Cordele 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 Cordele averaged 7.09% for the week of 2023-09-21, compared to the national average of 7.19% for the same period.

    The average rate for the prior week (2023-09-14) was 7.38% and one month ago for the week of 2023-08-17, the average rate was 6.99%.

    Cordele's average rate one year ago was 6.02%.

    For refis of the same type during the week of 2023-09-21, the average rate was 7.59%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2023-09-21 7.19%
    Cordele 30 Year Fixed Rate 2023-09-21 7.09%
    Cordele 30 Year Fixed Rate Refi 2023-09-21 7.59%
    Cordele 15 Year Fixed Rate 2023-09-21 6.44%
    Cordele 15 Year Fixed Rate Refi 2023-09-21 6.54%
    Cordele 30 Year FHA 2023-09-21 7.14%
    Cordele 30 Year FHA Refi 2023-09-21 7.24%
    Cordele 30 Year USDA 2023-09-21 6.92%
    Cordele 30 Year USDA Refi 2023-09-21 6.92%
    Cordele 30 Year VA 2023-09-21 6.72%
    Cordele 30 Year VA Refi 2023-09-21 6.82%
    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Cordele, GA.

    Cordele 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 Cordele, 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 2022 Avg. 30yFix Rate 2022 Avg. Closing Costs
    Capital City Home Loans, LLC 11 4.86% $4,716
    QUICKEN LOANS, LLC 8 5.42% $6,787
    Colony Bank 8 5.36% $4,999
    ACOPIA, LLC 4 5.81% $6,792
    South State Bank 4 5.28% $3,364
    Wells Fargo Bank 3 4.46% $6,255
    HOMESTAR FINANCIAL CORPORATION 3 5.67% $5,312
    PRIMELENDING, A PLAINSCAPITAL COMPANY 3 5.54% $6,034
    Renasant Bank 3 4.58% $4,409
    ROBINS FINANCIAL 2 4.25% $3,111
    UNITED WHOLESALE MORTGAGE, LLC 2 5.38% $11,927
    Ameris Bank 2 4.31% $3,807
    Mr. Cooper ( Nationstar Mortgage ) 2 4.81% $6,044
    Regions Bank 2 4.94% $3,097
    GUARANTY HOME MORTGAGE CORPORATION 2 5.06% $5,287
    Flagstar Bank, FSB 2 5.15% $2,859
    NFM, INC. 1 3.88% $7,507
    PENNYMAC LOAN SERVICES, LLC 1 5.50% $7,653
    PNC Bank 1 3.25% $2,497
    ANGEL OAK HOME LOANS LLC 1 3.38% $3,709
    AMERICAN FINANCING CORPORATION 1 5.88% $4,229
    SOUTHPOINT FINANCIAL SERVICES, INC. 1 4.88% $12,599
    STOCKTON MORTGAGE CORPORATION 1 4.75% $2,684
    Carrington Mortgage Services, LLC 1 3.38% $5,015
    Arvest Bank 1 7.63% $2,707
    Deere Employees Credit Union 1 4.25% $3,358
    GENEVA FINANCIAL, LLC 1 5.88% $5,633
    GUILD MORTGAGE COMPANY 1 3.38% $4,164
    HOMEBRIDGE FINANCIAL SERVICES, INC. 1 7.63% $5,354
    HOME POINT FINANCIAL CORPORATION 1 4.49% $4,472
    TOWNE MORTGAGE COMPANY 1 4.38% $2,862
    JPMorgan Chase Bank 1 7.49% $3,571

    Cordele Average Closing Costs & Other Stats

    Cordele, GA's 32 lenders originated 287 loans during 2022. The total origination value was $47,145,000, with an average loan value of $164,268.

    Cordele's average closing costs are $4,907.

    The top Cordele lender as defined by loan originations is Capital City Home Loans, LLC, with 11 loans originated. Their average total fees are $4,716, which is $2,071 lower than the next largest lender, QUICKEN LOANS, LLC.

    The lowest fee Cordele lenders (with over 10 loans originated) are Capital City Home Loans, LLC ($4,716), .

    The lowest rate Cordele lenders (with over 10 loans originated) are Capital City Home Loans, LLC (4.86%), .

    Cordele, 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 2021 Loan Value 2022 Loan Value % Change 2022 Market Share
    Colony Bank $3,110,000 $4,360,000 40.2% 9.2%
    QUICKEN LOANS, LLC $8,795,000 $4,210,000 -52.1% 8.9%
    Capital City Home Loans, LLC $3,240,000 $3,315,000 2.3% 7.0%
    ACOPIA, LLC $2,865,000 $2,145,000 -25.1% 4.5%
    Renasant Bank $155,000 $1,895,000 1,122.6% 4.0%
    PLANTERS FIRST BANK $1,535,000 $1,885,000 22.8% 4.0%
    GUARANTY HOME MORTGAGE CORPORATION $4,380,000 $1,560,000 -64.4% 3.3%
    Wells Fargo Bank $740,000 $1,530,000 106.8% 3.2%
    Mortgage Research Center, LLC $1,135,000 $1,465,000 29.1% 3.1%
    UNITED WHOLESALE MORTGAGE, LLC $1,355,000 $1,245,000 -8.1% 2.6%
    Flint Community Bank $355,000 $1,185,000 233.8% 2.5%
    Synovus Bank $1,905,000 $990,000 -48.0% 2.1%
    PRIMELENDING, A PLAINSCAPITAL COMPANY $690,000 $965,000 39.9% 2.0%
    Mr. Cooper ( Nationstar Mortgage ) $550,000 $890,000 61.8% 1.9%
    CALIBER HOME LOANS, INC. $485,000 $850,000 75.3% 1.8%
    Commercial Banking Company $850,000 n/a 1.8%
    Carrington Mortgage Services, LLC $785,000 n/a 1.7%
    GUILD MORTGAGE COMPANY $455,000 $725,000 59.3% 1.5%
    South State Bank $1,985,000 $685,000 -65.5% 1.5%
    Ameris Bank $3,290,000 $680,000 -79.3% 1.4%
    Citizens Community Bank $660,000 n/a 1.4%
    Regions Bank $1,335,000 $650,000 -51.3% 1.4%
    PENNYMAC LOAN SERVICES, LLC $1,105,000 $585,000 -47.1% 1.2%
    HOMESTAR FINANCIAL CORPORATION $385,000 $580,000 50.6% 1.2%
    NAVY FEDERAL CREDIT UNION $955,000 $540,000 -43.5% 1.1%
    PeoplesSouth Bank $1,350,000 $525,000 -61.1% 1.1%
    Paramount Residential Mortgage Group, Inc. $235,000 $505,000 114.9% 1.1%
    Flagstar Bank, FSB $1,320,000 $450,000 -65.9% 1.0%
    SOUTHWEST STAGE FUNDING, LLC $190,000 $395,000 107.9% 0.8%
    STOCKTON MORTGAGE CORPORATION $125,000 $385,000 208.0% 0.8%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $500,000 $380,000 -24.0% 0.8%
    ROBINS FINANCIAL $420,000 $360,000 -14.3% 0.8%
    TOWNE MORTGAGE COMPANY $490,000 $350,000 -28.6% 0.7%
    CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $305,000 $345,000 13.1% 0.7%
    GUARANTEED RATE, INC. $325,000 n/a 0.7%
    U.S. Bank $320,000 n/a 0.7%
    HOME POINT FINANCIAL CORPORATION $310,000 n/a 0.7%
    SOUTHPOINT FINANCIAL SERVICES, INC. $305,000 n/a 0.6%
    CROSSCOUNTRY MORTGAGE, LLC $145,000 $275,000 89.7% 0.6%
    First Federal Bank $430,000 $265,000 -38.4% 0.6%
    Thomasville National Bank $255,000 n/a 0.5%
    ATLANTIC BAY MORTGAGE GROUP, L.L.C. $245,000 n/a 0.5%
    FREEDOM MORTGAGE CORPORATION $1,010,000 $240,000 -76.2% 0.5%
    JPMorgan Chase Bank $440,000 $240,000 -45.5% 0.5%
    HOMEBRIDGE FINANCIAL SERVICES, INC. $215,000 n/a 0.5%
    MLD MORTGAGE INC. $215,000 n/a 0.5%
    NFM, INC. $215,000 n/a 0.5%
    Third Federal Savings and Loan Association of Cleveland $205,000 n/a 0.4%
    NEWREZ LLC $570,000 $200,000 -64.9% 0.4%
    ANGEL OAK HOME LOANS LLC $660,000 $195,000 -70.5% 0.4%
    Deere Employees Credit Union $185,000 n/a 0.4%
    TRIAD FINANCIAL SERVICES, INC. $200,000 $185,000 -7.5% 0.4%
    GENEVA FINANCIAL, LLC $315,000 $175,000 -44.4% 0.4%
    PRIMARY RESIDENTIAL MORTGAGE, INC. $155,000 n/a 0.3%
    Bank of America $215,000 $145,000 -32.6% 0.3%
    Equity Prime Mortgage LLC $145,000 n/a 0.3%
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. $145,000 n/a 0.3%
    First Option Mortgage, LLC $810,000 $125,000 -84.6% 0.3%
    RELIANCE FIRST CAPITAL, LLC $125,000 n/a 0.3%
    M&T Bank $105,000 n/a 0.2%
    USAA Federal Savings Bank $300,000 $105,000 -65.0% 0.2%
    First State Bank of Blakely, Inc. $95,000 $100,000 5.3% 0.2%
    21ST MORTGAGE CORPORATION $1,020,000 $85,000 -91.7% 0.2%
    CHURCHILL MORTGAGE CORPORATION $85,000 n/a 0.2%
    GEORGIA'S OWN $85,000 n/a 0.2%
    LOANDEPOT.COM, LLC $1,045,000 $85,000 -91.9% 0.2%
    PNC Bank $85,000 n/a 0.2%
    AMERICAN ADVISORS GROUP $275,000 $55,000 -80.0% 0.1%
    AMERICAN FINANCING CORPORATION $255,000 $55,000 -78.4% 0.1%
    RUOFF MORTGAGE COMPANY, INC. $55,000 n/a 0.1%
    BROKER SOLUTIONS, INC. $585,000 $45,000 -92.3% 0.1%
    Discover Bank $45,000 n/a 0.1%
    Arvest Bank $155,000 $35,000 -77.4% 0.1%
    1st Franklin Financial Corporation $70,000 $25,000 -64.3% 0.1%
    Georgia Banking Company $20,000 n/a 0.0%
    Associated Credit Union $15,000 n/a 0.0%

    Cordele's top lender by overall market share is Colony Bank, with 9.2% market share. In second place, with 8.9%, is QUICKEN LOANS, LLC, having originated $4,210,000 in loans. In third place, with 7.0%, is Capital City Home Loans, LLC, having originated $3,315,000 in loans. In fourth place, with 4.5%, is ACOPIA, LLC, having originated $2,145,000 in loans. In fifth place, with 4.0%, is Renasant Bank, having originated $1,895,000 in loans.

    Cordele Housing Market Trends (Median, Average Prices & Listing Count)

    Realtor.com - Cordele (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 $223,625 (24.6%) $263,131 (2.5%) 0.00 87
    2018-02-01 $223,750 (24.5%) $262,769 (2.4%) 0.00 87
    2018-03-01 $217,500 (12.3%) $260,566 (0.1%) 0.00 93
    2018-04-01 $222,000 (14.7%) $255,838 (0.8%) 0.00 107
    2018-05-01 $233,500 (22.6%) $261,275 (3.3%) 0.00 109
    2018-06-01 $229,900 (19.7%) $255,244 (0.0%) 0.00 111
    2018-07-01 $229,725 (15.4%) $259,125 (-3.1%) 0.00 115
    2018-08-01 $218,250 (-0.6%) $257,049 (-4.4%) 0.00 119
    2018-09-01 $212,449 (-1.2%) $262,516 (-2.3%) 0.00 124
    2018-10-01 $206,975 (-8.7%) $258,955 (-6.0%) 0.00 119
    2018-11-01 $198,500 (-11.1%) $248,005 (-7.8%) 0.00 112
    2018-12-01 $198,250 (-12.8%) $247,569 (-8.3%) 0.00 112
    2019-01-01 $223,050 (-0.3%) $273,925 (4.1%) 0.00 92
    2019-02-01 $222,600 (-0.5%) $271,018 (3.1%) 0.00 98
    2019-03-01 $225,429 (3.7%) $272,338 (4.5%) 0.00 96
    2019-04-01 $209,554 (-5.6%) $262,527 (2.6%) 0.00 94
    2019-05-01 $218,875 (-6.3%) $269,137 (3.0%) 0.00 90
    2019-06-01 $235,000 (2.2%) $274,355 (7.5%) 0.00 85
    2019-07-01 $232,500 (1.2%) $273,072 (5.4%) 0.00 85
    2019-08-01 $200,395 (-8.2%) $260,261 (1.3%) 0.00 80
    2019-09-01 $178,489 (-16.0%) $244,381 (-6.9%) 0.00 77
    2019-10-01 $161,450 (-22.0%) $233,299 (-9.9%) 0.00 72
    2019-11-01 $179,000 (-9.8%) $232,029 (-6.4%) 0.00 73
    2019-12-01 $179,000 (-9.7%) $236,909 (-4.3%) 0.00 75
    2020-01-01 $187,250 (-16.1%) $244,363 (-10.8%) 0.00 77
    2020-02-01 $217,500 (-2.3%) $260,207 (-4.0%) 0.00 75
    2020-03-01 $225,000 (-0.2%) $268,006 (-1.6%) 0.00 72
    2020-04-01 $213,750 (2.0%) $262,283 (-0.1%) 0.00 72
    2020-05-01 $210,000 (-4.1%) $261,485 (-2.8%) 0.00 71
    2020-06-01 $169,000 (-28.1%) $265,381 (-3.3%) 0.00 69
    2020-07-01 $194,500 (-16.3%) $277,740 (1.7%) 0.00 64
    2020-08-01 $195,000 (-2.7%) $288,113 (10.7%) 0.00 61
    2020-09-01 $250,000 (40.1%) $306,773 (25.5%) 0.00 61
    2020-10-01 $250,000 (54.9%) $313,256 (34.3%) 0.00 57
    2020-11-01 $258,500 (44.4%) $324,480 (39.8%) 0.00 46
    2020-12-01 $269,000 (50.3%) $336,049 (41.9%) 0.00 49
    2021-01-01 $255,000 (36.2%) $315,757 (29.2%) 0.00 46
    2021-02-01 $247,400 (13.8%) $289,457 (11.2%) 0.00 39
    2021-03-01 $228,725 (1.7%) $300,633 (12.2%) 0.00 42
    2021-04-01 $247,500 (15.8%) $323,676 (23.4%) 0.00 38
    2021-05-01 $233,400 (11.1%) $299,633 (14.6%) 0.00 33
    2021-06-01 $259,000 (53.3%) $310,648 (17.1%) 0.00 34
    2021-07-01 $260,000 (33.7%) $323,231 (16.4%) 0.00 37
    2021-08-01 $246,250 (26.3%) $343,089 (19.1%) 0.00 40
    2021-09-01 $254,500 (1.8%) $337,220 (9.9%) 0.00 38
    2021-10-01 $247,000 (-1.2%) $334,005 (6.6%) 0.00 42
    2021-11-01 $243,000 (-6.0%) $307,639 (-5.2%) 0.00 36
    2021-12-01 $175,000 (-34.9%) $287,501 (-14.5%) 0.00 31
    2022-01-01 $207,250 (-18.7%) $303,623 (-3.8%) 0.00 22
    2022-02-01 $189,250 (-23.5%) $279,575 (-3.4%) 0.00 22
    2022-03-01 $179,000 (-21.7%) $269,153 (-10.5%) 0.00 25
    2022-04-01 $235,000 (-5.1%) $268,955 (-16.9%) 0.00 21
    2022-05-01 $242,225 (3.8%) $297,564 (-0.7%) 0.00 32
    2022-06-01 $273,125 (5.5%) $364,115 (17.2%) 0.00 29
    2022-07-01 $254,000 (-2.3%) $329,923 (2.1%) 0.00 28
    2022-08-01 $254,000 (3.2%) $347,816 (1.4%) 0.00 33
    2022-09-01 $211,250 (-17.0%) $351,660 (4.3%) 0.00 35
    2022-10-01 $264,000 (6.9%) $397,053 (18.9%) 0.00 37
    2022-11-01 $245,250 (0.9%) $350,481 (13.9%) 0.00 48
    2022-12-01 $189,000 (8.0%) $367,780 (27.9%) 0.00 43
    2023-01-01 $275,750 (33.1%) $387,260 (27.6%) 0.00 49
    2023-02-01 $297,500 (57.2%) $384,077 (37.4%) 0.00 49
    2023-03-01 $320,000 (78.8%) $390,757 (45.2%) 0.00 49
    2023-04-01 $307,500 (30.9%) $373,971 (39.1%) 0.00 50
    2023-05-01 $288,225 (19.0%) $377,483 (26.9%) 0.00 49
    2023-06-01 $326,250 (19.5%) $406,854 (11.7%) 0.00 44
    2023-07-01 $315,000 (24.0%) $396,959 (20.3%) 0.00 49
    2023-08-01 $287,000 (13.0%) $386,972 (11.3%) 0.00 46
    Cordele's median listing price for 2023-08-01 was $287,000, a difference of $33,000 (13.0%) versus the prior year and $-28,000 versus the prior month.

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

    Cordele's average listing price for 2023-08-01 was $386,972, a difference of $39,156 (11.3%) versus the prior year and $-9,987 versus the prior month.

    For the 2023-08-01 period, Cordele had 46 MLS listings, a difference of -3 listings (-6%) versus the prior month and 13 listings (39%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Cordele (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 2,543 sqft
    2018-02-01 0 days 2,557 sqft
    2018-03-01 0 days 2,332 sqft
    2018-04-01 0 days 2,441 sqft
    2018-05-01 0 days 2,578 sqft
    2018-06-01 0 days 2,369 sqft
    2018-07-01 0 days 2,476 sqft
    2018-08-01 0 days 2,386 sqft
    2018-09-01 0 days 2,496 sqft
    2018-10-01 0 days 2,480 sqft
    2018-11-01 0 days 2,281 sqft
    2018-12-01 0 days 2,369 sqft
    2019-01-01 0 days 2,504 sqft
    2019-02-01 0 days 2,488 sqft
    2019-03-01 0 days 2,422 sqft
    2019-04-01 0 days 2,324 sqft
    2019-05-01 0 days 2,471 sqft
    2019-06-01 0 days 2,444 sqft
    2019-07-01 0 days 2,444 sqft
    2019-08-01 0 days 2,352 sqft
    2019-09-01 0 days 2,279 sqft
    2019-10-01 0 days 2,240 sqft
    2019-11-01 0 days 2,302 sqft
    2019-12-01 0 days 2,302 sqft
    2020-01-01 0 days 2,423 sqft
    2020-02-01 0 days 2,527 sqft
    2020-03-01 0 days 2,262 sqft
    2020-04-01 0 days 2,368 sqft
    2020-05-01 0 days 2,420 sqft
    2020-06-01 0 days 2,609 sqft
    2020-07-01 0 days 2,693 sqft
    2020-08-01 0 days 3,394 sqft
    2020-09-01 0 days 3,310 sqft
    2020-10-01 0 days 3,193 sqft
    2020-11-01 0 days 3,187 sqft
    2020-12-01 0 days 3,298 sqft
    2021-01-01 0 days 2,763 sqft
    2021-02-01 0 days 2,656 sqft
    2021-03-01 0 days 2,589 sqft
    2021-04-01 0 days 2,869 sqft
    2021-05-01 0 days 2,791 sqft
    2021-06-01 0 days 2,685 sqft
    2021-07-01 0 days 2,461 sqft
    2021-08-01 0 days 2,145 sqft
    2021-09-01 0 days 1,981 sqft
    2021-10-01 0 days 1,980 sqft
    2021-11-01 0 days 1,983 sqft
    2021-12-01 0 days 2,003 sqft
    2022-01-01 0 days 2,080 sqft
    2022-02-01 0 days 2,133 sqft
    2022-03-01 0 days 2,072 sqft
    2022-04-01 0 days 1,973 sqft
    2022-05-01 0 days 2,627 sqft
    2022-06-01 0 days 2,890 sqft
    2022-07-01 0 days 2,372 sqft
    2022-08-01 0 days 2,313 sqft
    2022-09-01 0 days 1,978 sqft
    2022-10-01 0 days 1,911 sqft
    2022-11-01 0 days 1,737 sqft
    2022-12-01 0 days 1,697 sqft
    2023-01-01 0 days 1,747 sqft
    2023-02-01 0 days 1,824 sqft
    2023-03-01 0 days 1,752 sqft
    2023-04-01 0 days 1,765 sqft
    2023-05-01 0 days 1,846 sqft
    2023-06-01 0 days 2,005 sqft
    2023-07-01 0 days 2,021 sqft
    2023-08-01 0 days 2,031 sqft
    Cordele's median listing age (time on market) for 2023-08-01 was 0 days.

    Cordele's median square footage for active listings during the 2023-08-01 period was 2,031 sqft. One year prior, the average listing was 2,313 sqft.

    Cordele, GA Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 155 $28,175,000 $181,774
    Refi 62 $9,780,000 $157,742
    Cash Out Refi 49 $7,175,000 $146,429
    Home Improvement 12 $1,360,000 $113,333
    Other 9 $655,000 $72,778

    Cordele's most frequently cited loan purpose was Home Purchase, with 155 originations. The 2nd most popular reason was Refi, with 62 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    5-6% 62 $10,650,000 $171,774
    4-5% 56 $10,230,000 $182,679
    3-4% 51 $9,705,000 $190,294
    6-7% 31 $5,655,000 $182,419
    2.5-3% 16 $2,260,000 $141,250
    Over 8% 13 $565,000 $43,462
    7-8% 6 $980,000 $163,333
    <2.5% 6 $470,000 $78,333

    During 2022, Cordele's most frequently originated rate bucket was 5-6%, with 62 originations.

    Loan Sizing (Cordele, GA MSA)

    Loan Size Originations Total Value Average Loan
    $100k-200k 106 $15,660,000 $147,736
    $100,000 or less 98 $5,210,000 $53,163
    $200k-400k 67 $17,805,000 $265,746
    $400k-600k 13 $6,415,000 $493,462
    $600k-1000k 3 $2,055,000 $685,000

    Cordele's loan sizing saw the bucket of loans from $100k-200k with 106 originations, totaling $15,660,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 112 $19,770,000 $176,518
    60-80% 65 $12,065,000 $185,615
    40-60% 27 $5,345,000 $197,963
    20-40% 19 $2,435,000 $128,158
    Under 20% 16 $370,000 $23,125
    Over 100% 3 $665,000 $221,667

    Cordele's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 112 originations, totaling $19,770,000 in origination value.