VALDOSTA Mortgage Rates & Closing Costs
30yr Fixed Rate
15yr Fixed Rate
FHA
USDA
VA
5/1 ARM
30 Year Fixed Rate mortgages in Valdosta averaged
6.97%
for the week of 2024-04-18, compared to the national average of
7.1% for the same period.
The average rate for the prior week (2024-04-11) was
7.05% and
one month ago for the week of 2024-03-14, the
average rate was 6.71%.
Valdosta's average rate one year ago was 6.44%.
For refis of the same type during the week of 2024-04-18, the average rate
was 7.6%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2024-04-18 | 7.1% |
| Valdosta 30 Year Fixed Rate | 2024-04-18 | 6.97% |
| Valdosta 30 Year Fixed Rate Refi | 2024-04-18 | 7.6% |
| Valdosta 15 Year Fixed Rate | 2024-04-18 | 6.39% |
| Valdosta 15 Year Fixed Rate Refi | 2024-04-18 | 6.99% |
| Valdosta 30 Year FHA | 2024-04-18 | 6.85% |
| Valdosta 30 Year FHA Refi | 2024-04-18 | 6.96% |
| Valdosta 30 Year USDA | 2024-04-18 | 7.06% |
| Valdosta 30 Year USDA Refi | 2024-04-18 | 6.96% |
| Valdosta 30 Year VA | 2024-04-18 | 6.76% |
| Valdosta 30 Year VA Refi | 2024-04-18 | 6.86% |
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within VALDOSTA, GA.
VALDOSTA 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 VALDOSTA, 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.).
VALDOSTA Average Closing Costs & Other Stats
VALDOSTA, GA's 104 lenders originated 2,580
loans during 2023. The total origination value was $500,360,000, with an average loan value of
$193,938.
VALDOSTA's average closing costs are $5,496.
The top VALDOSTA lender as defined by loan originations is Ameris Bank, with
50 loans originated. Their average total fees are
$5,642, which is $724
lower than the next largest lender,
FAIRWAY INDEPENDENT MORTGAGE CORPORATION.
The lowest fee VALDOSTA lenders (with over 10 loans originated) are
SOUTHEASTERN Credit Union ($1,912), DHI MORTGAGE COMPANY, LTD. ($2,449), Colony Bank ($4,129), Ameris Bank ($5,642) and Renasant Bank ($6,024).
The lowest rate VALDOSTA lenders (with over 10 loans originated) are
DHI MORTGAGE COMPANY, LTD. (5.70%), UNITED WHOLESALE MORTGAGE, LLC (6.66%), FAIRWAY INDEPENDENT MORTGAGE CORPORATION (6.69%), SOUTHEASTERN Credit Union (6.71%) and Colony Bank (6.74%).
VALDOSTA, GA Mortgage Market Share & Volume
Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.
| Name | 2022 Loan Value | 2023 Loan Value | % Change | 2023 Market Share |
|---|---|---|---|---|
| Mortgage Research Center, LLC | $60,885,000 | $40,135,000 | -34.1% | 8.0% |
| Ameris Bank | $56,985,000 | $36,895,000 | -35.3% | 7.4% |
| First Federal Savings and Loan Association of Valdosta | $41,500,000 | $25,975,000 | -37.4% | 5.2% |
| QUICKEN LOANS, LLC | $42,730,000 | $25,810,000 | -39.6% | 5.2% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $53,410,000 | $25,430,000 | -52.4% | 5.1% |
| UNITED WHOLESALE MORTGAGE, LLC | $19,000,000 | $19,835,000 | 4.4% | 4.0% |
| DHI MORTGAGE COMPANY, LTD. | $845,000 | $17,575,000 | 1,979.9% | 3.5% |
| Commercial Banking Company | $13,620,000 | $16,865,000 | 23.8% | 3.4% |
| Farmers & Merchants Bank | $20,085,000 | $15,475,000 | -23.0% | 3.1% |
| Guardian Bank | $15,685,000 | $14,125,000 | -9.9% | 2.8% |
| Renasant Bank | $25,530,000 | $13,070,000 | -48.8% | 2.6% |
| NAVY FEDERAL CREDIT UNION | $10,960,000 | $12,770,000 | 16.5% | 2.6% |
| BANKSOUTH MORTGAGE COMPANY, LLC | $15,015,000 | $12,220,000 | -18.6% | 2.4% |
| SOUTHEASTERN Credit Union | $18,850,000 | $10,310,000 | -45.3% | 2.1% |
| Colony Bank | $20,890,000 | $9,475,000 | -54.6% | 1.9% |
| USAA Federal Savings Bank | $10,665,000 | $9,340,000 | -12.4% | 1.9% |
| Synovus Bank | $13,875,000 | $7,830,000 | -43.6% | 1.6% |
| The First, A National Banking Association | $24,255,000 | $7,725,000 | -68.2% | 1.5% |
| Citizens Community Bank | $13,250,000 | $6,300,000 | -52.5% | 1.3% |
| NBKC BANK | $3,695,000 | $5,355,000 | 44.9% | 1.1% |
| PENNYMAC LOAN SERVICES, LLC | $6,680,000 | $4,780,000 | -28.4% | 1.0% |
| LOANDEPOT.COM, LLC | $9,275,000 | $4,325,000 | -53.4% | 0.9% |
| FREEDOM MORTGAGE CORPORATION | $7,355,000 | $4,140,000 | -43.7% | 0.8% |
| STOCKTON MORTGAGE CORPORATION | $1,365,000 | $4,100,000 | 200.4% | 0.8% |
| The Citizens National Bank of Quitman | $3,845,000 | n/a | 0.8% | |
| HOMESTAR FINANCIAL CORPORATION | $7,985,000 | $3,810,000 | -52.3% | 0.8% |
| Truist | $2,680,000 | $3,715,000 | 38.6% | 0.7% |
| BROKER SOLUTIONS, INC. | $4,235,000 | $3,600,000 | -15.0% | 0.7% |
| Mr. Cooper ( Nationstar Mortgage ) | $7,010,000 | $3,530,000 | -49.6% | 0.7% |
| Flagstar Bank, FSB | $4,700,000 | $3,405,000 | -27.6% | 0.7% |
| FIRST COMMERCE CREDIT UNION | $7,990,000 | $3,385,000 | -57.6% | 0.7% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $2,500,000 | $3,160,000 | 26.4% | 0.6% |
| JPMorgan Chase Bank | $4,210,000 | $3,070,000 | -27.1% | 0.6% |
| The Federal Savings Bank | $520,000 | $2,865,000 | 451.0% | 0.6% |
| Bank of America | $6,270,000 | $2,765,000 | -55.9% | 0.6% |
| AMERISAVE MORTGAGE CORPORATION | $3,530,000 | $2,740,000 | -22.4% | 0.5% |
| Wells Fargo Bank | $14,535,000 | $2,695,000 | -81.5% | 0.5% |
| Regions Bank | $1,825,000 | $2,640,000 | 44.7% | 0.5% |
| GUARANTEED RATE, INC. | $2,145,000 | $2,465,000 | 14.9% | 0.5% |
| CROSSCOUNTRY MORTGAGE, LLC | $2,760,000 | $2,405,000 | -12.9% | 0.5% |
| NEW DAY FINANCIAL, LLC | $2,450,000 | $2,370,000 | -3.3% | 0.5% |
| LIMA ONE CAPITAL, LLC | $5,600,000 | $2,325,000 | -58.5% | 0.5% |
| Dollar Bank, Federal Savings Bank | $2,265,000 | n/a | 0.5% | |
| GUILD MORTGAGE COMPANY | $555,000 | $2,045,000 | 268.5% | 0.4% |
| CARDINAL FINANCIAL | $3,935,000 | $1,920,000 | -51.2% | 0.4% |
| PENTAGON FEDERAL CREDIT UNION | $4,400,000 | $1,770,000 | -59.8% | 0.4% |
| 1ST SIGNATURE LENDING, LLC | $1,915,000 | $1,715,000 | -10.4% | 0.3% |
| AMERICAN FINANCIAL NETWORK, INC. | $1,705,000 | n/a | 0.3% | |
| 21ST MORTGAGE CORPORATION | $1,970,000 | $1,675,000 | -15.0% | 0.3% |
| Carrington Mortgage Services, LLC | $1,090,000 | $1,595,000 | 46.3% | 0.3% |
| Barrington Bank & Trust Company, N.A. | $2,000,000 | $1,490,000 | -25.5% | 0.3% |
| Equity Prime Mortgage LLC | $645,000 | $1,440,000 | 123.3% | 0.3% |
| Bank of the Lowcountry | $1,355,000 | n/a | 0.3% | |
| South State Bank | $85,000 | $1,315,000 | 1,447.1% | 0.3% |
| CANOPY MORTGAGE, LLC | $1,265,000 | n/a | 0.3% | |
| Paramount Residential Mortgage Group, Inc. | $2,465,000 | $1,110,000 | -55.0% | 0.2% |
| MOVEMENT MORTGAGE, LLC | $1,875,000 | $1,040,000 | -44.5% | 0.2% |
| LAKEVIEW LOAN SERVICING, LLC | $2,235,000 | $1,030,000 | -53.9% | 0.2% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $1,220,000 | $995,000 | -18.4% | 0.2% |
| HOMESIDE FINANCIAL, LLC | $1,480,000 | $975,000 | -34.1% | 0.2% |
| Mid-Continent Funding, Inc. | $370,000 | $975,000 | 163.5% | 0.2% |
| First Federal Bank | $750,000 | $970,000 | 29.3% | 0.2% |
| LENDINGHOME FUNDING CORPORATION | $150,000 | $935,000 | 523.3% | 0.2% |
| First Option Mortgage, LLC | $930,000 | n/a | 0.2% | |
| EVERETT FINANCIAL, INC. | $1,565,000 | $905,000 | -42.2% | 0.2% |
| Plains Commerce Bank | $905,000 | n/a | 0.2% | |
| CMG MORTGAGE, INC. | $1,220,000 | $895,000 | -26.6% | 0.2% |
| PNC Bank | $1,895,000 | $875,000 | -53.8% | 0.2% |
| Capital City Home Loans, LLC | $815,000 | $825,000 | 1.2% | 0.2% |
| Citizens Bank | $825,000 | n/a | 0.2% | |
| Discover Bank | $220,000 | $820,000 | 272.7% | 0.2% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $400,000 | $795,000 | 98.8% | 0.2% |
| UNION HOME MORTGAGE CORP. | $1,230,000 | $795,000 | -35.4% | 0.2% |
| Prosperity Home Mortgage, LLC | $570,000 | $785,000 | 37.7% | 0.2% |
| OCMBC, INC. | $720,000 | n/a | 0.1% | |
| MILEND, INC. | $390,000 | $700,000 | 79.5% | 0.1% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $245,000 | $690,000 | 181.6% | 0.1% |
| VILLAGE CAPITAL MORTGAGE | $1,300,000 | $685,000 | -47.3% | 0.1% |
| Farmers Bank & Trust | $665,000 | n/a | 0.1% | |
| RELIANCE FIRST CAPITAL, LLC | $425,000 | $650,000 | 52.9% | 0.1% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $155,000 | $645,000 | 316.1% | 0.1% |
| Thomasville National Bank | $2,345,000 | $645,000 | -72.5% | 0.1% |
| FirstBank | $2,115,000 | $620,000 | -70.7% | 0.1% |
| Figure Lending LLC | $245,000 | $605,000 | 146.9% | 0.1% |
| Service Federal Credit Union | $395,000 | $600,000 | 51.9% | 0.1% |
| American Mortgage & Equity Consultants, Inc. | $595,000 | n/a | 0.1% | |
| U.S. Bank | $1,615,000 | $595,000 | -63.2% | 0.1% |
| SOUTHWEST STAGE FUNDING, LLC | $1,360,000 | $590,000 | -56.6% | 0.1% |
| Century Mortgage Company DBA Century Lending Company | $585,000 | n/a | 0.1% | |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $395,000 | $560,000 | 41.8% | 0.1% |
| ANGEL OAK HOME LOANS LLC | $25,275,000 | $555,000 | -97.8% | 0.1% |
| GENEVA FINANCIAL, LLC | $445,000 | $550,000 | 23.6% | 0.1% |
| AMERICAN FINANCING CORPORATION | $1,030,000 | $535,000 | -48.1% | 0.1% |
| First National Community Bank | $535,000 | n/a | 0.1% | |
| NEWREZ LLC | $1,460,000 | $535,000 | -63.4% | 0.1% |
| SECURITYNATIONAL MORTGAGE COMPANY | $625,000 | $510,000 | -18.4% | 0.1% |
| BancorpSouth | $425,000 | $505,000 | 18.8% | 0.1% |
| TOP FLITE FINANCIAL, INC. | $475,000 | n/a | 0.1% | |
| FLAT BRANCH MORTGAGE, INC. | $285,000 | $470,000 | 64.9% | 0.1% |
| Citadel Servicing Corporation | $465,000 | n/a | 0.1% | |
| FIRST NATIONAL BANK OF COFFEE COUNTY | $460,000 | n/a | 0.1% | |
| MICHIGAN MUTUAL, INC. | $460,000 | n/a | 0.1% | |
| MORTGAGE ACCESS CORP. | $345,000 | $440,000 | 27.5% | 0.1% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | $435,000 | n/a | 0.1% | |
| ACADEMY MORTGAGE CORPORATION | $425,000 | n/a | 0.1% | |
| TOWNE MORTGAGE COMPANY | $730,000 | $420,000 | -42.5% | 0.1% |
| First Horizon Bank | $205,000 | $415,000 | 102.4% | 0.1% |
| ROYAL UNITED MORTGAGE LLC | $510,000 | $410,000 | -19.6% | 0.1% |
| Cornerstone First Mortgage, Inc | $405,000 | n/a | 0.1% | |
| SOUTHPOINT FINANCIAL SERVICES, INC. | $405,000 | n/a | 0.1% | |
| Stifel Bank and Trust | $1,655,000 | $405,000 | -75.5% | 0.1% |
| Wyndham Capital Mortgage, Inc. | $225,000 | $400,000 | 77.8% | 0.1% |
| EMM LOANS LLC | $380,000 | n/a | 0.1% | |
| BNC National Bank | $335,000 | $365,000 | 9.0% | 0.1% |
| BankSouth | $65,000 | $360,000 | 453.8% | 0.1% |
| United Fidelity Funding Corp. | $355,000 | n/a | 0.1% | |
| AMWEST FUNDING CORP. | $350,000 | n/a | 0.1% | |
| CALIBER HOME LOANS, INC. | $1,785,000 | $345,000 | -80.7% | 0.1% |
| SOUTHEAST MORTGAGE OF GEORGIA, INC. | $235,000 | $340,000 | 44.7% | 0.1% |
| First National Bank of Pennsylvania | $335,000 | n/a | 0.1% | |
| GSF Mortgage Corporation | $335,000 | n/a | 0.1% | |
| NFM, INC. | $195,000 | $325,000 | 66.7% | 0.1% |
| University Bank | $215,000 | $325,000 | 51.2% | 0.1% |
| PLAZA HOME MORTGAGE, INC. | $305,000 | n/a | 0.1% | |
| PHH Mortgage Corporation | $465,000 | $300,000 | -35.5% | 0.1% |
| ALLIED MORTGAGE GROUP, INC. | $295,000 | n/a | 0.1% | |
| LENDINGONE, LLC | $460,000 | $295,000 | -35.9% | 0.1% |
| Tyndall Federal Credit Union | $120,000 | $295,000 | 145.8% | 0.1% |
| Commerce Home Mortgage, Inc. | $290,000 | n/a | 0.1% | |
| BAY CAPITAL MORTGAGE CORPORATION | $285,000 | n/a | 0.1% | |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $380,000 | $285,000 | -25.0% | 0.1% |
| Lakeview Community Capital, LLC | $595,000 | $280,000 | -52.9% | 0.1% |
| Nations Lending Corporation | $825,000 | $280,000 | -66.1% | 0.1% |
| THRIVE MORTGAGE, LLC | $280,000 | n/a | 0.1% | |
| INTERCAP LENDING INC. | $380,000 | $275,000 | -27.6% | 0.1% |
| SIRVA MORTGAGE, INC. | $275,000 | n/a | 0.1% | |
| CLEARPATH LENDING | $440,000 | $265,000 | -39.8% | 0.1% |
| MORTGAGE INVESTORS GROUP, INC. | $340,000 | $265,000 | -22.1% | 0.1% |
| Bank OZK | $5,095,000 | $255,000 | -95.0% | 0.1% |
| DAS Acquisition Company, LLC | $535,000 | $255,000 | -52.3% | 0.1% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $1,160,000 | $255,000 | -78.0% | 0.1% |
| The Central Trust Bank | $255,000 | n/a | 0.1% | |
| TOTAL MORTGAGE SERVICES, LLC | $255,000 | n/a | 0.1% | |
| BAYSHORE MORTGAGE FUNDING, LLC | $180,000 | $245,000 | 36.1% | 0.0% |
| Ixonia Bank | $245,000 | n/a | 0.0% | |
| KeyBank | $2,020,000 | $245,000 | -87.9% | 0.0% |
| NexBank | $1,050,000 | $245,000 | -76.7% | 0.0% |
| SHELTER HOME MORTGAGE, LLC | $245,000 | n/a | 0.0% | |
| ZILLOW HOME LOANS, LLC | $800,000 | $245,000 | -69.4% | 0.0% |
| FEDEX EMPLOYEES CREDIT ASSOCIATION | $235,000 | n/a | 0.0% | |
| Goldwater Bank, N.A. | $235,000 | n/a | 0.0% | |
| LIBERTY HOME MORTGAGE CORPORATION | $305,000 | $235,000 | -23.0% | 0.0% |
| TJC Mortgage, Inc. | $235,000 | n/a | 0.0% | |
| CityWorth Mortgage LLC | $245,000 | $225,000 | -8.2% | 0.0% |
| DELMAR FINANCIAL COMPANY | $210,000 | $225,000 | 7.1% | 0.0% |
| HomePromise Corporation | $225,000 | $225,000 | 0.0% | 0.0% |
| Loan Simple, Inc. | $190,000 | $225,000 | 18.4% | 0.0% |
| TIDEWATER MORTGAGE SERVICES, INC. | $225,000 | n/a | 0.0% | |
| United Community Bank | $225,000 | n/a | 0.0% | |
| VERITAS FUNDING, LLC | $225,000 | n/a | 0.0% | |
| Baxter Credit Union | $75,000 | $215,000 | 186.7% | 0.0% |
| BETTER MORTGAGE CORPORATION | $1,725,000 | $215,000 | -87.5% | 0.0% |
| GMFS LLC | $1,380,000 | $215,000 | -84.4% | 0.0% |
| MEGASTAR FINANCIAL CORP. | $215,000 | n/a | 0.0% | |
| Third Federal Savings and Loan Association of Cleveland | $275,000 | $215,000 | -21.8% | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | $215,000 | n/a | 0.0% | |
| FINANCE OF AMERICA MORTGAGE LLC | $2,080,000 | $210,000 | -89.9% | 0.0% |
| CONTOUR MORTGAGE CORPORATION | $205,000 | n/a | 0.0% | |
| First-Citizens Bank & Trust Company | $205,000 | n/a | 0.0% | |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $235,000 | $195,000 | -17.0% | 0.0% |
| ROBINS FINANCIAL | $110,000 | $190,000 | 72.7% | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $185,000 | n/a | 0.0% | |
| CITY FIRST MORTGAGE SERVICES, L.L.C. | $185,000 | n/a | 0.0% | |
| Envision Credit Union | $105,000 | $175,000 | 66.7% | 0.0% |
| BRIGHTSTAR | $165,000 | n/a | 0.0% | |
| CALCON MUTUAL MORTGAGE LLC | $205,000 | $165,000 | -19.5% | 0.0% |
| CREDIT UNION FINANCIAL SERVICES, LLC | $215,000 | $165,000 | -23.3% | 0.0% |
| First Community Bank | $165,000 | n/a | 0.0% | |
| RESIDENTIAL BANCORP | $580,000 | $165,000 | -71.6% | 0.0% |
| PrimeSouth Bank | $460,000 | $160,000 | -65.2% | 0.0% |
| CORPORATE AMERICA FAMILY | $155,000 | n/a | 0.0% | |
| COUNTRYPLACE MORTGAGE, LTD. | $340,000 | $155,000 | -54.4% | 0.0% |
| Kwik Mortgage Corporation | $155,000 | n/a | 0.0% | |
| HOMEXPRESS MORTGAGE CORP. | $135,000 | $145,000 | 7.4% | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | $145,000 | n/a | 0.0% | |
| United Bank | $145,000 | n/a | 0.0% | |
| NATIONS RELIABLE LENDING, LLC | $135,000 | n/a | 0.0% | |
| MID AMERICA MORTGAGE, INC. | $270,000 | $120,000 | -55.6% | 0.0% |
| SPRING EQ, LLC | $390,000 | $120,000 | -69.2% | 0.0% |
| ACOPIA, LLC | $85,000 | $115,000 | 35.3% | 0.0% |
| Blue Ridge Bank | $305,000 | $115,000 | -62.3% | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | $115,000 | n/a | 0.0% | |
| LOANPAL, LLC | $1,005,000 | $115,000 | -88.6% | 0.0% |
| MidFirst Bank | $115,000 | n/a | 0.0% | |
| TRIAD FINANCIAL SERVICES, INC. | $660,000 | $115,000 | -82.6% | 0.0% |
| FARMERS INSURANCE GROUP FEDERAL CREDIT UNION | $105,000 | n/a | 0.0% | |
| Fifth Third Bank | $780,000 | $105,000 | -86.5% | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | $105,000 | n/a | 0.0% | |
| MIDLAND MORTGAGE CORPORATION | $185,000 | $105,000 | -43.2% | 0.0% |
| WINGS FINANCIAL | $105,000 | n/a | 0.0% | |
| ALL REVERSE MORTGAGE, INC. | $95,000 | n/a | 0.0% | |
| AMERICAN HERITAGE LENDING, INC. | $95,000 | n/a | 0.0% | |
| MIDFLORIDA | $95,000 | n/a | 0.0% | |
| SUCCESS MORTGAGE PARTNERS, INC. | $125,000 | $95,000 | -24.0% | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | $135,000 | $85,000 | -37.0% | 0.0% |
| The Genoa Banking Company | $85,000 | n/a | 0.0% | |
| ALLIANT CREDIT UNION | $35,000 | $55,000 | 57.1% | 0.0% |
| Five Star Credit Union | $235,000 | $55,000 | -76.6% | 0.0% |
| GEORGIA'S OWN | $215,000 | $55,000 | -74.4% | 0.0% |
| VYSTAR | $470,000 | $50,000 | -89.4% | 0.0% |
| CITIZENS EQUITY FIRST | $35,000 | n/a | 0.0% | |
| STATE EMPLOYEES' | $35,000 | n/a | 0.0% |
VALDOSTA's top lender by overall market share is Mortgage Research Center, LLC, with 8.0% market share. In second place, with 7.4%, is Ameris Bank, having originated $36,895,000 in loans. In third place, with 5.2%, is First Federal Savings and Loan Association of Valdosta, having originated $25,975,000 in loans. In fourth place, with 5.2%, is QUICKEN LOANS, LLC, having originated $25,810,000 in loans. In fifth place, with 5.1%, is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, having originated $25,430,000 in loans.
VALDOSTA Housing Market Trends (Median, Average Prices & Listing Count)
Realtor.com - VALDOSTA (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 | $159,900 (6.9%) | $202,873 (10.0%) | 0.00 | 671 |
| 2018-02-01 | $157,950 (3.0%) | $202,041 (7.0%) | 0.00 | 688 |
| 2018-03-01 | $159,900 (3.2%) | $203,683 (6.6%) | 0.00 | 668 |
| 2018-04-01 | $163,450 (3.7%) | $204,709 (3.6%) | 0.00 | 664 |
| 2018-05-01 | $167,350 (4.7%) | $208,770 (4.7%) | 0.00 | 654 |
| 2018-06-01 | $169,900 (6.3%) | $212,903 (5.4%) | 0.00 | 625 |
| 2018-07-01 | $168,950 (5.7%) | $209,240 (2.0%) | 0.00 | 640 |
| 2018-08-01 | $168,950 (5.7%) | $212,035 (3.9%) | 0.00 | 612 |
| 2018-09-01 | $167,500 (4.8%) | $204,587 (1.2%) | 0.00 | 626 |
| 2018-10-01 | $165,650 (3.6%) | $202,358 (-1.2%) | 0.00 | 630 |
| 2018-11-01 | $164,900 (3.1%) | $204,794 (2.3%) | 0.00 | 634 |
| 2018-12-01 | $164,500 (2.9%) | $207,027 (2.3%) | 0.00 | 594 |
| 2019-01-01 | $167,650 (4.9%) | $211,159 (4.1%) | 0.00 | 563 |
| 2019-02-01 | $169,900 (7.6%) | $217,174 (7.5%) | 0.00 | 566 |
| 2019-03-01 | $172,043 (7.6%) | $216,600 (6.3%) | 0.00 | 565 |
| 2019-04-01 | $174,443 (6.7%) | $216,638 (5.8%) | 0.00 | 564 |
| 2019-05-01 | $172,400 (3.0%) | $215,484 (3.2%) | 0.00 | 568 |
| 2019-06-01 | $162,700 (-4.2%) | $215,044 (1.0%) | 0.00 | 567 |
| 2019-07-01 | $163,450 (-3.3%) | $215,668 (3.1%) | 0.00 | 600 |
| 2019-08-01 | $166,264 (-1.6%) | $225,736 (6.5%) | 0.00 | 617 |
| 2019-09-01 | $168,309 (0.5%) | $237,515 (16.1%) | 0.00 | 612 |
| 2019-10-01 | $169,900 (2.6%) | $245,529 (21.3%) | 0.00 | 610 |
| 2019-11-01 | $172,900 (4.9%) | $245,494 (19.9%) | 0.00 | 606 |
| 2019-12-01 | $179,900 (9.4%) | $247,966 (19.8%) | 0.00 | 594 |
| 2020-01-01 | $179,700 (7.2%) | $245,708 (16.4%) | 0.00 | 565 |
| 2020-02-01 | $179,900 (5.9%) | $249,675 (15.0%) | 0.00 | 537 |
| 2020-03-01 | $179,900 (4.6%) | $252,970 (16.8%) | 0.00 | 507 |
| 2020-04-01 | $179,900 (3.1%) | $233,579 (7.8%) | 0.00 | 520 |
| 2020-05-01 | $179,900 (4.4%) | $238,281 (10.6%) | 0.00 | 473 |
| 2020-06-01 | $189,350 (16.4%) | $244,040 (13.5%) | 0.00 | 407 |
| 2020-07-01 | $192,200 (17.6%) | $255,408 (18.4%) | 0.00 | 382 |
| 2020-08-01 | $199,900 (20.2%) | $261,491 (15.8%) | 0.00 | 368 |
| 2020-09-01 | $199,900 (18.8%) | $253,348 (6.7%) | 0.00 | 355 |
| 2020-10-01 | $209,000 (23.0%) | $261,247 (6.4%) | 0.00 | 315 |
| 2020-11-01 | $209,900 (21.4%) | $262,317 (6.9%) | 0.00 | 264 |
| 2020-12-01 | $204,900 (13.9%) | $265,157 (6.9%) | 0.00 | 262 |
| 2021-01-01 | $201,450 (12.1%) | $266,427 (8.4%) | 0.00 | 244 |
| 2021-02-01 | $204,900 (13.9%) | $273,885 (9.7%) | 0.00 | 228 |
| 2021-03-01 | $224,900 (25.0%) | $271,016 (7.1%) | 0.00 | 212 |
| 2021-04-01 | $231,950 (28.9%) | $280,691 (20.2%) | 0.00 | 199 |
| 2021-05-01 | $235,500 (30.9%) | $284,671 (19.5%) | 0.00 | 213 |
| 2021-06-01 | $229,300 (21.1%) | $273,032 (11.9%) | 0.00 | 241 |
| 2021-07-01 | $229,900 (19.6%) | $284,335 (11.3%) | 0.00 | 253 |
| 2021-08-01 | $233,675 (16.9%) | $287,384 (9.9%) | 0.00 | 267 |
| 2021-09-01 | $217,450 (8.8%) | $270,294 (6.7%) | 0.00 | 267 |
| 2021-10-01 | $219,900 (5.2%) | $279,558 (7.0%) | 0.00 | 244 |
| 2021-11-01 | $224,900 (7.2%) | $280,094 (6.8%) | 0.00 | 244 |
| 2021-12-01 | $229,900 (12.2%) | $282,628 (6.6%) | 0.00 | 232 |
| 2022-01-01 | $249,900 (24.1%) | $307,805 (15.5%) | 0.00 | 217 |
| 2022-02-01 | $277,425 (35.4%) | $338,702 (23.7%) | 0.00 | 191 |
| 2022-03-01 | $279,900 (24.5%) | $348,850 (28.7%) | 0.00 | 169 |
| 2022-04-01 | $265,000 (14.3%) | $358,648 (27.8%) | 0.00 | 162 |
| 2022-05-01 | $265,825 (12.9%) | $334,837 (17.6%) | 0.00 | 199 |
| 2022-06-01 | $269,950 (17.7%) | $325,697 (19.3%) | 0.00 | 257 |
| 2022-07-01 | $282,450 (22.9%) | $332,124 (16.8%) | 0.00 | 286 |
| 2022-08-01 | $271,425 (16.2%) | $318,305 (10.8%) | 0.00 | 277 |
| 2022-09-01 | $262,475 (20.7%) | $315,764 (16.8%) | 0.00 | 281 |
| 2022-10-01 | $266,450 (21.2%) | $313,911 (12.3%) | 0.00 | 311 |
| 2022-11-01 | $274,925 (22.2%) | $319,514 (14.1%) | 0.00 | 307 |
| 2022-12-01 | $270,000 (17.4%) | $324,408 (14.8%) | 0.00 | 277 |
| 2023-01-01 | $273,917 (9.6%) | $334,878 (8.8%) | 0.00 | 244 |
| 2023-02-01 | $279,900 (0.9%) | $335,869 (-0.8%) | 0.00 | 239 |
| 2023-03-01 | $279,900 (0.0%) | $332,584 (-4.7%) | 0.00 | 241 |
| 2023-04-01 | $289,900 (9.4%) | $352,677 (-1.7%) | 0.00 | 256 |
| 2023-05-01 | $285,475 (7.4%) | $347,459 (3.8%) | 0.00 | 278 |
| 2023-06-01 | $280,675 (4.0%) | $344,961 (5.9%) | 0.00 | 293 |
| 2023-07-01 | $289,900 (2.6%) | $347,063 (4.5%) | 0.00 | 298 |
| 2023-08-01 | $289,900 (6.8%) | $347,390 (9.1%) | 0.00 | 311 |
| 2023-09-01 | $291,900 (11.2%) | $349,560 (10.7%) | 0.00 | 331 |
| 2023-10-01 | $296,975 (11.5%) | $352,607 (12.3%) | 0.00 | 325 |
| 2023-11-01 | $296,950 (8.0%) | $353,711 (10.7%) | 0.00 | 329 |
| 2023-12-01 | $295,000 (9.3%) | $349,192 (7.6%) | 0.00 | 323 |
| 2024-01-01 | $299,900 (9.5%) | $354,040 (5.7%) | 0.00 | 315 |
| 2024-02-01 | $293,500 (4.9%) | $354,522 (5.6%) | 0.00 | 326 |
| 2024-03-01 | $294,900 (5.4%) | $348,619 (4.8%) | 0.00 | 322 |
VALDOSTA's median listing price for 2024-03-01 was $294,900, a difference of
$15,000
(5.4%) versus the prior year and
$1,400 versus the prior month.
VALDOSTA's median listing price comes in at 0% of the national average.
VALDOSTA's average listing price for 2024-03-01 was $348,619, a difference of $16,035 (4.8%) versus the prior year and $-5,903 versus the prior month.
For the 2024-03-01 period, VALDOSTA had 322 MLS listings, a difference of -4 listings (-1%) versus the prior month and 81 listings (34%) versus the prior year.
VALDOSTA's median listing price comes in at 0% of the national average.
VALDOSTA's average listing price for 2024-03-01 was $348,619, a difference of $16,035 (4.8%) versus the prior year and $-5,903 versus the prior month.
For the 2024-03-01 period, VALDOSTA had 322 MLS listings, a difference of -4 listings (-1%) versus the prior month and 81 listings (34%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - VALDOSTA (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 0 days | 1,850 sqft |
| 2018-02-01 | 0 days | 1,858 sqft |
| 2018-03-01 | 0 days | 1,858 sqft |
| 2018-04-01 | 0 days | 1,847 sqft |
| 2018-05-01 | 0 days | 1,872 sqft |
| 2018-06-01 | 0 days | 1,905 sqft |
| 2018-07-01 | 0 days | 1,882 sqft |
| 2018-08-01 | 0 days | 1,865 sqft |
| 2018-09-01 | 0 days | 1,863 sqft |
| 2018-10-01 | 0 days | 1,847 sqft |
| 2018-11-01 | 0 days | 1,835 sqft |
| 2018-12-01 | 0 days | 1,834 sqft |
| 2019-01-01 | 0 days | 1,836 sqft |
| 2019-02-01 | 0 days | 1,870 sqft |
| 2019-03-01 | 0 days | 1,885 sqft |
| 2019-04-01 | 0 days | 1,895 sqft |
| 2019-05-01 | 0 days | 1,880 sqft |
| 2019-06-01 | 0 days | 1,815 sqft |
| 2019-07-01 | 0 days | 1,829 sqft |
| 2019-08-01 | 0 days | 1,874 sqft |
| 2019-09-01 | 0 days | 1,867 sqft |
| 2019-10-01 | 0 days | 1,862 sqft |
| 2019-11-01 | 0 days | 1,877 sqft |
| 2019-12-01 | 0 days | 1,888 sqft |
| 2020-01-01 | 0 days | 1,873 sqft |
| 2020-02-01 | 0 days | 1,902 sqft |
| 2020-03-01 | 0 days | 1,906 sqft |
| 2020-04-01 | 0 days | 1,924 sqft |
| 2020-05-01 | 0 days | 1,923 sqft |
| 2020-06-01 | 0 days | 1,996 sqft |
| 2020-07-01 | 0 days | 2,003 sqft |
| 2020-08-01 | 0 days | 1,995 sqft |
| 2020-09-01 | 0 days | 1,946 sqft |
| 2020-10-01 | 0 days | 1,986 sqft |
| 2020-11-01 | 0 days | 1,959 sqft |
| 2020-12-01 | 0 days | 1,901 sqft |
| 2021-01-01 | 0 days | 1,925 sqft |
| 2021-02-01 | 0 days | 1,933 sqft |
| 2021-03-01 | 0 days | 1,950 sqft |
| 2021-04-01 | 0 days | 1,952 sqft |
| 2021-05-01 | 0 days | 1,983 sqft |
| 2021-06-01 | 0 days | 1,938 sqft |
| 2021-07-01 | 0 days | 1,950 sqft |
| 2021-08-01 | 0 days | 1,955 sqft |
| 2021-09-01 | 0 days | 1,914 sqft |
| 2021-10-01 | 0 days | 1,945 sqft |
| 2021-11-01 | 0 days | 1,943 sqft |
| 2021-12-01 | 0 days | 1,943 sqft |
| 2022-01-01 | 0 days | 1,950 sqft |
| 2022-02-01 | 0 days | 1,999 sqft |
| 2022-03-01 | 0 days | 2,044 sqft |
| 2022-04-01 | 0 days | 2,045 sqft |
| 2022-05-01 | 0 days | 1,973 sqft |
| 2022-06-01 | 0 days | 1,997 sqft |
| 2022-07-01 | 0 days | 2,003 sqft |
| 2022-08-01 | 0 days | 1,968 sqft |
| 2022-09-01 | 0 days | 1,906 sqft |
| 2022-10-01 | 0 days | 1,914 sqft |
| 2022-11-01 | 0 days | 1,938 sqft |
| 2022-12-01 | 0 days | 1,999 sqft |
| 2023-01-01 | 0 days | 1,984 sqft |
| 2023-02-01 | 0 days | 2,000 sqft |
| 2023-03-01 | 0 days | 1,951 sqft |
| 2023-04-01 | 0 days | 1,963 sqft |
| 2023-05-01 | 0 days | 1,935 sqft |
| 2023-06-01 | 0 days | 1,939 sqft |
| 2023-07-01 | 0 days | 1,925 sqft |
| 2023-08-01 | 0 days | 1,913 sqft |
| 2023-09-01 | 0 days | 1,945 sqft |
| 2023-10-01 | 0 days | 1,965 sqft |
| 2023-11-01 | 0 days | 1,933 sqft |
| 2023-12-01 | 0 days | 1,925 sqft |
| 2024-01-01 | 0 days | 1,941 sqft |
| 2024-02-01 | 0 days | 1,925 sqft |
| 2024-03-01 | 0 days | 1,940 sqft |
VALDOSTA's median listing age (time on market) for 2024-03-01 was 0 days.
VALDOSTA's median square footage for active listings during the 2024-03-01 period was 1,940 sqft. One year prior, the average listing was 1,951 sqft.
VALDOSTA's median square footage for active listings during the 2024-03-01 period was 1,940 sqft. One year prior, the average listing was 1,951 sqft.
VALDOSTA, GA Average Rent (2023)
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| Zip Code | Metro | Studio Apartment Rent | 1BR Apartment Rent | 2BR Apartment Rent | 3BR Apartment Rent | 4BR Apartment Rent |
|---|---|---|---|---|---|---|
| 31601 | Valdosta, GA MSA | $620 | $630 | $820 | $1,120 | $1,290 |
| 31602 | Valdosta, GA MSA | $730 | $730 | $960 | $1,310 | $1,510 |
| 31603 | Valdosta, GA MSA | $690 | $700 | $910 | $1,240 | $1,430 |
| 31604 | Valdosta, GA MSA | $690 | $700 | $910 | $1,240 | $1,430 |
| 31605 | Valdosta, GA MSA | $860 | $860 | $1,130 | $1,540 | $1,780 |
| 31606 | Valdosta, GA MSA | $600 | $600 | $790 | $1,080 | $1,250 |
| 31625 | Valdosta, GA MSA | $740 | $740 | $960 | $1,310 | $1,520 |
| 31626 | Valdosta, GA MSA | $690 | $700 | $910 | $1,240 | $1,430 |
| 31629 | Valdosta, GA MSA | $620 | $630 | $820 | $1,110 | $1,290 |
| 31630 | Valdosta, GA MSA | $600 | $600 | $790 | $1,080 | $1,250 |
| 31631 | Valdosta, GA MSA | $590 | $590 | $770 | $1,050 | $1,240 |
| 31632 | Valdosta, GA MSA | $990 | $990 | $1,300 | $1,770 | $2,050 |
| 31635 | Valdosta, GA MSA | $610 | $610 | $800 | $1,090 | $1,260 |
| 31636 | Valdosta, GA MSA | $650 | $660 | $860 | $1,170 | $1,360 |
| 31638 | Valdosta, GA MSA | $590 | $590 | $770 | $1,050 | $1,240 |
| 31639 | Valdosta, GA MSA | $640 | $640 | $840 | $1,140 | $1,320 |
| 31641 | Valdosta, GA MSA | $650 | $650 | $860 | $1,170 | $1,350 |
| 31643 | Valdosta, GA MSA | $590 | $590 | $770 | $1,050 | $1,240 |
| 31645 | Valdosta, GA MSA | $650 | $650 | $850 | $1,160 | $1,340 |
| 31648 | Valdosta, GA MSA | $600 | $600 | $790 | $1,080 | $1,250 |
| 31649 | Valdosta, GA MSA | $590 | $590 | $770 | $1,050 | $1,240 |
| 31698 | Valdosta, GA MSA | $690 | $700 | $910 | $1,240 | $1,430 |
| 31699 | Valdosta, GA MSA | $730 | $730 | $950 | $1,320 | $1,560 |
| 31720 | Valdosta, GA MSA | $620 | $620 | $810 | $1,100 | $1,280 |
| 31778 | Valdosta, GA MSA | $590 | $590 | $770 | $1,050 | $1,240 |
| 31788 | Valdosta, GA MSA | $590 | $600 | $780 | $1,060 | $1,240 |
2022 Average & Median Rent Data Statistics
VALDOSTA, GA average 1BR rent: $665, median: $635
VALDOSTA, GA average 2BR rent: $869, median: $830
VALDOSTA, GA average 3BR rent: $1,185, median: $1,130
VALDOSTA, GA Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 1,663 | $373,465,000 | $224,573 |
| Refi | 411 | $62,935,000 | $153,127 |
| Cash Out Refi | 252 | $45,440,000 | $180,317 |
| Other | 143 | $11,165,000 | $78,077 |
| Home Improvement | 109 | $7,075,000 | $64,908 |
| NA | 2 | $280,000 | $140,000 |
Valdosta's most frequently cited loan purpose was Home Purchase, with 1,663 originations. The 2nd most popular reason was Refi, with 411 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 820 | $187,560,000 | $228,732 |
| 7-8% | 460 | $86,070,000 | $187,109 |
| 5-6% | 413 | $96,695,000 | $234,128 |
| Over 8% | 284 | $32,670,000 | $115,035 |
| 4-5% | 37 | $8,715,000 | $235,541 |
| <2.5% | 21 | $725,000 | $34,524 |
| 3-4% | 6 | $800,000 | $133,333 |
| 2.5-3% | 3 | $755,000 | $251,667 |
During 2023, Valdosta's most frequently originated rate bucket was 6-7%, with 820 originations.
Loan Sizing (VALDOSTA, GA MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 989 | $264,115,000 | $267,053 |
| $100k-200k | 759 | $114,405,000 | $150,731 |
| $100,000 or less | 690 | $37,970,000 | $55,029 |
| $400k-600k | 103 | $48,465,000 | $470,534 |
| $600k-1000k | 30 | $22,220,000 | $740,667 |
| $Over $1MM | 9 | $13,185,000 | $1,465,000 |
VALDOSTA's loan sizing saw the bucket of loans from $200k-400k with 989 originations, totaling $264,115,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 1,065 | $249,135,000 | $233,930 |
| 60-80% | 342 | $74,460,000 | $217,719 |
| 20-40% | 170 | $15,200,000 | $89,412 |
| Over 100% | 157 | $44,925,000 | $286,146 |
| Under 20% | 155 | $6,505,000 | $41,968 |
| 40-60% | 148 | $22,080,000 | $149,189 |
VALDOSTA's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 1,065 originations, totaling $249,135,000 in origination value.