Quincy Mortgage Rates & Closing Costs

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  • Trends
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    • 30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

    30 Year Fixed Rate mortgages in Quincy averaged 6.58% for the week of 2025-04-10, compared to the national average of 6.62% for the same period.

    The average rate for the prior week (2025-04-03) was 6.7% and one month ago for the week of 2025-03-06, the average rate was 6.39%.

    Quincy's average rate one year ago was 6.58%.

    For refis of the same type during the week of 2025-04-10, the average rate was 7.22%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2025-04-10 6.62%
    Quincy 30 Year Fixed Rate 2025-04-10 6.58%
    Quincy 30 Year Fixed Rate Refi 2025-04-10 7.22%
    Quincy 15 Year Fixed Rate 2025-04-10 5.82%
    Quincy 15 Year Fixed Rate Refi 2025-04-10 6.12%
    Quincy 30 Year FHA 2025-04-10 6.65%
    Quincy 30 Year FHA Refi 2025-04-10 6.53%
    Quincy 30 Year USDA 2025-04-10 6.55%
    Quincy 30 Year USDA Refi 2025-04-10 6.55%
    Quincy 30 Year VA 2025-04-10 6.19%
    Quincy 30 Year VA Refi 2025-04-10 6.49%
    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Quincy, IL-MO.

    Quincy 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 Quincy, IL-MO 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
    United Community Bank 67 6.53% $1,979
    First Bankers Trust Company 60 6.67% $1,853
    HomeBank 28 6.69% $2,144
    FLAT BRANCH MORTGAGE, INC. 14 6.75% $3,864
    QUICKEN LOANS, LLC 12 7.04% $4,317
    CROSSCOUNTRY MORTGAGE, LLC 10 7.05% $3,652
    Bank of Springfield 10 6.75% $2,078
    THOMPSON KANE & COMPANY, LLC 7 6.18% $3,507
    HNB National Bank 6 6.92% $1,694
    COMPEER FINANCIAL, FLCA 5 7.38% $3,687
    U.S. Bank 5 7.12% $2,822
    First Mid Bank & Trust 3 6.29% $2,083
    GERSHMAN INVESTMENT CORP. 3 6.83% $3,183
    JPMorgan Chase Bank 3 6.91% $5,407
    DELMAR FINANCIAL COMPANY 3 7.20% $3,835
    DIAMOND RESIDENTIAL MORTGAGE CORPORATION 2 6.75% $3,510
    LAKE MICHIGAN CREDIT UNION 2 6.24% $3,845
    Fifth Third Bank 2 7.31% $3,401
    BROKER SOLUTIONS, INC. 2 6.94% $7,723
    NAVY FEDERAL CREDIT UNION 2 6.56% $1,677
    NFM, INC. 2 7.19% $4,027
    Fortress Bank 2 6.75% $2,172
    The Huntington National Bank 2 6.31% $2,911
    AMERISAVE MORTGAGE CORPORATION 1 6.99% $7,246
    ZILLOW HOME LOANS, LLC 1 6.88% $6,176
    Community Mortgage Banc Corporation 1 6.50% $2,180
    CREDIT UNION MORTGAGE ASSOCIATION, INC. 1 5.75% $3,343
    Deere Employees Credit Union 1 5.99% $3,460
    DUPACO COMMUNITY 1 6.25% $3,651
    First Bank 1 6.88% $3,048
    First United Bank and Trust Company 1 7.38% $4,076
    GREENSTATE CREDIT UNION 1 5.88% $1,963
    Heartland Bank and Trust Company 1 6.83% $2,019
    I. H. MISSISSIPPI VALLEY CREDIT UNION 1 6.00% $2,117
    IOWA BANKERS MORTGAGE CORPORATION 1 6.88% $2,164
    LEADERONE FINANCIAL CORPORATION 1 7.88% $3,215
    LOANDEPOT.COM, LLC 1 7.38% $5,558
    Midwest BankCentre 1 7.49% $2,873
    Mortgage Research Center, LLC 1 6.63% $4,857
    Morton Community Bank 1 6.00% $2,308
    M&T Bank 1 7.00% $6,228
    North American Savings Bank, F.S.B. 1 7.13% $3,455
    Plains Commerce Bank 1 6.75% $3,134
    PREMIA MORTGAGE, LLC 1 6.50% $493
    RESIDENTIAL BANCORP 1 6.49% $4,932
    Servion, Inc. 1 6.50% $3,808
    USAA Federal Savings Bank 1 7.00% $2,640

    Quincy Average Closing Costs & Other Stats

    Quincy, IL-MO's 47 lenders originated 802 loans during 2024. The total origination value was $128,470,000, with an average loan value of $160,187.

    Quincy's average closing costs are $3,164.

    The top Quincy lender as defined by loan originations is United Community Bank, with 67 loans originated. Their average total fees are $1,979, which is $126 higher than the next largest lender, First Bankers Trust Company.

    The lowest fee Quincy lenders (with over 10 loans originated) are First Bankers Trust Company ($1,853), United Community Bank ($1,979), Bank of Springfield ($2,078), HomeBank ($2,144) and CROSSCOUNTRY MORTGAGE, LLC ($3,652).

    The lowest rate Quincy lenders (with over 10 loans originated) are United Community Bank (6.53%), First Bankers Trust Company (6.67%), HomeBank (6.69%), FLAT BRANCH MORTGAGE, INC. (6.75%) and Bank of Springfield (6.75%).

    Quincy, IL-MO 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
    United Community Bank $17,490,000 $18,675,000 6.8% 14.5%
    HomeBank $9,280,000 $11,050,000 19.1% 8.6%
    CIBC Bank USA $10,805,000 n/a 8.4%
    CROSSCOUNTRY MORTGAGE, LLC $9,650,000 $10,745,000 11.3% 8.4%
    First Bankers Trust Company $17,820,000 $10,020,000 -43.8% 7.8%
    Mortgage Research Center, LLC $4,740,000 $8,165,000 72.3% 6.4%
    FLAT BRANCH MORTGAGE, INC. $5,305,000 $7,210,000 35.9% 5.6%
    QUICKEN LOANS, LLC $1,815,000 $5,345,000 194.5% 4.2%
    Bank of Springfield $3,230,000 $4,420,000 36.8% 3.4%
    GERSHMAN INVESTMENT CORP. $890,000 $3,335,000 274.7% 2.6%
    COMPEER FINANCIAL, FLCA $805,000 $2,655,000 229.8% 2.1%
    DIAMOND RESIDENTIAL MORTGAGE CORPORATION $1,365,000 $2,400,000 75.8% 1.9%
    THOMPSON KANE & COMPANY, LLC $1,750,000 $2,335,000 33.4% 1.8%
    USAA Federal Savings Bank $445,000 $1,705,000 283.1% 1.3%
    JPMorgan Chase Bank $460,000 $1,560,000 239.1% 1.2%
    PENNYMAC LOAN SERVICES, LLC $240,000 $1,515,000 531.3% 1.2%
    FREEDOM MORTGAGE CORPORATION $1,355,000 n/a 1.1%
    DELMAR FINANCIAL COMPANY $570,000 $1,290,000 126.3% 1.0%
    HNB National Bank $925,000 $1,215,000 31.4% 0.9%
    U.S. Bank $720,000 $1,090,000 51.4% 0.8%
    BROKER SOLUTIONS, INC. $270,000 $1,025,000 279.6% 0.8%
    Bank of America $1,300,000 $920,000 -29.2% 0.7%
    Mr. Cooper ( Nationstar Mortgage ) $710,000 $735,000 3.5% 0.6%
    The Huntington National Bank $470,000 $720,000 53.2% 0.6%
    LAKE MICHIGAN CREDIT UNION $690,000 n/a 0.5%
    First Mid Bank & Trust $1,340,000 $665,000 -50.4% 0.5%
    UNITED WHOLESALE MORTGAGE, LLC $1,020,000 $655,000 -35.8% 0.5%
    CREDIT UNION MORTGAGE ASSOCIATION, INC. $615,000 n/a 0.5%
    Midwest BankCentre $605,000 n/a 0.5%
    NAVY FEDERAL CREDIT UNION $595,000 $565,000 -5.0% 0.4%
    Fifth Third Bank $540,000 n/a 0.4%
    PLANET HOME LENDING, LLC $500,000 n/a 0.4%
    NEW DAY FINANCIAL, LLC $175,000 $485,000 177.1% 0.4%
    Deere Employees Credit Union $295,000 $480,000 62.7% 0.4%
    AMERICAN FINANCIAL RESOURCES, INC. $205,000 $465,000 126.8% 0.4%
    VILLAGE CAPITAL MORTGAGE $215,000 $450,000 109.3% 0.4%
    Fortress Bank $425,000 n/a 0.3%
    Heartland Bank and Trust Company $1,065,000 $425,000 -60.1% 0.3%
    NFM, INC. $1,205,000 $400,000 -66.8% 0.3%
    RESIDENTIAL BANCORP $705,000 $390,000 -44.7% 0.3%
    GUILD MORTGAGE COMPANY $250,000 $370,000 48.0% 0.3%
    AMERISAVE MORTGAGE CORPORATION $105,000 $365,000 247.6% 0.3%
    IOWA BANKERS MORTGAGE CORPORATION $345,000 n/a 0.3%
    BETTER MORTGAGE CORPORATION $335,000 n/a 0.3%
    Financial Funding Solutions, Inc. $605,000 $335,000 -44.6% 0.3%
    First United Bank and Trust Company $325,000 n/a 0.3%
    M&T Bank $320,000 n/a 0.2%
    ZILLOW HOME LOANS, LLC $300,000 n/a 0.2%
    The Central Trust Bank $275,000 n/a 0.2%
    Flagstar Bank, FSB $430,000 $255,000 -40.7% 0.2%
    GREENSTATE CREDIT UNION $70,000 $250,000 257.1% 0.2%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $180,000 $235,000 30.6% 0.2%
    LOANDEPOT.COM, LLC $580,000 $230,000 -60.3% 0.2%
    EVERETT FINANCIAL, INC. $225,000 n/a 0.2%
    PREMIA MORTGAGE, LLC $540,000 $225,000 -58.3% 0.2%
    LEADERONE FINANCIAL CORPORATION $205,000 n/a 0.2%
    AMERICAN PACIFIC MORTGAGE CORPORATION $195,000 n/a 0.2%
    NEWREZ LLC $410,000 $195,000 -52.4% 0.2%
    Servion, Inc. $195,000 n/a 0.2%
    I. H. MISSISSIPPI VALLEY CREDIT UNION $190,000 n/a 0.1%
    21ST MORTGAGE CORPORATION $65,000 $180,000 176.9% 0.1%
    DUPACO COMMUNITY $175,000 n/a 0.1%
    LENOX FINANCIAL MORTGAGE CORPORATION $175,000 n/a 0.1%
    FCS Financial FLCA $165,000 n/a 0.1%
    North American Savings Bank, F.S.B. $165,000 n/a 0.1%
    T2 FINANCIAL LLC $165,000 n/a 0.1%
    Centier Bank $95,000 $155,000 63.2% 0.1%
    TRIAD FINANCIAL SERVICES, INC. $125,000 $150,000 20.0% 0.1%
    Citizens Bank $145,000 n/a 0.1%
    DAS Acquisition Company, LLC $415,000 $145,000 -65.1% 0.1%
    First Bank $135,000 $145,000 7.4% 0.1%
    TEMPLE VIEW CAPITAL FUNDING, LP $145,000 n/a 0.1%
    Ixonia Bank $135,000 n/a 0.1%
    Morton Community Bank $135,000 n/a 0.1%
    COMPASS MORTGAGE, INC. $130,000 n/a 0.1%
    LAKEVIEW LOAN SERVICING, LLC $125,000 n/a 0.1%
    CNB Bank And Trust, N.A. $115,000 n/a 0.1%
    Community Mortgage Banc Corporation $690,000 $115,000 -83.3% 0.1%
    MUTUAL OF OMAHA MORTGAGE, INC. $225,000 $105,000 -53.3% 0.1%
    Plains Commerce Bank $105,000 n/a 0.1%
    VELOCITY COMMERCIAL CAPITAL, LLC $265,000 $105,000 -60.4% 0.1%
    Arvest Bank $205,000 $85,000 -58.5% 0.1%
    Busey Bank $115,000 $85,000 -26.1% 0.1%
    Coastal Community Bank $40,000 $85,000 112.5% 0.1%
    FINANCE OF AMERICA REVERSE LLC $85,000 n/a 0.1%
    The Loan Store, Inc. $85,000 n/a 0.1%
    Bell Bank $85,000 $65,000 -23.5% 0.1%
    Figure Lending LLC $25,000 $60,000 140.0% 0.0%
    Commerce Bank $610,000 $55,000 -91.0% 0.0%
    Discover Bank $110,000 $55,000 -50.0% 0.0%
    Third Federal Savings and Loan Association of Cleveland $55,000 n/a 0.0%
    SPRING EQ, LLC $35,000 n/a 0.0%
    Midwest Heritage Bank FSB $695,000 $25,000 -96.4% 0.0%
    VANDERBILT MORTGAGE AND FINANCE, INC. $25,000 n/a 0.0%

    Quincy's top lender by overall market share is United Community Bank, with 14.5% market share. In second place, with 8.6%, is HomeBank, having originated $11,050,000 in loans. In third place, with 8.4%, is CIBC Bank USA, having originated $10,805,000 in loans. In fourth place, with 8.4%, is CROSSCOUNTRY MORTGAGE, LLC, having originated $10,745,000 in loans. In fifth place, with 7.8%, is First Bankers Trust Company, having originated $10,020,000 in loans.

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

    Realtor.com - Quincy (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 $115,000 (-1.3%) $153,095 (-5.0%) 0.00 269
    2018-02-01 $118,350 (-4.6%) $151,863 (-9.6%) 0.00 295
    2018-03-01 $125,000 (-2.7%) $158,261 (-8.5%) 0.00 291
    2018-04-01 $128,200 (-1.3%) $163,627 (-6.6%) 0.00 297
    2018-05-01 $130,950 (-1.5%) $168,286 (-5.5%) 0.00 293
    2018-06-01 $138,000 (7.2%) $174,262 (-0.5%) 0.00 300
    2018-07-01 $134,975 (8.0%) $172,197 (-0.4%) 0.00 304
    2018-08-01 $137,875 (14.9%) $173,543 (2.8%) 0.00 303
    2018-09-01 $138,500 (11.7%) $171,675 (1.1%) 0.00 311
    2018-10-01 $131,000 (6.9%) $164,776 (-0.2%) 0.00 329
    2018-11-01 $134,350 (12.1%) $166,613 (5.4%) 0.00 315
    2018-12-01 $127,000 (7.9%) $163,941 (5.6%) 0.00 303
    2019-01-01 $125,950 (9.5%) $161,806 (5.7%) 0.00 285
    2019-02-01 $128,100 (8.2%) $165,052 (8.7%) 0.00 290
    2019-03-01 $128,957 (3.2%) $166,459 (5.2%) 0.00 311
    2019-04-01 $129,900 (1.3%) $168,393 (2.9%) 0.00 321
    2019-05-01 $132,600 (1.3%) $165,291 (-1.8%) 0.00 316
    2019-06-01 $136,750 (-0.9%) $167,332 (-4.0%) 0.00 303
    2019-07-01 $135,475 (0.4%) $165,609 (-3.8%) 0.00 307
    2019-08-01 $136,091 (-1.3%) $166,078 (-4.3%) 0.00 317
    2019-09-01 $137,727 (-0.6%) $167,926 (-2.2%) 0.00 322
    2019-10-01 $139,250 (6.3%) $169,451 (2.8%) 0.00 325
    2019-11-01 $140,900 (4.9%) $171,862 (3.2%) 0.00 316
    2019-12-01 $141,875 (11.7%) $174,271 (6.3%) 0.00 305
    2020-01-01 $139,900 (11.1%) $172,217 (6.4%) 0.00 236
    2020-02-01 $139,900 (9.2%) $174,035 (5.4%) 0.00 214
    2020-03-01 $145,325 (12.7%) $176,931 (6.3%) 0.00 214
    2020-04-01 $141,875 (9.2%) $179,556 (6.6%) 0.00 213
    2020-05-01 $141,200 (6.5%) $182,176 (10.2%) 0.00 292
    2020-06-01 $149,000 (9.0%) $187,400 (12.0%) 0.00 299
    2020-07-01 $147,750 (9.1%) $188,636 (13.9%) 0.00 294
    2020-08-01 $145,000 (6.6%) $185,095 (11.5%) 0.00 280
    2020-09-01 $143,325 (4.1%) $179,374 (6.8%) 0.00 269
    2020-10-01 $144,450 (3.7%) $179,812 (6.1%) 0.00 250
    2020-11-01 $141,200 (0.2%) $174,355 (1.5%) 0.00 245
    2020-12-01 $129,700 (-8.6%) $162,286 (-6.9%) 0.00 216
    2021-01-01 $127,600 (-8.8%) $163,416 (-5.1%) 0.00 191
    2021-02-01 $128,650 (-8.0%) $164,510 (-5.5%) 0.00 188
    2021-03-01 $126,300 (-13.1%) $171,078 (-3.3%) 0.00 169
    2021-04-01 $128,650 (-9.3%) $175,188 (-2.4%) 0.00 185
    2021-05-01 $128,900 (-8.7%) $181,440 (-0.4%) 0.00 171
    2021-06-01 $131,100 (-12.0%) $183,261 (-2.2%) 0.00 156
    2021-07-01 $133,000 (-10.0%) $185,505 (-1.7%) 0.00 183
    2021-08-01 $120,450 (-16.9%) $178,229 (-3.7%) 0.00 179
    2021-09-01 $124,900 (-12.9%) $173,489 (-3.3%) 0.00 174
    2021-10-01 $135,000 (-6.5%) $188,876 (5.0%) 0.00 178
    2021-11-01 $135,000 (-4.4%) $198,082 (13.6%) 0.00 155
    2021-12-01 $139,500 (7.6%) $202,683 (24.9%) 0.00 139
    2022-01-01 $129,900 (1.8%) $207,362 (26.9%) 0.00 107
    2022-02-01 $128,150 (-0.4%) $205,424 (24.9%) 0.00 123
    2022-03-01 $129,950 (2.9%) $230,172 (34.5%) 0.00 105
    2022-04-01 $147,450 (14.6%) $231,409 (32.1%) 0.00 109
    2022-05-01 $149,900 (16.3%) $224,146 (23.5%) 0.00 128
    2022-06-01 $146,125 (11.5%) $217,443 (18.7%) 0.00 140
    2022-07-01 $154,500 (16.2%) $210,889 (13.7%) 0.00 108
    2022-08-01 $162,200 (34.7%) $203,085 (14.0%) 0.00 114
    2022-09-01 $163,475 (30.9%) $203,154 (17.1%) 0.00 134
    2022-10-01 $149,900 (11.0%) $199,452 (5.6%) 0.00 136
    2022-11-01 $139,900 (3.6%) $187,085 (-5.6%) 0.00 134
    2022-12-01 $129,900 (-6.9%) $174,056 (-14.1%) 0.00 110
    2023-01-01 $130,875 (0.8%) $188,264 (-9.2%) 0.00 103
    2023-02-01 $139,975 (9.2%) $200,529 (-2.4%) 0.00 105
    2023-03-01 $171,225 (31.8%) $209,131 (-9.1%) 0.00 99
    2023-04-01 $162,400 (10.1%) $208,848 (-9.8%) 0.00 92
    2023-05-01 $172,450 (15.0%) $223,547 (-0.3%) 0.00 113
    2023-06-01 $171,100 (17.1%) $217,788 (0.2%) 0.00 113
    2023-07-01 $170,000 (10.0%) $205,997 (-2.3%) 0.00 126
    2023-08-01 $163,725 (0.9%) $192,413 (-5.3%) 0.00 123
    2023-09-01 $169,900 (3.9%) $207,671 (2.2%) 0.00 115
    2023-10-01 $169,900 (13.3%) $201,163 (0.9%) 0.00 132
    2023-11-01 $148,500 (6.2%) $184,784 (-1.2%) 0.00 137
    2023-12-01 $145,000 (11.6%) $179,092 (2.9%) 0.00 131
    2024-01-01 $149,900 (14.5%) $194,937 (3.5%) 0.00 125
    2024-02-01 $142,450 (1.8%) $185,292 (-7.6%) 0.00 111
    2024-03-01 $149,450 (-12.7%) $190,924 (-8.7%) 0.00 121
    2024-04-01 $144,975 (-10.7%) $206,521 (-1.1%) 0.00 120
    2024-05-01 $160,500 (-6.9%) $219,718 (-1.7%) 0.00 117
    2024-06-01 $155,000 (-9.4%) $217,504 (-0.1%) 0.00 126
    2024-07-01 $179,425 (5.5%) $248,361 (20.6%) 0.00 139
    2024-08-01 $174,500 (6.6%) $243,272 (26.4%) 0.00 121
    2024-09-01 $180,175 (6.1%) $243,730 (17.4%) 0.00 132
    2024-10-01 $187,450 (10.3%) $252,237 (25.4%) 0.00 138
    2024-11-01 $194,450 (30.9%) $248,096 (34.3%) 0.00 149
    2024-12-01 $198,425 (36.8%) $248,743 (38.9%) 0.00 143
    2025-01-01 $193,750 (29.3%) $241,716 (24.0%) 0.00 137
    2025-02-01 $199,975 (40.4%) $252,877 (36.5%) 0.00 114
    2025-03-01 $199,900 (33.8%) $245,830 (28.8%) 0.00 106
    Quincy's median listing price for 2025-03-01 was $199,900, a difference of $50,450 (33.8%) versus the prior year and $-75 versus the prior month.

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

    Quincy's average listing price for 2025-03-01 was $245,830, a difference of $54,906 (28.8%) versus the prior year and $-7,047 versus the prior month.

    For the 2025-03-01 period, Quincy had 106 MLS listings, a difference of -8 listings (-7%) versus the prior month and -15 listings (-12%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Quincy (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,561 sqft
    2018-02-01 0 days 1,574 sqft
    2018-03-01 0 days 1,576 sqft
    2018-04-01 0 days 1,582 sqft
    2018-05-01 0 days 1,536 sqft
    2018-06-01 0 days 1,576 sqft
    2018-07-01 0 days 1,568 sqft
    2018-08-01 0 days 1,598 sqft
    2018-09-01 0 days 1,621 sqft
    2018-10-01 0 days 1,611 sqft
    2018-11-01 0 days 1,616 sqft
    2018-12-01 0 days 1,600 sqft
    2019-01-01 0 days 1,600 sqft
    2019-02-01 0 days 1,598 sqft
    2019-03-01 0 days 1,589 sqft
    2019-04-01 0 days 1,587 sqft
    2019-05-01 0 days 1,596 sqft
    2019-06-01 0 days 1,604 sqft
    2019-07-01 0 days 1,576 sqft
    2019-08-01 0 days 1,581 sqft
    2019-09-01 0 days 1,592 sqft
    2019-10-01 0 days 1,600 sqft
    2019-11-01 0 days 1,600 sqft
    2019-12-01 0 days 1,642 sqft
    2020-01-01 0 days 1,646 sqft
    2020-02-01 0 days 1,648 sqft
    2020-03-01 0 days 1,656 sqft
    2020-04-01 0 days 1,629 sqft
    2020-05-01 0 days 1,650 sqft
    2020-06-01 0 days 1,655 sqft
    2020-07-01 0 days 1,585 sqft
    2020-08-01 0 days 1,548 sqft
    2020-09-01 0 days 1,502 sqft
    2020-10-01 0 days 1,530 sqft
    2020-11-01 0 days 1,525 sqft
    2020-12-01 0 days 1,484 sqft
    2021-01-01 0 days 1,486 sqft
    2021-02-01 0 days 1,491 sqft
    2021-03-01 0 days 1,540 sqft
    2021-04-01 0 days 1,530 sqft
    2021-05-01 0 days 1,578 sqft
    2021-06-01 0 days 1,599 sqft
    2021-07-01 0 days 1,571 sqft
    2021-08-01 0 days 1,496 sqft
    2021-09-01 0 days 1,471 sqft
    2021-10-01 0 days 1,502 sqft
    2021-11-01 0 days 1,549 sqft
    2021-12-01 0 days 1,551 sqft
    2022-01-01 0 days 1,591 sqft
    2022-02-01 0 days 1,542 sqft
    2022-03-01 0 days 1,524 sqft
    2022-04-01 0 days 1,596 sqft
    2022-05-01 0 days 1,580 sqft
    2022-06-01 0 days 1,455 sqft
    2022-07-01 0 days 1,560 sqft
    2022-08-01 0 days 1,615 sqft
    2022-09-01 0 days 1,631 sqft
    2022-10-01 0 days 1,621 sqft
    2022-11-01 0 days 1,606 sqft
    2022-12-01 0 days 1,592 sqft
    2023-01-01 0 days 1,593 sqft
    2023-02-01 0 days 1,633 sqft
    2023-03-01 0 days 1,735 sqft
    2023-04-01 0 days 1,727 sqft
    2023-05-01 0 days 1,747 sqft
    2023-06-01 0 days 1,703 sqft
    2023-07-01 0 days 1,692 sqft
    2023-08-01 0 days 1,694 sqft
    2023-09-01 0 days 1,680 sqft
    2023-10-01 0 days 1,578 sqft
    2023-11-01 0 days 1,508 sqft
    2023-12-01 0 days 1,529 sqft
    2024-01-01 0 days 1,560 sqft
    2024-02-01 0 days 1,545 sqft
    2024-03-01 0 days 1,553 sqft
    2024-04-01 0 days 1,453 sqft
    2024-05-01 0 days 1,503 sqft
    2024-06-01 0 days 1,541 sqft
    2024-07-01 0 days 1,592 sqft
    2024-08-01 0 days 1,637 sqft
    2024-09-01 0 days 1,719 sqft
    2024-10-01 0 days 1,753 sqft
    2024-11-01 0 days 1,783 sqft
    2024-12-01 0 days 1,807 sqft
    2025-01-01 0 days 1,785 sqft
    2025-02-01 0 days 1,812 sqft
    2025-03-01 0 days 1,802 sqft
    Quincy's median listing age (time on market) for 2025-03-01 was 0 days.

    Quincy's median square footage for active listings during the 2025-03-01 period was 1,802 sqft. One year prior, the average listing was 1,553 sqft.

    Quincy, IL-MO Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 540 $98,860,000 $183,074
    Refi 101 $14,965,000 $148,168
    Cash Out Refi 87 $10,745,000 $123,506
    Home Improvement 43 $2,305,000 $53,605
    Other 31 $1,595,000 $51,452

    Quincy's most frequently cited loan purpose was Home Purchase, with 540 originations. The 2nd most popular reason was Refi, with 101 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    6-7% 404 $64,720,000 $160,198
    7-8% 177 $26,315,000 $148,672
    5-6% 103 $17,155,000 $166,553
    Over 8% 92 $18,280,000 $198,696
    4-5% 18 $1,580,000 $87,778
    <2.5% 5 $35,000 $7,000
    3-4% 2 $360,000 $180,000

    During 2024, Quincy's most frequently originated rate bucket was 6-7%, with 404 originations.

    Loan Sizing (Quincy, IL-MO MSA)

    Loan Size Originations Total Value Average Loan
    $100k-200k 345 $50,275,000 $145,725
    $100,000 or less 288 $16,210,000 $56,285
    $200k-400k 139 $36,265,000 $260,899
    $400k-600k 26 $12,670,000 $487,308
    $600k-1000k 2 $1,220,000 $610,000
    $Over $1MM 2 $11,830,000 $5,915,000

    Quincy's loan sizing saw the bucket of loans from $100k-200k with 345 originations, totaling $50,275,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 392 $67,810,000 $172,985
    60-80% 175 $38,095,000 $217,686
    20-40% 75 $5,415,000 $72,200
    Under 20% 73 $2,195,000 $30,068
    40-60% 57 $8,155,000 $143,070
    Over 100% 11 $3,115,000 $283,182

    Quincy's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 392 originations, totaling $67,810,000 in origination value.