St. Marys Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in St. Marys averaged
6.64%
for the week of 2024-11-07, compared to the national average of
6.79% for the same period.
The average rate for the prior week (2024-10-31) was
6.57% and
one month ago for the week of 2024-10-03, the
average rate was 6.17%.
St. Marys's average rate one year ago was 7.81%.
For refis of the same type during the week of 2024-11-07, the average rate
was 7.29%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2024-11-07 | 6.79% |
| St. Marys 30 Year Fixed Rate | 2024-11-07 | 6.64% |
| St. Marys 30 Year Fixed Rate Refi | 2024-11-07 | 7.29% |
| St. Marys 15 Year Fixed Rate | 2024-11-07 | 6% |
| St. Marys 15 Year Fixed Rate Refi | 2024-11-07 | 6.6% |
| St. Marys 30 Year FHA | 2024-11-07 | 6.32% |
| St. Marys 30 Year FHA Refi | 2024-11-07 | 6.33% |
| St. Marys 30 Year USDA | 2024-11-07 | 6.58% |
| St. Marys 30 Year USDA Refi | 2024-11-07 | 6.68% |
| St. Marys 30 Year VA | 2024-11-07 | 6.1% |
| St. Marys 30 Year VA Refi | 2024-11-07 | 6.14% |
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.).
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 |
| 2024-04-01 | $384,450 (-3.3%) | $443,561 (-9.7%) | 0.00 | 287 |
| 2024-05-01 | $407,450 (1.9%) | $459,478 (-9.4%) | 0.00 | 277 |
| 2024-06-01 | $419,900 (7.6%) | $470,585 (-3.3%) | 0.00 | 297 |
| 2024-07-01 | $409,530 (11.6%) | $463,370 (-3.0%) | 0.00 | 314 |
| 2024-08-01 | $399,900 (12.2%) | $458,270 (-0.5%) | 0.00 | 323 |
| 2024-09-01 | $399,950 (12.9%) | $455,446 (-1.5%) | 0.00 | 321 |
| 2024-10-01 | $398,300 (13.5%) | $450,032 (-2.5%) | 0.00 | 336 |
St. Marys's median listing price comes in at 0% of the national average.
St. Marys's average listing price for 2024-10-01 was $450,032, a difference of $-11,580 (-2.5%) versus the prior year and $-5,414 versus the prior month.
For the 2024-10-01 period, St. Marys had 336 MLS listings, a difference of 15 listings (5%) versus the prior month and 121 listings (56%) 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 | 1,969 sqft |
| 2024-02-01 | 0 days | 2,021 sqft |
| 2024-03-01 | 0 days | 2,067 sqft |
| 2024-04-01 | 0 days | 2,110 sqft |
| 2024-05-01 | 0 days | 2,158 sqft |
| 2024-06-01 | 0 days | 2,211 sqft |
| 2024-07-01 | 0 days | 2,159 sqft |
| 2024-08-01 | 0 days | 2,117 sqft |
| 2024-09-01 | 0 days | 2,067 sqft |
| 2024-10-01 | 0 days | 2,056 sqft |
St. Marys's median square footage for active listings during the 2024-10-01 period was 2,056 sqft. One year prior, the average listing was 1,986 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.