Bay City 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 Bay City averaged 6.68% for the week of 2025-04-10, compared to the national average of 6.62% for the same period.

    The average rate for the prior week (2025-04-03) was 6.6% and one month ago for the week of 2025-03-06, the average rate was 6.79%.

    Bay City's average rate one year ago was 6.68%.

    For refis of the same type during the week of 2025-04-10, the average rate was 6.52%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2025-04-10 6.62%
    Bay City 30 Year Fixed Rate 2025-04-10 6.68%
    Bay City 30 Year Fixed Rate Refi 2025-04-10 6.52%
    Bay City 15 Year Fixed Rate 2025-04-10 6.02%
    Bay City 15 Year Fixed Rate Refi 2025-04-10 6.32%
    Bay City 30 Year FHA 2025-04-10 6.4%
    Bay City 30 Year FHA Refi 2025-04-10 6.63%
    Bay City 30 Year USDA 2025-04-10 6.25%
    Bay City 30 Year USDA Refi 2025-04-10 6.65%
    Bay City 30 Year VA 2025-04-10 6.49%
    Bay City 30 Year VA Refi 2025-04-10 6.09%
    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Bay City, TX.

    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.).

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    Gateway First Bank 22 7.06% $6,139
    TEXAS DOW EMPLOYEES CREDIT UNION 17 7.71% $3,601
    QUICKEN LOANS, LLC 12 6.82% $8,413
    EAGLE HOME MORTGAGE, LLC 11 4.90% $4,312
    SOUTHWEST FUNDING, LP 8 7.27% $7,203
    Prosperity Bank 7 6.66% $4,158
    UNITED WHOLESALE MORTGAGE, LLC 5 6.65% $6,090
    JPMorgan Chase Bank 4 6.37% $5,241
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 3 6.82% $5,714
    BancorpSouth 3 7.13% $6,891
    HOMESIDE FINANCIAL, LLC 3 6.63% $5,051
    Wells Fargo Bank 3 6.13% $4,730
    V.I.P. MORTGAGE, INC. 3 6.75% $6,767
    MID AMERICA MORTGAGE, INC. 2 7.88% $13,131
    BROKER SOLUTIONS, INC. 2 6.94% $8,481
    CALCON MUTUAL MORTGAGE LLC 2 7.44% $15,123
    Farm Credit Mid-America, ACA 2 7.06% $9,671
    First Financial Bank 2 7.13% $4,487
    Flagstar Bank, FSB 2 6.81% $4,180
    GUILD MORTGAGE COMPANY 2 6.63% $6,654
    HOMETRUST MORTGAGE COMPANY 2 7.06% $5,765
    HOMEWAY MORTGAGE LLC 2 7.38% $4,451
    21ST MORTGAGE CORPORATION 2 8.10% $6,464
    Mr. Cooper ( Nationstar Mortgage ) 2 7.31% $7,994
    Home Federal Bank 1 6.63% $2,557
    CROSSCOUNTRY MORTGAGE, LLC 1 6.95% $6,953
    AmeriHome Mortgage Company, LLC 1 7.38% $4,482
    Wallick & Volk, Inc. 1 6.63% $10,160
    CMG MORTGAGE, INC. 1 6.50% $4,962
    LEGEND LENDING CORPORATION 1 8.13% $4,348
    LOANDEPOT.COM, LLC 1 7.63% $8,406
    LOANPEOPLE, LLC 1 6.99% $16,924
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 1 6.13% $7,793
    Zions Bank 1 7.50% $6,748
    NEWREZ LLC 1 7.38% $4,004
    NexBank 1 7.13% $12,458
    Paramount Residential Mortgage Group, Inc. 1 6.88% $12,639
    PILGRIM MORTGAGE LLC 1 6.12% $4,773
    PRIMELENDING, A PLAINSCAPITAL COMPANY 1 5.38% $4,899
    CITY FIRST MORTGAGE SERVICES, L.L.C. 1 7.63% $7,111
    PROVIDENT FUNDING ASSOCIATES, L.P. 1 6.38% $4,041
    CARDINAL FINANCIAL 1 5.99% $4,935
    Servion, Inc. 1 6.88% $5,728
    Sierra Pacific Mortgage Company, Inc. 1 7.63% $7,310
    EUSTIS AND AMERICAN MORTGAGE COMPANY 1 6.88% $11,001
    BETTER MORTGAGE CORPORATION 1 6.50% $8,598
    Barrington Bank & Trust Company, N.A. 1 7.13% $4,583
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 6.38% $2,050
    DEEPHAVEN MORTGAGE LLC 1 7.25% $7,019
    GUARANTEED RATE, INC. 1 6.55% $2,572
    U.S. Bank 1 6.63% $12,057
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 1 7.50% $5,315

    Bay City Average Closing Costs & Other Stats

    Bay City, TX's 52 lenders originated 386 loans during 2024. The total origination value was $85,560,000, with an average loan value of $221,658.

    Bay City's average closing costs are $6,073.

    The top Bay City lender as defined by loan originations is Gateway First Bank, with 22 loans originated. Their average total fees are $6,139, which is $2,538 higher than the next largest lender, TEXAS DOW EMPLOYEES CREDIT UNION.

    The lowest fee Bay City lenders (with over 10 loans originated) are TEXAS DOW EMPLOYEES CREDIT UNION ($3,601), EAGLE HOME MORTGAGE, LLC ($4,312), Gateway First Bank ($6,139), QUICKEN LOANS, LLC ($8,413) and .

    The lowest rate Bay City lenders (with over 10 loans originated) are EAGLE HOME MORTGAGE, LLC (4.90%), QUICKEN LOANS, LLC (6.82%), Gateway First Bank (7.06%), TEXAS DOW EMPLOYEES CREDIT UNION (7.71%) and .

    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 2023 Loan Value 2024 Loan Value % Change 2024 Market Share
    Gateway First Bank $8,420,000 $10,275,000 22.0% 12.0%
    SOUTHWEST FUNDING, LP $6,605,000 n/a 7.7%
    QUICKEN LOANS, LLC $4,765,000 $5,145,000 8.0% 6.0%
    PlainsCapital Bank $4,855,000 n/a 5.7%
    TEXAS DOW EMPLOYEES CREDIT UNION $3,710,000 $3,990,000 7.5% 4.7%
    UNITED WHOLESALE MORTGAGE, LLC $2,825,000 $3,890,000 37.7% 4.5%
    Prosperity Bank $5,355,000 $3,790,000 -29.2% 4.4%
    EAGLE HOME MORTGAGE, LLC $2,740,000 n/a 3.2%
    Mortgage Research Center, LLC $3,615,000 $1,865,000 -48.4% 2.2%
    21ST MORTGAGE CORPORATION $1,725,000 $1,700,000 -1.4% 2.0%
    Wells Fargo Bank $950,000 $1,525,000 60.5% 1.8%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $2,465,000 $1,335,000 -45.8% 1.6%
    GUILD MORTGAGE COMPANY $600,000 $1,235,000 105.8% 1.4%
    FIRST STATE BANK $1,815,000 $1,220,000 -32.8% 1.4%
    V.I.P. MORTGAGE, INC. $1,150,000 n/a 1.3%
    BancorpSouth $670,000 $1,135,000 69.4% 1.3%
    Newfirst National Bank $915,000 $1,035,000 13.1% 1.2%
    JPMorgan Chase Bank $880,000 $1,025,000 16.5% 1.2%
    Traditions Bank $955,000 n/a 1.1%
    CAPITAL BANK $915,000 n/a 1.1%
    CMG MORTGAGE, INC. $395,000 $855,000 116.5% 1.0%
    First Financial Bank $1,420,000 $785,000 -44.7% 0.9%
    EUSTIS AND AMERICAN MORTGAGE COMPANY $1,220,000 $775,000 -36.5% 0.9%
    Flagstar Bank, FSB $1,100,000 $770,000 -30.0% 0.9%
    CALCON MUTUAL MORTGAGE LLC $750,000 n/a 0.9%
    ARK-LA-TEX FINANCIAL SERVICES, LLC. $555,000 $745,000 34.2% 0.9%
    Equity Prime Mortgage LLC $540,000 $725,000 34.3% 0.8%
    BROKER SOLUTIONS, INC. $145,000 $655,000 351.7% 0.8%
    Farm Credit Mid-America, ACA $620,000 n/a 0.7%
    MOVEMENT MORTGAGE, LLC $605,000 n/a 0.7%
    PILGRIM MORTGAGE LLC $590,000 n/a 0.7%
    NATIONS RELIABLE LENDING, LLC $390,000 $560,000 43.6% 0.7%
    Mr. Cooper ( Nationstar Mortgage ) $685,000 $555,000 -19.0% 0.6%
    LOANDEPOT.COM, LLC $795,000 $530,000 -33.3% 0.6%
    Citizens State Bank $975,000 $525,000 -46.2% 0.6%
    FREEDOM MORTGAGE CORPORATION $520,000 n/a 0.6%
    LOANPEOPLE, LLC $105,000 $515,000 390.5% 0.6%
    MidFirst Bank $495,000 n/a 0.6%
    MID AMERICA MORTGAGE, INC. $610,000 $480,000 -21.3% 0.6%
    VILLAGE CAPITAL MORTGAGE $470,000 n/a 0.5%
    PRIMELENDING, A PLAINSCAPITAL COMPANY $575,000 $465,000 -19.1% 0.5%
    Guaranty Bank & Trust, N.A. $365,000 $445,000 21.9% 0.5%
    Wallick & Volk, Inc. $225,000 $410,000 82.2% 0.5%
    NAVY FEDERAL CREDIT UNION $840,000 $405,000 -51.8% 0.5%
    Carrington Mortgage Services, LLC $390,000 n/a 0.5%
    EVERETT FINANCIAL, INC. $710,000 $390,000 -45.1% 0.5%
    HOMETRUST MORTGAGE COMPANY $390,000 n/a 0.5%
    HOMESIDE FINANCIAL, LLC $385,000 n/a 0.4%
    UNITED BUILT HOMES, L.L.C. $385,000 n/a 0.4%
    S1L, Inc. $275,000 $375,000 36.4% 0.4%
    AMERICAN FINANCIAL RESOURCES, INC. $105,000 $355,000 238.1% 0.4%
    SOUTHWEST STAGE FUNDING, LLC $795,000 $350,000 -56.0% 0.4%
    AMERITRUST MORTGAGE CORPORATION $345,000 n/a 0.4%
    Prosperity Home Mortgage, LLC $345,000 n/a 0.4%
    U.S. Bank $245,000 $345,000 40.8% 0.4%
    NEWREZ LLC $75,000 $340,000 353.3% 0.4%
    VANDERBILT MORTGAGE AND FINANCE, INC. $225,000 $340,000 51.1% 0.4%
    Crossroads Bank $335,000 n/a 0.4%
    Texas Gulf Bank $325,000 n/a 0.4%
    CITY FIRST MORTGAGE SERVICES, L.L.C. $550,000 $305,000 -44.5% 0.4%
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. $265,000 $305,000 15.1% 0.4%
    Plains Commerce Bank $285,000 n/a 0.3%
    TRIAD FINANCIAL SERVICES, INC. $320,000 $285,000 -10.9% 0.3%
    Sierra Pacific Mortgage Company, Inc. $275,000 n/a 0.3%
    HOMEWAY MORTGAGE LLC $270,000 n/a 0.3%
    USAA Federal Savings Bank $395,000 $265,000 -32.9% 0.3%
    Barrington Bank & Trust Company, N.A. $255,000 n/a 0.3%
    LEGEND LENDING CORPORATION $255,000 n/a 0.3%
    The First National Bank of Bastrop $255,000 n/a 0.3%
    CROSSCOUNTRY MORTGAGE, LLC $615,000 $225,000 -63.4% 0.3%
    Paramount Residential Mortgage Group, Inc. $225,000 n/a 0.3%
    PROVIDENT FUNDING ASSOCIATES, L.P. $225,000 n/a 0.3%
    Round Top State Bank $225,000 n/a 0.3%
    MORTGAGE SOLUTIONS OF COLORADO, LLC $215,000 n/a 0.3%
    NexBank $380,000 $215,000 -43.4% 0.3%
    DEEPHAVEN MORTGAGE LLC $205,000 n/a 0.2%
    Liberty National Bank $425,000 $205,000 -51.8% 0.2%
    RF Renovo Management Company, LLC $205,000 n/a 0.2%
    COUNTRYPLACE MORTGAGE, LTD. $650,000 $200,000 -69.2% 0.2%
    CAPITAL CONCEPTS, INC. $195,000 n/a 0.2%
    First-Citizens Bank & Trust Company $195,000 n/a 0.2%
    FIRST COMMUNITY MORTGAGE, INC. $195,000 n/a 0.2%
    Home Federal Bank $195,000 n/a 0.2%
    HOMEXPRESS MORTGAGE CORP. $195,000 n/a 0.2%
    Frost Bank $185,000 n/a 0.2%
    Network Funding, L.P. $1,095,000 $185,000 -83.1% 0.2%
    Servion, Inc. $175,000 n/a 0.2%
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $165,000 n/a 0.2%
    BETTER MORTGAGE CORPORATION $375,000 $165,000 -56.0% 0.2%
    SECURITYNATIONAL MORTGAGE COMPANY $765,000 $165,000 -78.4% 0.2%
    Bank of America $230,000 $160,000 -30.4% 0.2%
    Zions Bank $545,000 $145,000 -73.4% 0.2%
    212 LOANS, LLC. $125,000 $135,000 8.0% 0.2%
    AmeriHome Mortgage Company, LLC $135,000 n/a 0.2%
    GUARANTEED RATE, INC. $290,000 $135,000 -53.4% 0.2%
    Century Mortgage Company DBA Century Lending Company $115,000 $115,000 0.0% 0.1%
    MUTUAL OF OMAHA MORTGAGE, INC. $115,000 n/a 0.1%
    RANDOLPH-BROOKS $320,000 $105,000 -67.2% 0.1%
    FINANCE OF AMERICA REVERSE LLC $200,000 $85,000 -57.5% 0.1%
    FirstBank $85,000 n/a 0.1%
    CARDINAL FINANCIAL $75,000 n/a 0.1%
    SHELL FEDERAL CREDIT UNION $65,000 n/a 0.1%
    FIRST SERVICE Credit Union $545,000 $35,000 -93.6% 0.0%

    Bay City's top lender by overall market share is Gateway First Bank, with 12.0% market share. In second place, with 7.7%, is SOUTHWEST FUNDING, LP, having originated $6,605,000 in loans. In third place, with 6.0%, is QUICKEN LOANS, LLC, having originated $5,145,000 in loans. In fourth place, with 5.7%, is PlainsCapital Bank, having originated $4,855,000 in loans. In fifth place, with 4.7%, is TEXAS DOW EMPLOYEES CREDIT UNION, having originated $3,990,000 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
    2025-03-01 $325,000 (8.4%) $377,392 (7.3%) 0.00 264
    Bay City's median listing price for 2025-03-01 was $325,000, a difference of $25,100 (8.4%) versus the prior year and $81 versus the prior month.

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

    Bay City's average listing price for 2025-03-01 was $377,392, a difference of $25,737 (7.3%) versus the prior year and $-341 versus the prior month.

    For the 2025-03-01 period, Bay City had 264 MLS listings, a difference of 26 listings (11%) versus the prior month and 30 listings (13%) 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
    2025-03-01 0 days 1,510 sqft
    Bay City's median listing age (time on market) for 2025-03-01 was 0 days.

    Bay City's median square footage for active listings during the 2025-03-01 period was 1,510 sqft. One year prior, the average listing was 1,674 sqft.

    Bay City, TX Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 285 $64,925,000 $227,807
    Refi 45 $10,815,000 $240,333
    Cash Out Refi 30 $6,240,000 $208,000
    Other 16 $2,200,000 $137,500
    Home Improvement 10 $1,380,000 $138,000

    Bay City's most frequently cited loan purpose was Home Purchase, with 285 originations. The 2nd most popular reason was Refi, with 45 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    6-7% 165 $37,565,000 $227,667
    7-8% 85 $17,655,000 $207,706
    Over 8% 60 $8,000,000 $133,333
    5-6% 36 $7,820,000 $217,222
    4-5% 13 $2,645,000 $203,462
    <2.5% 7 $325,000 $46,429
    3-4% 2 $410,000 $205,000

    During 2024, Bay City's most frequently originated rate bucket was 6-7%, with 165 originations.

    Loan Sizing (Bay City, TX MSA)

    Loan Size Originations Total Value Average Loan
    $200k-400k 164 $42,930,000 $261,768
    $100k-200k 155 $24,005,000 $154,871
    $100,000 or less 45 $2,565,000 $57,000
    $400k-600k 19 $9,335,000 $491,316
    $600k-1000k 2 $1,870,000 $935,000
    $Over $1MM 1 $4,855,000 $4,855,000

    Bay City's loan sizing saw the bucket of loans from $200k-400k with 164 originations, totaling $42,930,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 199 $43,505,000 $218,618
    60-80% 96 $20,430,000 $212,813
    40-60% 32 $5,850,000 $182,813
    Under 20% 14 $220,000 $15,714
    20-40% 12 $1,560,000 $130,000
    Over 100% 10 $1,850,000 $185,000

    Bay City's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 199 originations, totaling $43,505,000 in origination value.