Bainbridge Mortgage Rates

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

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%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Bainbridge, GA.

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.).

Name # of Loans 2021 Avg. 30yFix Rate 2021 Avg. Total Fees
QUICKEN LOANS, LLC 37 3.08% $4,419
HOMESTAR FINANCIAL CORPORATION 19 3.21% $2,317
Hamilton Mortgage Corporation 9 3.17% $2,968
FirstBank 9 3.42% $3,780
Ameris Bank 8 3.26% $4,009
Wells Fargo Bank 6 2.94% $3,395
Envision Credit Union 6 2.70% $3,865
Ixonia Bank 5 3.10% $4,648
AMERISAVE MORTGAGE CORPORATION 5 2.85% $5,527
LOANDEPOT.COM, LLC 4 2.97% $5,622
Renasant Bank 3 3.08% $3,842
NAVY FEDERAL CREDIT UNION 2 4.13% $3,514
HOME POINT FINANCIAL CORPORATION 2 2.94% $7,254
JPMorgan Chase Bank 2 3.13% $4,543
Mr. Cooper ( Nationstar Mortgage ) 2 3.31% $7,496
Capital City Home Loans, LLC 1 3.63% $3,621
ACOPIA, LLC 1 2.75% $4,449
Mortgage Research Center, LLC 1 3.38% $975
MOVEMENT MORTGAGE, LLC 1 3.38% $3,657
OPEN MORTGAGE, LLC 1 2.88% $5,114
PROVIDENT FUNDING ASSOCIATES, L.P. 1 3.13% $3,097
CALIBER HOME LOANS, INC. 1 3.50% $4,307
Regions Bank 1 3.25% $3,194
SOUTHPOINT FINANCIAL SERVICES, INC. 1 2.75% $3,901
Synovus Bank 1 2.50% $9,070
Truist Bank 1 2.99% $4,931
UNITED WHOLESALE MORTGAGE, LLC 1 2.75% $5,203
UNIVERSITY LENDING GROUP, LLC 1 3.38% $5,326
CRESCENT MORTGAGE COMPANY 1 3.00% $4,591
BROKER SOLUTIONS, INC. 1 2.88% $3,478
Carrington Mortgage Services, LLC 1 3.38% $5,516
Five Star Credit Union 1 3.25% $2,222
GMFS LLC 1 2.75% $3,104
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 1 2.88% $4,748
HOMESIDE FINANCIAL, LLC 1 3.25% $3,095

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 for 2022-06-01 was $299,750, a difference of $64,750 (27.6%) versus the prior year and $250 versus the prior month.

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 listing age (time on market) for 2022-06-01 was 0 days.

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.