Bainbridge Mortgage Rates & Closing Costs

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

30 Year Fixed Rate mortgages in Bainbridge averaged 6.69% for the week of 2024-11-07, compared to the national average of 6.79% for the same period.

The average rate for the prior week (2024-10-31) was 6.82% and one month ago for the week of 2024-10-03, the average rate was 5.92%.

Bainbridge's average rate one year ago was 7.76%.

For refis of the same type during the week of 2024-11-07, the average rate was 7.09%.

Loan Type Date Rate
US 30 Year Fixed Rate 2024-11-07 6.79%
Bainbridge 30 Year Fixed Rate 2024-11-07 6.69%
Bainbridge 30 Year Fixed Rate Refi 2024-11-07 7.09%
Bainbridge 15 Year Fixed Rate 2024-11-07 6.2%
Bainbridge 15 Year Fixed Rate Refi 2024-11-07 6.3%
Bainbridge 30 Year FHA 2024-11-07 6.05%
Bainbridge 30 Year FHA Refi 2024-11-07 6.33%
Bainbridge 30 Year USDA 2024-11-07 6.48%
Bainbridge 30 Year USDA Refi 2024-11-07 6.48%
Bainbridge 30 Year VA 2024-11-07 6.54%
Bainbridge 30 Year VA Refi 2024-11-07 6.14%
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
2024-04-01 $254,675 (-2.9%) $282,574 (-13.1%) 0.00 59
2024-05-01 $232,400 (-16.8%) $259,690 (-25.3%) 0.00 67
2024-06-01 $232,900 (-20.9%) $275,168 (-22.0%) 0.00 67
2024-07-01 $261,813 (-6.3%) $285,544 (-19.3%) 0.00 62
2024-08-01 $255,000 (-23.9%) $286,934 (-24.4%) 0.00 58
2024-09-01 $252,700 (-21.0%) $293,319 (-17.5%) 0.00 62
2024-10-01 $287,850 (-9.5%) $319,638 (-15.3%) 0.00 60
Bainbridge's median listing price for 2024-10-01 was $287,850, a difference of $-30,275 (-9.5%) versus the prior year and $35,150 versus the prior month.

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

Bainbridge's average listing price for 2024-10-01 was $319,638, a difference of $-57,756 (-15.3%) versus the prior year and $26,319 versus the prior month.

For the 2024-10-01 period, Bainbridge had 60 MLS listings, a difference of -2 listings (-3%) versus the prior month and 10 listings (20%) 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
2024-04-01 0 days 1,809 sqft
2024-05-01 0 days 1,626 sqft
2024-06-01 0 days 1,652 sqft
2024-07-01 0 days 1,841 sqft
2024-08-01 0 days 1,725 sqft
2024-09-01 0 days 1,733 sqft
2024-10-01 0 days 1,917 sqft
Bainbridge's median listing age (time on market) for 2024-10-01 was 0 days.

Bainbridge's median square footage for active listings during the 2024-10-01 period was 1,917 sqft. One year prior, the average listing was 2,282 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.