Bainbridge Mortgage Rates
30 Year Fixed Rate mortgages in Bainbridge averaged
6.07%
for the week of 2022-06-30, compared to the national average of
5.7% for the same period.
The average rate for the prior week (2022-06-23) was
6.08% and
one month ago for the week of 2022-05-26, the
average rate was 5.37%.
Bainbridge's average rate one year ago was 3.26%.
For refis of the same type during the week of 2022-06-30, the average rate
was 5.69%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2022-06-30 | 5.7% |
| Bainbridge 30 Year Fixed Rate | 2022-06-30 | 6.07% |
| Bainbridge 30 Year Fixed Rate Refi | 2022-06-30 | 5.69% |
| Bainbridge 15 Year Fixed Rate | 2022-06-30 | 6.27% |
| Bainbridge 15 Year Fixed Rate Refi | 2022-06-30 | 4.91% |
| Bainbridge 30 Year FHA | 2022-06-30 | 5.51% |
| Bainbridge 30 Year FHA Refi | 2022-06-30 | 5.68% |
| Bainbridge 30 Year USDA | 2022-06-30 | 5.53% |
| Bainbridge 30 Year VA | 2022-06-30 | 5.53% |
| Bainbridge 30 Year VA Refi | 2022-06-30 | 5.5% |
Bainbridge 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 Bainbridge, 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.).
Bainbridge, GA's 35 lenders originated 503
loans during 2021. The total origination value was $84,945,000, with an average loan value of
$168,877.
The top Bainbridge lender as defined by loan originations is QUICKEN LOANS, LLC, with
37 loans originated. Their average total fees are
$4,419, which is $2,102
higher than the next largest lender,
HOMESTAR FINANCIAL CORPORATION.
The lowest fee Bainbridge lenders (with over 10 loans originated) are
HOMESTAR FINANCIAL CORPORATION ($2,317), QUICKEN LOANS, LLC ($4,419), .
The lowest rate Bainbridge lenders (with over 10 loans originated) are
QUICKEN LOANS, LLC (3.08%), HOMESTAR FINANCIAL CORPORATION (3.21%), .
Bainbridge, 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 | $9,155,000 | $16,025,000 | 75.0% | 18.9% |
| HOMESTAR FINANCIAL CORPORATION | $9,425,000 | $12,410,000 | 31.7% | 14.6% |
| FirstBank | $2,285,000 | $5,290,000 | 131.5% | 6.2% |
| Envision Credit Union | $2,090,000 | $3,425,000 | 63.9% | 4.0% |
| First State Bank of Blakely, Inc. | $2,255,000 | $3,300,000 | 46.3% | 3.9% |
| Hamilton Mortgage Corporation | $1,650,000 | $2,500,000 | 51.5% | 2.9% |
| Ameris Bank | $2,185,000 | $2,180,000 | -0.2% | 2.6% |
| Wells Fargo Bank | $1,055,000 | $2,135,000 | 102.4% | 2.5% |
| PENNYMAC LOAN SERVICES, LLC | $105,000 | $1,955,000 | 1,761.9% | 2.3% |
| Mortgage Research Center, LLC | $260,000 | $1,920,000 | 638.5% | 2.3% |
| 21ST MORTGAGE CORPORATION | $830,000 | $1,825,000 | 119.9% | 2.1% |
| FREEDOM MORTGAGE CORPORATION | $1,390,000 | $1,810,000 | 30.2% | 2.1% |
| Five Star Credit Union | $760,000 | $1,600,000 | 110.5% | 1.9% |
| AMERISAVE MORTGAGE CORPORATION | $135,000 | $1,570,000 | 1,063.0% | 1.8% |
| Ixonia Bank | $1,570,000 | n/a | 1.8% | |
| Renasant Bank | $1,520,000 | $1,505,000 | -1.0% | 1.8% |
| LOANDEPOT.COM, LLC | $1,370,000 | $1,365,000 | -0.4% | 1.6% |
| Mr. Cooper ( Nationstar Mortgage ) | $675,000 | $955,000 | 41.5% | 1.1% |
| NEWREZ LLC | $935,000 | n/a | 1.1% | |
| Synovus Bank | $870,000 | $935,000 | 7.5% | 1.1% |
| Regions Bank | $1,750,000 | $915,000 | -47.7% | 1.1% |
| HOMESIDE FINANCIAL, LLC | $875,000 | n/a | 1.0% | |
| VILLAGE CAPITAL & INVESTMENT LLC | $285,000 | $855,000 | 200.0% | 1.0% |
| NAVY FEDERAL CREDIT UNION | $505,000 | $810,000 | 60.4% | 1.0% |
| PeoplesSouth Bank | $1,565,000 | $630,000 | -59.7% | 0.7% |
| Carrington Mortgage Services, LLC | $850,000 | $610,000 | -28.2% | 0.7% |
| ACOPIA, LLC | $165,000 | $590,000 | 257.6% | 0.7% |
| JPMorgan Chase Bank | $285,000 | $590,000 | 107.0% | 0.7% |
| CRESCENT MORTGAGE COMPANY | $300,000 | $585,000 | 95.0% | 0.7% |
| HOME POINT FINANCIAL CORPORATION | $65,000 | $540,000 | 730.8% | 0.6% |
| MOVEMENT MORTGAGE, LLC | $155,000 | $470,000 | 203.2% | 0.6% |
| Capital City Bank | $175,000 | $455,000 | 160.0% | 0.5% |
| RELIANCE FIRST CAPITAL, LLC | $455,000 | n/a | 0.5% | |
| UNIVERSITY LENDING GROUP, LLC | $145,000 | $430,000 | 196.6% | 0.5% |
| USAA Federal Savings Bank | $455,000 | $430,000 | -5.5% | 0.5% |
| BETTER MORTGAGE CORPORATION | $400,000 | n/a | 0.5% | |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $870,000 | $400,000 | -54.0% | 0.5% |
| 1ST SIGNATURE LENDING, LLC | $365,000 | n/a | 0.4% | |
| UNITED WHOLESALE MORTGAGE, LLC | $620,000 | $360,000 | -41.9% | 0.4% |
| Tyndall Federal Credit Union | $355,000 | n/a | 0.4% | |
| Capital City Home Loans, LLC | $325,000 | $350,000 | 7.7% | 0.4% |
| GUARANTEED RATE, INC. | $275,000 | $350,000 | 27.3% | 0.4% |
| GMFS LLC | $515,000 | $345,000 | -33.0% | 0.4% |
| Centennial Bank | $45,000 | $335,000 | 644.4% | 0.4% |
| CALIBER HOME LOANS, INC. | $105,000 | $330,000 | 214.3% | 0.4% |
| GUILD MORTGAGE COMPANY | $315,000 | $315,000 | 0.0% | 0.4% |
| AMERICAN FINANCIAL NETWORK, INC. | $175,000 | $295,000 | 68.6% | 0.3% |
| LAKEVIEW LOAN SERVICING, LLC | $295,000 | n/a | 0.3% | |
| AMERICAN FINANCIAL RESOURCES, INC. | $485,000 | $285,000 | -41.2% | 0.3% |
| DELMAR FINANCIAL COMPANY | $115,000 | $275,000 | 139.1% | 0.3% |
| Truist Bank | $865,000 | $265,000 | -69.4% | 0.3% |
| Commerce Home Mortgage, Inc. | $255,000 | n/a | 0.3% | |
| GUARANTY HOME MORTGAGE CORPORATION | $145,000 | $255,000 | 75.9% | 0.3% |
| Bank OZK | $450,000 | $250,000 | -44.4% | 0.3% |
| Colonial Savings, F.A. | $245,000 | n/a | 0.3% | |
| BROKER SOLUTIONS, INC. | $125,000 | $240,000 | 92.0% | 0.3% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $75,000 | $240,000 | 220.0% | 0.3% |
| NEW DAY FINANCIAL, LLC | $370,000 | $235,000 | -36.5% | 0.3% |
| First Mortgage Solutions, LLC | $185,000 | n/a | 0.2% | |
| RESIDENTIAL HOME FUNDING CORP. | $185,000 | n/a | 0.2% | |
| TOP FLITE FINANCIAL, INC. | $185,000 | n/a | 0.2% | |
| OPEN MORTGAGE, LLC | $165,000 | n/a | 0.2% | |
| SOUTHPOINT FINANCIAL SERVICES, INC. | $215,000 | $165,000 | -23.3% | 0.2% |
| ANGEL OAK HOME LOANS LLC | $155,000 | n/a | 0.2% | |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $145,000 | $155,000 | 6.9% | 0.2% |
| TRIAD FINANCIAL SERVICES, INC. | $180,000 | $155,000 | -13.9% | 0.2% |
| AMERICAN FINANCING CORPORATION | $365,000 | $145,000 | -60.3% | 0.2% |
| PLANET HOME LENDING, LLC | $145,000 | $145,000 | 0.0% | 0.2% |
| CONTOUR MORTGAGE CORPORATION | $135,000 | n/a | 0.2% | |
| NATIONWIDE MORTGAGE BANKERS, INC. | $165,000 | $135,000 | -18.2% | 0.2% |
| Farmers & Merchants Bank | $125,000 | n/a | 0.1% | |
| Flagstar Bank, FSB | $135,000 | $125,000 | -7.4% | 0.1% |
| LENDINGHOME FUNDING CORPORATION | $125,000 | n/a | 0.1% | |
| SIGNATURE MORTGAGE CORPORATION | $125,000 | n/a | 0.1% | |
| South State Bank | $115,000 | n/a | 0.1% | |
| InterContinental Capital Group, Inc | $105,000 | n/a | 0.1% | |
| Mainstreet Community Bank of Florida | $250,000 | $105,000 | -58.0% | 0.1% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | $165,000 | $95,000 | -42.4% | 0.1% |
| TC FEDERAL BANK | $95,000 | n/a | 0.1% | |
| CROSSCOUNTRY MORTGAGE, LLC | $420,000 | $85,000 | -79.8% | 0.1% |
| First Guaranty Mortgage Corporation | $85,000 | n/a | 0.1% | |
| CREDIT HUMAN FEDERAL CREDIT UNION | $65,000 | n/a | 0.1% | |
| Nations Lending Corporation | $65,000 | n/a | 0.1% | |
| STEARNS LENDING, LLC | $65,000 | n/a | 0.1% | |
| Deere Employees Credit Union | $55,000 | n/a | 0.1% | |
| Equity Prime Mortgage LLC | $55,000 | n/a | 0.1% | |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $55,000 | n/a | 0.1% |
Bainbridge's top lender by overall market share is QUICKEN LOANS, LLC, with 18.9% market share. In second place, with 14.6%, is HOMESTAR FINANCIAL CORPORATION, having originated $12,410,000 in loans. In third place, with 6.2%, is FirstBank, having originated $5,290,000 in loans. In third place, with 4.0%, is Envision Credit Union, having originated $3,425,000 in loans. In third place, with 3.9%, is First State Bank of Blakely, Inc., having originated $3,300,000 in loans.
Bainbridge, GA Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 229 | $41,485,000 | $181,157 |
| Refi | 174 | $27,760,000 | $159,540 |
| Cash Out Refi | 87 | $14,855,000 | $170,747 |
| Home Improvement | 9 | $625,000 | $69,444 |
| Other | 4 | $220,000 | $55,000 |
Bainbridge's most frequently cited loan purpose was Home Purchase, with 229 originations. The 2nd most popular reason was Refi, with 174 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 2.5-3% | 187 | $33,095,000 | $176,979 |
| 3-4% | 152 | $25,090,000 | $165,066 |
| <2.5% | 85 | $15,925,000 | $187,353 |
| 4-5% | 21 | $4,055,000 | $193,095 |
| 5-6% | 9 | $745,000 | $82,778 |
| Over 8% | 8 | $920,000 | $115,000 |
| 6-7% | 6 | $820,000 | $136,667 |
| 7-8% | 6 | $670,000 | $111,667 |
During 2021, Bainbridge's most frequently originated rate bucket was 2.5-3%, with 187 originations.
Loan Sizing (Bainbridge, GA MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $100k-200k | 241 | $35,775,000 | $148,444 |
| $200k-400k | 134 | $35,400,000 | $264,179 |
| $100,000 or less | 118 | $8,160,000 | $69,153 |
| $400k-600k | 9 | $4,205,000 | $467,222 |
| $Over $1MM | 1 | $1,405,000 | $1,405,000 |
Bainbridge's loan sizing saw the bucket of loans from $100k-200k with 241 originations, totaling $35,775,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 237 | $44,555,000 | $187,996 |
| 60-80% | 120 | $20,370,000 | $169,750 |
| 40-60% | 68 | $9,340,000 | $137,353 |
| 20-40% | 16 | $1,630,000 | $101,875 |
| Over 100% | 8 | $1,740,000 | $217,500 |
| Under 20% | 5 | $215,000 | $43,000 |
Bainbridge's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 237 originations, totaling $44,555,000 in origination value.
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - Bainbridge (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 | $165,000 (13.2%) | $191,070 (8.4%) | 0.00 | 103 |
| 2018-02-01 | $160,250 (8.9%) | $177,935 (4.8%) | 0.00 | 101 |
| 2018-03-01 | $159,500 (11.9%) | $179,489 (16.5%) | 0.00 | 107 |
| 2018-04-01 | $166,150 (14.7%) | $197,839 (26.0%) | 0.00 | 113 |
| 2018-05-01 | $169,900 (21.4%) | $196,506 (20.8%) | 0.00 | 115 |
| 2018-06-01 | $169,900 (17.6%) | $197,133 (17.4%) | 0.00 | 119 |
| 2018-07-01 | $169,700 (17.0%) | $215,105 (28.1%) | 0.00 | 122 |
| 2018-08-01 | $169,900 (16.8%) | $213,040 (28.8%) | 0.00 | 120 |
| 2018-09-01 | $174,900 (16.7%) | $221,528 (29.4%) | 0.00 | 117 |
| 2018-10-01 | $165,000 (10.1%) | $219,209 (25.9%) | 0.00 | 122 |
| 2018-11-01 | $172,400 (8.1%) | $228,805 (24.8%) | 0.00 | 102 |
| 2018-12-01 | $175,000 (6.1%) | $234,235 (20.9%) | 0.00 | 96 |
| 2019-01-01 | $174,550 (5.8%) | $230,772 (20.8%) | 0.00 | 79 |
| 2019-02-01 | $172,450 (7.6%) | $235,104 (32.1%) | 0.00 | 74 |
| 2019-03-01 | $174,943 (9.7%) | $239,673 (33.5%) | 0.00 | 67 |
| 2019-04-01 | $178,750 (7.6%) | $242,358 (22.5%) | 0.00 | 66 |
| 2019-05-01 | $184,500 (8.6%) | $259,362 (32.0%) | 0.00 | 60 |
| 2019-06-01 | $174,900 (2.9%) | $245,010 (24.3%) | 0.00 | 62 |
| 2019-07-01 | $174,900 (3.1%) | $229,519 (6.7%) | 0.00 | 70 |
| 2019-08-01 | $177,043 (4.2%) | $233,359 (9.5%) | 0.00 | 71 |
| 2019-09-01 | $179,950 (2.9%) | $239,816 (8.3%) | 0.00 | 68 |
| 2019-10-01 | $188,450 (14.2%) | $249,431 (13.8%) | 0.00 | 66 |
| 2019-11-01 | $182,500 (5.9%) | $249,112 (8.9%) | 0.00 | 69 |
| 2019-12-01 | $185,200 (5.8%) | $254,749 (8.8%) | 0.00 | 68 |
| 2020-01-01 | $209,000 (19.7%) | $277,699 (20.3%) | 0.00 | 82 |
| 2020-02-01 | $219,900 (27.5%) | $270,824 (15.2%) | 0.00 | 67 |
| 2020-03-01 | $194,450 (11.2%) | $231,480 (-3.4%) | 0.00 | 72 |
| 2020-04-01 | $179,950 (0.7%) | $220,437 (-9.1%) | 0.00 | 74 |
| 2020-05-01 | $194,500 (5.4%) | $230,278 (-11.2%) | 0.00 | 64 |
| 2020-06-01 | $192,200 (9.9%) | $218,760 (-10.7%) | 0.00 | 61 |
| 2020-07-01 | $184,900 (5.7%) | $206,787 (-9.9%) | 0.00 | 51 |
| 2020-08-01 | $215,000 (21.4%) | $242,560 (3.9%) | 0.00 | 44 |
| 2020-09-01 | $229,700 (27.7%) | $253,035 (5.5%) | 0.00 | 46 |
| 2020-10-01 | $239,000 (26.8%) | $277,804 (11.4%) | 0.00 | 53 |
| 2020-11-01 | $237,000 (29.9%) | $285,444 (14.6%) | 0.00 | 52 |
| 2020-12-01 | $237,000 (28.0%) | $282,718 (11.0%) | 0.00 | 50 |
| 2021-01-01 | $249,000 (19.1%) | $286,989 (3.4%) | 0.00 | 45 |
| 2021-02-01 | $235,000 (6.9%) | $284,658 (5.1%) | 0.00 | 49 |
| 2021-03-01 | $249,650 (28.4%) | $281,169 (21.5%) | 0.00 | 43 |
| 2021-04-01 | $241,000 (33.9%) | $251,631 (14.2%) | 0.00 | 41 |
| 2021-05-01 | $235,000 (20.8%) | $233,398 (1.4%) | 0.00 | 41 |
| 2021-06-01 | $235,000 (22.3%) | $231,065 (5.6%) | 0.00 | 34 |
| 2021-07-01 | $235,000 (27.1%) | $258,505 (25.0%) | 0.00 | 34 |
| 2021-08-01 | $242,500 (12.8%) | $302,992 (24.9%) | 0.00 | 36 |
| 2021-09-01 | $257,000 (11.9%) | $346,338 (36.9%) | 0.00 | 30 |
| 2021-10-01 | $269,000 (12.6%) | $317,341 (14.2%) | 0.00 | 35 |
| 2021-11-01 | $264,500 (11.6%) | $324,210 (13.6%) | 0.00 | 36 |
| 2021-12-01 | $219,000 (-7.6%) | $315,763 (11.7%) | 0.00 | 38 |
| 2022-01-01 | $264,500 (6.2%) | $328,642 (14.5%) | 0.00 | 30 |
| 2022-02-01 | $294,500 (25.3%) | $332,203 (16.7%) | 0.00 | 28 |
| 2022-03-01 | $232,950 (-6.7%) | $308,148 (9.6%) | 0.00 | 31 |
| 2022-04-01 | $279,000 (15.8%) | $329,354 (30.9%) | 0.00 | 37 |
| 2022-05-01 | $299,500 (27.5%) | $352,145 (50.9%) | 0.00 | 35 |
| 2022-06-01 | $299,750 (27.6%) | $346,151 (49.8%) | 0.00 | 41 |
Bainbridge's median listing price comes in at 0% of the national average.
Bainbridge's average listing price for 2022-06-01 was $346,151, a difference of $115,086 (49.8%) versus the prior year and $-5,994 versus the prior month.
For the 2022-06-01 period, Bainbridge had 41 MLS listings, a difference of 6 listings (17%) versus the prior month and 7 listings (21%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Bainbridge (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 0 days | 1,985 sqft |
| 2018-02-01 | 0 days | 1,955 sqft |
| 2018-03-01 | 0 days | 1,935 sqft |
| 2018-04-01 | 0 days | 1,955 sqft |
| 2018-05-01 | 0 days | 1,975 sqft |
| 2018-06-01 | 0 days | 2,000 sqft |
| 2018-07-01 | 0 days | 2,104 sqft |
| 2018-08-01 | 0 days | 2,083 sqft |
| 2018-09-01 | 0 days | 2,000 sqft |
| 2018-10-01 | 0 days | 1,985 sqft |
| 2018-11-01 | 0 days | 2,034 sqft |
| 2018-12-01 | 0 days | 2,000 sqft |
| 2019-01-01 | 0 days | 1,995 sqft |
| 2019-02-01 | 0 days | 2,045 sqft |
| 2019-03-01 | 0 days | 2,101 sqft |
| 2019-04-01 | 0 days | 2,164 sqft |
| 2019-05-01 | 0 days | 2,250 sqft |
| 2019-06-01 | 0 days | 2,186 sqft |
| 2019-07-01 | 0 days | 2,000 sqft |
| 2019-08-01 | 0 days | 2,033 sqft |
| 2019-09-01 | 0 days | 2,084 sqft |
| 2019-10-01 | 0 days | 2,325 sqft |
| 2019-11-01 | 0 days | 2,186 sqft |
| 2019-12-01 | 0 days | 2,257 sqft |
| 2020-01-01 | 0 days | 2,335 sqft |
| 2020-02-01 | 0 days | 2,335 sqft |
| 2020-03-01 | 0 days | 2,074 sqft |
| 2020-04-01 | 0 days | 2,078 sqft |
| 2020-05-01 | 0 days | 2,056 sqft |
| 2020-06-01 | 0 days | 2,116 sqft |
| 2020-07-01 | 0 days | 2,016 sqft |
| 2020-08-01 | 0 days | 2,282 sqft |
| 2020-09-01 | 0 days | 2,253 sqft |
| 2020-10-01 | 0 days | 2,340 sqft |
| 2020-11-01 | 0 days | 2,400 sqft |
| 2020-12-01 | 0 days | 2,388 sqft |
| 2021-01-01 | 0 days | 2,388 sqft |
| 2021-02-01 | 0 days | 2,246 sqft |
| 2021-03-01 | 0 days | 2,114 sqft |
| 2021-04-01 | 0 days | 1,954 sqft |
| 2021-05-01 | 0 days | 1,842 sqft |
| 2021-06-01 | 0 days | 1,816 sqft |
| 2021-07-01 | 0 days | 1,873 sqft |
| 2021-08-01 | 0 days | 1,964 sqft |
| 2021-09-01 | 0 days | 2,309 sqft |
| 2021-10-01 | 0 days | 1,928 sqft |
| 2021-11-01 | 0 days | 2,270 sqft |
| 2021-12-01 | 0 days | 2,270 sqft |
| 2022-01-01 | 0 days | 2,200 sqft |
| 2022-02-01 | 0 days | 2,252 sqft |
| 2022-03-01 | 0 days | 1,862 sqft |
| 2022-04-01 | 0 days | 2,042 sqft |
| 2022-05-01 | 0 days | 2,064 sqft |
| 2022-06-01 | 0 days | 1,932 sqft |
Bainbridge's median square footage for active listings during the 2022-06-01 period was 1,932 sqft. One year prior, the average listing was 1,816 sqft.
