St. Marys Mortgage Rates & Closing Costs

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

30 Year Fixed Rate mortgages in St. Marys averaged 6.93% for the week of 2023-09-21, compared to the national average of 7.19% for the same period.

The average rate for the prior week (2023-09-14) was 6.82% and one month ago for the week of 2023-08-17, the average rate was 6.63%.

St. Marys's average rate one year ago was 5.56%.

For refis of the same type during the week of 2023-09-21, the average rate was 6.33%.

Loan Type Date Rate
US 30 Year Fixed Rate 2023-09-21 7.19%
St. Marys 30 Year Fixed Rate 2023-09-21 6.93%
St. Marys 30 Year Fixed Rate Refi 2023-09-21 6.33%
St. Marys 15 Year Fixed Rate 2023-09-21 6.34%
St. Marys 15 Year Fixed Rate Refi 2023-09-21 7.04%
St. Marys 30 Year FHA 2023-09-21 6.32%
St. Marys 30 Year FHA Refi 2023-09-21 6.84%
St. Marys 30 Year USDA 2023-09-21 6.82%
St. Marys 30 Year USDA Refi 2023-09-21 6.92%
St. Marys 30 Year VA 2023-09-21 6.43%
St. Marys 30 Year VA Refi 2023-09-21 6.82%
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 2022 Avg. 30yFix Rate 2022 Avg. Closing Costs
QUICKEN LOANS, LLC 133 4.78% $5,620
NAVY FEDERAL CREDIT UNION 54 4.84% $3,515
GUARANTEED RATE, INC. 42 5.04% $5,630
UNITED WHOLESALE MORTGAGE, LLC 28 5.28% $6,882
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 19 4.55% $6,500
HOMEBRIDGE FINANCIAL SERVICES, INC. 14 5.08% $7,318
DHI MORTGAGE COMPANY, LTD. 13 4.03% $3,185
CALIBER HOME LOANS, INC. 12 5.20% $6,761
LOANDEPOT.COM, LLC 11 4.96% $6,630
Wells Fargo Bank 10 4.21% $3,802
PENNYMAC LOAN SERVICES, LLC 10 4.47% $8,677
HOMESTAR FINANCIAL CORPORATION 8 5.11% $6,511
Capital City Home Loans, LLC 8 4.88% $4,474
Mr. Cooper ( Nationstar Mortgage ) 8 5.25% $6,873
EMM LOANS LLC 8 5.34% $6,326
PRIMELENDING, A PLAINSCAPITAL COMPANY 6 4.92% $6,706
NexBank 6 5.31% $4,527
Citizens Bank 6 4.38% $5,943
Regions Bank 5 3.88% $5,979
BROKER SOLUTIONS, INC. 5 5.62% $6,887
JPMorgan Chase Bank 5 5.35% $2,913
NEWREZ LLC 5 5.27% $4,952
NBKC BANK 5 5.13% $3,552
Ameris Bank 5 5.65% $4,439
BETTER MORTGAGE CORPORATION 3 4.13% $4,138
Bank of America 3 4.75% $4,265
AMERISAVE MORTGAGE CORPORATION 3 3.88% $7,818
MILEND, INC. 3 4.21% $8,844
Gateway First Bank 3 4.38% $2,645
Equity Prime Mortgage LLC 3 4.42% $5,841
U.S. Bank 3 5.08% $5,590
Prosperity Home Mortgage, LLC 3 6.13% $5,664
21ST MORTGAGE CORPORATION 3 7.21% $6,826
PREMIA MORTGAGE, LLC 2 5.69% $759
AMERICAN PACIFIC MORTGAGE CORPORATION 2 5.56% $7,770
ANGEL OAK HOME LOANS LLC 2 4.13% $3,460
ATLANTIC BAY MORTGAGE GROUP, L.L.C. 2 5.50% $6,107
Bank of England 2 4.88% $8,411
COMMUNITY FIRST CREDIT UNION OF FLO 2 5.88% $2,347
ENVOY MORTGAGE, LTD 2 6.44% $3,498
First Federal Bank 2 4.94% $3,835
First Horizon Bank 2 5.31% $3,457
Flagstar Bank, FSB 2 4.54% $2,796
FREEDOM MORTGAGE CORPORATION 2 5.31% $4,677
HOMESIDE FINANCIAL, LLC 2 4.00% $8,434
MOVEMENT MORTGAGE, LLC 2 4.81% $2,995
M&T Bank 2 4.25% $7,956
POWERCO 2 3.90% $3,100
PrimeSouth Bank 2 5.19% $2,398
SeaTrust Mortgage Company 2 5.24% $6,407
South State Bank 2 4.94% $5,898
The Huntington National Bank 2 3.44% $3,792
Truist 2 4.68% $6,292
VYSTAR 2 4.25% $1,132
EMBRACE HOME LOANS, INC. 1 4.88% $9,789
INTERCOASTAL MORTGAGE COMPANY 1 5.25% $4,474
INTERSTATE UNLIMITED Federal Credit Union 1 3.74% $1,809
JAX 1 5.38% $6,060
CROSSCOUNTRY MORTGAGE, LLC 1 5.50% $9,567
KeyBank 1 5.88% $2,501
LAKEVIEW LOAN SERVICING, LLC 1 4.25% $2,973
Colonial Savings, F.A. 1 5.88% $7,743
CMG MORTGAGE, INC. 1 6.38% $11,719
Morgan Stanley Private Bank 1 4.25% $4,223
Mortgage Research Center, LLC 1 3.13% $3,080
Wyndham Capital Mortgage, Inc. 1 4.99% $5,371
Clearview Federal Credit Union 1 6.14% $2,785
Union Savings Bank 1 5.00% $1,861
Nations Lending Corporation 1 5.88% $5,961
CityWorth Mortgage LLC 1 5.00% $8,724
Charles Schwab Bank, SSB 1 3.88% $3,312
Century Mortgage Company DBA Century Lending Company 1 5.50% $4,028
CARDINAL FINANCIAL 1 4.38% $4,839
Northpointe Bank 1 6.50% $10,798
Paramount Residential Mortgage Group, Inc. 1 7.63% $11,479
Bethpage Federal Credit Union 1 3.88% $4,376
PHH Mortgage Corporation 1 4.25% $3,355
PNC Bank 1 3.88% $3,914
AMERICAN FINANCING CORPORATION 1 5.00% $6,260
Austin Capital Bank SSB 1 5.00% $9,449
ATLANTA POSTAL 1 5.13% $3,846
USAA Federal Savings Bank 1 5.63% $4,257
Associated Credit Union 1 3.63% $5,122
ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 5.25% $3,663
AMERICAN HOME MORTGAGE, INC. 1 3.75% $2,757
RESIDENTIAL BANCORP 1 5.38% $4,490
Ally Bank 1 5.88% $3,468
SOUTHEAST MORTGAGE OF GEORGIA, INC. 1 5.38% $5,331
ZILLOW HOME LOANS, LLC 1 2.75% $5,507
SOVEREIGN LENDING GROUP INCORPORATED 1 4.25% $12,672
STOCKTON MORTGAGE CORPORATION 1 5.25% $4,773
Synovus Bank 1 3.88% $2,816
FirstBank 1 3.75% $4,691
ACADEMY MORTGAGE CORPORATION 1 5.50% $5,043
THE MORTGAGE FIRM, INC. 1 3.38% $4,767
First Internet Bank of Indiana 1 4.75% $2,959
First National Bank of Pennsylvania 1 4.25% $4,609
THRIVE MORTGAGE, LLC 1 6.25% $3,110
FLAT BRANCH MORTGAGE, INC. 1 3.88% $3,338
TJC Mortgage, Inc. 1 5.13% $7,199
FINANCE OF AMERICA MORTGAGE LLC 1 8.25% $4,969
Fifth Third Bank 1 4.38% $3,975
GUILD MORTGAGE COMPANY 1 5.88% $3,509
EVERETT FINANCIAL, INC. 1 5.75% $2,682
HOME POINT FINANCIAL CORPORATION 1 5.38% $6,544
TOWNE MORTGAGE COMPANY 1 6.50% $14,757

St. Marys Average Closing Costs & Other Stats

St. Marys, GA's 106 lenders originated 2,038 loans during 2022. The total origination value was $510,870,000, with an average loan value of $250,672.

St. Marys's average closing costs are $5,380.

The top St. Marys lender as defined by loan originations is QUICKEN LOANS, LLC, with 133 loans originated. Their average total fees are $5,620, which is $2,105 higher than the next largest lender, NAVY FEDERAL CREDIT UNION.

The lowest fee St. Marys lenders (with over 10 loans originated) are DHI MORTGAGE COMPANY, LTD. ($3,185), NAVY FEDERAL CREDIT UNION ($3,515), Wells Fargo Bank ($3,802), QUICKEN LOANS, LLC ($5,620) and GUARANTEED RATE, INC. ($5,630).

The lowest rate St. Marys lenders (with over 10 loans originated) are DHI MORTGAGE COMPANY, LTD. (4.03%), Wells Fargo Bank (4.21%), PENNYMAC LOAN SERVICES, LLC (4.47%), FAIRWAY INDEPENDENT MORTGAGE CORPORATION (4.55%) and QUICKEN LOANS, LLC (4.78%).

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 2021 Loan Value 2022 Loan Value % Change 2022 Market Share
QUICKEN LOANS, LLC $121,890,000 $71,115,000 -41.7% 13.9%
GUARANTEED RATE, INC. $77,700,000 $49,025,000 -36.9% 9.6%
NAVY FEDERAL CREDIT UNION $61,610,000 $48,560,000 -21.2% 9.5%
Mortgage Research Center, LLC $38,175,000 $35,000,000 -8.3% 6.9%
UNITED WHOLESALE MORTGAGE, LLC $10,030,000 $22,400,000 123.3% 4.4%
NBKC BANK $26,305,000 $19,025,000 -27.7% 3.7%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $30,100,000 $18,990,000 -36.9% 3.7%
CALIBER HOME LOANS, INC. $13,990,000 $14,590,000 4.3% 2.9%
DHI MORTGAGE COMPANY, LTD. $12,595,000 $14,540,000 15.4% 2.8%
HOMEBRIDGE FINANCIAL SERVICES, INC. $8,525,000 $11,290,000 32.4% 2.2%
PENNYMAC LOAN SERVICES, LLC $15,500,000 $10,415,000 -32.8% 2.0%
EMM LOANS LLC $6,150,000 $7,410,000 20.5% 1.5%
WALKER & DUNLOP, LLC $7,155,000 n/a 1.4%
Ameris Bank $10,120,000 $6,245,000 -38.3% 1.2%
FREEDOM MORTGAGE CORPORATION $39,185,000 $6,165,000 -84.3% 1.2%
LOANDEPOT.COM, LLC $9,020,000 $5,880,000 -34.8% 1.2%
Century Mortgage Company DBA Century Lending Company $255,000 $5,665,000 2,121.6% 1.1%
Mr. Cooper ( Nationstar Mortgage ) $5,060,000 $5,435,000 7.4% 1.1%
BERKELEY POINT CAPITAL LLC $4,805,000 n/a 0.9%
HOMESTAR FINANCIAL CORPORATION $1,730,000 $4,195,000 142.5% 0.8%
Citizens Bank $10,960,000 $3,665,000 -66.6% 0.7%
PrimeSouth Bank $6,060,000 $3,625,000 -40.2% 0.7%
Wells Fargo Bank $9,170,000 $3,445,000 -62.4% 0.7%
NEWREZ LLC $4,440,000 $3,365,000 -24.2% 0.7%
21ST MORTGAGE CORPORATION $1,985,000 $3,280,000 65.2% 0.6%
USAA Federal Savings Bank $7,885,000 $3,100,000 -60.7% 0.6%
CROSSCOUNTRY MORTGAGE, LLC $720,000 $2,950,000 309.7% 0.6%
HOME POINT FINANCIAL CORPORATION $2,000,000 $2,515,000 25.8% 0.5%
First Federal Bank $7,545,000 $2,510,000 -66.7% 0.5%
Capital City Home Loans, LLC $5,535,000 $2,440,000 -55.9% 0.5%
NEW DAY FINANCIAL, LLC $5,290,000 $2,360,000 -55.4% 0.5%
Regions Bank $35,000 $2,355,000 6,628.6% 0.5%
Paramount Residential Mortgage Group, Inc. $460,000 $2,110,000 358.7% 0.4%
United Community Bank $1,965,000 $2,065,000 5.1% 0.4%
Equity Prime Mortgage LLC $1,910,000 $1,990,000 4.2% 0.4%
LAKEVIEW LOAN SERVICING, LLC $9,815,000 $1,940,000 -80.2% 0.4%
Truist $2,215,000 $1,880,000 -15.1% 0.4%
PENTAGON FEDERAL CREDIT UNION $1,390,000 $1,805,000 29.9% 0.4%
Bank of America $2,245,000 $1,755,000 -21.8% 0.3%
MOVEMENT MORTGAGE, LLC $2,985,000 $1,735,000 -41.9% 0.3%
The Federal Savings Bank $1,845,000 $1,725,000 -6.5% 0.3%
AgFirst Farm Credit Bank $980,000 $1,695,000 73.0% 0.3%
Gateway First Bank $590,000 $1,685,000 185.6% 0.3%
AMERISAVE MORTGAGE CORPORATION $4,000,000 $1,645,000 -58.9% 0.3%
Carrington Mortgage Services, LLC $2,390,000 $1,625,000 -32.0% 0.3%
INTERCOASTAL MORTGAGE COMPANY $1,600,000 n/a 0.3%
PNC Bank $1,490,000 $1,520,000 2.0% 0.3%
Synovus Bank $5,410,000 $1,485,000 -72.6% 0.3%
PRIMELENDING, A PLAINSCAPITAL COMPANY $1,495,000 $1,460,000 -2.3% 0.3%
BROKER SOLUTIONS, INC. $1,355,000 $1,395,000 3.0% 0.3%
Pineland Bank $2,090,000 $1,395,000 -33.3% 0.3%
THRIVE MORTGAGE, LLC $1,375,000 n/a 0.3%
NexBank $400,000 $1,335,000 233.8% 0.3%
Flagstar Bank, FSB $1,250,000 $1,300,000 4.0% 0.3%
JPMorgan Chase Bank $3,215,000 $1,265,000 -60.7% 0.2%
Prosperity Home Mortgage, LLC $210,000 $1,230,000 485.7% 0.2%
PLANET HOME LENDING, LLC $1,165,000 $1,220,000 4.7% 0.2%
FINANCE OF AMERICA MORTGAGE LLC $215,000 $1,125,000 423.3% 0.2%
GUARANTEED RATE AFFINITY, LLC $730,000 $1,125,000 54.1% 0.2%
MILEND, INC. $300,000 $1,100,000 266.7% 0.2%
BETTER MORTGAGE CORPORATION $1,995,000 $1,085,000 -45.6% 0.2%
VANDERBILT MORTGAGE AND FINANCE, INC. $8,575,000 $1,080,000 -87.4% 0.2%
VYSTAR $680,000 $1,040,000 52.9% 0.2%
Barrington Bank & Trust Company, N.A. $1,685,000 $1,005,000 -40.4% 0.2%
ATLANTIC BAY MORTGAGE GROUP, L.L.C. $885,000 $990,000 11.9% 0.2%
VILLAGE CAPITAL MORTGAGE $4,980,000 $990,000 -80.1% 0.2%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $2,570,000 $965,000 -62.5% 0.2%
Fifth Third Bank $1,300,000 $960,000 -26.2% 0.2%
Southeastern Bank $2,290,000 $955,000 -58.3% 0.2%
Mid-Continent Funding, Inc. $715,000 $895,000 25.2% 0.2%
Sunflower Bank $890,000 n/a 0.2%
Northpointe Bank $375,000 $885,000 136.0% 0.2%
AMERICAN PACIFIC MORTGAGE CORPORATION $1,060,000 $835,000 -21.2% 0.2%
Bank of England $1,840,000 $825,000 -55.2% 0.2%
MUTUAL OF OMAHA MORTGAGE, INC. $1,065,000 $815,000 -23.5% 0.2%
First Horizon Bank $810,000 n/a 0.2%
U.S. Bank $850,000 $805,000 -5.3% 0.2%
SeaTrust Mortgage Company $470,000 $780,000 66.0% 0.2%
FirstBank $770,000 n/a 0.2%
First National Bank of Pennsylvania $755,000 n/a 0.1%
ENVOY MORTGAGE, LTD $325,000 $745,000 129.2% 0.1%
SOUTHWEST STAGE FUNDING, LLC $255,000 $705,000 176.5% 0.1%
MORTGAGE SOLUTIONS OF COLORADO, LLC $475,000 $700,000 47.4% 0.1%
South State Bank $1,955,000 $670,000 -65.7% 0.1%
Network Funding, L.P. $650,000 n/a 0.1%
CMG MORTGAGE, INC. $455,000 $640,000 40.7% 0.1%
DAS Acquisition Company, LLC $625,000 n/a 0.1%
EVERETT FINANCIAL, INC. $175,000 $615,000 251.4% 0.1%
Wyndham Capital Mortgage, Inc. $1,790,000 $610,000 -65.9% 0.1%
HOMEOWNERS FINANCIAL GROUP USA, LLC $590,000 n/a 0.1%
TOWNE MORTGAGE COMPANY $570,000 n/a 0.1%
Heritage Southeast Bank $1,310,000 $560,000 -57.3% 0.1%
TRIAD FINANCIAL SERVICES, INC. $670,000 $555,000 -17.2% 0.1%
PREMIA MORTGAGE, LLC $540,000 n/a 0.1%
Morgan Stanley Private Bank $525,000 n/a 0.1%
M&T Bank $1,260,000 $525,000 -58.3% 0.1%
Stifel Bank and Trust $520,000 $505,000 -2.9% 0.1%
NATIONS DIRECT MORTGAGE, LLC $500,000 n/a 0.1%
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $835,000 $490,000 -41.3% 0.1%
Magnolia Bank $225,000 $480,000 113.3% 0.1%
SPRING EQ, LLC $220,000 $470,000 113.6% 0.1%
STOCKTON MORTGAGE CORPORATION $1,275,000 $470,000 -63.1% 0.1%
ANGEL OAK HOME LOANS LLC $185,000 $460,000 148.6% 0.1%
PLAZA HOME MORTGAGE, INC. $245,000 $460,000 87.8% 0.1%
The Central Trust Bank $440,000 n/a 0.1%
AMERICAN ADVISORS GROUP $200,000 $435,000 117.5% 0.1%
North American Savings Bank, F.S.B. $345,000 $435,000 26.1% 0.1%
ENCORE BANK $425,000 n/a 0.1%
RELIANCE FIRST CAPITAL, LLC $155,000 $425,000 174.2% 0.1%
ACADEMY MORTGAGE CORPORATION $420,000 n/a 0.1%
GEORGIA'S OWN $230,000 $420,000 82.6% 0.1%
MORTGAGE EQUITY PARTNERS LLC $415,000 n/a 0.1%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $405,000 $405,000 0.0% 0.1%
EMBRACE HOME LOANS, INC. $225,000 $400,000 77.8% 0.1%
KeyBank $990,000 $395,000 -60.1% 0.1%
The Huntington National Bank $390,000 n/a 0.1%
THE MORTGAGE FIRM, INC. $385,000 n/a 0.1%
Figure Lending LLC $150,000 $370,000 146.7% 0.1%
SOUTHEAST MORTGAGE OF GEORGIA, INC. $370,000 n/a 0.1%
ZILLOW HOME LOANS, LLC $855,000 $365,000 -57.3% 0.1%
SUCCESS MORTGAGE PARTNERS, INC. $355,000 n/a 0.1%
COMMUNITY FIRST CREDIT UNION OF FLO $350,000 n/a 0.1%
Charles Schwab Bank, SSB $885,000 $345,000 -61.0% 0.1%
HOMESIDE FINANCIAL, LLC $1,110,000 $345,000 -68.9% 0.1%
Discover Bank $175,000 $335,000 91.4% 0.1%
POWERCO $330,000 n/a 0.1%
FBC MORTGAGE, LLC $5,570,000 $325,000 -94.2% 0.1%
TJC Mortgage, Inc. $325,000 n/a 0.1%
JAX $315,000 n/a 0.1%
Bethpage Federal Credit Union $310,000 $305,000 -1.6% 0.1%
Home State Bank $305,000 n/a 0.1%
Colonial Savings, F.A. $295,000 n/a 0.1%
Nations Lending Corporation $575,000 $290,000 -49.6% 0.1%
Associated Credit Union $285,000 n/a 0.1%
CHEVRON $285,000 n/a 0.1%
GUILD MORTGAGE COMPANY $685,000 $285,000 -58.4% 0.1%
OVM FINANCIAL, INC. $285,000 n/a 0.1%
ROUNDPOINT MORTGAGE SERVICING CORPORATION $285,000 n/a 0.1%
SOVEREIGN LENDING GROUP INCORPORATED $330,000 $285,000 -13.6% 0.1%
CRESCENT MORTGAGE COMPANY $870,000 $275,000 -68.4% 0.1%
Loan Simple, Inc. $265,000 n/a 0.1%
MDE Home Loans, LLC $265,000 n/a 0.1%
Meridian Bank Corporation $265,000 n/a 0.1%
Neighborhood Loans, Inc. $265,000 n/a 0.1%
Blue Ridge Bank $1,020,000 $255,000 -75.0% 0.0%
CASTLE & COOKE MORTGAGE, LLC $155,000 $255,000 64.5% 0.0%
Renasant Bank $1,355,000 $255,000 -81.2% 0.0%
TIDEWATER MORTGAGE SERVICES, INC. $255,000 n/a 0.0%
Ally Bank $240,000 $245,000 2.1% 0.0%
ATLANTA POSTAL $385,000 $245,000 -36.4% 0.0%
Plains Commerce Bank $245,000 n/a 0.0%
RESOURCE FINANCIAL SERVICES, INC. $245,000 n/a 0.0%
AMERICAN FINANCING CORPORATION $340,000 $240,000 -29.4% 0.0%
Trinity Oaks Mortgage, LLC $235,000 n/a 0.0%
WATSON MORTGAGE CORP. $680,000 $235,000 -65.4% 0.0%
Austin Capital Bank SSB $355,000 $225,000 -36.6% 0.0%
JMJ FINANCIAL GROUP $225,000 n/a 0.0%
NATIONWIDE MORTGAGE BANKERS, INC. $225,000 n/a 0.0%
ACOPIA, LLC $215,000 n/a 0.0%
CLEARPATH LENDING $3,210,000 $215,000 -93.3% 0.0%
CityWorth Mortgage LLC $205,000 n/a 0.0%
LIBERTY HOME MORTGAGE CORPORATION $135,000 $205,000 51.9% 0.0%
SOFI LENDING CORP. $255,000 $205,000 -19.6% 0.0%
STATE EMPLOYEES' $205,000 n/a 0.0%
UNION HOME MORTGAGE CORP. $560,000 $205,000 -63.4% 0.0%
AMWEST FUNDING CORP. $195,000 n/a 0.0%
DELMAR FINANCIAL COMPANY $185,000 n/a 0.0%
First American Bank $185,000 n/a 0.0%
RESIDENTIAL BANCORP. $185,000 n/a 0.0%
TOP FLITE FINANCIAL, INC. $185,000 n/a 0.0%
Community First National Bank $225,000 $175,000 -22.2% 0.0%
LENDINGHOME FUNDING CORPORATION $880,000 $175,000 -80.1% 0.0%
Clearview Federal Credit Union $155,000 n/a 0.0%
FLAT BRANCH MORTGAGE, INC. $145,000 $155,000 6.9% 0.0%
TEMPLE VIEW CAPITAL FUNDING, LP $155,000 n/a 0.0%
Wolfe Financial, Inc $155,000 n/a 0.0%
Third Federal Savings and Loan Association of Cleveland $115,000 $145,000 26.1% 0.0%
FAIRWINDS CREDIT UNION $135,000 n/a 0.0%
First Internet Bank of Indiana $135,000 n/a 0.0%
AMERICAN HOME MORTGAGE, INC. $125,000 n/a 0.0%
INTERSTATE UNLIMITED Federal Credit Union $125,000 n/a 0.0%
First Guaranty Mortgage Corporation $1,095,000 $115,000 -89.5% 0.0%
PHH Mortgage Corporation $355,000 $115,000 -67.6% 0.0%
Summit Community Bank, Inc. $115,000 n/a 0.0%
Arvest Bank $270,000 $105,000 -61.1% 0.0%
CITIZENS EQUITY FIRST $105,000 n/a 0.0%
Union Savings Bank $105,000 n/a 0.0%
Bank of Dudley $95,000 n/a 0.0%
A&D Mortgage LLC $85,000 n/a 0.0%
CSL Financial, LLC $85,000 n/a 0.0%
THRIVENT Federal Credit Union $85,000 n/a 0.0%
Baxter Credit Union $305,000 $75,000 -75.4% 0.0%
DELTA COMMUNITY CREDIT UNION $300,000 $65,000 -78.3% 0.0%
Residential Mortgage Solutions, Inc. $65,000 n/a 0.0%
South Georgia Bank $55,000 n/a 0.0%
TOGETHER CREDIT UNION $155,000 $35,000 -77.4% 0.0%

St. Marys's top lender by overall market share is QUICKEN LOANS, LLC, with 13.9% market share. In second place, with 9.6%, is GUARANTEED RATE, INC., having originated $49,025,000 in loans. In third place, with 9.5%, is NAVY FEDERAL CREDIT UNION, having originated $48,560,000 in loans. In fourth place, with 6.9%, is Mortgage Research Center, LLC, having originated $35,000,000 in loans. In fifth place, with 4.4%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $22,400,000 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%) $274,506 (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 $219,450 (-8.2%) $286,047 (0.8%) 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 (9.3%) 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 (18.2%) 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 $373,150 (20.4%) $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
St. Marys's median listing price for 2023-08-01 was $356,425, a difference of $-30,725 (-7.9%) versus the prior year and $-10,475 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 2023-08-01 was $460,405, a difference of $17,105 (3.9%) versus the prior year and $-17,453 versus the prior month.

For the 2023-08-01 period, St. Marys had 178 MLS listings, a difference of 8 listings (5%) versus the prior month and 35 listings (24%) 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 2,068 sqft
2018-02-01 0 days 2,107 sqft
2018-03-01 0 days 2,073 sqft
2018-04-01 0 days 2,071 sqft
2018-05-01 0 days 2,063 sqft
2018-06-01 0 days 2,060 sqft
2018-07-01 0 days 2,022 sqft
2018-08-01 0 days 2,052 sqft
2018-09-01 0 days 2,032 sqft
2018-10-01 0 days 1,980 sqft
2018-11-01 0 days 1,931 sqft
2018-12-01 0 days 1,946 sqft
2019-01-01 0 days 1,918 sqft
2019-02-01 0 days 1,932 sqft
2019-03-01 0 days 1,955 sqft
2019-04-01 0 days 1,991 sqft
2019-05-01 0 days 1,947 sqft
2019-06-01 0 days 1,942 sqft
2019-07-01 0 days 2,010 sqft
2019-08-01 0 days 2,009 sqft
2019-09-01 0 days 2,045 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 2,060 sqft
2020-04-01 0 days 2,086 sqft
2020-05-01 0 days 2,180 sqft
2020-06-01 0 days 2,253 sqft
2020-07-01 0 days 2,217 sqft
2020-08-01 0 days 2,149 sqft
2020-09-01 0 days 2,150 sqft
2020-10-01 0 days 2,099 sqft
2020-11-01 0 days 2,098 sqft
2020-12-01 0 days 2,082 sqft
2021-01-01 0 days 2,115 sqft
2021-02-01 0 days 2,065 sqft
2021-03-01 0 days 2,066 sqft
2021-04-01 0 days 2,070 sqft
2021-05-01 0 days 1,992 sqft
2021-06-01 0 days 2,080 sqft
2021-07-01 0 days 2,000 sqft
2021-08-01 0 days 2,058 sqft
2021-09-01 0 days 1,997 sqft
2021-10-01 0 days 2,026 sqft
2021-11-01 0 days 2,041 sqft
2021-12-01 0 days 2,044 sqft
2022-01-01 0 days 2,108 sqft
2022-02-01 0 days 2,154 sqft
2022-03-01 0 days 2,089 sqft
2022-04-01 0 days 2,100 sqft
2022-05-01 0 days 2,087 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 2,103 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 2,062 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
St. Marys's median listing age (time on market) for 2023-08-01 was 0 days.

St. Marys's median square footage for active listings during the 2023-08-01 period was 2,039 sqft. One year prior, the average listing was 2,132 sqft.

St. Marys, GA Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 1,373 $376,885,000 $274,497
Cash Out Refi 383 $79,495,000 $207,559
Refi 157 $44,055,000 $280,605
Other 69 $5,945,000 $86,159
Home Improvement 56 $4,490,000 $80,179

St. Marys's most frequently cited loan purpose was Home Purchase, with 1,373 originations. The 2nd most popular reason was Cash Out Refi, with 383 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
4-5% 549 $147,115,000 $267,969
5-6% 466 $117,810,000 $252,811
3-4% 457 $121,205,000 $265,219
6-7% 205 $47,565,000 $232,024
2.5-3% 151 $40,085,000 $265,464
7-8% 69 $12,545,000 $181,812
<2.5% 60 $14,360,000 $239,333
Over 8% 57 $7,125,000 $125,000

During 2022, St. Marys's most frequently originated rate bucket was 4-5%, with 549 originations.

Loan Sizing (St. Marys, GA MSA)

Loan Size Originations Total Value Average Loan
$200k-400k 1,141 $316,135,000 $277,068
$100k-200k 531 $82,855,000 $156,036
$100,000 or less 193 $12,125,000 $62,824
$400k-600k 149 $70,155,000 $470,839
$600k-1000k 20 $13,910,000 $695,500
$Over $1MM 4 $15,690,000 $3,922,500

St. Marys's loan sizing saw the bucket of loans from $200k-400k with 1,141 originations, totaling $316,135,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 996 $272,240,000 $273,333
60-80% 430 $107,170,000 $249,233
Over 100% 262 $80,720,000 $308,092
40-60% 139 $31,525,000 $226,799
20-40% 99 $9,255,000 $93,485
Under 20% 74 $3,900,000 $52,703

St. Marys's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 996 originations, totaling $272,240,000 in origination value.