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 6.39% for the week of 2024-12-12, compared to the national average of 6.6% for the same period.

    The average rate for the prior week (2024-12-05) was 6.38% and one month ago for the week of 2024-11-07, the average rate was 6.48%.

    Quincy's average rate one year ago was 6.72%.

    For refis of the same type during the week of 2024-12-12, the average rate was 7%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2024-12-12 6.6%
    Quincy 30 Year Fixed Rate 2024-12-12 6.39%
    Quincy 30 Year Fixed Rate Refi 2024-12-12 7%
    Quincy 15 Year Fixed Rate 2024-12-12 6.04%
    Quincy 15 Year Fixed Rate Refi 2024-12-12 6.44%
    Quincy 30 Year FHA 2024-12-12 6.24%
    Quincy 30 Year FHA Refi 2024-12-12 6.48%
    Quincy 30 Year USDA 2024-12-12 6.1%
    Quincy 30 Year USDA Refi 2024-12-12 6.5%
    Quincy 30 Year VA 2024-12-12 5.98%
    Quincy 30 Year VA Refi 2024-12-12 6.18%
    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 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    First Bankers Trust Company 94 6.59% $1,604
    United Community Bank 69 6.51% $1,736
    HomeBank 20 6.28% $2,051
    FLAT BRANCH MORTGAGE, INC. 17 6.64% $3,650
    CROSSCOUNTRY MORTGAGE, LLC 12 7.05% $4,422
    Bank of Springfield 10 6.51% $1,894
    NFM, INC. 8 6.91% $5,223
    First Mid Bank & Trust 6 6.85% $2,173
    Community Mortgage Banc Corporation 5 6.48% $1,943
    THOMPSON KANE & COMPANY, LLC 5 6.90% $2,170
    Heartland Bank and Trust Company 4 6.44% $1,929
    U.S. Bank 3 6.71% $2,529
    DIAMOND RESIDENTIAL MORTGAGE CORPORATION 3 6.67% $3,052
    Mortgage Research Center, LLC 3 7.04% $1,224
    COMPEER FINANCIAL, FLCA 3 7.79% $3,384
    DELMAR FINANCIAL COMPANY 3 6.83% $3,598
    QUICKEN LOANS, LLC 2 6.68% $5,413
    FIRST STATE MORTGAGE SERVICES, LLC 2 6.25% $3,379
    RESIDENTIAL BANCORP 2 7.50% $8,684
    CHURCHILL MORTGAGE CORPORATION 2 7.56% $3,433
    The Huntington National Bank 2 6.73% $4,598
    NexBank 2 7.38% $4,572
    Mr. Cooper ( Nationstar Mortgage ) 2 7.43% $5,749
    Ally Bank 2 7.50% $3,377
    HNB National Bank 2 7.31% $1,607
    DAS Acquisition Company, LLC 2 6.88% $2,385
    Neighborhood Loans, Inc. 1 6.63% $4,603
    PNC Bank 1 6.75% $2,814
    RBC Bank, (Georgia) 1 6.38% $1,677
    R.I.A. Federal Credit Union 1 7.13% $1,879
    Two Rivers Bank & Trust 1 6.88% $1,320
    UNIVERSITY OF ILLINOIS COMMUNITY 1 6.25% $2,056
    JPMorgan Chase Bank 1 6.88% $4,022
    AMERICAN FINANCING CORPORATION 1 5.88% $5,008
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 1 8.00% $4,046
    Barrington Bank & Trust Company, N.A. 1 6.99% $3,472
    BMO Harris Bank 1 7.00% $3,208
    Busey Bank 1 5.63% $2,301
    Carrington Mortgage Services, LLC 1 5.25% $4,776
    Carrollton Bank 1 7.13% $3,898
    CITIZENS EQUITY FIRST 1 7.00% $536
    Commerce Bank 1 6.63% $2,484
    Deere Employees Credit Union 1 6.50% $2,666
    Financial Funding Solutions, Inc. 1 6.13% $101
    First American Bank 1 5.75% $2,466
    First Bank 1 7.25% $3,119
    First Federal Savings and Loan Association of Lakewood 1 8.00% $3,376
    First Horizon Bank 1 6.63% $3,014
    First State Community Bank 1 6.75% $2,926
    Flagstar Bank, FSB 1 6.38% $5,429
    GUARANTEED RATE, INC. 1 6.38% $2,673
    HOMESIDE FINANCIAL, LLC 1 7.75% $6,710
    ALLIANT CREDIT UNION 1 6.25% $3,019
    KeyBank 1 6.00% $3,131
    Marine Bank 1 6.75% $2,320
    Midwest Heritage Bank FSB 1 7.25% $3,330
    NAVY FEDERAL CREDIT UNION 1 8.50% $2,160
    NBKC BANK 1 7.63% $2,545

    Quincy Average Closing Costs & Other Stats

    Quincy, IL-MO's 58 lenders originated 773 loans during 2023. The total origination value was $106,075,000, with an average loan value of $137,225.

    Quincy's average closing costs are $3,030.

    The top Quincy lender as defined by loan originations is First Bankers Trust Company, with 94 loans originated. Their average total fees are $1,604, which is $132 lower than the next largest lender, United Community Bank.

    The lowest fee Quincy lenders (with over 10 loans originated) are First Bankers Trust Company ($1,604), United Community Bank ($1,736), Bank of Springfield ($1,894), HomeBank ($2,051) and FLAT BRANCH MORTGAGE, INC. ($3,650).

    The lowest rate Quincy lenders (with over 10 loans originated) are HomeBank (6.28%), United Community Bank (6.51%), Bank of Springfield (6.51%), First Bankers Trust Company (6.59%) and FLAT BRANCH MORTGAGE, INC. (6.64%).

    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 2022 Loan Value 2023 Loan Value % Change 2023 Market Share
    First Bankers Trust Company $22,125,000 $17,820,000 -19.5% 16.8%
    United Community Bank $24,300,000 $17,490,000 -28.0% 16.5%
    CROSSCOUNTRY MORTGAGE, LLC $10,085,000 $9,650,000 -4.3% 9.1%
    HomeBank $14,805,000 $9,280,000 -37.3% 8.7%
    FLAT BRANCH MORTGAGE, INC. $1,205,000 $5,305,000 340.2% 5.0%
    Mortgage Research Center, LLC $4,635,000 $4,740,000 2.3% 4.5%
    Bank of Springfield $4,515,000 $3,230,000 -28.5% 3.0%
    QUICKEN LOANS, LLC $4,605,000 $1,815,000 -60.6% 1.7%
    THOMPSON KANE & COMPANY, LLC $740,000 $1,750,000 136.5% 1.6%
    DIAMOND RESIDENTIAL MORTGAGE CORPORATION $1,380,000 $1,365,000 -1.1% 1.3%
    First Mid Bank & Trust $1,850,000 $1,340,000 -27.6% 1.3%
    Bank of America $730,000 $1,300,000 78.1% 1.2%
    NFM, INC. $1,205,000 n/a 1.1%
    Heartland Bank and Trust Company $1,065,000 n/a 1.0%
    UNITED WHOLESALE MORTGAGE, LLC $555,000 $1,020,000 83.8% 1.0%
    HNB National Bank $14,390,000 $925,000 -93.6% 0.9%
    GERSHMAN INVESTMENT CORP. $3,275,000 $890,000 -72.8% 0.8%
    COMPEER FINANCIAL, FLCA $1,125,000 $805,000 -28.4% 0.8%
    U.S. Bank $1,255,000 $720,000 -42.6% 0.7%
    Mr. Cooper ( Nationstar Mortgage ) $930,000 $710,000 -23.7% 0.7%
    RESIDENTIAL BANCORP $705,000 n/a 0.7%
    Midwest Heritage Bank FSB $105,000 $695,000 561.9% 0.7%
    Community Mortgage Banc Corporation $1,985,000 $690,000 -65.2% 0.7%
    CHURCHILL MORTGAGE CORPORATION $660,000 n/a 0.6%
    Commerce Bank $1,855,000 $610,000 -67.1% 0.6%
    Financial Funding Solutions, Inc. $105,000 $605,000 476.2% 0.6%
    NAVY FEDERAL CREDIT UNION $535,000 $595,000 11.2% 0.6%
    LOANDEPOT.COM, LLC $1,635,000 $580,000 -64.5% 0.5%
    DELMAR FINANCIAL COMPANY $1,240,000 $570,000 -54.0% 0.5%
    BMO Harris Bank $565,000 n/a 0.5%
    PREMIA MORTGAGE, LLC $235,000 $540,000 129.8% 0.5%
    NexBank $520,000 n/a 0.5%
    Carrollton Bank $495,000 n/a 0.5%
    Ally Bank $470,000 $490,000 4.3% 0.5%
    The Huntington National Bank $1,105,000 $470,000 -57.5% 0.4%
    JPMorgan Chase Bank $460,000 n/a 0.4%
    USAA Federal Savings Bank $435,000 $445,000 2.3% 0.4%
    Flagstar Bank, FSB $365,000 $430,000 17.8% 0.4%
    DAS Acquisition Company, LLC $1,845,000 $415,000 -77.5% 0.4%
    PENTAGON FEDERAL CREDIT UNION $105,000 $415,000 295.2% 0.4%
    NEWREZ LLC $165,000 $410,000 148.5% 0.4%
    Regional Missouri Bank $405,000 n/a 0.4%
    MidAmerica National Bank $400,000 n/a 0.4%
    First Federal Savings and Loan Association of Lakewood $395,000 n/a 0.4%
    CALIBER HOME LOANS, INC. $595,000 $350,000 -41.2% 0.3%
    First State Bank of St. Charles, Missouri $345,000 n/a 0.3%
    GUARANTEED RATE, INC. $195,000 $345,000 76.9% 0.3%
    Wells Fargo Bank $1,145,000 $335,000 -70.7% 0.3%
    Community National Bank & Trust $325,000 n/a 0.3%
    Cedar Rapids Bank and Trust Company $315,000 n/a 0.3%
    HOMESIDE FINANCIAL, LLC $140,000 $315,000 125.0% 0.3%
    Deere Employees Credit Union $295,000 n/a 0.3%
    RBC Bank, (Georgia) $275,000 n/a 0.3%
    BROKER SOLUTIONS, INC. $2,090,000 $270,000 -87.1% 0.3%
    FAMILY FINANCE MORTGAGE, LLC $270,000 n/a 0.3%
    VELOCITY COMMERCIAL CAPITAL, LLC $265,000 n/a 0.2%
    FIRST STATE MORTGAGE SERVICES, LLC $570,000 $260,000 -54.4% 0.2%
    GUILD MORTGAGE COMPANY $1,090,000 $250,000 -77.1% 0.2%
    PENNYMAC LOAN SERVICES, LLC $740,000 $240,000 -67.6% 0.2%
    First Horizon Bank $125,000 $235,000 88.0% 0.2%
    PNC Bank $235,000 n/a 0.2%
    Barrington Bank & Trust Company, N.A. $365,000 $230,000 -37.0% 0.2%
    MUTUAL OF OMAHA MORTGAGE, INC. $220,000 $225,000 2.3% 0.2%
    VILLAGE CAPITAL MORTGAGE $215,000 n/a 0.2%
    Carrington Mortgage Services, LLC $610,000 $210,000 -65.6% 0.2%
    AMERICAN FINANCIAL RESOURCES, INC. $205,000 n/a 0.2%
    Arvest Bank $205,000 n/a 0.2%
    First State Community Bank $205,000 n/a 0.2%
    Marine Bank $195,000 n/a 0.2%
    R.I.A. Federal Credit Union $195,000 n/a 0.2%
    Bank of England $185,000 n/a 0.2%
    NBKC BANK $95,000 $185,000 94.7% 0.2%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $330,000 $180,000 -45.5% 0.2%
    NEW DAY FINANCIAL, LLC $320,000 $175,000 -45.3% 0.2%
    AMERICAN FINANCING CORPORATION $320,000 $165,000 -48.4% 0.2%
    ALLIANT CREDIT UNION $155,000 n/a 0.1%
    First American Bank $145,000 $155,000 6.9% 0.1%
    Neighborhood Loans, Inc. $150,000 n/a 0.1%
    ARK-LA-TEX FINANCIAL SERVICES, LLC. $145,000 n/a 0.1%
    KeyBank $145,000 n/a 0.1%
    Signature Federal Credit Union $145,000 n/a 0.1%
    TOP FLITE FINANCIAL, INC. $145,000 n/a 0.1%
    Two Rivers Bank & Trust $145,000 n/a 0.1%
    First Bank $135,000 n/a 0.1%
    LOANPAL, LLC $135,000 n/a 0.1%
    UNIVERSITY OF ILLINOIS COMMUNITY $135,000 n/a 0.1%
    AMERICAN FINANCIAL NETWORK, INC. $125,000 n/a 0.1%
    TRIAD FINANCIAL SERVICES, INC. $185,000 $125,000 -32.4% 0.1%
    Busey Bank $95,000 $115,000 21.1% 0.1%
    Heritage Community Bank $115,000 n/a 0.1%
    Discover Bank $110,000 n/a 0.1%
    AMERISAVE MORTGAGE CORPORATION $455,000 $105,000 -76.9% 0.1%
    Exchange Bank of Missouri $105,000 n/a 0.1%
    ALLIANT $95,000 n/a 0.1%
    Centier Bank $95,000 n/a 0.1%
    Bell Bank $85,000 n/a 0.1%
    Bank & Trust Company $75,000 n/a 0.1%
    CITIZENS EQUITY FIRST $775,000 $75,000 -90.3% 0.1%
    GREENSTATE CREDIT UNION $60,000 $70,000 16.7% 0.1%
    21ST MORTGAGE CORPORATION $25,000 $65,000 160.0% 0.1%
    Bank of Kampsville $65,000 n/a 0.1%
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $45,000 n/a 0.0%
    Coastal Community Bank $40,000 n/a 0.0%
    Figure Lending LLC $65,000 $25,000 -61.5% 0.0%

    Quincy's top lender by overall market share is First Bankers Trust Company, with 16.8% market share. In second place, with 16.5%, is United Community Bank, having originated $17,490,000 in loans. In third place, with 9.1%, is CROSSCOUNTRY MORTGAGE, LLC, having originated $9,650,000 in loans. In fourth place, with 8.7%, is HomeBank, having originated $9,280,000 in loans. In fifth place, with 5.0%, is FLAT BRANCH MORTGAGE, INC., having originated $5,305,000 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 $124,950 (-2.7%) $158,261 (-8.5%) 0.00 290
    2018-04-01 $128,075 (-1.4%) $163,545 (-6.6%) 0.00 296
    2018-05-01 $130,725 (-1.7%) $168,252 (-5.6%) 0.00 293
    2018-06-01 $137,950 (7.2%) $174,075 (-0.6%) 0.00 299
    2018-07-01 $134,950 (8.0%) $171,993 (-0.5%) 0.00 303
    2018-08-01 $137,500 (14.6%) $173,352 (2.5%) 0.00 302
    2018-09-01 $136,750 (10.3%) $171,511 (1.0%) 0.00 310
    2018-10-01 $129,975 (6.1%) $163,418 (-1.1%) 0.00 327
    2018-11-01 $133,575 (11.4%) $165,185 (4.5%) 0.00 313
    2018-12-01 $126,000 (7.1%) $162,660 (4.8%) 0.00 302
    2019-01-01 $125,475 (9.1%) $160,417 (4.8%) 0.00 284
    2019-02-01 $127,200 (7.5%) $163,717 (7.8%) 0.00 289
    2019-03-01 $128,529 (2.9%) $165,099 (4.3%) 0.00 309
    2019-04-01 $129,900 (1.4%) $166,995 (2.1%) 0.00 319
    2019-05-01 $132,125 (1.1%) $163,885 (-2.6%) 0.00 314
    2019-06-01 $135,500 (-1.8%) $165,903 (-4.7%) 0.00 301
    2019-07-01 $135,000 (0.0%) $164,882 (-4.1%) 0.00 305
    2019-08-01 $136,091 (-1.0%) $166,078 (-4.2%) 0.00 317
    2019-09-01 $137,727 (0.7%) $167,926 (-2.1%) 0.00 322
    2019-10-01 $139,250 (7.1%) $169,451 (3.7%) 0.00 325
    2019-11-01 $140,900 (5.5%) $171,862 (4.0%) 0.00 316
    2019-12-01 $141,875 (12.6%) $174,271 (7.1%) 0.00 305
    2020-01-01 $139,900 (11.5%) $172,284 (7.4%) 0.00 236
    2020-02-01 $139,900 (10.0%) $174,035 (6.3%) 0.00 214
    2020-03-01 $145,325 (13.1%) $176,931 (7.2%) 0.00 214
    2020-04-01 $141,875 (9.2%) $179,556 (7.5%) 0.00 213
    2020-05-01 $141,200 (6.9%) $182,176 (11.2%) 0.00 292
    2020-06-01 $149,000 (10.0%) $187,400 (13.0%) 0.00 299
    2020-07-01 $147,750 (9.4%) $188,636 (14.4%) 0.00 294
    2020-08-01 $145,000 (6.6%) $183,206 (10.3%) 0.00 278
    2020-09-01 $143,325 (4.1%) $179,374 (6.8%) 0.00 269
    2020-10-01 $145,000 (4.1%) $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 $126,700 (-9.4%) $163,295 (-5.2%) 0.00 189
    2021-02-01 $128,150 (-8.4%) $164,400 (-5.5%) 0.00 186
    2021-03-01 $125,900 (-13.4%) $171,091 (-3.3%) 0.00 167
    2021-04-01 $127,900 (-9.9%) $175,295 (-2.4%) 0.00 184
    2021-05-01 $128,900 (-8.7%) $182,137 (0.0%) 0.00 168
    2021-06-01 $129,625 (-13.0%) $183,614 (-2.0%) 0.00 154
    2021-07-01 $130,950 (-11.4%) $185,807 (-1.5%) 0.00 181
    2021-08-01 $120,000 (-17.2%) $178,507 (-2.6%) 0.00 177
    2021-09-01 $122,950 (-14.2%) $173,756 (-3.1%) 0.00 172
    2021-10-01 $135,000 (-6.9%) $188,975 (5.1%) 0.00 178
    2021-11-01 $134,950 (-4.4%) $198,702 (14.0%) 0.00 153
    2021-12-01 $137,250 (5.8%) $203,079 (25.1%) 0.00 138
    2022-01-01 $129,900 (2.5%) $207,362 (27.0%) 0.00 107
    2022-02-01 $128,150 (0.0%) $205,424 (25.0%) 0.00 123
    2022-03-01 $129,950 (3.2%) $230,172 (34.5%) 0.00 105
    2022-04-01 $147,450 (15.3%) $231,409 (32.0%) 0.00 109
    2022-05-01 $149,900 (16.3%) $224,146 (23.1%) 0.00 128
    2022-06-01 $146,125 (12.7%) $217,443 (18.4%) 0.00 140
    2022-07-01 $159,000 (21.4%) $211,791 (14.0%) 0.00 107
    2022-08-01 $162,600 (35.5%) $203,930 (14.2%) 0.00 112
    2022-09-01 $163,475 (33.0%) $203,997 (17.4%) 0.00 132
    2022-10-01 $149,900 (11.0%) $200,270 (6.0%) 0.00 134
    2022-11-01 $139,900 (3.7%) $187,741 (-5.5%) 0.00 132
    2022-12-01 $129,900 (-5.4%) $174,589 (-14.0%) 0.00 108
    2023-01-01 $130,875 (0.8%) $188,749 (-9.0%) 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 (6.9%) $205,997 (-2.7%) 0.00 126
    2023-08-01 $163,725 (0.7%) $192,413 (-5.7%) 0.00 123
    2023-09-01 $169,900 (3.9%) $204,493 (0.2%) 0.00 115
    2023-10-01 $169,900 (13.3%) $201,163 (0.5%) 0.00 132
    2023-11-01 $148,500 (6.2%) $184,784 (-1.6%) 0.00 137
    2023-12-01 $145,000 (11.6%) $179,092 (2.6%) 0.00 131
    2024-01-01 $149,900 (14.5%) $194,937 (3.3%) 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 $146,000 (-10.1%) $206,873 (-1.0%) 0.00 119
    2024-05-01 $167,350 (-3.0%) $221,988 (-0.7%) 0.00 116
    2024-06-01 $155,000 (-9.4%) $218,693 (0.4%) 0.00 125
    2024-07-01 $179,400 (5.5%) $246,106 (19.5%) 0.00 136
    2024-08-01 $169,950 (3.8%) $240,082 (24.8%) 0.00 118
    2024-09-01 $178,950 (5.3%) $241,603 (18.2%) 0.00 129
    2024-10-01 $187,450 (10.3%) $250,328 (24.4%) 0.00 135
    2024-11-01 $194,450 (30.9%) $246,470 (33.4%) 0.00 146
    Quincy's median listing price for 2024-11-01 was $194,450, a difference of $45,950 (30.9%) versus the prior year and $7,000 versus the prior month.

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

    Quincy's average listing price for 2024-11-01 was $246,470, a difference of $61,686 (33.4%) versus the prior year and $-3,858 versus the prior month.

    For the 2024-11-01 period, Quincy had 146 MLS listings, a difference of 11 listings (8%) versus the prior month and 9 listings (7%) 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 1,587 sqft
    2018-05-01 0 days 1,540 sqft
    2018-06-01 0 days 1,576 sqft
    2018-07-01 0 days 1,569 sqft
    2018-08-01 0 days 1,600 sqft
    2018-09-01 0 days 1,623 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 1,596 sqft
    2019-03-01 0 days 1,585 sqft
    2019-04-01 0 days 1,586 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 1,644 sqft
    2020-01-01 0 days 1,648 sqft
    2020-02-01 0 days 1,650 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 1,561 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 1,470 sqft
    2021-02-01 0 days 1,477 sqft
    2021-03-01 0 days 1,534 sqft
    2021-04-01 0 days 1,530 sqft
    2021-05-01 0 days 1,582 sqft
    2021-06-01 0 days 1,613 sqft
    2021-07-01 0 days 1,577 sqft
    2021-08-01 0 days 1,482 sqft
    2021-09-01 0 days 1,467 sqft
    2021-10-01 0 days 1,482 sqft
    2021-11-01 0 days 1,534 sqft
    2021-12-01 0 days 1,550 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 1,570 sqft
    2022-08-01 0 days 1,636 sqft
    2022-09-01 0 days 1,638 sqft
    2022-10-01 0 days 1,631 sqft
    2022-11-01 0 days 1,624 sqft
    2022-12-01 0 days 1,600 sqft
    2023-01-01 0 days 1,593 sqft
    2023-02-01 0 days 1,634 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 1,531 sqft
    2024-01-01 0 days 1,572 sqft
    2024-02-01 0 days 1,552 sqft
    2024-03-01 0 days 1,553 sqft
    2024-04-01 0 days 1,454 sqft
    2024-05-01 0 days 1,501 sqft
    2024-06-01 0 days 1,536 sqft
    2024-07-01 0 days 1,594 sqft
    2024-08-01 0 days 1,637 sqft
    2024-09-01 0 days 1,724 sqft
    2024-10-01 0 days 1,754 sqft
    2024-11-01 0 days 1,783 sqft
    Quincy's median listing age (time on market) for 2024-11-01 was 0 days.

    Quincy's median square footage for active listings during the 2024-11-01 period was 1,783 sqft. One year prior, the average listing was 1,508 sqft.

    Quincy, IL-MO Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 563 $86,365,000 $153,401
    Refi 87 $8,955,000 $102,931
    Cash Out Refi 63 $6,915,000 $109,762
    Home Improvement 36 $1,560,000 $43,333
    Other 24 $2,280,000 $95,000

    Quincy's most frequently cited loan purpose was Home Purchase, with 563 originations. The 2nd most popular reason was Refi, with 87 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    6-7% 320 $46,470,000 $145,219
    7-8% 222 $34,710,000 $156,351
    5-6% 101 $14,595,000 $144,505
    Over 8% 73 $6,425,000 $88,014
    4-5% 45 $2,205,000 $49,000
    <2.5% 1 $5,000 $5,000
    3-4% 1 $85,000 $85,000

    During 2023, Quincy's most frequently originated rate bucket was 6-7%, with 320 originations.

    Loan Sizing (Quincy, IL-MO MSA)

    Loan Size Originations Total Value Average Loan
    $100k-200k 334 $46,210,000 $138,353
    $100,000 or less 295 $16,125,000 $54,661
    $200k-400k 118 $31,500,000 $266,949
    $400k-600k 25 $11,605,000 $464,200
    $600k-1000k 1 $635,000 $635,000

    Quincy's loan sizing saw the bucket of loans from $100k-200k with 334 originations, totaling $46,210,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 395 $62,695,000 $158,722
    60-80% 172 $27,120,000 $157,674
    Under 20% 77 $2,245,000 $29,156
    20-40% 71 $5,845,000 $82,324
    40-60% 43 $5,415,000 $125,930
    Over 100% 4 $850,000 $212,500

    Quincy's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 395 originations, totaling $62,695,000 in origination value.