St. Marys Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in St. Marys averaged
6.67%
for the week of 2025-04-03, compared to the national average of
6.64% for the same period.
The average rate for the prior week (2025-03-27) was
6.78% and
one month ago for the week of 2025-02-27, the
average rate was 6.79%.
St. Marys's average rate one year ago was 6.82%.
For refis of the same type during the week of 2025-04-03, the average rate
was 6.54%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-04-03 | 6.64% |
| St. Marys 30 Year Fixed Rate | 2025-04-03 | 6.67% |
| St. Marys 30 Year Fixed Rate Refi | 2025-04-03 | 6.54% |
| St. Marys 15 Year Fixed Rate | 2025-04-03 | 5.62% |
| St. Marys 15 Year Fixed Rate Refi | 2025-04-03 | 5.92% |
| St. Marys 30 Year FHA | 2025-04-03 | 5.93% |
| St. Marys 30 Year FHA Refi | 2025-04-03 | 6.06% |
| St. Marys 30 Year USDA | 2025-04-03 | 6.42% |
| St. Marys 30 Year USDA Refi | 2025-04-03 | 6.42% |
| St. Marys 30 Year VA | 2025-04-03 | 5.68% |
| St. Marys 30 Year VA Refi | 2025-04-03 | 5.44% |
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 74 lenders originated 1,823
loans during 2024. The total origination value was $530,545,000, with an average loan value of
$291,029.
St. Marys's average closing costs are $5,992.
The top St. Marys lender as defined by loan originations is QUICKEN LOANS, LLC, with
108 loans originated. Their average total fees are
$5,987, which is $937
higher than the next largest lender,
NAVY FEDERAL CREDIT UNION.
The lowest fee St. Marys lenders (with over 10 loans originated) are
South Pacific Financial Corporation ($3,406), NAVY FEDERAL CREDIT UNION ($5,051), QUICKEN LOANS, LLC ($5,987), EMM LOANS LLC ($6,534) and FAIRWAY INDEPENDENT MORTGAGE CORPORATION ($7,109).
The lowest rate St. Marys lenders (with over 10 loans originated) are
South Pacific Financial Corporation (5.93%), FAIRWAY INDEPENDENT MORTGAGE CORPORATION (6.58%), NAVY FEDERAL CREDIT UNION (6.62%), PENNYMAC LOAN SERVICES, LLC (6.71%) and QUICKEN LOANS, LLC (6.74%).
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 | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| QUICKEN LOANS, LLC | $61,380,000 | $100,145,000 | 63.2% | 18.9% |
| GREYSTONE SERVICING COMPANY LLC | $37,445,000 | n/a | 7.1% | |
| NAVY FEDERAL CREDIT UNION | $36,715,000 | $36,835,000 | 0.3% | 6.9% |
| Mortgage Research Center, LLC | $24,845,000 | $29,940,000 | 20.5% | 5.6% |
| ORIX REAL ESTATE CAPITAL, LLC | $25,880,000 | n/a | 4.9% | |
| UNITED WHOLESALE MORTGAGE, LLC | $12,625,000 | $22,035,000 | 74.5% | 4.2% |
| DHI MORTGAGE COMPANY, LTD. | $14,060,000 | $18,195,000 | 29.4% | 3.4% |
| Presidential Bank, FSB | $15,900,000 | n/a | 3.0% | |
| FREEDOM MORTGAGE CORPORATION | $5,585,000 | $14,410,000 | 158.0% | 2.7% |
| NBKC BANK | $13,210,000 | $14,280,000 | 8.1% | 2.7% |
| PENNYMAC LOAN SERVICES, LLC | $7,215,000 | $11,880,000 | 64.7% | 2.2% |
| GUARANTEED RATE, INC. | $36,830,000 | $11,370,000 | -69.1% | 2.1% |
| Century Mortgage Company DBA Century Lending Company | $5,795,000 | $10,980,000 | 89.5% | 2.1% |
| EMM LOANS LLC | $5,870,000 | $10,000,000 | 70.4% | 1.9% |
| South Pacific Financial Corporation | $7,850,000 | n/a | 1.5% | |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $9,745,000 | $7,655,000 | -21.4% | 1.4% |
| HOMESIDE FINANCIAL, LLC | $550,000 | $7,410,000 | 1,247.3% | 1.4% |
| NEWREZ LLC | $1,985,000 | $5,400,000 | 172.0% | 1.0% |
| PrimeSouth Bank | $3,490,000 | $5,365,000 | 53.7% | 1.0% |
| Paramount Residential Mortgage Group, Inc. | $2,640,000 | $5,145,000 | 94.9% | 1.0% |
| INSPIRE HOME LOANS INC. | $900,000 | $4,885,000 | 442.8% | 0.9% |
| LOANDEPOT.COM, LLC | $2,765,000 | $4,720,000 | 70.7% | 0.9% |
| Southeastern Bank | $3,445,000 | $4,475,000 | 29.9% | 0.8% |
| BROKER SOLUTIONS, INC. | $2,580,000 | $4,405,000 | 70.7% | 0.8% |
| Mr. Cooper ( Nationstar Mortgage ) | $1,565,000 | $3,550,000 | 126.8% | 0.7% |
| Ameris Bank | $2,875,000 | $3,415,000 | 18.8% | 0.6% |
| USAA Federal Savings Bank | $2,155,000 | $3,260,000 | 51.3% | 0.6% |
| PLANET HOME LENDING, LLC | $630,000 | $3,115,000 | 394.4% | 0.6% |
| TOWNE MORTGAGE COMPANY | $3,105,000 | n/a | 0.6% | |
| CROSSCOUNTRY MORTGAGE, LLC | $1,405,000 | $3,095,000 | 120.3% | 0.6% |
| MOVEMENT MORTGAGE, LLC | $1,800,000 | $3,085,000 | 71.4% | 0.6% |
| United Community Bank | $1,090,000 | $3,065,000 | 181.2% | 0.6% |
| GEORGIA'S OWN | $1,065,000 | $2,685,000 | 152.1% | 0.5% |
| Carrington Mortgage Services, LLC | $1,725,000 | $2,355,000 | 36.5% | 0.4% |
| Wells Fargo Bank | $2,625,000 | $2,320,000 | -11.6% | 0.4% |
| FIRST CONTINENTAL MORTGAGE, LTD. | $2,300,000 | n/a | 0.4% | |
| Pineland Bank | $2,240,000 | n/a | 0.4% | |
| VILLAGE CAPITAL MORTGAGE | $1,215,000 | $2,135,000 | 75.7% | 0.4% |
| INTERCOASTAL MORTGAGE COMPANY | $2,600,000 | $2,070,000 | -20.4% | 0.4% |
| UNION HOME MORTGAGE CORP. | $695,000 | $1,870,000 | 169.1% | 0.4% |
| 21ST MORTGAGE CORPORATION | $2,125,000 | $1,810,000 | -14.8% | 0.3% |
| LENDINGHOME FUNDING CORPORATION | $165,000 | $1,790,000 | 984.8% | 0.3% |
| VYSTAR | $495,000 | $1,525,000 | 208.1% | 0.3% |
| MORTGAGEONE, INC. | $275,000 | $1,500,000 | 445.5% | 0.3% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $2,410,000 | $1,435,000 | -40.5% | 0.3% |
| The Federal Savings Bank | $960,000 | $1,345,000 | 40.1% | 0.3% |
| Capital City Home Loans, LLC | $2,080,000 | $1,205,000 | -42.1% | 0.2% |
| Synovus Bank | $1,405,000 | $1,195,000 | -14.9% | 0.2% |
| Dollar Bank, Federal Savings Bank | $700,000 | $1,180,000 | 68.6% | 0.2% |
| The First, A National Banking Association | $810,000 | $1,065,000 | 31.5% | 0.2% |
| Regions Bank | $2,035,000 | $1,060,000 | -47.9% | 0.2% |
| JPMorgan Chase Bank | $1,125,000 | $1,000,000 | -11.1% | 0.2% |
| AMERISAVE MORTGAGE CORPORATION | $2,145,000 | $990,000 | -53.8% | 0.2% |
| NexBank | $730,000 | $985,000 | 34.9% | 0.2% |
| First Federal Bank | $950,000 | $965,000 | 1.6% | 0.2% |
| NEW DAY FINANCIAL, LLC | $1,755,000 | $945,000 | -46.2% | 0.2% |
| Flagstar Bank, FSB | $950,000 | $935,000 | -1.6% | 0.2% |
| LAKEVIEW LOAN SERVICING, LLC | $255,000 | $935,000 | 266.7% | 0.2% |
| Prosperity Home Mortgage, LLC | $1,120,000 | $920,000 | -17.9% | 0.2% |
| Bank of America | $1,760,000 | $875,000 | -50.3% | 0.2% |
| Truist | $925,000 | $875,000 | -5.4% | 0.2% |
| United Bank | $875,000 | n/a | 0.2% | |
| EVERETT FINANCIAL, INC. | $255,000 | $870,000 | 241.2% | 0.2% |
| Mid-Continent Funding, Inc. | $205,000 | $850,000 | 314.6% | 0.2% |
| Figure Lending LLC | $385,000 | $840,000 | 118.2% | 0.2% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $640,000 | $840,000 | 31.3% | 0.2% |
| Equity Prime Mortgage LLC | $215,000 | $835,000 | 288.4% | 0.2% |
| CMG MORTGAGE, INC. | $6,070,000 | $820,000 | -86.5% | 0.2% |
| FINANCE OF AMERICA REVERSE LLC | $485,000 | $790,000 | 62.9% | 0.1% |
| South Georgia Bank | $785,000 | n/a | 0.1% | |
| MUTUAL OF OMAHA MORTGAGE, INC. | $2,420,000 | $770,000 | -68.2% | 0.1% |
| BANKSOUTH MORTGAGE COMPANY, LLC | $765,000 | n/a | 0.1% | |
| SUN WEST MORTGAGE COMPANY, INC. | $375,000 | $755,000 | 101.3% | 0.1% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $3,785,000 | $750,000 | -80.2% | 0.1% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $745,000 | n/a | 0.1% | |
| GUARANTEED RATE AFFINITY, LLC | $955,000 | $725,000 | -24.1% | 0.1% |
| CANOPY MORTGAGE, LLC | $640,000 | n/a | 0.1% | |
| LIBERTY HOME MORTGAGE CORPORATION | $245,000 | $640,000 | 161.2% | 0.1% |
| AMERICAN FINANCIAL NETWORK, INC. | $285,000 | $610,000 | 114.0% | 0.1% |
| PENTAGON FEDERAL CREDIT UNION | $2,025,000 | $605,000 | -70.1% | 0.1% |
| Citizens Bank | $1,505,000 | $600,000 | -60.1% | 0.1% |
| U.S. Bank | $150,000 | $600,000 | 300.0% | 0.1% |
| Barrington Bank & Trust Company, N.A. | $570,000 | n/a | 0.1% | |
| BETTER MORTGAGE CORPORATION | $535,000 | $555,000 | 3.7% | 0.1% |
| Discover Bank | $165,000 | $525,000 | 218.2% | 0.1% |
| Magnolia Bank | $520,000 | n/a | 0.1% | |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $490,000 | n/a | 0.1% | |
| LOANPAL, LLC | $440,000 | $480,000 | 9.1% | 0.1% |
| ACOPIA, LLC | $275,000 | $465,000 | 69.1% | 0.1% |
| Performance Financial, Inc. | $465,000 | n/a | 0.1% | |
| OCMBC, INC. | $440,000 | n/a | 0.1% | |
| ROYAL UNITED MORTGAGE LLC | $105,000 | $425,000 | 304.8% | 0.1% |
| HOMESTEAD FUNDING CORP. | $415,000 | n/a | 0.1% | |
| MILEND, INC. | $155,000 | $400,000 | 158.1% | 0.1% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $740,000 | $400,000 | -45.9% | 0.1% |
| SOUTHWEST STAGE FUNDING, LLC | $125,000 | $390,000 | 212.0% | 0.1% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | $375,000 | n/a | 0.1% | |
| AgSouth Farm Credit, ACA | $345,000 | n/a | 0.1% | |
| Keystone Funding, Inc. | $345,000 | n/a | 0.1% | |
| FIRST COLONY MORTGAGE CORPORATION | $335,000 | n/a | 0.1% | |
| SPRING EQ, LLC | $335,000 | n/a | 0.1% | |
| CALCON MUTUAL MORTGAGE LLC | $330,000 | n/a | 0.1% | |
| SOUTHPOINT FINANCIAL SERVICES, INC. | $330,000 | n/a | 0.1% | |
| Lakeview Community Capital, LLC | $35,000 | $325,000 | 828.6% | 0.1% |
| MICHIGAN STATE UNIVERSITY FEDERAL CREDIT UNION | $315,000 | n/a | 0.1% | |
| STOCKTON MORTGAGE CORPORATION | $315,000 | n/a | 0.1% | |
| The Loan Store, Inc. | $310,000 | n/a | 0.1% | |
| COMMUNITY FIRST CREDIT UNION OF FLO | $1,010,000 | $305,000 | -69.8% | 0.1% |
| First Horizon Bank | $305,000 | n/a | 0.1% | |
| LENOX FINANCIAL MORTGAGE CORPORATION | $305,000 | n/a | 0.1% | |
| Peoples Bank | $175,000 | $305,000 | 74.3% | 0.1% |
| Florida Capital Bank | $90,000 | $300,000 | 233.3% | 0.1% |
| Franklin Loan Corporation | $295,000 | n/a | 0.1% | |
| GENEVA FINANCIAL, LLC | $295,000 | n/a | 0.1% | |
| The Croghan Colonial Bank | $295,000 | n/a | 0.1% | |
| DELMAR FINANCIAL COMPANY | $285,000 | n/a | 0.1% | |
| LENDINGONE, LLC | $285,000 | n/a | 0.1% | |
| T2 FINANCIAL LLC | $285,000 | n/a | 0.1% | |
| PNC Bank | $645,000 | $280,000 | -56.6% | 0.1% |
| TOP FLITE FINANCIAL, INC. | $670,000 | $280,000 | -58.2% | 0.1% |
| Metro City Bank | $275,000 | n/a | 0.1% | |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | $970,000 | $270,000 | -72.2% | 0.1% |
| Goldwater Bank, N.A. | $265,000 | n/a | 0.0% | |
| Plains Commerce Bank | $1,400,000 | $265,000 | -81.1% | 0.0% |
| RESOURCE FINANCIAL SERVICES, INC. | $265,000 | n/a | 0.0% | |
| DIGITAL Federal Credit Union | $255,000 | n/a | 0.0% | |
| CITIZENS EQUITY FIRST | $245,000 | n/a | 0.0% | |
| Hancock Whitney Bank | $235,000 | n/a | 0.0% | |
| PHH Mortgage Corporation | $205,000 | $225,000 | 9.8% | 0.0% |
| Ally Bank | $215,000 | $215,000 | 0.0% | 0.0% |
| Commerce Home Mortgage, Inc. | $215,000 | n/a | 0.0% | |
| AMERICAN FINANCIAL RESOURCES, INC. | $205,000 | $205,000 | 0.0% | 0.0% |
| CLEARPATH LENDING | $475,000 | $205,000 | -56.8% | 0.0% |
| LOANLEADERS OF AMERICA, INC. | $205,000 | n/a | 0.0% | |
| DEVELOPER'S MORTGAGE COMPANY | $195,000 | n/a | 0.0% | |
| PREMIER MORTGAGE RESOURCES, L.L.C. | $195,000 | n/a | 0.0% | |
| RELIANCE FIRST CAPITAL, LLC | $315,000 | $195,000 | -38.1% | 0.0% |
| Univest Bank and Trust Co. | $195,000 | n/a | 0.0% | |
| DOMINION FINANCIAL SERVICES, LLC | $125,000 | $185,000 | 48.0% | 0.0% |
| ENDEAVOR CAPITAL, LLC. | $185,000 | n/a | 0.0% | |
| Horizon Bank | $185,000 | n/a | 0.0% | |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $570,000 | $185,000 | -67.5% | 0.0% |
| CREDIT UNION FINANCIAL SERVICES, LLC | $175,000 | n/a | 0.0% | |
| Residential Mortgage Solutions, Inc. | $165,000 | n/a | 0.0% | |
| CARDINAL FINANCIAL | $1,220,000 | $155,000 | -87.3% | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | $155,000 | n/a | 0.0% | |
| Baxter Credit Union | $145,000 | n/a | 0.0% | |
| MEMBER FIRST MORTGAGE, LLC | $155,000 | $145,000 | -6.5% | 0.0% |
| The Huntington National Bank | $145,000 | n/a | 0.0% | |
| South State Bank | $485,000 | $140,000 | -71.1% | 0.0% |
| JUSTICE Federal Credit Union | $135,000 | n/a | 0.0% | |
| Nations Lending Corporation | $135,000 | n/a | 0.0% | |
| Fifth Third Bank | $820,000 | $130,000 | -84.1% | 0.0% |
| M&T Bank | $460,000 | $125,000 | -72.8% | 0.0% |
| Home Mortgage Alliance Corp | $120,000 | n/a | 0.0% | |
| CHEVRON | $105,000 | n/a | 0.0% | |
| RESIDENTIAL BANCORP | $105,000 | n/a | 0.0% | |
| AMERICAN HOME MORTGAGE, INC. | $95,000 | n/a | 0.0% | |
| Northwest Federal Credit Union | $95,000 | n/a | 0.0% | |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $145,000 | $85,000 | -41.4% | 0.0% |
| ATLANTA POSTAL | $75,000 | n/a | 0.0% | |
| Capital City Bank | $75,000 | n/a | 0.0% | |
| CIS Financial Services, Inc. | $75,000 | n/a | 0.0% | |
| GUILD MORTGAGE COMPANY | $255,000 | $75,000 | -70.6% | 0.0% |
| Exchange Bank | $65,000 | n/a | 0.0% | |
| EASTMAN | $55,000 | n/a | 0.0% | |
| Glennville Bank | $55,000 | n/a | 0.0% | |
| Third Federal Savings and Loan Association of Cleveland | $55,000 | $55,000 | 0.0% | 0.0% |
| ALLIANT CREDIT UNION | $35,000 | n/a | 0.0% | |
| TOGETHER CREDIT UNION | $35,000 | n/a | 0.0% | |
| Home Loan Investment Bank, F.S.B. | $25,000 | n/a | 0.0% | |
| INTERSTATE UNLIMITED Federal Credit Union | $340,000 | $25,000 | -92.6% | 0.0% |
St. Marys's top lender by overall market share is QUICKEN LOANS, LLC, with 18.9% market share. In second place, with 7.1%, is GREYSTONE SERVICING COMPANY LLC, having originated $37,445,000 in loans. In third place, with 6.9%, is NAVY FEDERAL CREDIT UNION, having originated $36,835,000 in loans. In fourth place, with 5.6%, is Mortgage Research Center, LLC, having originated $29,940,000 in loans. In fifth place, with 4.9%, is ORIX REAL ESTATE CAPITAL, LLC, having originated $25,880,000 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 |
| 2024-11-01 | $395,000 (13.1%) | $447,073 (-1.8%) | 0.00 | 332 |
| 2024-12-01 | $389,950 (10.8%) | $440,692 (-3.6%) | 0.00 | 340 |
St. Marys's median listing price comes in at 0% of the national average.
St. Marys's average listing price for 2024-12-01 was $440,692, a difference of $-16,407 (-3.6%) versus the prior year and $-6,381 versus the prior month.
For the 2024-12-01 period, St. Marys had 340 MLS listings, a difference of 8 listings (2%) versus the prior month and 122 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 |
| 2024-11-01 | 0 days | 2,051 sqft |
| 2024-12-01 | 0 days | 2,040 sqft |
St. Marys's median square footage for active listings during the 2024-12-01 period was 2,040 sqft. One year prior, the average listing was 1,956 sqft.
St. Marys, GA Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 1,092 | $386,080,000 | $353,553 |
| Cash Out Refi | 258 | $53,800,000 | $208,527 |
| Refi | 223 | $69,765,000 | $312,848 |
| Other | 145 | $12,695,000 | $87,552 |
| Home Improvement | 104 | $7,990,000 | $76,827 |
| NA | 1 | $215,000 | $215,000 |
St. Marys's most frequently cited loan purpose was Home Purchase, with 1,092 originations. The 2nd most popular reason was Cash Out Refi, with 258 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 746 | $253,610,000 | $339,960 |
| 5-6% | 420 | $153,390,000 | $365,214 |
| Over 8% | 292 | $29,140,000 | $99,795 |
| 7-8% | 228 | $57,390,000 | $251,711 |
| 4-5% | 73 | $21,285,000 | $291,575 |
| 3-4% | 23 | $5,965,000 | $259,348 |
| <2.5% | 5 | $285,000 | $57,000 |
| 2.5-3% | 3 | $795,000 | $265,000 |
During 2024, St. Marys's most frequently originated rate bucket was 6-7%, with 746 originations.
Loan Sizing (St. Marys, GA MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 1,024 | $293,860,000 | $286,973 |
| $100,000 or less | 294 | $16,760,000 | $57,007 |
| $100k-200k | 282 | $43,050,000 | $152,660 |
| $400k-600k | 178 | $83,350,000 | $468,258 |
| $600k-1000k | 39 | $26,905,000 | $689,872 |
| $Over $1MM | 6 | $66,620,000 | $11,103,333 |
St. Marys's loan sizing saw the bucket of loans from $200k-400k with 1,024 originations, totaling $293,860,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 778 | $243,820,000 | $313,393 |
| 60-80% | 248 | $106,520,000 | $429,516 |
| Over 100% | 225 | $75,615,000 | $336,067 |
| Under 20% | 187 | $9,585,000 | $51,257 |
| 20-40% | 158 | $18,120,000 | $114,684 |
| 40-60% | 138 | $31,510,000 | $228,333 |
St. Marys's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 778 originations, totaling $243,820,000 in origination value.