St. Marys Mortgage Rates & Closing Costs

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

    30 Year Fixed Rate mortgages in St. Marys averaged 7.05% for the week of 2024-04-18, compared to the national average of 7.1% for the same period.

    The average rate for the prior week (2024-04-11) was 6.83% and one month ago for the week of 2024-03-14, the average rate was 6.69%.

    St. Marys's average rate one year ago was 6.22%.

    For refis of the same type during the week of 2024-04-18, the average rate was 7.1%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2024-04-18 7.1%
    St. Marys 30 Year Fixed Rate 2024-04-18 7.05%
    St. Marys 30 Year Fixed Rate Refi 2024-04-18 7.1%
    St. Marys 15 Year Fixed Rate 2024-04-18 6.39%
    St. Marys 15 Year Fixed Rate Refi 2024-04-18 6.69%
    St. Marys 30 Year FHA 2024-04-18 6.75%
    St. Marys 30 Year FHA Refi 2024-04-18 6.86%
    St. Marys 30 Year USDA 2024-04-18 6.86%
    St. Marys 30 Year USDA Refi 2024-04-18 6.76%
    St. Marys 30 Year VA 2024-04-18 6.42%
    St. Marys 30 Year VA Refi 2024-04-18 6.96%
    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within St. Marys, GA.

    St. Marys 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 St. Marys, GA market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    QUICKEN LOANS, LLC 77 6.74% $6,214
    GUARANTEED RATE, INC. 33 6.54% $5,938
    DHI MORTGAGE COMPANY, LTD. 25 5.89% $2,569
    UNITED WHOLESALE MORTGAGE, LLC 19 6.83% $7,038
    NAVY FEDERAL CREDIT UNION 18 6.42% $4,696
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 9 6.95% $6,585
    EMM LOANS LLC 8 7.28% $4,884
    PENNYMAC LOAN SERVICES, LLC 8 6.83% $5,924
    Capital City Home Loans, LLC 7 6.66% $7,077
    Wells Fargo Bank 6 6.83% $6,819
    NBKC BANK 6 6.48% $4,592
    Ameris Bank 5 6.80% $6,716
    THRIVE MORTGAGE, LLC 5 6.65% $8,601
    AMERISAVE MORTGAGE CORPORATION 4 5.97% $11,048
    BROKER SOLUTIONS, INC. 4 7.09% $5,434
    Bank of America 4 6.53% $4,631
    COMMUNITY FIRST CREDIT UNION OF FLO 4 6.46% $3,128
    Regions Bank 4 5.81% $8,698
    INTERCOASTAL MORTGAGE COMPANY 3 6.67% $10,275
    JPMorgan Chase Bank 3 6.57% $3,821
    Mr. Cooper ( Nationstar Mortgage ) 3 6.79% $8,016
    Plains Commerce Bank 3 6.33% $8,676
    PrimeSouth Bank 3 6.50% $8,469
    Truist 3 6.56% $3,372
    HOMEBRIDGE FINANCIAL SERVICES, INC. 3 6.50% $10,788
    USAA Federal Savings Bank 3 7.21% $4,389
    Paramount Residential Mortgage Group, Inc. 2 6.75% $9,729
    CMG MORTGAGE, INC. 2 6.06% $11,844
    SeaTrust Mortgage Company 2 7.00% $3,898
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 2 6.44% $9,187
    Synovus Bank 2 6.69% $4,919
    NexBank 2 6.63% $5,276
    INTERSTATE UNLIMITED Federal Credit Union 2 7.00% $2,163
    MOVEMENT MORTGAGE, LLC 2 6.68% $7,435
    UNION HOME MORTGAGE CORP. 2 6.81% $6,999
    Gateway First Bank 2 7.56% $5,278
    Dollar Bank, Federal Savings Bank 2 7.31% $7,714
    PNC Bank 2 6.38% $5,485
    Citizens Bank 2 7.00% $5,782
    PENTAGON FEDERAL CREDIT UNION 2 6.19% $2,704
    UBS Bank USA 1 6.13% $4,661
    United Community Bank 1 7.63% $9,863
    U.S. Bank 1 6.50% $2,942
    M&T Bank 1 7.63% $3,097
    ACADEMY MORTGAGE CORPORATION 1 6.75% $4,394
    Advisors Mortgage Group, L.L.C. 1 5.75% $2,904
    Ally Bank 1 7.25% $5,048
    AMERICAN FINANCIAL NETWORK, INC. 1 6.38% $2,255
    AMERICAN PACIFIC MORTGAGE CORPORATION 1 7.13% $9,992
    ATLANTIC BAY MORTGAGE GROUP, L.L.C. 1 7.99% $3,704
    BancorpSouth 1 7.13% $5,274
    Bank of England 1 6.63% $5,043
    BAY EQUITY LLC 1 7.50% $18,290
    BETTER MORTGAGE CORPORATION 1 5.25% $9,253
    Carrington Mortgage Services, LLC 1 6.75% $8,588
    CHURCHILL MORTGAGE CORPORATION 1 7.38% $4,899
    CityWorth Mortgage LLC 1 5.00% $1,290
    CROSSCOUNTRY MORTGAGE, LLC 1 6.58% $4,097
    FAIRWINDS CREDIT UNION 1 6.13% $5,315
    Farmers Bank & Trust 1 5.63% $4,632
    Fifth Third Bank 1 6.63% $3,861
    First-Citizens Bank & Trust Company 1 5.39% $2,286
    FIRST COMMUNITY MORTGAGE, INC. 1 6.50% $9,391
    First Federal Bank 1 6.25% $8,088
    Flagstar Bank, FSB 1 7.63% $5,333
    FREEDOM MORTGAGE CORPORATION 1 6.75% $8,736
    Frontier Bank 1 6.88% $3,116
    GEORGIA'S OWN 1 5.13% $5,587
    HOMESTAR FINANCIAL CORPORATION 1 6.25% $3,402
    INSPIRE HOME LOANS INC. 1 7.00% $4,647
    LAKEVIEW LOAN SERVICING, LLC 1 6.13% $8,710
    LOANDEPOT.COM, LLC 1 7.13% $7,468
    Mortgage Research Center, LLC 1 5.88% $4,963
    21ST MORTGAGE CORPORATION 1 8.60% $5,145
    MUTUAL OF OMAHA MORTGAGE, INC. 1 7.25% $3,905
    NEWREZ LLC 1 6.00% $3,647
    NFM, INC. 1 6.99% $11,920
    North American Savings Bank, F.S.B. 1 9.50% $5,016
    Northpointe Bank 1 6.63% $7,941
    NORWICH COMMERCIAL GROUP, INC. 1 7.63% $6,272
    Peoples Bank 1 6.00% $3,661
    ROYAL UNITED MORTGAGE LLC 1 7.13% $6,071
    South State Bank 1 6.38% $4,163

    St. Marys Average Closing Costs & Other Stats

    St. Marys, GA's 83 lenders originated 1,470 loans during 2023. The total origination value was $395,230,000, with an average loan value of $268,864.

    St. Marys's average closing costs are $5,700.

    The top St. Marys lender as defined by loan originations is QUICKEN LOANS, LLC, with 77 loans originated. Their average total fees are $6,214, which is $276 higher than the next largest lender, GUARANTEED RATE, INC..

    The lowest fee St. Marys lenders (with over 10 loans originated) are DHI MORTGAGE COMPANY, LTD. ($2,569), NAVY FEDERAL CREDIT UNION ($4,696), GUARANTEED RATE, INC. ($5,938), QUICKEN LOANS, LLC ($6,214) and UNITED WHOLESALE MORTGAGE, LLC ($7,038).

    The lowest rate St. Marys lenders (with over 10 loans originated) are DHI MORTGAGE COMPANY, LTD. (5.89%), NAVY FEDERAL CREDIT UNION (6.42%), GUARANTEED RATE, INC. (6.54%), QUICKEN LOANS, LLC (6.74%) and UNITED WHOLESALE MORTGAGE, LLC (6.83%).

    St. Marys, GA 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
    QUICKEN LOANS, LLC $71,115,000 $61,380,000 -13.7% 15.5%
    GUARANTEED RATE, INC. $49,025,000 $36,830,000 -24.9% 9.3%
    NAVY FEDERAL CREDIT UNION $48,560,000 $36,715,000 -24.4% 9.3%
    GREYSTONE FUNDING COMPANY LLC $28,425,000 n/a 7.2%
    Mortgage Research Center, LLC $35,000,000 $24,845,000 -29.0% 6.3%
    DHI MORTGAGE COMPANY, LTD. $14,540,000 $14,060,000 -3.3% 3.6%
    NBKC BANK $19,025,000 $13,210,000 -30.6% 3.3%
    UNITED WHOLESALE MORTGAGE, LLC $22,400,000 $12,625,000 -43.6% 3.2%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $18,990,000 $9,745,000 -48.7% 2.5%
    THRIVE MORTGAGE, LLC $1,375,000 $7,655,000 456.7% 1.9%
    PENNYMAC LOAN SERVICES, LLC $10,415,000 $7,215,000 -30.7% 1.8%
    CMG MORTGAGE, INC. $640,000 $6,070,000 848.4% 1.5%
    EMM LOANS LLC $7,410,000 $5,870,000 -20.8% 1.5%
    Century Mortgage Company DBA Century Lending Company $5,665,000 $5,795,000 2.3% 1.5%
    FREEDOM MORTGAGE CORPORATION $6,165,000 $5,585,000 -9.4% 1.4%
    Morris Bank $4,845,000 n/a 1.2%
    HOMEBRIDGE FINANCIAL SERVICES, INC. $11,290,000 $3,785,000 -66.5% 1.0%
    PrimeSouth Bank $3,625,000 $3,490,000 -3.7% 0.9%
    Southeastern Bank $955,000 $3,445,000 260.7% 0.9%
    Ameris Bank $6,245,000 $2,875,000 -54.0% 0.7%
    LOANDEPOT.COM, LLC $5,880,000 $2,765,000 -53.0% 0.7%
    Paramount Residential Mortgage Group, Inc. $2,110,000 $2,640,000 25.1% 0.7%
    Wells Fargo Bank $3,445,000 $2,625,000 -23.8% 0.7%
    INTERCOASTAL MORTGAGE COMPANY $1,600,000 $2,600,000 62.5% 0.7%
    BROKER SOLUTIONS, INC. $1,395,000 $2,580,000 84.9% 0.7%
    MUTUAL OF OMAHA MORTGAGE, INC. $815,000 $2,420,000 196.9% 0.6%
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $490,000 $2,410,000 391.8% 0.6%
    USAA Federal Savings Bank $3,100,000 $2,155,000 -30.5% 0.5%
    AMERISAVE MORTGAGE CORPORATION $1,645,000 $2,145,000 30.4% 0.5%
    21ST MORTGAGE CORPORATION $3,280,000 $2,125,000 -35.2% 0.5%
    Capital City Home Loans, LLC $2,440,000 $2,080,000 -14.8% 0.5%
    Regions Bank $2,355,000 $2,035,000 -13.6% 0.5%
    PENTAGON FEDERAL CREDIT UNION $1,805,000 $2,025,000 12.2% 0.5%
    NEWREZ LLC $3,365,000 $1,985,000 -41.0% 0.5%
    MOVEMENT MORTGAGE, LLC $1,735,000 $1,800,000 3.7% 0.5%
    Bank of America $1,755,000 $1,760,000 0.3% 0.4%
    NEW DAY FINANCIAL, LLC $2,360,000 $1,755,000 -25.6% 0.4%
    Carrington Mortgage Services, LLC $1,625,000 $1,725,000 6.2% 0.4%
    Mr. Cooper ( Nationstar Mortgage ) $5,435,000 $1,565,000 -71.2% 0.4%
    Citizens Bank $3,665,000 $1,505,000 -58.9% 0.4%
    CROSSCOUNTRY MORTGAGE, LLC $2,950,000 $1,405,000 -52.4% 0.4%
    Synovus Bank $1,485,000 $1,405,000 -5.4% 0.4%
    Plains Commerce Bank $245,000 $1,400,000 471.4% 0.4%
    CARDINAL FINANCIAL $965,000 $1,220,000 26.4% 0.3%
    VILLAGE CAPITAL MORTGAGE $990,000 $1,215,000 22.7% 0.3%
    BERKELEY POINT CAPITAL LLC $4,805,000 $1,145,000 -76.2% 0.3%
    JPMorgan Chase Bank $1,265,000 $1,125,000 -11.1% 0.3%
    Prosperity Home Mortgage, LLC $1,230,000 $1,120,000 -8.9% 0.3%
    United Community Bank $2,065,000 $1,090,000 -47.2% 0.3%
    GEORGIA'S OWN $420,000 $1,065,000 153.6% 0.3%
    COMMUNITY FIRST CREDIT UNION OF FLO $350,000 $1,010,000 188.6% 0.3%
    ATLANTIC BAY MORTGAGE GROUP, L.L.C. $990,000 $970,000 -2.0% 0.2%
    The Federal Savings Bank $1,725,000 $960,000 -44.3% 0.2%
    GUARANTEED RATE AFFINITY, LLC $1,125,000 $955,000 -15.1% 0.2%
    First Federal Bank $2,510,000 $950,000 -62.2% 0.2%
    Flagstar Bank, FSB $1,300,000 $950,000 -26.9% 0.2%
    Truist $1,880,000 $925,000 -50.8% 0.2%
    Bank of England $825,000 $905,000 9.7% 0.2%
    INSPIRE HOME LOANS INC. $900,000 n/a 0.2%
    Gateway First Bank $1,685,000 $865,000 -48.7% 0.2%
    Fifth Third Bank $960,000 $820,000 -14.6% 0.2%
    The Central Trust Bank $440,000 $820,000 86.4% 0.2%
    The First, A National Banking Association $810,000 n/a 0.2%
    MORTGAGE SOLUTIONS OF COLORADO, LLC $700,000 $740,000 5.7% 0.2%
    NexBank $1,335,000 $730,000 -45.3% 0.2%
    BAY EQUITY LLC $720,000 n/a 0.2%
    Dollar Bank, Federal Savings Bank $700,000 n/a 0.2%
    UNION HOME MORTGAGE CORP. $205,000 $695,000 239.0% 0.2%
    FIRST COMMUNITY MORTGAGE, INC. $670,000 n/a 0.2%
    TOP FLITE FINANCIAL, INC. $185,000 $670,000 262.2% 0.2%
    PNC Bank $1,520,000 $645,000 -57.6% 0.2%
    SeaTrust Mortgage Company $780,000 $640,000 -17.9% 0.2%
    VANDERBILT MORTGAGE AND FINANCE, INC. $1,080,000 $640,000 -40.7% 0.2%
    PLANET HOME LENDING, LLC $1,220,000 $630,000 -48.4% 0.2%
    HOMESTAR FINANCIAL CORPORATION $4,195,000 $600,000 -85.7% 0.2%
    Wolfe Financial, Inc $155,000 $590,000 280.6% 0.1%
    CALIBER HOME LOANS, INC. $14,590,000 $585,000 -96.0% 0.1%
    PRIMELENDING, A PLAINSCAPITAL COMPANY $1,460,000 $570,000 -61.0% 0.1%
    Farmers Bank & Trust $565,000 n/a 0.1%
    CHURCHILL MORTGAGE CORPORATION $560,000 n/a 0.1%
    HOMESIDE FINANCIAL, LLC $345,000 $550,000 59.4% 0.1%
    BETTER MORTGAGE CORPORATION $1,085,000 $535,000 -50.7% 0.1%
    Platinum Home Mortgage Corporation $520,000 n/a 0.1%
    ZILLOW HOME LOANS, LLC $365,000 $520,000 42.5% 0.1%
    ACADEMY MORTGAGE CORPORATION $420,000 $495,000 17.9% 0.1%
    VYSTAR $1,040,000 $495,000 -52.4% 0.1%
    FINANCE OF AMERICA REVERSE LLC $485,000 n/a 0.1%
    South State Bank $670,000 $485,000 -27.6% 0.1%
    BancorpSouth $475,000 n/a 0.1%
    CLEARPATH LENDING $215,000 $475,000 120.9% 0.1%
    M&T Bank $525,000 $460,000 -12.4% 0.1%
    New Century Bank $455,000 n/a 0.1%
    SOUTH COAST BANK AND TRUST $450,000 n/a 0.1%
    LOANPAL, LLC $440,000 n/a 0.1%
    AMERICAN PACIFIC MORTGAGE CORPORATION $835,000 $410,000 -50.9% 0.1%
    AgFirst Farm Credit Bank $1,695,000 $385,000 -77.3% 0.1%
    DELTA COMMUNITY CREDIT UNION $65,000 $385,000 492.3% 0.1%
    Figure Lending LLC $370,000 $385,000 4.1% 0.1%
    UNIVERSAL MORTGAGE & FINANCE, INC. $385,000 n/a 0.1%
    SUN WEST MORTGAGE COMPANY, INC. $375,000 n/a 0.1%
    BNC National Bank $355,000 n/a 0.1%
    INTERSTATE UNLIMITED Federal Credit Union $125,000 $340,000 172.0% 0.1%
    First-Citizens Bank & Trust Company $325,000 n/a 0.1%
    Origin Bank $325,000 n/a 0.1%
    Sunflower Bank $890,000 $325,000 -63.5% 0.1%
    RELIANCE FIRST CAPITAL, LLC $425,000 $315,000 -25.9% 0.1%
    GUARANTY HOME MORTGAGE CORPORATION $305,000 n/a 0.1%
    AMERICAN FINANCIAL NETWORK, INC. $285,000 n/a 0.1%
    Northpointe Bank $885,000 $285,000 -67.8% 0.1%
    ACOPIA, LLC $215,000 $275,000 27.9% 0.1%
    MORTGAGEONE, INC. $275,000 n/a 0.1%
    Waterstone Mortgage Corporation $265,000 n/a 0.1%
    BANK OF MADISON $255,000 n/a 0.1%
    CNB Bank $255,000 n/a 0.1%
    Country Club Bank $255,000 n/a 0.1%
    EVERETT FINANCIAL, INC. $615,000 $255,000 -58.5% 0.1%
    FAIRWINDS CREDIT UNION $135,000 $255,000 88.9% 0.1%
    First Option Mortgage, LLC $255,000 n/a 0.1%
    GUILD MORTGAGE COMPANY $285,000 $255,000 -10.5% 0.1%
    LAKEVIEW LOAN SERVICING, LLC $1,940,000 $255,000 -86.9% 0.1%
    LIBERTY HOME MORTGAGE CORPORATION $205,000 $245,000 19.5% 0.1%
    TJC Mortgage, Inc. $325,000 $245,000 -24.6% 0.1%
    PLAZA HOME MORTGAGE, INC. $460,000 $235,000 -48.9% 0.1%
    UBS Bank USA $235,000 n/a 0.1%
    NATIONS DIRECT MORTGAGE, LLC $500,000 $230,000 -54.0% 0.1%
    NFM, INC. $225,000 n/a 0.1%
    Ally Bank $245,000 $215,000 -12.2% 0.1%
    Equity Prime Mortgage LLC $1,990,000 $215,000 -89.2% 0.1%
    MIDLAND MORTGAGE CORPORATION $215,000 n/a 0.1%
    AMERICAN FINANCIAL RESOURCES, INC. $205,000 n/a 0.1%
    Mid-Continent Funding, Inc. $895,000 $205,000 -77.1% 0.1%
    PHH Mortgage Corporation $115,000 $205,000 78.3% 0.1%
    MORTGAGE INVESTORS GROUP, INC. $195,000 n/a 0.0%
    OPEN MORTGAGE, LLC $195,000 n/a 0.0%
    North American Savings Bank, F.S.B. $435,000 $185,000 -57.5% 0.0%
    NORWICH COMMERCIAL GROUP, INC. $185,000 n/a 0.0%
    Peoples Bank $175,000 n/a 0.0%
    1ST SIGNATURE LENDING, LLC $165,000 n/a 0.0%
    Advisors Mortgage Group, L.L.C. $165,000 n/a 0.0%
    CityWorth Mortgage LLC $205,000 $165,000 -19.5% 0.0%
    Discover Bank $335,000 $165,000 -50.7% 0.0%
    LENDINGHOME FUNDING CORPORATION $175,000 $165,000 -5.7% 0.0%
    MEMBER FIRST MORTGAGE, LLC $155,000 n/a 0.0%
    MILEND, INC. $1,100,000 $155,000 -85.9% 0.0%
    U.S. Bank $805,000 $150,000 -81.4% 0.0%
    Frontier Bank $145,000 n/a 0.0%
    PROVIDENT FUNDING ASSOCIATES, L.P. $145,000 n/a 0.0%
    DOMINION FINANCIAL SERVICES, LLC $125,000 n/a 0.0%
    SOUTHWEST STAGE FUNDING, LLC $705,000 $125,000 -82.3% 0.0%
    ROYAL UNITED MORTGAGE LLC $105,000 n/a 0.0%
    Florida Capital Bank $90,000 n/a 0.0%
    Deere Employees Credit Union $85,000 n/a 0.0%
    QUORUM FEDERAL CREDIT UNION $85,000 n/a 0.0%
    Third Federal Savings and Loan Association of Cleveland $145,000 $55,000 -62.1% 0.0%
    Lakeview Community Capital, LLC $35,000 n/a 0.0%

    St. Marys's top lender by overall market share is QUICKEN LOANS, LLC, with 15.5% market share. In second place, with 9.3%, is GUARANTEED RATE, INC., having originated $36,830,000 in loans. In third place, with 9.3%, is NAVY FEDERAL CREDIT UNION, having originated $36,715,000 in loans. In fourth place, with 7.2%, is GREYSTONE FUNDING COMPANY LLC, having originated $28,425,000 in loans. In fifth place, with 6.3%, is Mortgage Research Center, LLC, having originated $24,845,000 in loans.

    St. Marys Housing Market Trends (Median, Average Prices & Listing Count)

    Realtor.com - St. Marys (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 $219,948 (-2.2%) $258,449 (2.6%) 0.00 302
    2018-02-01 $225,000 (-0.4%) $272,766 (6.8%) 0.00 301
    2018-03-01 $229,000 (4.1%) $265,182 (4.1%) 0.00 310
    2018-04-01 $234,450 (7.1%) $277,752 (7.6%) 0.00 302
    2018-05-01 $239,000 (12.8%) $283,658 (11.4%) 0.00 297
    2018-06-01 $233,900 (13.6%) $281,865 (11.2%) 0.00 324
    2018-07-01 $229,995 (12.5%) $276,414 (11.0%) 0.00 341
    2018-08-01 $228,223 (12.4%) $279,778 (13.2%) 0.00 355
    2018-09-01 $225,000 (10.8%) $278,298 (13.4%) 0.00 360
    2018-10-01 $219,700 (5.4%) $271,280 (7.7%) 0.00 390
    2018-11-01 $217,000 (1.3%) $264,388 (3.5%) 0.00 403
    2018-12-01 $219,250 (-0.8%) $266,210 (2.2%) 0.00 382
    2019-01-01 $217,000 (-1.3%) $270,291 (4.6%) 0.00 340
    2019-02-01 $215,000 (-4.4%) $274,317 (0.6%) 0.00 338
    2019-03-01 $218,086 (-4.8%) $283,136 (6.8%) 0.00 323
    2019-04-01 $217,136 (-7.4%) $287,116 (3.4%) 0.00 307
    2019-05-01 $219,444 (-8.2%) $285,606 (0.7%) 0.00 298
    2019-06-01 $219,450 (-6.2%) $282,672 (0.3%) 0.00 299
    2019-07-01 $234,850 (2.1%) $286,517 (3.7%) 0.00 296
    2019-08-01 $238,873 (4.7%) $288,399 (3.1%) 0.00 283
    2019-09-01 $245,132 (9.0%) $292,904 (5.3%) 0.00 265
    2019-10-01 $251,250 (14.4%) $295,665 (9.0%) 0.00 253
    2019-11-01 $255,000 (17.5%) $293,965 (11.2%) 0.00 268
    2019-12-01 $249,900 (14.0%) $298,622 (12.2%) 0.00 256
    2020-01-01 $249,925 (15.2%) $302,512 (11.9%) 0.00 249
    2020-02-01 $240,000 (11.6%) $299,970 (9.4%) 0.00 241
    2020-03-01 $264,900 (21.5%) $321,032 (13.4%) 0.00 230
    2020-04-01 $277,400 (27.8%) $322,687 (12.4%) 0.00 230
    2020-05-01 $299,900 (36.7%) $337,981 (18.3%) 0.00 198
    2020-06-01 $304,725 (38.9%) $342,977 (21.3%) 0.00 202
    2020-07-01 $299,225 (27.4%) $338,687 (18.2%) 0.00 196
    2020-08-01 $296,000 (23.9%) $337,613 (17.1%) 0.00 175
    2020-09-01 $287,400 (17.2%) $334,702 (14.3%) 0.00 180
    2020-10-01 $289,000 (15.0%) $335,727 (13.6%) 0.00 185
    2020-11-01 $294,446 (15.5%) $339,651 (15.5%) 0.00 175
    2020-12-01 $288,998 (15.7%) $336,245 (12.6%) 0.00 177
    2021-01-01 $290,000 (16.0%) $345,105 (14.1%) 0.00 137
    2021-02-01 $290,425 (21.0%) $363,020 (21.0%) 0.00 120
    2021-03-01 $314,900 (18.9%) $386,511 (20.4%) 0.00 101
    2021-04-01 $318,250 (14.7%) $403,673 (25.1%) 0.00 67
    2021-05-01 $299,450 (-0.2%) $394,747 (16.8%) 0.00 76
    2021-06-01 $302,450 (-0.8%) $378,796 (10.4%) 0.00 88
    2021-07-01 $299,900 (0.2%) $367,062 (8.4%) 0.00 105
    2021-08-01 $298,200 (0.7%) $360,316 (6.7%) 0.00 115
    2021-09-01 $294,800 (2.6%) $375,190 (12.1%) 0.00 95
    2021-10-01 $309,900 (7.2%) $379,014 (12.9%) 0.00 112
    2021-11-01 $332,500 (12.9%) $366,393 (7.9%) 0.00 119
    2021-12-01 $322,450 (11.6%) $413,703 (23.0%) 0.00 119
    2022-01-01 $349,050 (20.4%) $438,966 (27.2%) 0.00 105
    2022-02-01 $386,250 (33.0%) $488,974 (34.7%) 0.00 83
    2022-03-01 $380,970 (21.0%) $487,457 (26.1%) 0.00 62
    2022-04-01 $378,195 (18.8%) $500,733 (24.0%) 0.00 65
    2022-05-01 $377,200 (26.0%) $473,122 (19.9%) 0.00 79
    2022-06-01 $377,473 (24.8%) $476,163 (25.7%) 0.00 92
    2022-07-01 $370,000 (23.4%) $443,883 (20.9%) 0.00 133
    2022-08-01 $387,150 (29.8%) $443,300 (23.0%) 0.00 143
    2022-09-01 $369,900 (25.5%) $419,402 (11.8%) 0.00 143
    2022-10-01 $371,400 (19.9%) $423,875 (11.8%) 0.00 159
    2022-11-01 $368,323 (10.8%) $431,167 (17.7%) 0.00 175
    2022-12-01 $359,900 (11.6%) $411,294 (-0.6%) 0.00 172
    2023-01-01 $369,900 (6.0%) $423,141 (-3.6%) 0.00 149
    2023-02-01 $369,900 (-4.2%) $425,228 (-13.0%) 0.00 125
    2023-03-01 $399,900 (5.0%) $453,802 (-6.9%) 0.00 124
    2023-04-01 $397,486 (5.1%) $491,219 (-1.9%) 0.00 124
    2023-05-01 $399,900 (6.0%) $507,175 (7.2%) 0.00 133
    2023-06-01 $390,098 (3.3%) $486,653 (2.2%) 0.00 163
    2023-07-01 $366,900 (-0.8%) $477,858 (7.7%) 0.00 170
    2023-08-01 $356,425 (-7.9%) $460,405 (3.9%) 0.00 178
    2023-09-01 $354,400 (-4.2%) $462,125 (10.2%) 0.00 194
    2023-10-01 $350,950 (-5.5%) $461,612 (8.9%) 0.00 215
    2023-11-01 $349,300 (-5.2%) $455,358 (5.6%) 0.00 225
    2023-12-01 $351,900 (-2.2%) $457,099 (11.1%) 0.00 218
    2024-01-01 $356,400 (-3.7%) $445,373 (5.3%) 0.00 228
    2024-02-01 $374,095 (1.1%) $455,591 (7.1%) 0.00 213
    2024-03-01 $376,900 (-5.8%) $462,695 (2.0%) 0.00 226
    St. Marys's median listing price for 2024-03-01 was $376,900, a difference of $-23,000 (-5.8%) versus the prior year and $2,805 versus the prior month.

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

    St. Marys's average listing price for 2024-03-01 was $462,695, a difference of $8,893 (2.0%) versus the prior year and $7,104 versus the prior month.

    For the 2024-03-01 period, St. Marys had 226 MLS listings, a difference of 13 listings (6%) versus the prior month and 102 listings (82%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - St. Marys (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 2,073 sqft
    2018-02-01 0 days 2,108 sqft
    2018-03-01 0 days 2,083 sqft
    2018-04-01 0 days 2,081 sqft
    2018-05-01 0 days 2,078 sqft
    2018-06-01 0 days 2,081 sqft
    2018-07-01 0 days 2,026 sqft
    2018-08-01 0 days 2,054 sqft
    2018-09-01 0 days 2,036 sqft
    2018-10-01 0 days 1,984 sqft
    2018-11-01 0 days 1,934 sqft
    2018-12-01 0 days 1,947 sqft
    2019-01-01 0 days 1,922 sqft
    2019-02-01 0 days 1,937 sqft
    2019-03-01 0 days 1,960 sqft
    2019-04-01 0 days 1,994 sqft
    2019-05-01 0 days 1,954 sqft
    2019-06-01 0 days 1,946 sqft
    2019-07-01 0 days 2,012 sqft
    2019-08-01 0 days 2,012 sqft
    2019-09-01 0 days 2,046 sqft
    2019-10-01 0 days 2,071 sqft
    2019-11-01 0 days 2,065 sqft
    2019-12-01 0 days 2,062 sqft
    2020-01-01 0 days 2,045 sqft
    2020-02-01 0 days 2,034 sqft
    2020-03-01 0 days 2,061 sqft
    2020-04-01 0 days 2,088 sqft
    2020-05-01 0 days 2,180 sqft
    2020-06-01 0 days 2,255 sqft
    2020-07-01 0 days 2,215 sqft
    2020-08-01 0 days 2,137 sqft
    2020-09-01 0 days 2,155 sqft
    2020-10-01 0 days 2,100 sqft
    2020-11-01 0 days 2,099 sqft
    2020-12-01 0 days 2,080 sqft
    2021-01-01 0 days 2,103 sqft
    2021-02-01 0 days 2,060 sqft
    2021-03-01 0 days 2,066 sqft
    2021-04-01 0 days 2,070 sqft
    2021-05-01 0 days 1,997 sqft
    2021-06-01 0 days 2,076 sqft
    2021-07-01 0 days 2,000 sqft
    2021-08-01 0 days 2,059 sqft
    2021-09-01 0 days 1,997 sqft
    2021-10-01 0 days 2,026 sqft
    2021-11-01 0 days 2,040 sqft
    2021-12-01 0 days 2,044 sqft
    2022-01-01 0 days 2,114 sqft
    2022-02-01 0 days 2,155 sqft
    2022-03-01 0 days 2,089 sqft
    2022-04-01 0 days 2,100 sqft
    2022-05-01 0 days 2,084 sqft
    2022-06-01 0 days 2,102 sqft
    2022-07-01 0 days 2,130 sqft
    2022-08-01 0 days 2,132 sqft
    2022-09-01 0 days 2,055 sqft
    2022-10-01 0 days 2,101 sqft
    2022-11-01 0 days 2,044 sqft
    2022-12-01 0 days 2,036 sqft
    2023-01-01 0 days 2,014 sqft
    2023-02-01 0 days 2,028 sqft
    2023-03-01 0 days 2,117 sqft
    2023-04-01 0 days 2,096 sqft
    2023-05-01 0 days 2,061 sqft
    2023-06-01 0 days 2,064 sqft
    2023-07-01 0 days 2,045 sqft
    2023-08-01 0 days 2,039 sqft
    2023-09-01 0 days 2,008 sqft
    2023-10-01 0 days 1,986 sqft
    2023-11-01 0 days 1,934 sqft
    2023-12-01 0 days 1,956 sqft
    2024-01-01 0 days 1,973 sqft
    2024-02-01 0 days 2,021 sqft
    2024-03-01 0 days 2,067 sqft
    St. Marys's median listing age (time on market) for 2024-03-01 was 0 days.

    St. Marys's median square footage for active listings during the 2024-03-01 period was 2,067 sqft. One year prior, the average listing was 2,117 sqft.

    St. Marys, GA Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 1,011 $289,945,000 $286,790
    Cash Out Refi 202 $40,660,000 $201,287
    Other 104 $8,050,000 $77,404
    Home Improvement 82 $6,190,000 $75,488
    Refi 71 $50,385,000 $709,648

    St. Marys's most frequently cited loan purpose was Home Purchase, with 1,011 originations. The 2nd most popular reason was Cash Out Refi, with 202 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    6-7% 586 $162,160,000 $276,724
    5-6% 375 $135,345,000 $360,920
    7-8% 261 $60,495,000 $231,782
    Over 8% 198 $17,790,000 $89,848
    4-5% 26 $8,500,000 $326,923
    2.5-3% 2 $590,000 $295,000
    <2.5% 2 $490,000 $245,000
    3-4% 1 $65,000 $65,000

    During 2023, St. Marys's most frequently originated rate bucket was 6-7%, with 586 originations.

    Loan Sizing (St. Marys, GA MSA)

    Loan Size Originations Total Value Average Loan
    $200k-400k 860 $242,350,000 $281,802
    $100k-200k 260 $39,530,000 $152,038
    $100,000 or less 211 $11,295,000 $53,531
    $400k-600k 119 $55,215,000 $463,992
    $600k-1000k 15 $10,205,000 $680,333
    $Over $1MM 5 $36,635,000 $7,327,000

    St. Marys's loan sizing saw the bucket of loans from $200k-400k with 860 originations, totaling $242,350,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 674 $198,660,000 $294,748
    60-80% 210 $82,450,000 $392,619
    Over 100% 176 $55,590,000 $315,852
    Under 20% 149 $8,585,000 $57,617
    40-60% 122 $25,190,000 $206,475
    20-40% 112 $13,110,000 $117,054

    St. Marys's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 674 originations, totaling $198,660,000 in origination value.