St. Marys Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in St. Marys averaged
6.87%
for the week of 2023-03-23, compared to the national average of
6.42% for the same period.
The average rate for the prior week (2023-03-16) was
6.85% and
one month ago for the week of 2023-02-16, the
average rate was 6.47%.
St. Marys's average rate one year ago was 3.8%.
For refis of the same type during the week of 2023-03-23, the average rate
was 6.5%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2023-03-23 | 6.42% |
| St. Marys 30 Year Fixed Rate | 2023-03-23 | 6.87% |
| St. Marys 30 Year Fixed Rate Refi | 2023-03-23 | 6.5% |
| St. Marys 15 Year Fixed Rate | 2023-03-23 | 6.29% |
| St. Marys 15 Year Fixed Rate Refi | 2023-03-23 | 6.35% |
| St. Marys 30 Year FHA | 2023-03-23 | 6.14% |
| St. Marys 30 Year FHA Refi | 2023-03-23 | 6.08% |
| St. Marys 30 Year USDA | 2023-03-23 | 6.17% |
| St. Marys 30 Year USDA Refi | 2023-03-23 | 6.31% |
| St. Marys 30 Year VA | 2023-03-23 | 5.97% |
| St. Marys 30 Year VA Refi | 2023-03-23 | 5.73% |
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 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%) | $286,724 (3.2%) | 0.00 | 308 |
| 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 (12.5%) | 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 | $289,900 (16.0%) | $345,180 (14.1%) | 0.00 | 137 |
| 2021-02-01 | $290,425 (21.0%) | $363,020 (21.0%) | 0.00 | 120 |
| 2021-03-01 | $318,650 (20.3%) | $387,283 (20.6%) | 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 | $298,575 (0.9%) | $360,732 (6.9%) | 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%) | $366,142 (7.8%) | 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 (19.6%) | $487,457 (25.9%) | 0.00 | 62 |
| 2022-04-01 | $378,195 (18.8%) | $500,733 (24.0%) | 0.00 | 65 |
| 2022-05-01 | $378,175 (26.3%) | $474,088 (20.1%) | 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 (29.7%) | $443,300 (22.9%) | 0.00 | 143 |
| 2022-09-01 | $369,900 (25.5%) | $419,937 (11.9%) | 0.00 | 143 |
| 2022-10-01 | $369,900 (19.4%) | $423,875 (11.8%) | 0.00 | 159 |
| 2022-11-01 | $368,323 (10.8%) | $431,167 (17.8%) | 0.00 | 175 |
| 2022-12-01 | $359,900 (11.6%) | $411,331 (-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 |
St. Marys's median listing price comes in at 0% of the national average.
St. Marys's average listing price for 2023-02-01 was $425,228, a difference of $-63,746 (-13.0%) versus the prior year and $2,087 versus the prior month.
For the 2023-02-01 period, St. Marys had 125 MLS listings, a difference of -24 listings (-16%) versus the prior month and 42 listings (51%) 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 | 2,081 sqft |
| 2018-04-01 | 0 days | 2,074 sqft |
| 2018-05-01 | 0 days | 2,068 sqft |
| 2018-06-01 | 0 days | 2,071 sqft |
| 2018-07-01 | 0 days | 2,024 sqft |
| 2018-08-01 | 0 days | 2,054 sqft |
| 2018-09-01 | 0 days | 2,035 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 | 1,957 sqft |
| 2019-04-01 | 0 days | 1,994 sqft |
| 2019-05-01 | 0 days | 1,950 sqft |
| 2019-06-01 | 0 days | 1,942 sqft |
| 2019-07-01 | 0 days | 2,011 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 | 2,060 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 | 2,100 sqft |
| 2020-11-01 | 0 days | 2,099 sqft |
| 2020-12-01 | 0 days | 2,091 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 | 1,997 sqft |
| 2021-06-01 | 0 days | 2,080 sqft |
| 2021-07-01 | 0 days | 2,000 sqft |
| 2021-08-01 | 0 days | 2,060 sqft |
| 2021-09-01 | 0 days | 1,998 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 | 2,152 sqft |
| 2022-03-01 | 0 days | 2,089 sqft |
| 2022-04-01 | 0 days | 2,100 sqft |
| 2022-05-01 | 0 days | 2,086 sqft |
| 2022-06-01 | 0 days | 2,102 sqft |
| 2022-07-01 | 0 days | 2,131 sqft |
| 2022-08-01 | 0 days | 2,132 sqft |
| 2022-09-01 | 0 days | 2,055 sqft |
| 2022-10-01 | 0 days | 2,096 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 |
St. Marys's median square footage for active listings during the 2023-02-01 period was 2,028 sqft. One year prior, the average listing was 2,152 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.