St. Marys Mortgage Rates

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

30 Year Fixed Rate mortgages in St. Marys averaged 6.06% for the week of 2022-06-23, compared to the national average of 5.81% for the same period.

The average rate for the prior week (2022-06-16) was 6.03% and one month ago for the week of 2022-05-19, the average rate was 5.3%.

St. Marys's average rate one year ago was 3.18%.

For refis of the same type during the week of 2022-06-23, the average rate was 5.8%.

Loan Type Date Rate
US 30 Year Fixed Rate 2022-06-23 5.81%
St. Marys 30 Year Fixed Rate 2022-06-23 6.06%
St. Marys 30 Year Fixed Rate Refi 2022-06-23 5.8%
St. Marys 15 Year Fixed Rate 2022-06-23 5.11%
St. Marys 15 Year Fixed Rate Refi 2022-06-23 4.81%
St. Marys 30 Year FHA 2022-06-23 -0.04%
St. Marys 30 Year FHA Refi 2022-06-23 0.19%
St. Marys 30 Year USDA 2022-06-23 0.04%
St. Marys 30 Year USDA Refi 2022-06-23 -0.24%
St. Marys 30 Year VA 2022-06-23 0.19%
St. Marys 30 Year VA Refi 2022-06-23 0.05%
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 lendor, 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 2021 Avg. 30yFix Rate 2021 Avg. Total Fees
QUICKEN LOANS, LLC 215 3.06% $4,316
GUARANTEED RATE, INC. 85 3.08% $3,800
NAVY FEDERAL CREDIT UNION 78 3.61% $3,302
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 44 3.05% $4,648
Citizens Bank 24 3.10% $3,518
PENNYMAC LOAN SERVICES, LLC 20 3.15% $4,640
Wells Fargo Bank 20 3.20% $2,853
UNITED WHOLESALE MORTGAGE, LLC 20 2.98% $4,862
LOANDEPOT.COM, LLC 19 3.10% $4,539
NBKC BANK 18 3.18% $2,971
HOMEBRIDGE FINANCIAL SERVICES, INC. 18 3.35% $5,132
Ameris Bank 17 3.22% $3,324
CALIBER HOME LOANS, INC. 16 3.36% $3,759
EMM LOANS LLC 12 3.07% $5,219
DHI MORTGAGE COMPANY, LTD. 12 3.01% $2,825
JPMorgan Chase Bank 11 3.08% $3,281
VANDERBILT MORTGAGE AND FINANCE, INC. 10 3.16% $4,604
Capital City Home Loans, LLC 9 3.08% $3,623
AMERISAVE MORTGAGE CORPORATION 9 3.10% $3,740
Synovus Bank 8 2.98% $4,787
MOVEMENT MORTGAGE, LLC 8 3.23% $3,592
First Federal Bank 8 2.95% $3,857
NEWREZ LLC 6 2.92% $3,857
BETTER MORTGAGE CORPORATION 6 2.94% $4,857
Flagstar Bank, FSB 5 3.22% $4,693
South State Bank 5 3.20% $4,623
FBC MORTGAGE, LLC 4 3.15% $4,136
Bank of America 4 3.00% $2,460
PNC Bank 4 3.09% $5,366
BAY EQUITY LLC 4 3.34% $5,545
FREEDOM MORTGAGE CORPORATION 4 2.94% $2,481
MUTUAL OF OMAHA MORTGAGE, INC. 3 3.17% $3,502
Mr. Cooper ( Nationstar Mortgage ) 3 3.50% $6,207
STEARNS LENDING, LLC 3 2.88% $5,742
Renasant Bank 3 2.79% $4,999
GUARANTY HOME MORTGAGE CORPORATION 3 2.88% $4,696
Mortgage Research Center, LLC 3 3.21% $4,541
HOMESIDE FINANCIAL, LLC 3 2.83% $3,250
Fifth Third Bank 3 2.96% $3,828
HOMESTAR FINANCIAL CORPORATION 2 3.25% $6,249
NexBank 2 2.81% $3,213
HOMESTEAD FUNDING CORP. 2 3.19% $3,158
PENTAGON FEDERAL CREDIT UNION 2 2.69% $2,569
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 2 2.93% $4,463
ROYAL UNITED MORTGAGE LLC 2 3.50% $5,157
SeaTrust Mortgage Company 2 2.81% $5,115
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 2 3.12% $3,790
Equity Prime Mortgage LLC 2 3.75% $2,002
Stifel Bank and Trust 2 2.63% $2,501
AMERICAN FINANCIAL NETWORK, INC. 2 3.13% $8,931
GUARANTEED RATE AFFINITY, LLC 2 3.62% $3,025
Blue Ridge Bank 2 3.44% $3,529
United Community Bank 2 3.00% $2,944
AgFirst Farm Credit Bank 2 2.94% $4,651
LAKEVIEW LOAN SERVICING, LLC 2 3.31% $2,924
Ally Bank 2 3.13% $3,280
KELLER MORTGAGE, LLC 2 3.63% $2,913
West Town Bank & Trust 1 3.12% $2,244
WRIGHT-PATT CREDIT UNION, INC. 1 3.00% $2,698
121 FINANCIAL 1 2.88% $6,512
ZILLOW HOME LOANS, LLC 1 2.75% $3,588
AMERICAN FINANCING CORPORATION 1 3.38% $5,358
ANGEL OAK HOME LOANS LLC 1 3.63% $5,274
ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 2.99% $5,996
Arvest Bank 1 2.75% $4,430
ATLANTA POSTAL 1 3.13% $4,081
ATLANTIC BAY MORTGAGE GROUP, L.L.C. 1 3.25% $3,629
Auto Club Trust, FSB 1 3.00% $2,356
Bank of England 1 3.13% $4,417
Baxter Credit Union 1 2.38% $2,785
Bethpage Federal Credit Union 1 3.50% $3,821
Carrington Mortgage Services, LLC 1 3.63% $5,596
Charles Schwab Bank, SSB 1 1.88% $5,347
Chicago Mortgage Solutions LLC 1 2.99% $1,274
CHURCHILL MORTGAGE CORPORATION 1 3.63% $2,108
CMG MORTGAGE, INC. 1 3.25% $3,349
CRESCENT MORTGAGE COMPANY 1 2.88% $12,194
CROSSCOUNTRY MORTGAGE, LLC 1 2.50% $11,593
DELTA COMMUNITY CREDIT UNION 1 2.88% $4,308
Discover Bank 1 5.49% $0
EMBRACE HOME LOANS, INC. 1 3.25% $2,958
ENVOY MORTGAGE, LTD 1 3.50% $4,501
First Guaranty Mortgage Corporation 1 3.50% $3,705
First Home Bank 1 3.38% $3,668
FLAT BRANCH MORTGAGE, INC. 1 3.25% $3,260
Gateway First Bank 1 2.88% $2,845
George Mason Mortgage, LLC 1 3.49% $4,595
GUILD MORTGAGE COMPANY 1 4.50% $3,156
Hancock Whitney Bank 1 2.75% $4,035
HOME POINT FINANCIAL CORPORATION 1 2.99% $8,723
InterContinental Capital Group, Inc 1 2.99% $4,299
Leader Bank 1 2.75% $3,909
LENOX FINANCIAL MORTGAGE CORPORATION 1 2.75% $2,170
LIBERTY HOME MORTGAGE CORPORATION 1 2.99% $4,844
LOANLEADERS OF AMERICA, INC. 1 2.50% $6,969
LOANPAL, LLC 1 3.99% $4,695
Manufacturers and Traders Trust Company 1 3.25% $3,072
MILEND, INC. 1 4.00% $3,329
MORTGAGE INVESTORS GROUP, INC. 1 2.50% $2,825
NFM, INC. 1 2.63% $3,610
Northpointe Bank 1 2.88% $8,885
NTFN, INC. 1 3.25% $3,281
Paramount Residential Mortgage Group, Inc. 1 3.38% $4,253
PRIMELENDING, A PLAINSCAPITAL COMPANY 1 3.25% $3,157
Quontic Bank 1 5.75% $7,971
RUOFF MORTGAGE COMPANY, INC. 1 3.63% $3,068
SIGNATURE MORTGAGE CORPORATION 1 3.13% $2,815
SOUTHPOINT FINANCIAL SERVICES, INC. 1 3.00% $6,583
SOVEREIGN LENDING GROUP INCORPORATED 1 3.75% $4,006
STAR ONE CREDIT UNION 1 2.75% $3,773
TCF National Bank 1 2.75% $2,511
TENNESSEE VALLEY 1 3.25% $3,362
TOGETHER CREDIT UNION 1 3.25% $2,997
Truist Bank 1 2.88% $2,812
Valley National Bank 1 3.50% $3,508
Waterstone Mortgage Corporation 1 2.88% $3,002
WATSON MORTGAGE CORP. 1 3.13% $3,151

St. Marys, GA's 117 lenders originated 3,200 loans during 2021. The total origination value was $739,370,000, with an average loan value of $231,053.

The top St. Marys lender as defined by loan originations is QUICKEN LOANS, LLC, with 215 loans originated. Their average total fees are $4,316, which is $516 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. ($2,825), Wells Fargo Bank ($2,853), NBKC BANK ($2,971), JPMorgan Chase Bank ($3,281) and NAVY FEDERAL CREDIT UNION ($3,302).

The lowest rate St. Marys lenders (with over 10 loans originated) are UNITED WHOLESALE MORTGAGE, LLC (2.98%), DHI MORTGAGE COMPANY, LTD. (3.01%), FAIRWAY INDEPENDENT MORTGAGE CORPORATION (3.05%), QUICKEN LOANS, LLC (3.06%) and EMM LOANS LLC (3.07%).

St. Marys, GA Lender 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 2020 Loan Value 2021 Loan Value % Change 2021 Market Share
QUICKEN LOANS, LLC $87,665,000 $121,890,000 39.0% 16.5%
GUARANTEED RATE, INC. $64,495,000 $77,700,000 20.5% 10.5%
NAVY FEDERAL CREDIT UNION $51,555,000 $61,610,000 19.5% 8.3%
FREEDOM MORTGAGE CORPORATION $38,200,000 $39,185,000 2.6% 5.3%
Mortgage Research Center, LLC $22,905,000 $38,175,000 66.7% 5.2%
Arbor Realty Trust, Inc. $37,160,000 n/a 5.0%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $31,185,000 $30,100,000 -3.5% 4.1%
NBKC BANK $23,320,000 $26,305,000 12.8% 3.6%
PENNYMAC LOAN SERVICES, LLC $7,540,000 $15,500,000 105.6% 2.1%
CALIBER HOME LOANS, INC. $2,065,000 $13,990,000 577.5% 1.9%
DHI MORTGAGE COMPANY, LTD. $3,095,000 $12,595,000 306.9% 1.7%
Citizens Bank $6,755,000 $10,960,000 62.3% 1.5%
Ameris Bank $7,040,000 $10,120,000 43.8% 1.4%
UNITED WHOLESALE MORTGAGE, LLC $8,325,000 $10,030,000 20.5% 1.4%
LAKEVIEW LOAN SERVICING, LLC $5,705,000 $9,815,000 72.0% 1.3%
Wells Fargo Bank $3,685,000 $9,170,000 148.8% 1.2%
LOANDEPOT.COM, LLC $9,915,000 $9,020,000 -9.0% 1.2%
VANDERBILT MORTGAGE AND FINANCE, INC. $15,620,000 $8,575,000 -45.1% 1.2%
HOMEBRIDGE FINANCIAL SERVICES, INC. $7,030,000 $8,525,000 21.3% 1.2%
USAA Federal Savings Bank $7,590,000 $7,885,000 3.9% 1.1%
First Federal Bank $11,310,000 $7,545,000 -33.3% 1.0%
EMM LOANS LLC $1,385,000 $6,150,000 344.0% 0.8%
PrimeSouth Bank $6,680,000 $6,060,000 -9.3% 0.8%
FBC MORTGAGE, LLC $4,610,000 $5,570,000 20.8% 0.8%
Capital City Home Loans, LLC $3,630,000 $5,535,000 52.5% 0.7%
Synovus Bank $7,815,000 $5,410,000 -30.8% 0.7%
NEW DAY FINANCIAL, LLC $2,950,000 $5,290,000 79.3% 0.7%
Mr. Cooper ( Nationstar Mortgage ) $10,890,000 $5,060,000 -53.5% 0.7%
VILLAGE CAPITAL & INVESTMENT LLC $3,640,000 $4,980,000 36.8% 0.7%
NEWREZ LLC $4,420,000 $4,440,000 0.5% 0.6%
AMERISAVE MORTGAGE CORPORATION $3,110,000 $4,000,000 28.6% 0.5%
JPMorgan Chase Bank $865,000 $3,215,000 271.7% 0.4%
CLEARPATH LENDING $5,110,000 $3,210,000 -37.2% 0.4%
MOVEMENT MORTGAGE, LLC $1,845,000 $2,985,000 61.8% 0.4%
ORIX REAL ESTATE CAPITAL, LLC $2,805,000 n/a 0.4%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $2,825,000 $2,570,000 -9.0% 0.3%
Carrington Mortgage Services, LLC $2,570,000 $2,390,000 -7.0% 0.3%
Southeastern Bank $1,340,000 $2,290,000 70.9% 0.3%
Bank of America $1,820,000 $2,245,000 23.4% 0.3%
Truist Bank $18,590,000 $2,215,000 -88.1% 0.3%
Pineland Bank $950,000 $2,090,000 120.0% 0.3%
Low VA Rates, LLC $1,625,000 $2,020,000 24.3% 0.3%
HOME POINT FINANCIAL CORPORATION $1,125,000 $2,000,000 77.8% 0.3%
BETTER MORTGAGE CORPORATION $635,000 $1,995,000 214.2% 0.3%
21ST MORTGAGE CORPORATION $850,000 $1,985,000 133.5% 0.3%
United Community Bank $1,850,000 $1,965,000 6.2% 0.3%
South State Bank $635,000 $1,955,000 207.9% 0.3%
Equity Prime Mortgage LLC $370,000 $1,910,000 416.2% 0.3%
The Federal Savings Bank $3,485,000 $1,845,000 -47.1% 0.2%
Bank of England $565,000 $1,840,000 225.7% 0.2%
Wyndham Capital Mortgage, Inc. $435,000 $1,790,000 311.5% 0.2%
HOMESTAR FINANCIAL CORPORATION $1,430,000 $1,730,000 21.0% 0.2%
Barrington Bank & Trust Company, N.A. $2,105,000 $1,685,000 -20.0% 0.2%
AMERICAN FINANCIAL NETWORK, INC. $205,000 $1,510,000 636.6% 0.2%
PRIMELENDING, A PLAINSCAPITAL COMPANY $1,080,000 $1,495,000 38.4% 0.2%
PNC Bank $910,000 $1,490,000 63.7% 0.2%
STEARNS LENDING, LLC $3,910,000 $1,405,000 -64.1% 0.2%
PENTAGON FEDERAL CREDIT UNION $1,560,000 $1,390,000 -10.9% 0.2%
BROKER SOLUTIONS, INC. $1,105,000 $1,355,000 22.6% 0.2%
Renasant Bank $360,000 $1,355,000 276.4% 0.2%
Heritage Southeast Bank $3,590,000 $1,310,000 -63.5% 0.2%
Fifth Third Bank $125,000 $1,300,000 940.0% 0.2%
STOCKTON MORTGAGE CORPORATION $2,230,000 $1,275,000 -42.8% 0.2%
Manufacturers and Traders Trust Company $175,000 $1,260,000 620.0% 0.2%
InterContinental Capital Group, Inc $950,000 $1,255,000 32.1% 0.2%
Flagstar Bank, FSB $1,070,000 $1,250,000 16.8% 0.2%
PLANET HOME LENDING, LLC $2,460,000 $1,165,000 -52.6% 0.2%
HOMESIDE FINANCIAL, LLC $620,000 $1,110,000 79.0% 0.2%
First Guaranty Mortgage Corporation $1,795,000 $1,095,000 -39.0% 0.1%
MUTUAL OF OMAHA MORTGAGE, INC. $1,575,000 $1,065,000 -32.4% 0.1%
AMERICAN PACIFIC MORTGAGE CORPORATION $285,000 $1,060,000 271.9% 0.1%
GUARANTY HOME MORTGAGE CORPORATION $570,000 $1,060,000 86.0% 0.1%
Blue Ridge Bank $1,465,000 $1,020,000 -30.4% 0.1%
KeyBank $990,000 n/a 0.1%
AgFirst Farm Credit Bank $1,160,000 $980,000 -15.5% 0.1%
BAY EQUITY LLC $1,255,000 $925,000 -26.3% 0.1%
ATLANTIC BAY MORTGAGE GROUP, L.L.C. $550,000 $885,000 60.9% 0.1%
Charles Schwab Bank, SSB $885,000 n/a 0.1%
LENDINGHOME FUNDING CORPORATION $880,000 n/a 0.1%
CRESCENT MORTGAGE COMPANY $870,000 n/a 0.1%
ZILLOW HOME LOANS, LLC $235,000 $855,000 263.8% 0.1%
U.S. Bank $900,000 $850,000 -5.6% 0.1%
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $860,000 $835,000 -2.9% 0.1%
AMERICAN INTERNET MORTGAGE, INC. $550,000 $825,000 50.0% 0.1%
KELLER MORTGAGE, LLC $785,000 n/a 0.1%
GUARANTEED RATE AFFINITY, LLC $415,000 $730,000 75.9% 0.1%
CROSSCOUNTRY MORTGAGE, LLC $1,600,000 $720,000 -55.0% 0.1%
Mid-Continent Funding, Inc. $420,000 $715,000 70.2% 0.1%
GUILD MORTGAGE COMPANY $685,000 n/a 0.1%
VYSTAR $680,000 n/a 0.1%
WATSON MORTGAGE CORP. $680,000 n/a 0.1%
TRIAD FINANCIAL SERVICES, INC. $55,000 $670,000 1,118.2% 0.1%
First Home Bank $650,000 n/a 0.1%
NFM, INC. $650,000 n/a 0.1%
JET HOMELOANS, LLC $620,000 n/a 0.1%
Gateway First Bank $1,410,000 $590,000 -58.2% 0.1%
Nations Lending Corporation $605,000 $575,000 -5.0% 0.1%
HOMESTEAD FUNDING CORP. $565,000 n/a 0.1%
CHURCHILL MORTGAGE CORPORATION $560,000 n/a 0.1%
UNION HOME MORTGAGE CORP. $195,000 $560,000 187.2% 0.1%
Stifel Bank and Trust $520,000 n/a 0.1%
RUOFF MORTGAGE COMPANY, INC. $195,000 $510,000 161.5% 0.1%
Hancock Whitney Bank $505,000 n/a 0.1%
BNC National Bank $315,000 $475,000 50.8% 0.1%
MORTGAGE SOLUTIONS OF COLORADO, LLC $225,000 $475,000 111.1% 0.1%
SeaTrust Mortgage Company $470,000 n/a 0.1%
SWBC MORTGAGE CORPORATION $470,000 n/a 0.1%
PRIMARY RESIDENTIAL MORTGAGE, INC. $465,000 n/a 0.1%
Paramount Residential Mortgage Group, Inc. $460,000 n/a 0.1%
CMG MORTGAGE, INC. $455,000 n/a 0.1%
AmeriHome Mortgage Company, LLC $410,000 n/a 0.1%
NP, Inc. $565,000 $410,000 -27.4% 0.1%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $185,000 $405,000 118.9% 0.1%
NexBank $400,000 n/a 0.1%
DRAPER AND KRAMER MORTGAGE CORP. $435,000 $395,000 -9.2% 0.1%
ATLANTA POSTAL $385,000 n/a 0.1%
Northpointe Bank $265,000 $375,000 41.5% 0.1%
LOANPAL, LLC $285,000 $360,000 26.3% 0.0%
Austin Capital Bank SSB $355,000 n/a 0.0%
PHH Mortgage Corporation $170,000 $355,000 108.8% 0.0%
Presidential Bank, FSB $510,000 $355,000 -30.4% 0.0%
CONTOUR MORTGAGE CORPORATION $360,000 $350,000 -2.8% 0.0%
North American Savings Bank, F.S.B. $3,845,000 $345,000 -91.0% 0.0%
AMERICAN FINANCING CORPORATION $350,000 $340,000 -2.9% 0.0%
SOVEREIGN LENDING GROUP INCORPORATED $815,000 $330,000 -59.5% 0.0%
ENVOY MORTGAGE, LTD $325,000 n/a 0.0%
STAR ONE CREDIT UNION $185,000 $325,000 75.7% 0.0%
GENEVA FINANCIAL, LLC $320,000 n/a 0.0%
West Town Bank & Trust $315,000 n/a 0.0%
Bethpage Federal Credit Union $310,000 n/a 0.0%
Baxter Credit Union $305,000 n/a 0.0%
LENOX FINANCIAL MORTGAGE CORPORATION $305,000 n/a 0.0%
DELTA COMMUNITY CREDIT UNION $145,000 $300,000 106.9% 0.0%
MILEND, INC. $300,000 n/a 0.0%
Southern States Bank $295,000 n/a 0.0%
TCF National Bank $295,000 n/a 0.0%
AXIA FINANCIAL, LLC $275,000 n/a 0.0%
MORTGAGE INVESTORS GROUP, INC. $275,000 n/a 0.0%
Arvest Bank $245,000 $270,000 10.2% 0.0%
Valley National Bank $720,000 $265,000 -63.2% 0.0%
Century Mortgage Company DBA Century Lending Company $255,000 n/a 0.0%
Leader Bank $255,000 n/a 0.0%
SOFI LENDING CORP. $450,000 $255,000 -43.3% 0.0%
SOUTHWEST STAGE FUNDING, LLC $510,000 $255,000 -50.0% 0.0%
FIRST WORLD MORTGAGE CORPORATION $165,000 $245,000 48.5% 0.0%
PLAZA HOME MORTGAGE, INC. $225,000 $245,000 8.9% 0.0%
SOUTHPOINT FINANCIAL SERVICES, INC. $245,000 n/a 0.0%
Ally Bank $95,000 $240,000 152.6% 0.0%
LOANLEADERS OF AMERICA, INC. $235,000 n/a 0.0%
GEORGIA'S OWN $230,000 n/a 0.0%
Community First National Bank $225,000 n/a 0.0%
EMBRACE HOME LOANS, INC. $515,000 $225,000 -56.3% 0.0%
HOMESPIRE MORTGAGE CORPORATION $145,000 $225,000 55.2% 0.0%
Magnolia Bank $620,000 $225,000 -63.7% 0.0%
MID AMERICA MORTGAGE, INC. $225,000 n/a 0.0%
UNITED SECURITY FINANCIAL CORP $195,000 $225,000 15.4% 0.0%
SPRING EQ, LLC $100,000 $220,000 120.0% 0.0%
FINANCE OF AMERICA MORTGAGE LLC $215,000 n/a 0.0%
HomePromise Corporation $215,000 n/a 0.0%
United Fidelity Funding Corp. $215,000 $215,000 0.0% 0.0%
First Option Mortgage, LLC $210,000 n/a 0.0%
Prosperity Home Mortgage, LLC $245,000 $210,000 -14.3% 0.0%
SIGNATURE MORTGAGE CORPORATION $355,000 $210,000 -40.8% 0.0%
CANOPY MORTGAGE, LLC $205,000 n/a 0.0%
CREDIT UNION FINANCIAL SERVICES, LLC $115,000 $205,000 78.3% 0.0%
MIDLAND MORTGAGE CORPORATION $385,000 $205,000 -46.8% 0.0%
AMERICAN ADVISORS GROUP $235,000 $200,000 -14.9% 0.0%
121 FINANCIAL $195,000 n/a 0.0%
Republic Bank & Trust Company $195,000 n/a 0.0%
ROYAL UNITED MORTGAGE LLC $190,000 n/a 0.0%
ANGEL OAK HOME LOANS LLC $165,000 $185,000 12.1% 0.0%
First National Bank of Griffin $185,000 n/a 0.0%
Discover Bank $85,000 $175,000 105.9% 0.0%
EVERETT FINANCIAL, INC. $155,000 $175,000 12.9% 0.0%
INTERLINC MORTGAGE SERVICES, LLC $175,000 n/a 0.0%
NJ LENDERS CORP. $175,000 n/a 0.0%
ALLIANT CREDIT UNION $165,000 n/a 0.0%
AMERIFIRST FINANCIAL CORPORATION $165,000 n/a 0.0%
LENDUS, LLC $705,000 $165,000 -76.6% 0.0%
MID-ISLAND MORTGAGE CORP. $165,000 n/a 0.0%
TENNESSEE VALLEY $165,000 n/a 0.0%
CASTLE & COOKE MORTGAGE, LLC $155,000 n/a 0.0%
Chicago Mortgage Solutions LLC $155,000 n/a 0.0%
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. $155,000 n/a 0.0%
Quontic Bank $155,000 n/a 0.0%
RELIANCE FIRST CAPITAL, LLC $155,000 n/a 0.0%
TOGETHER CREDIT UNION $155,000 n/a 0.0%
VAN DYK MORTGAGE CORPORATION $155,000 n/a 0.0%
Figure Lending LLC $245,000 $150,000 -38.8% 0.0%
First Savings Bank $680,000 $145,000 -78.7% 0.0%
FLAT BRANCH MORTGAGE, INC. $145,000 n/a 0.0%
PROVIDENT FUNDING ASSOCIATES, L.P. $145,000 n/a 0.0%
Auto Club Trust, FSB $135,000 n/a 0.0%
LIBERTY HOME MORTGAGE CORPORATION $450,000 $135,000 -70.0% 0.0%
NTFN, INC. $135,000 n/a 0.0%
Paramount Bank $225,000 $135,000 -40.0% 0.0%
1ST SIGNATURE LENDING, LLC $445,000 $125,000 -71.9% 0.0%
Thomasville National Bank $125,000 n/a 0.0%
George Mason Mortgage, LLC $375,000 $115,000 -69.3% 0.0%
Lakeview Community Capital, LLC $1,030,000 $115,000 -88.8% 0.0%
Third Federal Savings and Loan Association of Cleveland $375,000 $115,000 -69.3% 0.0%
Waterstone Mortgage Corporation $105,000 n/a 0.0%
Willamette Valley Bank $105,000 n/a 0.0%
Glennville Bank $85,000 n/a 0.0%
LEADERONE FINANCIAL CORPORATION $85,000 n/a 0.0%
CREDIT HUMAN FEDERAL CREDIT UNION $75,000 n/a 0.0%
WRIGHT-PATT CREDIT UNION, INC. $75,000 n/a 0.0%
Regions Bank $495,000 $35,000 -92.9% 0.0%
TIAA, FSB $650,000 $25,000 -96.2% 0.0%

St. Marys's top lender by overall market share is QUICKEN LOANS, LLC, with 16.5% market share. In second place, with 10.5%, is GUARANTEED RATE, INC., having originated $77,700,000 in loans. In third place, with 8.3%, is NAVY FEDERAL CREDIT UNION, having originated $61,610,000 in loans. In third place, with 5.3%, is FREEDOM MORTGAGE CORPORATION, having originated $39,185,000 in loans. In third place, with 5.2%, is Mortgage Research Center, LLC, having originated $38,175,000 in loans.


St. Marys, GA Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 1,634 $418,650,000 $256,212
Refi 1,046 $217,930,000 $208,346
Cash Out Refi 472 $98,100,000 $207,839
Home Improvement 26 $2,030,000 $78,077
Other 22 $2,660,000 $120,909

St. Marys's most frequently cited loan purpose was Home Purchase, with 1,634 originations. The 2nd most popular reason was Refi, with 1,046 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
2.5-3% 1,325 $298,315,000 $225,143
<2.5% 871 $203,165,000 $233,255
3-4% 845 $207,095,000 $245,083
4-5% 77 $20,005,000 $259,805
Over 8% 14 $1,320,000 $94,286
5-6% 14 $1,010,000 $72,143
7-8% 9 $1,035,000 $115,000
6-7% 9 $785,000 $87,222

During 2021, St. Marys's most frequently originated rate bucket was 2.5-3%, with 1,325 originations.

Loan Sizing (St. Marys, GA MSA)

Loan Size Originations Total Value Average Loan
$200k-400k 1,452 $387,150,000 $266,632
$100k-200k 1,391 $217,555,000 $156,402
$100,000 or less 205 $15,115,000 $73,732
$400k-600k 131 $61,555,000 $469,885
$600k-1000k 13 $9,685,000 $745,000
$Over $1MM 8 $48,310,000 $6,038,750

St. Marys's loan sizing saw the bucket of loans from $200k-400k with 1,452 originations, totaling $387,150,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 1,472 $343,180,000 $233,139
60-80% 765 $198,665,000 $259,693
Over 100% 300 $83,970,000 $279,900
40-60% 228 $37,630,000 $165,044
20-40% 83 $9,525,000 $114,759
Under 20% 26 $1,060,000 $40,769

St. Marys's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 1,472 originations, totaling $343,180,000 in origination value.


Market Conditions (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 $227,000 (0.9%) $263,274 (5.8%) 0.00 388
2018-02-01 $238,900 (6.2%) $278,331 (10.2%) 0.00 388
2018-03-01 $232,000 (5.6%) $272,366 (7.4%) 0.00 389
2018-04-01 $244,000 (12.2%) $283,806 (10.8%) 0.00 389
2018-05-01 $241,750 (14.9%) $288,300 (13.8%) 0.00 378
2018-06-01 $235,000 (14.4%) $285,024 (13.7%) 0.00 406
2018-07-01 $235,450 (14.9%) $281,587 (13.4%) 0.00 421
2018-08-01 $235,000 (15.2%) $285,475 (13.2%) 0.00 441
2018-09-01 $229,900 (12.2%) $284,244 (14.1%) 0.00 445
2018-10-01 $225,400 (7.3%) $279,423 (9.5%) 0.00 483
2018-11-01 $220,900 (0.7%) $270,326 (4.1%) 0.00 510
2018-12-01 $225,000 (-2.1%) $271,820 (3.2%) 0.00 484
2019-01-01 $222,450 (-2.0%) $275,213 (4.5%) 0.00 421
2019-02-01 $222,450 (-6.9%) $280,966 (1.0%) 0.00 411
2019-03-01 $225,429 (-2.8%) $290,020 (6.5%) 0.00 389
2019-04-01 $227,500 (-6.8%) $293,177 (3.3%) 0.00 375
2019-05-01 $234,800 (-2.9%) $294,559 (2.2%) 0.00 371
2019-06-01 $232,900 (-0.9%) $288,722 (1.3%) 0.00 379
2019-07-01 $241,150 (2.4%) $293,033 (4.1%) 0.00 382
2019-08-01 $244,186 (3.9%) $293,177 (2.7%) 0.00 361
2019-09-01 $249,186 (8.4%) $294,867 (3.7%) 0.00 334
2019-10-01 $257,450 (14.2%) $302,552 (8.3%) 0.00 329
2019-11-01 $265,900 (20.4%) $308,545 (14.1%) 0.00 352
2019-12-01 $259,900 (15.5%) $309,006 (13.7%) 0.00 336
2020-01-01 $252,450 (13.5%) $308,200 (12.0%) 0.00 321
2020-02-01 $247,000 (11.0%) $304,089 (8.2%) 0.00 314
2020-03-01 $267,450 (18.6%) $326,644 (12.6%) 0.00 290
2020-04-01 $277,450 (22.0%) $326,769 (11.5%) 0.00 290
2020-05-01 $300,000 (27.8%) $337,937 (14.7%) 0.00 255
2020-06-01 $312,450 (34.2%) $346,464 (20.0%) 0.00 261
2020-07-01 $303,750 (26.0%) $341,804 (16.6%) 0.00 244
2020-08-01 $299,990 (22.9%) $357,311 (21.9%) 0.00 222
2020-09-01 $292,375 (17.3%) $354,686 (20.3%) 0.00 229
2020-10-01 $290,000 (12.6%) $350,814 (16.0%) 0.00 235
2020-11-01 $299,950 (12.8%) $355,964 (15.4%) 0.00 218
2020-12-01 $291,400 (12.1%) $344,907 (11.6%) 0.00 219
2021-01-01 $294,500 (16.7%) $353,253 (14.6%) 0.00 162
2021-02-01 $290,749 (17.7%) $364,228 (19.8%) 0.00 142
2021-03-01 $292,900 (9.5%) $365,801 (12.0%) 0.00 121
2021-04-01 $301,450 (8.7%) $386,528 (18.3%) 0.00 82
2021-05-01 $299,000 (-0.3%) $378,487 (12.0%) 0.00 93
2021-06-01 $299,400 (-4.2%) $369,655 (6.7%) 0.00 113
2021-07-01 $298,250 (-1.8%) $356,640 (4.3%) 0.00 124
2021-08-01 $289,500 (-3.5%) $348,512 (-2.5%) 0.00 142
2021-09-01 $294,200 (0.6%) $361,144 (1.8%) 0.00 118
2021-10-01 $304,900 (5.1%) $371,364 (5.9%) 0.00 133
2021-11-01 $317,450 (5.8%) $357,249 (0.4%) 0.00 139
2021-12-01 $307,350 (5.5%) $394,434 (14.4%) 0.00 131
2022-01-01 $321,400 (9.1%) $418,938 (18.6%) 0.00 119
2022-02-01 $382,995 (31.7%) $471,770 (29.5%) 0.00 99
2022-03-01 $374,245 (27.8%) $463,387 (26.7%) 0.00 79
2022-04-01 $375,990 (24.7%) $457,787 (18.4%) 0.00 90
2022-05-01 $364,500 (21.9%) $447,625 (18.3%) 0.00 108
St. Marys's median listing price for 2022-05-01 was $364,500, a difference of $65,500 (21.9%) versus the prior year and $-11,490 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 2022-05-01 was $447,625, a difference of $69,138 (18.3%) versus the prior year and $-10,162 versus the prior month.

For the 2022-05-01 period, St. Marys had 108 MLS listings, a difference of 18 listings (20%) versus the prior month and 15 listings (16%) 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 2,064 sqft
2018-02-01 0 days 2,095 sqft
2018-03-01 0 days 2,047 sqft
2018-04-01 0 days 2,073 sqft
2018-05-01 0 days 2,081 sqft
2018-06-01 0 days 2,100 sqft
2018-07-01 0 days 2,054 sqft
2018-08-01 0 days 2,078 sqft
2018-09-01 0 days 2,060 sqft
2018-10-01 0 days 2,041 sqft
2018-11-01 0 days 1,957 sqft
2018-12-01 0 days 1,956 sqft
2019-01-01 0 days 1,938 sqft
2019-02-01 0 days 2,015 sqft
2019-03-01 0 days 2,037 sqft
2019-04-01 0 days 2,053 sqft
2019-05-01 0 days 2,064 sqft
2019-06-01 0 days 2,017 sqft
2019-07-01 0 days 2,072 sqft
2019-08-01 0 days 2,079 sqft
2019-09-01 0 days 2,088 sqft
2019-10-01 0 days 2,106 sqft
2019-11-01 0 days 2,110 sqft
2019-12-01 0 days 2,096 sqft
2020-01-01 0 days 2,099 sqft
2020-02-01 0 days 2,072 sqft
2020-03-01 0 days 2,117 sqft
2020-04-01 0 days 2,150 sqft
2020-05-01 0 days 2,206 sqft
2020-06-01 0 days 2,280 sqft
2020-07-01 0 days 2,244 sqft
2020-08-01 0 days 2,257 sqft
2020-09-01 0 days 2,248 sqft
2020-10-01 0 days 2,205 sqft
2020-11-01 0 days 2,114 sqft
2020-12-01 0 days 2,106 sqft
2021-01-01 0 days 2,143 sqft
2021-02-01 0 days 2,132 sqft
2021-03-01 0 days 2,066 sqft
2021-04-01 0 days 2,076 sqft
2021-05-01 0 days 1,993 sqft
2021-06-01 0 days 2,060 sqft
2021-07-01 0 days 2,007 sqft
2021-08-01 0 days 2,054 sqft
2021-09-01 0 days 2,023 sqft
2021-10-01 0 days 2,036 sqft
2021-11-01 0 days 2,004 sqft
2021-12-01 0 days 2,009 sqft
2022-01-01 0 days 2,042 sqft
2022-02-01 0 days 2,191 sqft
2022-03-01 0 days 2,087 sqft
2022-04-01 0 days 2,057 sqft
2022-05-01 0 days 2,098 sqft
St. Marys's median listing age (time on market) for 2022-05-01 was 0 days.

St. Marys's median square footage for active listings during the 2022-05-01 period was 2,098 sqft. One year prior, the average listing was 1,993 sqft.