | $1,795,000 | $865,000 | -51.8% | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION | $860,000 | n/a | 0.0% | |
| Keystone Funding, Inc. | $255,000 | $820,000 | 221.6% | 0.0% |
| NOVA FINANCIAL & INVESTMENT CORPORATION | $1,690,000 | $810,000 | -52.1% | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | $1,190,000 | $810,000 | -31.9% | 0.0% |
| INSPIRE HOME LOANS INC. | $1,875,000 | $805,000 | -57.1% | 0.0% |
| LAKE MICHIGAN CREDIT UNION | $1,470,000 | $805,000 | -45.2% | 0.0% |
| ATLANTA POSTAL | $800,000 | n/a | 0.0% | |
| FCB Banks | $265,000 | $790,000 | 198.1% | 0.0% |
| NMSI, INC. | $770,000 | n/a | 0.0% | |
| Metro Bank | $765,000 | n/a | 0.0% | |
| RANLIFE, INC. | $765,000 | n/a | 0.0% | |
| FIDELITY BANK | $760,000 | n/a | 0.0% | |
| The Piedmont Bank | $760,000 | n/a | 0.0% | |
| GEO-CORP, INC. | $740,000 | n/a | 0.0% | |
| Seacoast National Bank | $730,000 | n/a | 0.0% | |
| The Ohio Valley Bank Company | $705,000 | n/a | 0.0% | |
| VAN DYK MORTGAGE CORPORATION | $380,000 | $705,000 | 85.5% | 0.0% |
| Prime Meridian Bank | $690,000 | n/a | 0.0% | |
| Gulf Winds Credit Union | $45,000 | $675,000 | 1,400.0% | 0.0% |
| DELMAR FINANCIAL COMPANY | $255,000 | $670,000 | 162.7% | 0.0% |
| First Heritage Mortgage, LLC | $670,000 | n/a | 0.0% | |
| BANKSOUTH MORTGAGE COMPANY, LLC | $840,000 | $665,000 | -20.8% | 0.0% |
| BNY Mellon | $845,000 | $655,000 | -22.5% | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | $840,000 | $655,000 | -22.0% | 0.0% |
| Ally Bank | $635,000 | $650,000 | 2.4% | 0.0% |
| PREMIA MORTGAGE, LLC | $650,000 | n/a | 0.0% | |
| Johnson Bank | $635,000 | n/a | 0.0% | |
| CITIZENS EQUITY FIRST | $185,000 | $630,000 | 240.5% | 0.0% |
| EVANSVILLE TEACHERS | $6,110,000 | $630,000 | -89.7% | 0.0% |
| The Samson Banking Company, Inc. | $630,000 | n/a | 0.0% | |
| VAL-CHRIS INVESTMENTS, INC. | $125,000 | $630,000 | 404.0% | 0.0% |
| SOUTHEAST FIRST NATIONAL BANK | $95,000 | $615,000 | 547.4% | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | $595,000 | n/a | 0.0% | |
| HOMESPIRE MORTGAGE CORPORATION | $315,000 | $590,000 | 87.3% | 0.0% |
| United Community Bank | $16,355,000 | $585,000 | -96.4% | 0.0% |
| Mid-Continent Funding, Inc. | $325,000 | $580,000 | 78.5% | 0.0% |
| Sunflower Bank | $545,000 | $575,000 | 5.5% | 0.0% |
| Community South Credit Union | $465,000 | $570,000 | 22.6% | 0.0% |
| Focus Bank | $565,000 | n/a | 0.0% | |
| Phenix-Girard Bank | $555,000 | n/a | 0.0% | |
| The Central Trust Bank | $1,310,000 | $550,000 | -58.0% | 0.0% |
| Gateway First Bank | $1,165,000 | $545,000 | -53.2% | 0.0% |
| MidWestOne Bank | $545,000 | n/a | 0.0% | |
| MORTGAGEONE, INC. | $225,000 | $545,000 | 142.2% | 0.0% |
| Carrollton Bank | $525,000 | n/a | 0.0% | |
| PHH Mortgage Corporation | $675,000 | $525,000 | -22.2% | 0.0% |
| EUSTIS AND AMERICAN MORTGAGE COMPANY | $1,330,000 | $520,000 | -60.9% | 0.0% |
| BankFirst | $515,000 | n/a | 0.0% | |
| Veritex Community Bank | $1,195,000 | $505,000 | -57.7% | 0.0% |
| Southern States Bank | $345,000 | $500,000 | 44.9% | 0.0% |
| ACOPIA, LLC | $495,000 | n/a | 0.0% | |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $1,160,000 | $495,000 | -57.3% | 0.0% |
| AmeriHome Mortgage Company, LLC | $355,000 | $490,000 | 38.0% | 0.0% |
| Atlantic Coast Mortgage, LLC | $490,000 | n/a | 0.0% | |
| Peoples Bank | $490,000 | n/a | 0.0% | |
| Exchange Bank | $485,000 | n/a | 0.0% | |
| GEORGIA'S OWN | $485,000 | n/a | 0.0% | |
| USF Federal Credit Union | $485,000 | n/a | 0.0% | |
| Loan Simple, Inc. | $345,000 | $465,000 | 34.8% | 0.0% |
| Commerce Bank | $345,000 | $455,000 | 31.9% | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | $325,000 | $455,000 | 40.0% | 0.0% |
| SOUTHEASTERN Credit Union | $455,000 | n/a | 0.0% | |
| Truity Federal Credit Union | $455,000 | n/a | 0.0% | |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | $435,000 | n/a | 0.0% | |
| UNIVERSAL MORTGAGE & FINANCE, INC. | $1,980,000 | $435,000 | -78.0% | 0.0% |
| DELTA COMMUNITY CREDIT UNION | $35,000 | $430,000 | 1,128.6% | 0.0% |
| Cornerstone First Mortgage, Inc | $245,000 | $425,000 | 73.5% | 0.0% |
| Assurance Financial Group, L.L.C. | $460,000 | $415,000 | -9.8% | 0.0% |
| First State Bank of St. Charles, Missouri | $385,000 | $415,000 | 7.8% | 0.0% |
| Dollar Bank, Federal Savings Bank | $405,000 | n/a | 0.0% | |
| First National Community Bank | $405,000 | n/a | 0.0% | |
| NATIONWIDE MORTGAGE BANKERS, INC. | $665,000 | $405,000 | -39.1% | 0.0% |
| SUMMIT FUNDING, INC. | $1,365,000 | $405,000 | -70.3% | 0.0% |
| The Citizens National Bank of Quitman | $335,000 | $405,000 | 20.9% | 0.0% |
| KeyBank | $410,000 | $395,000 | -3.7% | 0.0% |
| VERITAS FUNDING, LLC | $315,000 | $395,000 | 25.4% | 0.0% |
| LOANPAL, LLC | $675,000 | $390,000 | -42.2% | 0.0% |
| North American Savings Bank, F.S.B. | $365,000 | $390,000 | 6.8% | 0.0% |
| US MORTGAGE CORPORATION | $390,000 | n/a | 0.0% | |
| Bank OZK | $425,000 | $385,000 | -9.4% | 0.0% |
| COMMUNITY MORTGAGE, LLC | $385,000 | n/a | 0.0% | |
| HOMELAND BANCSHARES | $345,000 | $385,000 | 11.6% | 0.0% |
| INTERLINC MORTGAGE SERVICES, LLC | $295,000 | $385,000 | 30.5% | 0.0% |
| Republic Bank & Trust Company | $565,000 | $385,000 | -31.9% | 0.0% |
| The Citizens National Bank of Meridian | $380,000 | n/a | 0.0% | |
| Bryant Bank | $375,000 | n/a | 0.0% | |
| Flint Community Bank | $1,250,000 | $370,000 | -70.4% | 0.0% |
| Bethpage Federal Credit Union | $230,000 | $365,000 | 58.7% | 0.0% |
| NEW WAVE LENDING GROUP INC | $365,000 | n/a | 0.0% | |
| Residential Mortgage Solutions, Inc. | $365,000 | $365,000 | 0.0% | 0.0% |
| Simmons Bank | $615,000 | $365,000 | -40.7% | 0.0% |
| Nations Lending Corporation | $4,250,000 | $360,000 | -91.5% | 0.0% |
| CNB Bank | $495,000 | $355,000 | -28.3% | 0.0% |
| HOMESTEAD FUNDING CORP. | $355,000 | n/a | 0.0% | |
| Legends Bank | $355,000 | n/a | 0.0% | |
| Union Savings Bank | $740,000 | $350,000 | -52.7% | 0.0% |
| Allied First Bank,sb | $135,000 | $345,000 | 155.6% | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | $345,000 | n/a | 0.0% | |
| DUPACO COMMUNITY | $345,000 | n/a | 0.0% | |
| INB | $345,000 | n/a | 0.0% | |
| NJ LENDERS CORP. | $235,000 | $345,000 | 46.8% | 0.0% |
| Texana Bank | $345,000 | n/a | 0.0% | |
| AIR ACADEMY | $335,000 | n/a | 0.0% | |
| AMERICAN FINANCING CORPORATION | $1,105,000 | $335,000 | -69.7% | 0.0% |
| Associated Credit Union | $115,000 | $335,000 | 191.3% | 0.0% |
| INTERCOASTAL MORTGAGE COMPANY | $365,000 | $335,000 | -8.2% | 0.0% |
| V.I.P. MORTGAGE, INC. | $295,000 | $335,000 | 13.6% | 0.0% |
| GENEVA FINANCIAL, LLC | $1,985,000 | $330,000 | -83.4% | 0.0% |
| Atlantic Union Bank | $325,000 | n/a | 0.0% | |
| NATIONS RELIABLE LENDING, LLC | $325,000 | n/a | 0.0% | |
| Vista Bank | $325,000 | n/a | 0.0% | |
| Guardian Savings Bank, A Federal Savings Bank | $315,000 | n/a | 0.0% | |
| Presidential Bank, FSB | $315,000 | n/a | 0.0% | |
| TOGETHER CREDIT UNION | $315,000 | n/a | 0.0% | |
| CSL Financial, LLC | $310,000 | n/a | 0.0% | |
| 1ST FINANCIAL, INC. | $305,000 | n/a | 0.0% | |
| Encompass Lending Group, LP | $305,000 | n/a | 0.0% | |
| NETWORK CAPITAL FUNDING CORPORATION | $305,000 | $305,000 | 0.0% | 0.0% |
| NORTHERN MORTGAGE SERVICES, LLC | $305,000 | n/a | 0.0% | |
| POLICE & FIRE | $265,000 | $305,000 | 15.1% | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | $645,000 | $305,000 | -52.7% | 0.0% |
| ALL REVERSE MORTGAGE, INC. | $295,000 | n/a | 0.0% | |
| CRANE | $295,000 | n/a | 0.0% | |
| FIRST COMMUNITY MORTGAGE, INC. | $640,000 | $295,000 | -53.9% | 0.0% |
| ITHINK FINANCIAL Credit Union | $330,000 | $295,000 | -10.6% | 0.0% |
| Prosperity Bank | $295,000 | n/a | 0.0% | |
| First Citizens Bank | $290,000 | n/a | 0.0% | |
| Suncoast Credit Union | $290,000 | n/a | 0.0% | |
| AmRes Corporation | $285,000 | n/a | 0.0% | |
| AuburnBank | $285,000 | n/a | 0.0% | |
| CLEARPATH LENDING | $255,000 | $285,000 | 11.8% | 0.0% |
| Financial Funding Solutions, Inc. | $405,000 | $285,000 | -29.6% | 0.0% |
| Legacy Home Loans, LLC | $375,000 | $285,000 | -24.0% | 0.0% |
| MORIA DEVELOPMENT, INC. | $285,000 | n/a | 0.0% | |
| OPEN MORTGAGE, LLC | $5,510,000 | $285,000 | -94.8% | 0.0% |
| SPRING EQ, LLC | $320,000 | $285,000 | -10.9% | 0.0% |
| United Nations Federal Credit Union | $285,000 | n/a | 0.0% | |
| WesBanco | $285,000 | n/a | 0.0% | |
| Alcova Mortgage LLC | $205,000 | $275,000 | 34.1% | 0.0% |
| AVADIAN | $275,000 | n/a | 0.0% | |
| CAPITAL CENTER, L.L.C. | $275,000 | n/a | 0.0% | |
| Dieterich Bank | $275,000 | n/a | 0.0% | |
| PANORAMA MORTGAGE GROUP, LLC | $235,000 | $275,000 | 17.0% | 0.0% |
| TBI MORTGAGE COMPANY | $275,000 | n/a | 0.0% | |
| First Peoples Bank | $265,000 | n/a | 0.0% | |
| First Savings Bank | $750,000 | $265,000 | -64.7% | 0.0% |
| SunMark Community Bank | $265,000 | n/a | 0.0% | |
| TJC Mortgage, Inc. | $325,000 | $265,000 | -18.5% | 0.0% |
| Baxter Credit Union | $255,000 | n/a | 0.0% | |
| GARDNER FINANCIAL SERVICES, LTD. | $490,000 | $255,000 | -48.0% | 0.0% |
| GEORGIA UNITED | $425,000 | $255,000 | -40.0% | 0.0% |
| APCO EMPLOYEES | $245,000 | n/a | 0.0% | |
| DIGITAL Federal Credit Union | $650,000 | $245,000 | -62.3% | 0.0% |
| FLAT BRANCH MORTGAGE, INC. | $245,000 | n/a | 0.0% | |
| GoPrime Mortgage, Inc. | $245,000 | n/a | 0.0% | |
| GSF Mortgage Corporation | $215,000 | $245,000 | 14.0% | 0.0% |
| West Alabama Bank & Trust | $245,000 | n/a | 0.0% | |
| Bank of Dawson | $235,000 | n/a | 0.0% | |
| BECKAM FUNDING CORP. | $235,000 | n/a | 0.0% | |
| CORNERSTONE HOME LENDING, INC. | $235,000 | n/a | 0.0% | |
| First United Bank and Trust Company | $670,000 | $235,000 | -64.9% | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | $670,000 | $235,000 | -64.9% | 0.0% |
| Credence Funding Corporation | $325,000 | $225,000 | -30.8% | 0.0% |
| EMBRACE HOME LOANS, INC. | $400,000 | $225,000 | -43.8% | 0.0% |
| Great Oaks Bank | $225,000 | n/a | 0.0% | |
| RBC Bank, (Georgia) | $325,000 | $225,000 | -30.8% | 0.0% |
| SPACE COAST Credit Union | $45,000 | $225,000 | 400.0% | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | $275,000 | $220,000 | -20.0% | 0.0% |
| AHL FUNDING | $185,000 | $215,000 | 16.2% | 0.0% |
| MICHIGAN MUTUAL, INC. | $1,625,000 | $215,000 | -86.8% | 0.0% |
| THE EQUITABLE MORTGAGE CORPORATION | $215,000 | n/a | 0.0% | |
| Eglin Federal Credit Union | $210,000 | n/a | 0.0% | |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | $205,000 | n/a | 0.0% | |
| Associated Bank | $205,000 | n/a | 0.0% | |
| Bell Bank | $650,000 | $205,000 | -68.5% | 0.0% |
| Elements Financial Federal Credit Union | $205,000 | n/a | 0.0% | |
| First-Citizens Bank & Trust Company | $105,000 | $205,000 | 95.2% | 0.0% |
| First Metro Bank | $205,000 | n/a | 0.0% | |
| F&M Bank | $205,000 | n/a | 0.0% | |
| SIRVA MORTGAGE, INC. | $1,755,000 | $205,000 | -88.3% | 0.0% |
| CB&S Bank, Inc. | $335,000 | $195,000 | -41.8% | 0.0% |
| Dort Financial Credit Union | $195,000 | n/a | 0.0% | |
| The Bank of Old Monroe | $195,000 | n/a | 0.0% | |
| United Bank | $475,000 | $195,000 | -58.9% | 0.0% |
| First Financial Bank | $185,000 | n/a | 0.0% | |
| M&T Bank | $315,000 | $185,000 | -41.3% | 0.0% |
| HomeTown Bank | $175,000 | n/a | 0.0% | |
| MIDFLORIDA | $175,000 | n/a | 0.0% | |
| First Security Bank | $165,000 | n/a | 0.0% | |
| State Department Federal Credit Union | $165,000 | n/a | 0.0% | |
| Advisors Mortgage Group, L.L.C. | $155,000 | n/a | 0.0% | |
| COMMUNITY CREDIT UNION OF FLORIDA | $155,000 | n/a | 0.0% | |
| ROYAL UNITED MORTGAGE LLC | $750,000 | $155,000 | -79.3% | 0.0% |
| The Commercial Bank | $155,000 | n/a | 0.0% | |
| The State Bank and Trust Company | $155,000 | n/a | 0.0% | |
| United Bank | $475,000 | $155,000 | -67.4% | 0.0% |
| Towne Bank | $355,000 | $145,000 | -59.2% | 0.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | $2,235,000 | $135,000 | -94.0% | 0.0% |
| TAMPA BAY FEDERAL CREDIT UNION | $135,000 | n/a | 0.0% | |
| United States Senate Federal Credit Union | $125,000 | n/a | 0.0% | |
| CHEVRON | $115,000 | n/a | 0.0% | |
| Bank of Springfield | $145,000 | $105,000 | -27.6% | 0.0% |
| INOVA FEDERAL CREDIT UNION | $100,000 | n/a | 0.0% | |
| RESIDENTIAL BANCORP | $1,140,000 | $95,000 | -91.7% | 0.0% |
| MORTGAGE 1 INCORPORATED | $255,000 | $85,000 | -66.7% | 0.0% |
| Northwest Federal Credit Union | $75,000 | n/a | 0.0% | |
| Wilson Bank And Trust | $185,000 | $75,000 | -59.5% | 0.0% |
| AMERIFIRST BANK | $1,505,000 | $65,000 | -95.7% | 0.0% |
| Farmers Bank and Trust Company | $425,000 | $65,000 | -84.7% | 0.0% |
| FLORIDA | $55,000 | n/a | 0.0% | |
| QUORUM FEDERAL CREDIT UNION | $55,000 | n/a | 0.0% | |
| CIS Financial Services, Inc. | $45,000 | n/a | 0.0% | |
| LGE COMMUNITY | $45,000 | n/a | 0.0% | |
| SPIRE Credit Union | $45,000 | n/a | 0.0% | |
| KEESLER | $145,000 | $35,000 | -75.9% | 0.0% |
PANAMA CITY's top lender by overall market share is JONES LANG LASALLE MULTIFAMILY, LLC, with 16.4% market share. In second place, with 7.7%, is DHI MORTGAGE COMPANY, LTD., having originated $168,730,000 in loans. In third place, with 5.8%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $126,440,000 in loans. In fourth place, with 4.0%, is QUICKEN LOANS, LLC, having originated $86,495,000 in loans. In fifth place, with 3.7%, is WALKER & DUNLOP, LLC, having originated $81,050,000 in loans.
PANAMA CITY Housing Market Trends (Median, Average Prices & Listing Count)
Realtor.com - PANAMA 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 | $262,450 (5.0%) | $338,950 (6.2%) | 0.97 | 1,728 |
| 2018-02-01 | $265,000 (6.0%) | $339,305 (6.0%) | 0.96 | 1,747 |
| 2018-03-01 | $269,900 (6.6%) | $343,946 (5.2%) | 0.95 | 1,778 |
| 2018-04-01 | $279,250 (7.5%) | $347,424 (3.7%) | 0.95 | 1,836 |
| 2018-05-01 | $278,475 (4.4%) | $351,028 (3.0%) | 0.93 | 1,865 |
| 2018-06-01 | $280,990 (4.5%) | $360,683 (5.0%) | 0.94 | 1,760 |
| 2018-07-01 | $279,948 (4.1%) | $365,271 (5.5%) | 0.93 | 1,766 |
| 2018-08-01 | $279,950 (5.1%) | $365,400 (3.9%) | 0.94 | 1,806 |
| 2018-09-01 | $279,900 (4.4%) | $359,362 (3.2%) | 0.94 | 1,863 |
| 2018-10-01 | $279,900 (5.7%) | $363,153 (5.3%) | 0.95 | 1,768 |
| 2018-11-01 | $289,675 (7.9%) | $376,101 (9.7%) | 0.98 | 1,525 |
| 2018-12-01 | $301,995 (14.0%) | $383,786 (9.6%) | 1.04 | 1,556 |
| 2019-01-01 | $305,250 (16.3%) | $384,454 (13.4%) | 1.05 | 1,504 |
| 2019-02-01 | $307,875 (16.2%) | $391,196 (15.3%) | 1.04 | 1,583 |
| 2019-03-01 | $316,371 (17.2%) | $397,973 (15.7%) | 1.03 | 1,576 |
| 2019-04-01 | $323,921 (16.0%) | $405,461 (16.7%) | 1.03 | 1,559 |
| 2019-05-01 | $315,000 (13.1%) | $407,247 (16.0%) | 0.98 | 1,637 |
| 2019-06-01 | $315,495 (12.3%) | $398,606 (10.5%) | 0.99 | 1,622 |
| 2019-07-01 | $317,123 (13.3%) | $400,800 (9.7%) | 0.99 | 1,650 |
| 2019-08-01 | $313,545 (12.0%) | $393,725 (7.8%) | 0.99 | 1,738 |
| 2019-09-01 | $305,364 (9.1%) | $383,548 (6.7%) | 0.98 | 1,839 |
| 2019-10-01 | $299,000 (6.8%) | $376,365 (3.6%) | 0.96 | 1,907 |
| 2019-11-01 | $299,000 (3.2%) | $373,228 (-0.8%) | 0.98 | 1,923 |
| 2019-12-01 | $293,500 (-2.8%) | $365,098 (-4.9%) | 0.98 | 1,988 |
| 2020-01-01 | $289,900 (-5.0%) | $369,774 (-3.8%) | 0.97 | 1,928 |
| 2020-02-01 | $287,700 (-6.6%) | $367,594 (-6.0%) | 0.94 | 1,948 |
| 2020-03-01 | $292,450 (-7.6%) | $374,019 (-6.0%) | 0.92 | 2,051 |
| 2020-04-01 | $294,000 (-9.2%) | $373,577 (-7.9%) | 0.92 | 2,249 |
| 2020-05-01 | $296,000 (-6.0%) | $376,349 (-7.6%) | 0.90 | 2,176 |
| 2020-06-01 | $309,700 (-1.8%) | $382,480 (-4.1%) | 0.91 | 1,922 |
| 2020-07-01 | $309,189 (-2.5%) | $383,996 (-4.2%) | 0.90 | 1,748 |
| 2020-08-01 | $309,750 (-1.2%) | $386,978 (-1.7%) | 0.89 | 1,631 |
| 2020-09-01 | $301,200 (-1.4%) | $392,788 (2.4%) | 0.86 | 1,455 |
| 2020-10-01 | $309,500 (3.5%) | $399,352 (6.1%) | 0.89 | 1,373 |
| 2020-11-01 | $305,000 (2.0%) | $412,430 (10.5%) | 0.89 | 1,353 |
| 2020-12-01 | $294,894 (0.5%) | $407,295 (11.6%) | 0.88 | 1,442 |
| 2021-01-01 | $289,290 (-0.2%) | $394,149 (6.6%) | 0.86 | 1,446 |
| 2021-02-01 | $289,328 (0.6%) | $409,098 (11.3%) | 0.84 | 1,028 |
| 2021-03-01 | $296,450 (1.4%) | $435,462 (16.4%) | 0.84 | 833 |
| 2021-04-01 | $315,645 (7.4%) | $482,078 (29.0%) | 0.85 | 695 |
| 2021-05-01 | $335,016 (13.2%) | $508,712 (35.2%) | 0.89 | 657 |
| 2021-06-01 | $356,975 (15.3%) | $531,743 (39.0%) | 0.94 | 670 |
| 2021-07-01 | $378,999 (22.6%) | $528,472 (37.6%) | 1.00 | 857 |
| 2021-08-01 | $399,000 (28.8%) | $545,289 (40.9%) | 1.06 | 1,024 |
| 2021-09-01 | $399,700 (32.7%) | $548,746 (39.7%) | 1.07 | 1,068 |
| 2021-10-01 | $399,500 (29.1%) | $548,899 (37.5%) | 1.07 | 1,052 |
| 2021-11-01 | $385,750 (26.5%) | $550,284 (33.4%) | 1.03 | 944 |
| 2021-12-01 | $367,318 (24.6%) | $546,736 (34.2%) | 1.00 | 865 |
| 2022-01-01 | $369,000 (27.6%) | $573,893 (45.6%) | 1.00 | 728 |
| 2022-02-01 | $401,000 (38.6%) | $606,905 (48.4%) | 1.04 | 605 |
| 2022-03-01 | $427,000 (44.0%) | $666,379 (53.0%) | 1.07 | 638 |
| 2022-04-01 | $463,500 (46.8%) | $696,818 (44.5%) | 1.10 | 799 |
| 2022-05-01 | $484,500 (44.6%) | $732,645 (44.0%) | 1.11 | 992 |
| 2022-06-01 | $497,750 (39.4%) | $717,057 (34.9%) | 1.11 | 1,227 |
| 2022-07-01 | $489,000 (29.0%) | $673,846 (27.5%) | 1.10 | 1,526 |
| 2022-08-01 | $478,000 (19.8%) | $651,564 (19.5%) | 1.11 | 1,678 |
| 2022-09-01 | $452,500 (13.2%) | $621,357 (13.2%) | 1.06 | 1,733 |
| 2022-10-01 | $441,700 (10.6%) | $602,758 (9.8%) | 1.04 | 1,805 |
| 2022-11-01 | $435,000 (12.8%) | $583,175 (6.0%) | 1.05 | 1,849 |
| 2022-12-01 | $430,000 (17.1%) | $585,365 (7.1%) | 1.06 | 1,753 |
| 2023-01-01 | $434,450 (17.7%) | $588,973 (2.6%) | 1.08 | 1,621 |
| 2023-02-01 | $432,300 (7.8%) | $584,591 (-3.7%) | 1.04 | 1,540 |
| 2023-03-01 | $433,650 (1.6%) | $595,270 (-10.7%) | 1.02 | 1,530 |
| 2023-04-01 | $450,000 (-2.9%) | $625,997 (-10.2%) | 1.05 | 1,538 |
| 2023-05-01 | $449,250 (-7.3%) | $623,683 (-14.9%) | 1.02 | 1,687 |
| 2023-06-01 | $454,450 (-8.7%) | $636,167 (-11.3%) | 1.02 | 1,724 |
| 2023-07-01 | $457,500 (-6.4%) | $643,468 (-4.5%) | 1.04 | 1,750 |
| 2023-08-01 | $449,900 (-5.9%) | $632,536 (-2.9%) | 1.03 | 1,872 |
| 2023-09-01 | $450,000 (-0.6%) | $630,035 (1.4%) | 1.05 | 1,934 |
| 2023-10-01 | $450,000 (1.9%) | $631,214 (4.7%) | 1.06 | 2,037 |
| 2023-11-01 | $448,625 (3.1%) | $615,544 (5.6%) | 1.07 | 2,188 |
| 2023-12-01 | $447,000 (4.0%) | $609,873 (4.2%) | 1.09 | 2,209 |
| 2024-01-01 | $440,000 (1.3%) | $602,304 (2.3%) | 1.07 | 2,184 |
| 2024-02-01 | $437,575 (1.2%) | $602,648 (3.1%) | 1.05 | 2,274 |
| 2024-03-01 | $440,000 (1.5%) | $601,539 (1.1%) | 1.04 | 2,438 |
| 2024-04-01 | $447,000 (-0.7%) | $607,490 (-3.0%) | 1.04 | 2,566 |
| 2024-05-01 | $449,000 (-0.1%) | $608,911 (-2.4%) | 1.02 | 2,678 |
| 2024-06-01 | $443,500 (-2.4%) | $606,350 (-4.7%) | 1.01 | 2,728 |
| 2024-07-01 | $444,500 (-2.8%) | $614,391 (-4.5%) | 1.02 | 2,739 |
| 2024-08-01 | $439,000 (-2.4%) | $608,479 (-3.8%) | 1.02 | 2,786 |
| 2024-09-01 | $429,725 (-4.5%) | $595,914 (-5.4%) | 1.01 | 2,782 |
| 2024-10-01 | $429,975 (-4.5%) | $593,982 (-5.9%) | 1.01 | 2,760 |
| 2024-11-01 | $425,000 (-5.3%) | $583,584 (-5.2%) | 1.02 | 2,680 |
| 2024-12-01 | $419,500 (-6.2%) | $578,615 (-5.1%) | 1.04 | 2,639 |
| 2025-01-01 | $414,950 (-5.7%) | $564,084 (-6.4%) | 1.04 | 2,553 |
| 2025-02-01 | $415,000 (-5.2%) | $563,265 (-6.5%) | 1.01 | 2,707 |
| 2025-03-01 | $425,000 (-3.4%) | $578,677 (-3.8%) | 1.00 | 2,851 |
| 2025-04-01 | $425,000 (-4.9%) | $585,757 (-3.6%) | 0.99 | 3,014 |
PANAMA CITY's median listing price for 2025-04-01 was $425,000, a difference of
$-22,000
(-4.9%) versus the prior year and
$0 versus the prior month.
PANAMA CITY's median listing price comes in at 99% of the national average.
PANAMA CITY's average listing price for 2025-04-01 was $585,757, a difference of $-21,733 (-3.6%) versus the prior year and $7,080 versus the prior month.
For the 2025-04-01 period, PANAMA CITY had 3,014 MLS listings, a difference of 163 listings (6%) versus the prior month and 448 listings (17%) versus the prior year.
PANAMA CITY's median listing price comes in at 99% of the national average.
PANAMA CITY's average listing price for 2025-04-01 was $585,757, a difference of $-21,733 (-3.6%) versus the prior year and $7,080 versus the prior month.
For the 2025-04-01 period, PANAMA CITY had 3,014 MLS listings, a difference of 163 listings (6%) versus the prior month and 448 listings (17%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - PANAMA CITY (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 89 days | 1,618 sqft |
| 2018-02-01 | 78 days | 1,622 sqft |
| 2018-03-01 | 60 days | 1,637 sqft |
| 2018-04-01 | 59 days | 1,647 sqft |
| 2018-05-01 | 60 days | 1,645 sqft |
| 2018-06-01 | 71 days | 1,665 sqft |
| 2018-07-01 | 72 days | 1,680 sqft |
| 2018-08-01 | 71 days | 1,654 sqft |
| 2018-09-01 | 71 days | 1,636 sqft |
| 2018-10-01 | 86 days | 1,632 sqft |
| 2018-11-01 | 100 days | 1,610 sqft |
| 2018-12-01 | 101 days | 1,542 sqft |
| 2019-01-01 | 88 days | 1,542 sqft |
| 2019-02-01 | 75 days | 1,527 sqft |
| 2019-03-01 | 74 days | 1,524 sqft |
| 2019-04-01 | 65 days | 1,512 sqft |
| 2019-05-01 | 58 days | 1,524 sqft |
| 2019-06-01 | 57 days | 1,544 sqft |
| 2019-07-01 | 60 days | 1,564 sqft |
| 2019-08-01 | 61 days | 1,554 sqft |
| 2019-09-01 | 61 days | 1,543 sqft |
| 2019-10-01 | 63 days | 1,536 sqft |
| 2019-11-01 | 70 days | 1,542 sqft |
| 2019-12-01 | 77 days | 1,542 sqft |
| 2020-01-01 | 79 days | 1,542 sqft |
| 2020-02-01 | 71 days | 1,542 sqft |
| 2020-03-01 | 65 days | 1,542 sqft |
| 2020-04-01 | 67 days | 1,542 sqft |
| 2020-05-01 | 75 days | 1,540 sqft |
| 2020-06-01 | 86 days | 1,542 sqft |
| 2020-07-01 | 73 days | 1,561 sqft |
| 2020-08-01 | 63 days | 1,562 sqft |
| 2020-09-01 | 61 days | 1,542 sqft |
| 2020-10-01 | 56 days | 1,560 sqft |
| 2020-11-01 | 48 days | 1,602 sqft |
| 2020-12-01 | 51 days | 1,627 sqft |
| 2021-01-01 | 60 days | 1,604 sqft |
| 2021-02-01 | 59 days | 1,591 sqft |
| 2021-03-01 | 44 days | 1,616 sqft |
| 2021-04-01 | 40 days | 1,648 sqft |
| 2021-05-01 | 27 days | 1,674 sqft |
| 2021-06-01 | 31 days | 1,588 sqft |
| 2021-07-01 | 29 days | 1,542 sqft |
| 2021-08-01 | 34 days | 1,539 sqft |
| 2021-09-01 | 41 days | 1,564 sqft |
| 2021-10-01 | 52 days | 1,605 sqft |
| 2021-11-01 | 50 days | 1,637 sqft |
| 2021-12-01 | 51 days | 1,656 sqft |
| 2022-01-01 | 54 days | 1,688 sqft |
| 2022-02-01 | 34 days | 1,668 sqft |
| 2022-03-01 | 32 days | 1,679 sqft |
| 2022-04-01 | 32 days | 1,592 sqft |
| 2022-05-01 | 37 days | 1,578 sqft |
| 2022-06-01 | 42 days | 1,574 sqft |
| 2022-07-01 | 45 days | 1,560 sqft |
| 2022-08-01 | 54 days | 1,561 sqft |
| 2022-09-01 | 61 days | 1,564 sqft |
| 2022-10-01 | 64 days | 1,563 sqft |
| 2022-11-01 | 73 days | 1,571 sqft |
| 2022-12-01 | 82 days | 1,579 sqft |
| 2023-01-01 | 87 days | 1,587 sqft |
| 2023-02-01 | 84 days | 1,559 sqft |
| 2023-03-01 | 68 days | 1,544 sqft |
| 2023-04-01 | 60 days | 1,490 sqft |
| 2023-05-01 | 57 days | 1,499 sqft |
| 2023-06-01 | 61 days | 1,501 sqft |
| 2023-07-01 | 67 days | 1,483 sqft |
| 2023-08-01 | 68 days | 1,461 sqft |
| 2023-09-01 | 66 days | 1,470 sqft |
| 2023-10-01 | 67 days | 1,462 sqft |
| 2023-11-01 | 72 days | 1,453 sqft |
| 2023-12-01 | 79 days | 1,432 sqft |
| 2024-01-01 | 87 days | 1,418 sqft |
| 2024-02-01 | 89 days | 1,413 sqft |
| 2024-03-01 | 74 days | 1,418 sqft |
| 2024-04-01 | 73 days | 1,404 sqft |
| 2024-05-01 | 74 days | 1,423 sqft |
| 2024-06-01 | 82 days | 1,427 sqft |
| 2024-07-01 | 87 days | 1,446 sqft |
| 2024-08-01 | 93 days | 1,446 sqft |
| 2024-09-01 | 94 days | 1,445 sqft |
| 2024-10-01 | 95 days | 1,436 sqft |
| 2024-11-01 | 98 days | 1,420 sqft |
| 2024-12-01 | 102 days | 1,416 sqft |
| 2025-01-01 | 103 days | 1,420 sqft |
| 2025-02-01 | 93 days | 1,424 sqft |
| 2025-03-01 | 78 days | 1,423 sqft |
| 2025-04-01 | 74 days | 1,417 sqft |
PANAMA CITY's median listing age (time on market) for 2025-04-01 was 74 days.
This
is 2%
longer
than the same period one year ago.
PANAMA CITY's median square footage for active listings during the 2025-04-01 period was 1,417 sqft. One year prior, the average listing was 1,404 sqft.
PANAMA CITY's median square footage for active listings during the 2025-04-01 period was 1,417 sqft. One year prior, the average listing was 1,404 sqft.
PANAMA CITY, FL Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 3,899 | $1,335,985,000 | $342,648 |
| Cash Out Refi | 496 | $485,090,000 | $978,004 |
| Other | 486 | $62,700,000 | $129,012 |
| Refi | 408 | $195,720,000 | $479,706 |
| Home Improvement | 312 | $106,030,000 | $339,840 |
| NA | 4 | $1,090,000 | $272,500 |
Panama City's most frequently cited loan purpose was Home Purchase, with 3,899 originations. The 2nd most popular reason was Cash Out Refi, with 496 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 1,961 | $963,485,000 | $491,323 |
| 7-8% | 1,036 | $338,900,000 | $327,124 |
| 5-6% | 957 | $476,695,000 | $498,114 |
| Over 8% | 888 | $174,980,000 | $197,050 |
| 4-5% | 370 | $114,660,000 | $309,892 |
| <2.5% | 76 | $3,710,000 | $48,816 |
| 3-4% | 40 | $10,910,000 | $272,750 |
| 2.5-3% | 13 | $3,255,000 | $250,385 |
During 2024, Panama City's most frequently originated rate bucket was 6-7%, with 1,961 originations.
Loan Sizing (PANAMA CITY, FL MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 2,748 | $805,920,000 | $293,275 |
| $100k-200k | 984 | $150,550,000 | $152,998 |
| $100,000 or less | 809 | $43,385,000 | $53,628 |
| $400k-600k | 755 | $357,025,000 | $472,881 |
| $600k-1000k | 233 | $166,715,000 | $715,515 |
| $Over $1MM | 76 | $663,020,000 | $8,723,947 |
PANAMA CITY's loan sizing saw the bucket of loans from $200k-400k with 2,748 originations, totaling $805,920,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 2,143 | $738,595,000 | $344,655 |
| 60-80% | 1,317 | $524,485,000 | $398,242 |
| Under 20% | 534 | $29,010,000 | $54,326 |
| 20-40% | 504 | $76,240,000 | $151,270 |
| 40-60% | 432 | $162,040,000 | $375,093 |
| Over 100% | 338 | $533,070,000 | $1,577,130 |
PANAMA CITY's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 2,143 originations, totaling $738,595,000 in origination value.