Bay City Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Bay City averaged
6.66%
for the week of 2025-03-27, compared to the national average of
6.65% for the same period.
The average rate for the prior week (2025-03-20) was
6.58% and
one month ago for the week of 2025-02-20, the
average rate was 7.06%.
Bay City's average rate one year ago was 6.78%.
For refis of the same type during the week of 2025-03-27, the average rate
was 6.95%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-03-27 | 6.65% |
| Bay City 30 Year Fixed Rate | 2025-03-27 | 6.66% |
| Bay City 30 Year Fixed Rate Refi | 2025-03-27 | 6.95% |
| Bay City 15 Year Fixed Rate | 2025-03-27 | 5.99% |
| Bay City 15 Year Fixed Rate Refi | 2025-03-27 | 5.99% |
| Bay City 30 Year FHA | 2025-03-27 | 6.27% |
| Bay City 30 Year FHA Refi | 2025-03-27 | 6.57% |
| Bay City 30 Year USDA | 2025-03-27 | 6.2% |
| Bay City 30 Year USDA Refi | 2025-03-27 | 6.6% |
| Bay City 30 Year VA | 2025-03-27 | 6.39% |
| Bay City 30 Year VA Refi | 2025-03-27 | 6.39% |
Bay City 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 Bay City, TX 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.).
Bay City Average Closing Costs & Other Stats
Bay City, TX's 64 lenders originated 397
loans during 2023. The total origination value was $92,295,000, with an average loan value of
$232,481.
Bay City's average closing costs are $5,896.
The top Bay City lender as defined by loan originations is Gateway First Bank, with
21 loans originated. Their average total fees are
$5,562, which is $1,681
lower than the next largest lender,
QUICKEN LOANS, LLC.
The lowest fee Bay City lenders (with over 10 loans originated) are
TEXAS DOW EMPLOYEES CREDIT UNION ($4,661), Gateway First Bank ($5,562), QUICKEN LOANS, LLC ($7,243), .
The lowest rate Bay City lenders (with over 10 loans originated) are
Gateway First Bank (7.08%), QUICKEN LOANS, LLC (7.29%), TEXAS DOW EMPLOYEES CREDIT UNION (7.44%), .
Bay City, TX 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 |
|---|---|---|---|---|
| Farmers Bank & Trust Company | $11,755,000 | n/a | 12.7% | |
| Gateway First Bank | $17,270,000 | $8,420,000 | -51.2% | 9.1% |
| Prosperity Bank | $11,920,000 | $5,355,000 | -55.1% | 5.8% |
| QUICKEN LOANS, LLC | $4,280,000 | $4,765,000 | 11.3% | 5.2% |
| TEXAS DOW EMPLOYEES CREDIT UNION | $5,470,000 | $3,710,000 | -32.2% | 4.0% |
| Mortgage Research Center, LLC | $3,155,000 | $3,615,000 | 14.6% | 3.9% |
| UNITED WHOLESALE MORTGAGE, LLC | $1,960,000 | $2,825,000 | 44.1% | 3.1% |
| INSPIRE HOME LOANS INC. | $490,000 | $2,530,000 | 416.3% | 2.7% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $2,780,000 | $2,465,000 | -11.3% | 2.7% |
| FIRST STATE BANK | $1,815,000 | n/a | 2.0% | |
| 21ST MORTGAGE CORPORATION | $955,000 | $1,725,000 | 80.6% | 1.9% |
| First Financial Bank | $900,000 | $1,420,000 | 57.8% | 1.5% |
| EUSTIS AND AMERICAN MORTGAGE COMPANY | $990,000 | $1,220,000 | 23.2% | 1.3% |
| Flagstar Bank, FSB | $1,005,000 | $1,100,000 | 9.5% | 1.2% |
| Network Funding, L.P. | $1,415,000 | $1,095,000 | -22.6% | 1.2% |
| AMCAP MORTGAGE, LTD. | $2,035,000 | $1,090,000 | -46.4% | 1.2% |
| PNC Bank | $1,080,000 | n/a | 1.2% | |
| Citizens State Bank | $305,000 | $975,000 | 219.7% | 1.1% |
| Wells Fargo Bank | $765,000 | $950,000 | 24.2% | 1.0% |
| Newfirst National Bank | $915,000 | n/a | 1.0% | |
| JPMorgan Chase Bank | $440,000 | $880,000 | 100.0% | 1.0% |
| NAVY FEDERAL CREDIT UNION | $1,005,000 | $840,000 | -16.4% | 0.9% |
| MEMBER HOME LOAN, L.L.C. | $780,000 | $805,000 | 3.2% | 0.9% |
| LOANDEPOT.COM, LLC | $1,255,000 | $795,000 | -36.7% | 0.9% |
| SOUTHWEST STAGE FUNDING, LLC | $230,000 | $795,000 | 245.7% | 0.9% |
| SECURITYNATIONAL MORTGAGE COMPANY | $445,000 | $765,000 | 71.9% | 0.8% |
| EVERETT FINANCIAL, INC. | $355,000 | $710,000 | 100.0% | 0.8% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $255,000 | $695,000 | 172.5% | 0.8% |
| Mr. Cooper ( Nationstar Mortgage ) | $1,485,000 | $685,000 | -53.9% | 0.7% |
| BancorpSouth | $670,000 | n/a | 0.7% | |
| COUNTRYPLACE MORTGAGE, LTD. | $690,000 | $650,000 | -5.8% | 0.7% |
| CROSSCOUNTRY MORTGAGE, LLC | $510,000 | $615,000 | 20.6% | 0.7% |
| MID AMERICA MORTGAGE, INC. | $610,000 | n/a | 0.7% | |
| GUILD MORTGAGE COMPANY | $830,000 | $600,000 | -27.7% | 0.7% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $950,000 | $575,000 | -39.5% | 0.6% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $555,000 | n/a | 0.6% | |
| CITY FIRST MORTGAGE SERVICES, L.L.C. | $550,000 | n/a | 0.6% | |
| FIRST SERVICE Credit Union | $910,000 | $545,000 | -40.1% | 0.6% |
| Zions Bank | $1,810,000 | $545,000 | -69.9% | 0.6% |
| Equity Prime Mortgage LLC | $540,000 | n/a | 0.6% | |
| GUARANTEED RATE AFFINITY, LLC | $315,000 | $540,000 | 71.4% | 0.6% |
| Sunflower Bank | $535,000 | n/a | 0.6% | |
| First Commercial Bank | $495,000 | n/a | 0.5% | |
| AMERISAVE MORTGAGE CORPORATION | $615,000 | $460,000 | -25.2% | 0.5% |
| The First National Bank of McGregor | $455,000 | n/a | 0.5% | |
| CHURCHILL MORTGAGE CORPORATION | $440,000 | n/a | 0.5% | |
| GARDNER FINANCIAL SERVICES, LTD. | $425,000 | n/a | 0.5% | |
| Liberty National Bank | $425,000 | n/a | 0.5% | |
| Secured Investment Corp. | $305,000 | $415,000 | 36.1% | 0.4% |
| SUN WEST MORTGAGE COMPANY, INC. | $85,000 | $415,000 | 388.2% | 0.4% |
| First State Bank | $405,000 | n/a | 0.4% | |
| Hancock Whitney Bank | $405,000 | n/a | 0.4% | |
| CMG MORTGAGE, INC. | $825,000 | $395,000 | -52.1% | 0.4% |
| USAA Federal Savings Bank | $1,685,000 | $395,000 | -76.6% | 0.4% |
| NATIONS RELIABLE LENDING, LLC | $625,000 | $390,000 | -37.6% | 0.4% |
| NexBank | $380,000 | n/a | 0.4% | |
| BETTER MORTGAGE CORPORATION | $255,000 | $375,000 | 47.1% | 0.4% |
| PLAZA HOME MORTGAGE, INC. | $370,000 | n/a | 0.4% | |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | $365,000 | n/a | 0.4% | |
| Guaranty Bank & Trust, N.A. | $365,000 | n/a | 0.4% | |
| PLANET HOME LENDING, LLC | $365,000 | n/a | 0.4% | |
| The Huntington National Bank | $355,000 | n/a | 0.4% | |
| ASPIRE FINANCIAL, INC. | $115,000 | $345,000 | 200.0% | 0.4% |
| RANDOLPH-BROOKS | $410,000 | $320,000 | -22.0% | 0.3% |
| TRIAD FINANCIAL SERVICES, INC. | $95,000 | $320,000 | 236.8% | 0.3% |
| First United Bank and Trust Company | $355,000 | $315,000 | -11.3% | 0.3% |
| Ameris Bank | $305,000 | n/a | 0.3% | |
| DIRECTIONS EQUITY, LLC | $305,000 | n/a | 0.3% | |
| GUARANTEED RATE, INC. | $75,000 | $290,000 | 286.7% | 0.3% |
| NBKC BANK | $575,000 | $285,000 | -50.4% | 0.3% |
| S1L, Inc. | $255,000 | $275,000 | 7.8% | 0.3% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | $745,000 | $265,000 | -64.4% | 0.3% |
| SUMMIT FUNDING, INC. | $265,000 | n/a | 0.3% | |
| First Savings Bank | $115,000 | $260,000 | 126.1% | 0.3% |
| PENNYMAC LOAN SERVICES, LLC | $285,000 | $245,000 | -14.0% | 0.3% |
| U.S. Bank | $245,000 | n/a | 0.3% | |
| Community First Bank | $235,000 | n/a | 0.3% | |
| Nations Lending Corporation | $235,000 | n/a | 0.3% | |
| Veritex Community Bank | $235,000 | n/a | 0.3% | |
| Bank of America | $665,000 | $230,000 | -65.4% | 0.2% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $380,000 | $225,000 | -40.8% | 0.2% |
| Wallick & Volk, Inc. | $225,000 | n/a | 0.2% | |
| ACADEMY MORTGAGE CORPORATION | $385,000 | $205,000 | -46.8% | 0.2% |
| Arvest Bank | $205,000 | n/a | 0.2% | |
| First Bank | $205,000 | n/a | 0.2% | |
| FINANCE OF AMERICA REVERSE LLC | $200,000 | n/a | 0.2% | |
| FIRST COMMUNITY CREDIT UNION | $680,000 | $195,000 | -71.3% | 0.2% |
| Houston Federal Credit Union | $195,000 | n/a | 0.2% | |
| United Fidelity Funding Corp. | $195,000 | n/a | 0.2% | |
| WESTSTAR MORTGAGE CORPORATION | $195,000 | n/a | 0.2% | |
| PENTAGON FEDERAL CREDIT UNION | $185,000 | n/a | 0.2% | |
| CREDIT HUMAN FEDERAL CREDIT UNION | $165,000 | n/a | 0.2% | |
| VELOCITY COMMERCIAL CAPITAL, LLC | $165,000 | n/a | 0.2% | |
| AMOCO | $155,000 | n/a | 0.2% | |
| Metro City Bank | $155,000 | n/a | 0.2% | |
| PREMIA MORTGAGE, LLC | $275,000 | $155,000 | -43.6% | 0.2% |
| BROKER SOLUTIONS, INC. | $395,000 | $145,000 | -63.3% | 0.2% |
| ZILLOW HOME LOANS, LLC | $145,000 | n/a | 0.2% | |
| A&D Mortgage LLC | $135,000 | n/a | 0.1% | |
| Discover Bank | $130,000 | n/a | 0.1% | |
| 212 LOANS, LLC. | $125,000 | n/a | 0.1% | |
| AMWEST FUNDING CORP. | $125,000 | n/a | 0.1% | |
| R Bank | $285,000 | $125,000 | -56.1% | 0.1% |
| THE EQUITABLE MORTGAGE CORPORATION | $125,000 | n/a | 0.1% | |
| Century Mortgage Company DBA Century Lending Company | $235,000 | $115,000 | -51.1% | 0.1% |
| INTERLINC MORTGAGE SERVICES, LLC | $165,000 | $115,000 | -30.3% | 0.1% |
| AMERICAN FINANCIAL RESOURCES, INC. | $105,000 | n/a | 0.1% | |
| Citizens Bank | $1,125,000 | $105,000 | -90.7% | 0.1% |
| Credit Union of Texas | $105,000 | n/a | 0.1% | |
| LOANPEOPLE, LLC | $105,000 | n/a | 0.1% | |
| UNIVERSITY Federal Credit Union | $255,000 | $105,000 | -58.8% | 0.1% |
| The Loan Store, Inc. | $95,000 | n/a | 0.1% | |
| International Bank of Commerce | $85,000 | $90,000 | 5.9% | 0.1% |
| NEWREZ LLC | $135,000 | $75,000 | -44.4% | 0.1% |
| SPRING EQ, LLC | $75,000 | n/a | 0.1% | |
| GREATER TEXAS FEDERAL CREDIT UNION | $15,000 | n/a | 0.0% |
Bay City's top lender by overall market share is Farmers Bank & Trust Company, with 12.7% market share. In second place, with 9.1%, is Gateway First Bank, having originated $8,420,000 in loans. In third place, with 5.8%, is Prosperity Bank, having originated $5,355,000 in loans. In fourth place, with 5.2%, is QUICKEN LOANS, LLC, having originated $4,765,000 in loans. In fifth place, with 4.0%, is TEXAS DOW EMPLOYEES CREDIT UNION, having originated $3,710,000 in loans.
Bay City Housing Market Trends (Median, Average Prices & Listing Count)
Realtor.com - Bay City (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 | $219,725 (2.2%) | $243,752 (3.3%) | 0.00 | 259 |
| 2018-02-01 | $219,975 (-2.1%) | $248,016 (3.0%) | 0.00 | 267 |
| 2018-03-01 | $227,000 (4.9%) | $246,793 (3.0%) | 0.00 | 273 |
| 2018-04-01 | $229,550 (14.8%) | $244,880 (4.6%) | 0.00 | 270 |
| 2018-05-01 | $229,838 (15.4%) | $246,973 (7.9%) | 0.00 | 282 |
| 2018-06-01 | $229,900 (15.5%) | $250,808 (10.5%) | 0.00 | 297 |
| 2018-07-01 | $232,392 (6.6%) | $253,747 (8.1%) | 0.00 | 317 |
| 2018-08-01 | $228,450 (6.3%) | $252,417 (8.2%) | 0.00 | 329 |
| 2018-09-01 | $231,066 (5.3%) | $254,006 (8.5%) | 0.00 | 318 |
| 2018-10-01 | $227,000 (3.3%) | $248,717 (4.1%) | 0.00 | 314 |
| 2018-11-01 | $220,000 (0.2%) | $243,284 (0.4%) | 0.00 | 317 |
| 2018-12-01 | $219,900 (-2.2%) | $243,756 (-1.0%) | 0.00 | 316 |
| 2019-01-01 | $219,950 (0.1%) | $241,384 (-1.0%) | 0.00 | 295 |
| 2019-02-01 | $218,123 (-0.8%) | $236,214 (-4.8%) | 0.00 | 305 |
| 2019-03-01 | $217,036 (-4.4%) | $236,679 (-4.1%) | 0.00 | 311 |
| 2019-04-01 | $215,375 (-6.2%) | $236,753 (-3.3%) | 0.00 | 325 |
| 2019-05-01 | $214,864 (-6.5%) | $237,635 (-3.8%) | 0.00 | 324 |
| 2019-06-01 | $213,900 (-7.0%) | $239,004 (-4.7%) | 0.00 | 317 |
| 2019-07-01 | $214,639 (-7.6%) | $245,040 (-3.4%) | 0.00 | 324 |
| 2019-08-01 | $219,545 (-3.9%) | $245,564 (-2.7%) | 0.00 | 307 |
| 2019-09-01 | $222,614 (-3.7%) | $246,009 (-3.2%) | 0.00 | 296 |
| 2019-10-01 | $224,975 (-0.9%) | $246,359 (-1.0%) | 0.00 | 283 |
| 2019-11-01 | $209,900 (-4.6%) | $241,352 (-0.8%) | 0.00 | 267 |
| 2019-12-01 | $205,625 (-6.5%) | $236,656 (-2.9%) | 0.00 | 258 |
| 2020-01-01 | $205,625 (-6.5%) | $235,682 (-2.4%) | 0.00 | 235 |
| 2020-02-01 | $209,000 (-4.2%) | $237,959 (0.7%) | 0.00 | 235 |
| 2020-03-01 | $214,950 (-1.0%) | $269,856 (14.0%) | 0.00 | 248 |
| 2020-04-01 | $205,000 (-4.8%) | $264,483 (11.7%) | 0.00 | 247 |
| 2020-05-01 | $210,000 (-2.3%) | $266,279 (12.1%) | 0.00 | 233 |
| 2020-06-01 | $214,175 (0.1%) | $270,724 (13.3%) | 0.00 | 221 |
| 2020-07-01 | $213,500 (-0.5%) | $262,611 (7.2%) | 0.00 | 203 |
| 2020-08-01 | $210,000 (-4.4%) | $250,599 (2.1%) | 0.00 | 180 |
| 2020-09-01 | $211,000 (-5.2%) | $247,241 (0.5%) | 0.00 | 168 |
| 2020-10-01 | $210,000 (-6.7%) | $258,851 (5.1%) | 0.00 | 177 |
| 2020-11-01 | $216,500 (3.1%) | $266,502 (10.4%) | 0.00 | 181 |
| 2020-12-01 | $215,000 (4.6%) | $267,490 (13.0%) | 0.00 | 170 |
| 2021-01-01 | $215,000 (4.6%) | $265,359 (12.6%) | 0.00 | 147 |
| 2021-02-01 | $209,600 (0.3%) | $270,756 (13.8%) | 0.00 | 138 |
| 2021-03-01 | $211,500 (-1.6%) | $308,644 (14.4%) | 0.00 | 127 |
| 2021-04-01 | $216,000 (5.4%) | $310,846 (17.5%) | 0.00 | 122 |
| 2021-05-01 | $225,000 (7.1%) | $331,832 (24.6%) | 0.00 | 116 |
| 2021-06-01 | $246,250 (15.0%) | $342,335 (26.5%) | 0.00 | 110 |
| 2021-07-01 | $264,681 (24.0%) | $340,740 (29.8%) | 0.00 | 111 |
| 2021-08-01 | $259,000 (23.3%) | $330,918 (32.1%) | 0.00 | 116 |
| 2021-09-01 | $246,006 (16.6%) | $283,883 (14.8%) | 0.00 | 108 |
| 2021-10-01 | $249,500 (18.8%) | $291,756 (12.7%) | 0.00 | 106 |
| 2021-11-01 | $235,000 (8.6%) | $285,649 (7.2%) | 0.00 | 128 |
| 2021-12-01 | $232,450 (8.1%) | $288,473 (7.8%) | 0.00 | 145 |
| 2022-01-01 | $229,500 (6.7%) | $298,722 (12.6%) | 0.00 | 136 |
| 2022-02-01 | $226,750 (8.2%) | $304,067 (12.3%) | 0.00 | 132 |
| 2022-03-01 | $214,700 (1.5%) | $317,451 (2.9%) | 0.00 | 129 |
| 2022-04-01 | $255,250 (18.2%) | $369,987 (19.0%) | 0.00 | 143 |
| 2022-05-01 | $273,750 (21.7%) | $375,652 (13.2%) | 0.00 | 157 |
| 2022-06-01 | $261,525 (6.2%) | $369,601 (8.0%) | 0.00 | 164 |
| 2022-07-01 | $275,000 (3.9%) | $354,303 (4.0%) | 0.00 | 188 |
| 2022-08-01 | $279,870 (8.1%) | $341,426 (3.2%) | 0.00 | 203 |
| 2022-09-01 | $270,120 (9.8%) | $315,627 (11.2%) | 0.00 | 199 |
| 2022-10-01 | $250,000 (0.2%) | $327,657 (12.3%) | 0.00 | 168 |
| 2022-11-01 | $250,000 (6.4%) | $325,539 (14.0%) | 0.00 | 177 |
| 2022-12-01 | $249,990 (7.6%) | $322,440 (11.8%) | 0.00 | 193 |
| 2023-01-01 | $247,990 (8.1%) | $320,995 (7.5%) | 0.00 | 188 |
| 2023-02-01 | $247,490 (9.2%) | $314,462 (3.4%) | 0.00 | 198 |
| 2023-03-01 | $249,998 (16.4%) | $320,477 (1.0%) | 0.00 | 190 |
| 2023-04-01 | $255,000 (-0.1%) | $321,616 (-13.1%) | 0.00 | 190 |
| 2023-05-01 | $275,000 (0.5%) | $331,670 (-11.7%) | 0.00 | 205 |
| 2023-06-01 | $276,463 (5.7%) | $338,445 (-8.4%) | 0.00 | 215 |
| 2023-07-01 | $289,000 (5.1%) | $347,118 (-2.0%) | 0.00 | 224 |
| 2023-08-01 | $283,475 (1.3%) | $343,762 (0.7%) | 0.00 | 226 |
| 2023-09-01 | $299,900 (11.0%) | $350,059 (10.9%) | 0.00 | 232 |
| 2023-10-01 | $287,495 (15.0%) | $348,466 (6.4%) | 0.00 | 227 |
| 2023-11-01 | $289,500 (15.8%) | $351,510 (8.0%) | 0.00 | 231 |
| 2023-12-01 | $285,919 (14.4%) | $352,647 (9.4%) | 0.00 | 228 |
| 2024-01-01 | $297,000 (19.8%) | $354,953 (10.6%) | 0.00 | 212 |
| 2024-02-01 | $299,044 (20.8%) | $356,089 (13.2%) | 0.00 | 218 |
| 2024-03-01 | $299,900 (20.0%) | $351,655 (9.7%) | 0.00 | 234 |
| 2024-04-01 | $299,697 (17.5%) | $359,910 (11.9%) | 0.00 | 238 |
| 2024-05-01 | $304,950 (10.9%) | $363,517 (9.6%) | 0.00 | 253 |
| 2024-06-01 | $315,990 (14.3%) | $372,934 (10.2%) | 0.00 | 265 |
| 2024-07-01 | $323,925 (12.1%) | $373,339 (7.6%) | 0.00 | 261 |
| 2024-08-01 | $325,000 (14.7%) | $375,378 (9.2%) | 0.00 | 247 |
| 2024-09-01 | $325,000 (8.4%) | $379,270 (8.3%) | 0.00 | 241 |
| 2024-10-01 | $325,000 (13.1%) | $379,242 (8.8%) | 0.00 | 238 |
| 2024-11-01 | $329,000 (13.6%) | $380,084 (8.1%) | 0.00 | 226 |
| 2024-12-01 | $321,225 (12.4%) | $379,459 (7.6%) | 0.00 | 222 |
| 2025-01-01 | $315,000 (6.1%) | $373,377 (5.2%) | 0.00 | 224 |
| 2025-02-01 | $324,919 (8.7%) | $377,733 (6.1%) | 0.00 | 238 |
Bay City's median listing price comes in at 0% of the national average.
Bay City's average listing price for 2025-02-01 was $377,733, a difference of $21,644 (6.1%) versus the prior year and $4,356 versus the prior month.
For the 2025-02-01 period, Bay City had 238 MLS listings, a difference of 14 listings (6%) versus the prior month and 20 listings (9%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Bay City (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 0 days | 1,493 sqft |
| 2018-02-01 | 0 days | 1,487 sqft |
| 2018-03-01 | 0 days | 1,488 sqft |
| 2018-04-01 | 0 days | 1,491 sqft |
| 2018-05-01 | 0 days | 1,510 sqft |
| 2018-06-01 | 0 days | 1,536 sqft |
| 2018-07-01 | 0 days | 1,581 sqft |
| 2018-08-01 | 0 days | 1,615 sqft |
| 2018-09-01 | 0 days | 1,620 sqft |
| 2018-10-01 | 0 days | 1,600 sqft |
| 2018-11-01 | 0 days | 1,607 sqft |
| 2018-12-01 | 0 days | 1,622 sqft |
| 2019-01-01 | 0 days | 1,596 sqft |
| 2019-02-01 | 0 days | 1,558 sqft |
| 2019-03-01 | 0 days | 1,539 sqft |
| 2019-04-01 | 0 days | 1,512 sqft |
| 2019-05-01 | 0 days | 1,510 sqft |
| 2019-06-01 | 0 days | 1,516 sqft |
| 2019-07-01 | 0 days | 1,524 sqft |
| 2019-08-01 | 0 days | 1,551 sqft |
| 2019-09-01 | 0 days | 1,573 sqft |
| 2019-10-01 | 0 days | 1,592 sqft |
| 2019-11-01 | 0 days | 1,620 sqft |
| 2019-12-01 | 0 days | 1,591 sqft |
| 2020-01-01 | 0 days | 1,589 sqft |
| 2020-02-01 | 0 days | 1,577 sqft |
| 2020-03-01 | 0 days | 1,575 sqft |
| 2020-04-01 | 0 days | 1,572 sqft |
| 2020-05-01 | 0 days | 1,568 sqft |
| 2020-06-01 | 0 days | 1,571 sqft |
| 2020-07-01 | 0 days | 1,559 sqft |
| 2020-08-01 | 0 days | 1,619 sqft |
| 2020-09-01 | 0 days | 1,585 sqft |
| 2020-10-01 | 0 days | 1,601 sqft |
| 2020-11-01 | 0 days | 1,623 sqft |
| 2020-12-01 | 0 days | 1,610 sqft |
| 2021-01-01 | 0 days | 1,599 sqft |
| 2021-02-01 | 0 days | 1,556 sqft |
| 2021-03-01 | 0 days | 1,558 sqft |
| 2021-04-01 | 0 days | 1,543 sqft |
| 2021-05-01 | 0 days | 1,549 sqft |
| 2021-06-01 | 0 days | 1,555 sqft |
| 2021-07-01 | 0 days | 1,537 sqft |
| 2021-08-01 | 0 days | 1,605 sqft |
| 2021-09-01 | 0 days | 1,569 sqft |
| 2021-10-01 | 0 days | 1,514 sqft |
| 2021-11-01 | 0 days | 1,451 sqft |
| 2021-12-01 | 0 days | 1,449 sqft |
| 2022-01-01 | 0 days | 1,485 sqft |
| 2022-02-01 | 0 days | 1,525 sqft |
| 2022-03-01 | 0 days | 1,462 sqft |
| 2022-04-01 | 0 days | 1,508 sqft |
| 2022-05-01 | 0 days | 1,560 sqft |
| 2022-06-01 | 0 days | 1,549 sqft |
| 2022-07-01 | 0 days | 1,579 sqft |
| 2022-08-01 | 0 days | 1,607 sqft |
| 2022-09-01 | 0 days | 1,621 sqft |
| 2022-10-01 | 0 days | 1,656 sqft |
| 2022-11-01 | 0 days | 1,624 sqft |
| 2022-12-01 | 0 days | 1,616 sqft |
| 2023-01-01 | 0 days | 1,618 sqft |
| 2023-02-01 | 0 days | 1,609 sqft |
| 2023-03-01 | 0 days | 1,608 sqft |
| 2023-04-01 | 0 days | 1,607 sqft |
| 2023-05-01 | 0 days | 1,579 sqft |
| 2023-06-01 | 0 days | 1,585 sqft |
| 2023-07-01 | 0 days | 1,624 sqft |
| 2023-08-01 | 0 days | 1,586 sqft |
| 2023-09-01 | 0 days | 1,630 sqft |
| 2023-10-01 | 0 days | 1,612 sqft |
| 2023-11-01 | 0 days | 1,606 sqft |
| 2023-12-01 | 0 days | 1,656 sqft |
| 2024-01-01 | 0 days | 1,624 sqft |
| 2024-02-01 | 0 days | 1,677 sqft |
| 2024-03-01 | 0 days | 1,674 sqft |
| 2024-04-01 | 0 days | 1,643 sqft |
| 2024-05-01 | 0 days | 1,634 sqft |
| 2024-06-01 | 0 days | 1,664 sqft |
| 2024-07-01 | 0 days | 1,698 sqft |
| 2024-08-01 | 0 days | 1,702 sqft |
| 2024-09-01 | 0 days | 1,742 sqft |
| 2024-10-01 | 0 days | 1,716 sqft |
| 2024-11-01 | 0 days | 1,674 sqft |
| 2024-12-01 | 0 days | 1,630 sqft |
| 2025-01-01 | 0 days | 1,598 sqft |
| 2025-02-01 | 0 days | 1,580 sqft |
Bay City's median square footage for active listings during the 2025-02-01 period was 1,580 sqft. One year prior, the average listing was 1,677 sqft.
Bay City, TX Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 312 | $77,380,000 | $248,013 |
| Cash Out Refi | 30 | $5,070,000 | $169,000 |
| Refi | 26 | $6,550,000 | $251,923 |
| Other | 17 | $1,715,000 | $100,882 |
| Home Improvement | 12 | $1,580,000 | $131,667 |
Bay City's most frequently cited loan purpose was Home Purchase, with 312 originations. The 2nd most popular reason was Cash Out Refi, with 30 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 7-8% | 133 | $26,745,000 | $201,090 |
| 6-7% | 131 | $28,615,000 | $218,435 |
| Over 8% | 53 | $20,305,000 | $383,113 |
| 5-6% | 44 | $8,780,000 | $199,545 |
| <2.5% | 9 | $45,000 | $5,000 |
| 4-5% | 7 | $1,765,000 | $252,143 |
During 2023, Bay City's most frequently originated rate bucket was 7-8%, with 133 originations.
Loan Sizing (Bay City, TX MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $100k-200k | 164 | $24,040,000 | $146,585 |
| $200k-400k | 142 | $38,430,000 | $270,634 |
| $100,000 or less | 60 | $3,530,000 | $58,833 |
| $400k-600k | 27 | $12,615,000 | $467,222 |
| $600k-1000k | 3 | $1,925,000 | $641,667 |
| $Over $1MM | 1 | $11,755,000 | $11,755,000 |
Bay City's loan sizing saw the bucket of loans from $100k-200k with 164 originations, totaling $24,040,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 184 | $38,220,000 | $207,717 |
| 60-80% | 112 | $36,260,000 | $323,750 |
| 20-40% | 26 | $2,570,000 | $98,846 |
| 40-60% | 24 | $5,680,000 | $236,667 |
| Under 20% | 15 | $355,000 | $23,667 |
| Over 100% | 13 | $2,985,000 | $229,615 |
Bay City's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 184 originations, totaling $38,220,000 in origination value.