Bainbridge Mortgage Rates & Closing Costs

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

    30 Year Fixed Rate mortgages in Bainbridge averaged 6.88% for the week of 2024-04-11, compared to the national average of 6.88% for the same period.

    The average rate for the prior week (2024-04-04) was 7.02% and one month ago for the week of 2024-03-07, the average rate was 6.98%.

    Bainbridge's average rate one year ago was 6.48%.

    For refis of the same type during the week of 2024-04-11, the average rate was 6.88%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2024-04-11 6.88%
    Bainbridge 30 Year Fixed Rate 2024-04-11 6.88%
    Bainbridge 30 Year Fixed Rate Refi 2024-04-11 6.88%
    Bainbridge 15 Year Fixed Rate 2024-04-11 5.96%
    Bainbridge 15 Year Fixed Rate Refi 2024-04-11 6.56%
    Bainbridge 30 Year FHA 2024-04-11 6.56%
    Bainbridge 30 Year FHA Refi 2024-04-11 6.84%
    Bainbridge 30 Year USDA 2024-04-11 6.51%
    Bainbridge 30 Year USDA Refi 2024-04-11 6.81%
    Bainbridge 30 Year VA 2024-04-11 6.37%
    Bainbridge 30 Year VA Refi 2024-04-11 6.37%
    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 lender, 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 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    QUICKEN LOANS, LLC 9 6.87% $6,263
    HOMESTAR FINANCIAL CORPORATION 6 6.38% $6,108
    TOWNE MORTGAGE COMPANY 5 6.38% $5,636
    Envision Credit Union 4 6.63% $3,991
    DHI MORTGAGE COMPANY, LTD. 2 5.56% $3,071
    Truist 2 6.13% $6,135
    21ST MORTGAGE CORPORATION 2 8.57% $5,769
    Five Star Credit Union 1 7.27% $5,229
    Metro City Bank 1 7.63% $4,503
    Mid-Continent Funding, Inc. 1 7.63% $5,693
    Mortgage Assurance Inc. 1 7.50% $3,330
    MORTGAGE INVESTORS GROUP, INC. 1 7.50% $18,084
    Mortgage Research Center, LLC 1 6.13% $9,906
    Mr. Cooper ( Nationstar Mortgage ) 1 7.63% $5,063
    NAVY FEDERAL CREDIT UNION 1 8.13% $9,150
    PENNYMAC LOAN SERVICES, LLC 1 6.63% $4,117
    PHH Mortgage Corporation 1 6.13% $4,078
    STATE EMPLOYEES' 1 5.65% $5,625
    Tyndall Federal Credit Union 1 5.88% $4,689
    AMERICAN PACIFIC MORTGAGE CORPORATION 1 7.88% $8,795
    Bank OZK 1 7.75% $1,706
    Capital City Home Loans, LLC 1 7.38% $5,876
    Citadel Servicing Corporation 1 11.13% $10,263
    Citibank 1 7.00% $2,048
    CROSSCOUNTRY MORTGAGE, LLC 1 6.38% $5,597

    Bainbridge Average Closing Costs & Other Stats

    Bainbridge, GA's 25 lenders originated 282 loans during 2023. The total origination value was $50,490,000, with an average loan value of $179,043.

    Bainbridge's average closing costs are $5,069.

    The top Bainbridge lender as defined by loan originations is QUICKEN LOANS, LLC, with 9 loans originated. Their average total fees are $6,263, which is $156 higher than the next largest lender, HOMESTAR FINANCIAL CORPORATION.

    The lowest fee Bainbridge lenders (with over 10 loans originated) are .

    The lowest rate Bainbridge lenders (with over 10 loans originated) are .

    Bainbridge, 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
    HOMESTAR FINANCIAL CORPORATION $9,610,000 $8,040,000 -16.3% 15.9%
    QUICKEN LOANS, LLC $9,255,000 $4,275,000 -53.8% 8.5%
    TOWNE MORTGAGE COMPANY $200,000 $3,640,000 1,720.0% 7.2%
    Mortgage Research Center, LLC $1,485,000 $2,980,000 100.7% 5.9%
    First State Bank of Blakely, Inc. $5,295,000 $2,660,000 -49.8% 5.3%
    DHI MORTGAGE COMPANY, LTD. $235,000 $2,205,000 838.3% 4.4%
    AMERICAN PACIFIC MORTGAGE CORPORATION $1,020,000 n/a 2.0%
    UNITED WHOLESALE MORTGAGE, LLC $965,000 $1,005,000 4.1% 2.0%
    21ST MORTGAGE CORPORATION $1,215,000 $900,000 -25.9% 1.8%
    PeoplesSouth Bank $2,785,000 $900,000 -67.7% 1.8%
    MORTGAGE INVESTORS GROUP, INC. $125,000 $890,000 612.0% 1.8%
    Truist $240,000 $875,000 264.6% 1.7%
    Flagstar Bank, FSB $130,000 $870,000 569.2% 1.7%
    Envision Credit Union $740,000 $810,000 9.5% 1.6%
    Five Star Credit Union $850,000 $745,000 -12.4% 1.5%
    NAVY FEDERAL CREDIT UNION $1,140,000 $705,000 -38.2% 1.4%
    FREEDOM MORTGAGE CORPORATION $850,000 $635,000 -25.3% 1.3%
    USAA Federal Savings Bank $555,000 $510,000 -8.1% 1.0%
    MOVEMENT MORTGAGE, LLC $470,000 n/a 0.9%
    STATE EMPLOYEES' $395,000 n/a 0.8%
    PENNYMAC LOAN SERVICES, LLC $560,000 $370,000 -33.9% 0.7%
    Ameris Bank $1,165,000 $365,000 -68.7% 0.7%
    LOANDEPOT.COM, LLC $895,000 $330,000 -63.1% 0.7%
    CROSSCOUNTRY MORTGAGE, LLC $290,000 n/a 0.6%
    Georgia Community Bank $280,000 n/a 0.6%
    NEWREZ LLC $85,000 $275,000 223.5% 0.5%
    RELIANCE FIRST CAPITAL, LLC $265,000 n/a 0.5%
    Mr. Cooper ( Nationstar Mortgage ) $670,000 $260,000 -61.2% 0.5%
    University Bank $305,000 $260,000 -14.8% 0.5%
    Fifth Third Bank $255,000 n/a 0.5%
    The Citizens National Bank of Quitman $255,000 n/a 0.5%
    BETTER MORTGAGE CORPORATION $145,000 $245,000 69.0% 0.5%
    Capital City Home Loans, LLC $115,000 $245,000 113.0% 0.5%
    DELMAR FINANCIAL COMPANY $295,000 $245,000 -16.9% 0.5%
    First Federal Bank $215,000 $245,000 14.0% 0.5%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $240,000 n/a 0.5%
    ALL IN $220,000 n/a 0.4%
    Florida Capital Bank $215,000 n/a 0.4%
    MICHIGAN MUTUAL, INC. $215,000 n/a 0.4%
    Mortgage Assurance Inc. $215,000 n/a 0.4%
    Tyndall Federal Credit Union $215,000 n/a 0.4%
    Citadel Servicing Corporation $205,000 n/a 0.4%
    Discover Bank $205,000 n/a 0.4%
    Regions Bank $795,000 $205,000 -74.2% 0.4%
    Thomasville National Bank $400,000 $205,000 -48.8% 0.4%
    VANDERBILT MORTGAGE AND FINANCE, INC. $205,000 n/a 0.4%
    Figure Lending LLC $65,000 $200,000 207.7% 0.4%
    ENVOY MORTGAGE, LTD $195,000 n/a 0.4%
    LIBERTY HOME MORTGAGE CORPORATION $195,000 n/a 0.4%
    ACOPIA, LLC $560,000 $190,000 -66.1% 0.4%
    Nations Lending Corporation $175,000 n/a 0.3%
    BANKSOUTH MORTGAGE COMPANY, LLC $165,000 n/a 0.3%
    MILEND, INC. $165,000 n/a 0.3%
    Colony Bank $155,000 n/a 0.3%
    Greenbox Loans, Inc. $175,000 $145,000 -17.1% 0.3%
    ZILLOW HOME LOANS, LLC $145,000 n/a 0.3%
    HOMESIDE FINANCIAL, LLC $600,000 $135,000 -77.5% 0.3%
    Metro City Bank $115,000 n/a 0.2%
    Mid-Continent Funding, Inc. $115,000 n/a 0.2%
    LOANPAL, LLC $105,000 n/a 0.2%
    Bank OZK $75,000 $100,000 33.3% 0.2%
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $95,000 n/a 0.2%
    ROYAL UNITED MORTGAGE LLC $95,000 n/a 0.2%
    MUTUAL OF OMAHA MORTGAGE, INC. $115,000 $75,000 -34.8% 0.1%
    AMERISAVE MORTGAGE CORPORATION $125,000 $65,000 -48.0% 0.1%
    ATLANTA POSTAL $65,000 $65,000 0.0% 0.1%
    PHH Mortgage Corporation $65,000 n/a 0.1%
    GEORGIA'S OWN $390,000 $55,000 -85.9% 0.1%
    Lakeview Community Capital, LLC $55,000 n/a 0.1%
    Carrington Mortgage Services, LLC $555,000 $35,000 -93.7% 0.1%
    Citibank $35,000 n/a 0.1%
    PLANET HOME LENDING, LLC $25,000 n/a 0.0%

    Bainbridge's top lender by overall market share is HOMESTAR FINANCIAL CORPORATION, with 15.9% market share. In second place, with 8.5%, is QUICKEN LOANS, LLC, having originated $4,275,000 in loans. In third place, with 7.2%, is TOWNE MORTGAGE COMPANY, having originated $3,640,000 in loans. In fourth place, with 5.9%, is Mortgage Research Center, LLC, having originated $2,980,000 in loans. In fifth place, with 5.3%, is First State Bank of Blakely, Inc., having originated $2,660,000 in loans.

    Bainbridge Housing Market Trends (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 $162,950 (12.0%) $187,450 (6.9%) 0.00 103
    2018-02-01 $159,100 (8.8%) $177,249 (4.0%) 0.00 101
    2018-03-01 $154,900 (8.1%) $173,369 (11.8%) 0.00 105
    2018-04-01 $159,250 (10.9%) $186,596 (18.6%) 0.00 109
    2018-05-01 $162,450 (16.1%) $191,367 (17.8%) 0.00 111
    2018-06-01 $165,000 (14.8%) $192,523 (15.6%) 0.00 111
    2018-07-01 $165,000 (14.2%) $207,780 (23.4%) 0.00 114
    2018-08-01 $166,075 (14.5%) $205,578 (23.9%) 0.00 114
    2018-09-01 $169,900 (16.4%) $214,567 (24.5%) 0.00 113
    2018-10-01 $161,500 (7.7%) $209,263 (19.1%) 0.00 120
    2018-11-01 $165,000 (4.4%) $219,265 (20.2%) 0.00 101
    2018-12-01 $174,900 (7.0%) $224,511 (17.5%) 0.00 96
    2019-01-01 $174,375 (7.0%) $224,773 (19.9%) 0.00 79
    2019-02-01 $172,275 (8.3%) $229,307 (29.4%) 0.00 72
    2019-03-01 $172,100 (11.1%) $229,194 (32.2%) 0.00 66
    2019-04-01 $176,175 (10.6%) $232,113 (24.4%) 0.00 65
    2019-05-01 $180,550 (11.1%) $249,853 (30.6%) 0.00 58
    2019-06-01 $174,900 (6.0%) $239,124 (24.2%) 0.00 57
    2019-07-01 $174,900 (6.0%) $226,105 (8.8%) 0.00 66
    2019-08-01 $176,973 (6.6%) $231,391 (12.6%) 0.00 66
    2019-09-01 $180,082 (6.0%) $238,038 (10.9%) 0.00 64
    2019-10-01 $182,155 (12.8%) $241,421 (15.4%) 0.00 65
    2019-11-01 $181,250 (9.9%) $241,573 (10.2%) 0.00 64
    2019-12-01 $186,550 (6.7%) $244,071 (8.7%) 0.00 66
    2020-01-01 $199,900 (14.6%) $266,658 (18.6%) 0.00 79
    2020-02-01 $218,000 (26.5%) $258,879 (12.9%) 0.00 64
    2020-03-01 $188,425 (9.5%) $221,798 (-3.2%) 0.00 69
    2020-04-01 $178,675 (1.4%) $208,673 (-10.1%) 0.00 71
    2020-05-01 $191,700 (6.2%) $218,308 (-12.6%) 0.00 61
    2020-06-01 $189,200 (8.2%) $212,149 (-11.3%) 0.00 59
    2020-07-01 $183,650 (5.0%) $207,052 (-8.4%) 0.00 53
    2020-08-01 $214,950 (21.5%) $240,283 (3.8%) 0.00 44
    2020-09-01 $222,225 (23.4%) $247,433 (4.0%) 0.00 47
    2020-10-01 $235,000 (29.0%) $266,267 (10.3%) 0.00 53
    2020-11-01 $234,450 (29.4%) $275,893 (14.2%) 0.00 51
    2020-12-01 $233,450 (25.1%) $273,357 (12.0%) 0.00 50
    2021-01-01 $242,000 (21.1%) $279,776 (4.9%) 0.00 46
    2021-02-01 $233,000 (6.9%) $283,252 (9.4%) 0.00 49
    2021-03-01 $249,675 (32.5%) $282,034 (27.2%) 0.00 40
    2021-04-01 $238,000 (33.2%) $248,696 (19.2%) 0.00 39
    2021-05-01 $230,000 (20.0%) $231,222 (5.9%) 0.00 40
    2021-06-01 $209,907 (10.9%) $224,042 (5.6%) 0.00 33
    2021-07-01 $230,000 (25.2%) $254,543 (22.9%) 0.00 34
    2021-08-01 $246,250 (14.6%) $286,614 (19.3%) 0.00 35
    2021-09-01 $258,125 (16.2%) $333,949 (35.0%) 0.00 29
    2021-10-01 $269,250 (14.6%) $303,061 (13.8%) 0.00 34
    2021-11-01 $265,625 (13.3%) $312,216 (13.2%) 0.00 36
    2021-12-01 $223,425 (-4.3%) $306,423 (12.1%) 0.00 38
    2022-01-01 $267,200 (10.4%) $311,910 (11.5%) 0.00 30
    2022-02-01 $284,500 (22.1%) $313,894 (10.8%) 0.00 28
    2022-03-01 $229,975 (-7.9%) $301,090 (6.8%) 0.00 31
    2022-04-01 $277,000 (16.4%) $309,376 (24.4%) 0.00 34
    2022-05-01 $277,250 (20.5%) $332,557 (43.8%) 0.00 33
    2022-06-01 $279,900 (33.3%) $336,378 (50.1%) 0.00 39
    2022-07-01 $299,950 (30.4%) $348,226 (36.8%) 0.00 49
    2022-08-01 $349,000 (41.7%) $382,278 (33.4%) 0.00 47
    2022-09-01 $357,000 (38.3%) $373,868 (12.0%) 0.00 51
    2022-10-01 $315,000 (17.0%) $367,032 (21.1%) 0.00 53
    2022-11-01 $284,725 (7.2%) $346,115 (10.9%) 0.00 53
    2022-12-01 $272,450 (21.9%) $313,036 (2.2%) 0.00 55
    2023-01-01 $265,950 (-0.5%) $293,486 (-5.9%) 0.00 48
    2023-02-01 $264,675 (-7.0%) $312,211 (-0.5%) 0.00 52
    2023-03-01 $285,450 (24.1%) $335,545 (11.4%) 0.00 45
    2023-04-01 $262,250 (-5.3%) $325,018 (5.1%) 0.00 57
    2023-05-01 $279,225 (0.7%) $347,539 (4.5%) 0.00 53
    2023-06-01 $294,250 (5.1%) $352,866 (4.9%) 0.00 55
    2023-07-01 $279,450 (-6.8%) $353,712 (1.6%) 0.00 54
    2023-08-01 $334,925 (-4.0%) $379,620 (-0.7%) 0.00 52
    2023-09-01 $319,950 (-10.4%) $355,346 (-5.0%) 0.00 51
    2023-10-01 $318,125 (1.0%) $377,394 (2.8%) 0.00 50
    2023-11-01 $307,500 (8.0%) $361,099 (4.3%) 0.00 55
    2023-12-01 $304,500 (11.8%) $336,294 (7.4%) 0.00 51
    2024-01-01 $299,000 (12.4%) $311,662 (6.2%) 0.00 62
    2024-02-01 $291,950 (10.3%) $300,313 (-3.8%) 0.00 63
    2024-03-01 $254,950 (-10.7%) $283,700 (-15.5%) 0.00 56
    Bainbridge's median listing price for 2024-03-01 was $254,950, a difference of $-30,500 (-10.7%) versus the prior year and $-37,000 versus the prior month.

    Bainbridge's median listing price comes in at 0% of the national average.

    Bainbridge's average listing price for 2024-03-01 was $283,700, a difference of $-51,845 (-15.5%) versus the prior year and $-16,613 versus the prior month.

    For the 2024-03-01 period, Bainbridge had 56 MLS listings, a difference of -7 listings (-11%) versus the prior month and 11 listings (24%) 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 1,966 sqft
    2018-02-01 0 days 1,949 sqft
    2018-03-01 0 days 1,880 sqft
    2018-04-01 0 days 1,931 sqft
    2018-05-01 0 days 1,936 sqft
    2018-06-01 0 days 2,000 sqft
    2018-07-01 0 days 2,089 sqft
    2018-08-01 0 days 2,039 sqft
    2018-09-01 0 days 1,994 sqft
    2018-10-01 0 days 1,964 sqft
    2018-11-01 0 days 1,981 sqft
    2018-12-01 0 days 1,977 sqft
    2019-01-01 0 days 1,961 sqft
    2019-02-01 0 days 2,000 sqft
    2019-03-01 0 days 2,020 sqft
    2019-04-01 0 days 2,081 sqft
    2019-05-01 0 days 2,195 sqft
    2019-06-01 0 days 2,188 sqft
    2019-07-01 0 days 2,000 sqft
    2019-08-01 0 days 2,086 sqft
    2019-09-01 0 days 2,214 sqft
    2019-10-01 0 days 2,236 sqft
    2019-11-01 0 days 2,134 sqft
    2019-12-01 0 days 2,107 sqft
    2020-01-01 0 days 2,257 sqft
    2020-02-01 0 days 2,326 sqft
    2020-03-01 0 days 2,057 sqft
    2020-04-01 0 days 2,040 sqft
    2020-05-01 0 days 2,031 sqft
    2020-06-01 0 days 2,049 sqft
    2020-07-01 0 days 2,000 sqft
    2020-08-01 0 days 2,252 sqft
    2020-09-01 0 days 2,239 sqft
    2020-10-01 0 days 2,263 sqft
    2020-11-01 0 days 2,397 sqft
    2020-12-01 0 days 2,373 sqft
    2021-01-01 0 days 2,376 sqft
    2021-02-01 0 days 2,239 sqft
    2021-03-01 0 days 2,150 sqft
    2021-04-01 0 days 1,952 sqft
    2021-05-01 0 days 1,855 sqft
    2021-06-01 0 days 1,806 sqft
    2021-07-01 0 days 1,873 sqft
    2021-08-01 0 days 1,958 sqft
    2021-09-01 0 days 2,295 sqft
    2021-10-01 0 days 1,994 sqft
    2021-11-01 0 days 2,222 sqft
    2021-12-01 0 days 2,155 sqft
    2022-01-01 0 days 2,183 sqft
    2022-02-01 0 days 2,166 sqft
    2022-03-01 0 days 1,891 sqft
    2022-04-01 0 days 2,048 sqft
    2022-05-01 0 days 2,060 sqft
    2022-06-01 0 days 1,929 sqft
    2022-07-01 0 days 2,128 sqft
    2022-08-01 0 days 2,189 sqft
    2022-09-01 0 days 2,188 sqft
    2022-10-01 0 days 2,128 sqft
    2022-11-01 0 days 1,965 sqft
    2022-12-01 0 days 1,892 sqft
    2023-01-01 0 days 1,883 sqft
    2023-02-01 0 days 1,907 sqft
    2023-03-01 0 days 1,955 sqft
    2023-04-01 0 days 1,806 sqft
    2023-05-01 0 days 2,016 sqft
    2023-06-01 0 days 2,164 sqft
    2023-07-01 0 days 2,012 sqft
    2023-08-01 0 days 2,136 sqft
    2023-09-01 0 days 2,374 sqft
    2023-10-01 0 days 2,282 sqft
    2023-11-01 0 days 2,327 sqft
    2023-12-01 0 days 2,182 sqft
    2024-01-01 0 days 1,995 sqft
    2024-02-01 0 days 2,003 sqft
    2024-03-01 0 days 1,921 sqft
    Bainbridge's median listing age (time on market) for 2024-03-01 was 0 days.

    Bainbridge's median square footage for active listings during the 2024-03-01 period was 1,921 sqft. One year prior, the average listing was 1,955 sqft.

    Bainbridge, GA Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 178 $35,880,000 $201,573
    Cash Out Refi 47 $6,945,000 $147,766
    Refi 29 $5,775,000 $199,138
    Other 15 $835,000 $55,667
    Home Improvement 13 $1,055,000 $81,154

    Bainbridge's most frequently cited loan purpose was Home Purchase, with 178 originations. The 2nd most popular reason was Cash Out Refi, with 47 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    6-7% 89 $18,735,000 $210,506
    7-8% 48 $9,170,000 $191,042
    5-6% 42 $9,040,000 $215,238
    Over 8% 37 $3,505,000 $94,730
    <2.5% 1 $15,000 $15,000
    4-5% 1 $175,000 $175,000

    During 2023, Bainbridge's most frequently originated rate bucket was 6-7%, with 89 originations.

    Loan Sizing (Bainbridge, GA MSA)

    Loan Size Originations Total Value Average Loan
    $100k-200k 99 $15,145,000 $152,980
    $200k-400k 88 $23,430,000 $266,250
    $100,000 or less 81 $4,255,000 $52,531
    $400k-600k 11 $5,135,000 $466,818
    $600k-1000k 2 $1,360,000 $680,000
    $Over $1MM 1 $1,165,000 $1,165,000

    Bainbridge's loan sizing saw the bucket of loans from $100k-200k with 99 originations, totaling $15,145,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 131 $28,265,000 $215,763
    60-80% 42 $8,190,000 $195,000
    20-40% 15 $1,115,000 $74,333
    Under 20% 14 $450,000 $32,143
    40-60% 11 $1,265,000 $115,000
    Over 100% 5 $1,325,000 $265,000

    Bainbridge's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 131 originations, totaling $28,265,000 in origination value.