Milledgeville Mortgage Rates

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

30 Year Fixed Rate mortgages in Milledgeville averaged 6.24% for the week of 2022-06-23, compared to the national average of 5.81% for the same period.

The average rate for the prior week (2022-06-16) was 6.21% and one month ago for the week of 2022-05-19, the average rate was 5.48%.

Milledgeville's average rate one year ago was 2.95%.

For refis of the same type during the week of 2022-06-23, the average rate was 5.92%.

Loan Type Date Rate
US 30 Year Fixed Rate 2022-06-23 5.81%
Milledgeville 30 Year Fixed Rate 2022-06-23 6.24%
Milledgeville 30 Year Fixed Rate Refi 2022-06-23 5.92%
Milledgeville 15 Year Fixed Rate 2022-06-23 4.83%
Milledgeville 15 Year Fixed Rate Refi 2022-06-23 5.26%
Milledgeville 30 Year FHA 2022-06-23 0.16%
Milledgeville 30 Year FHA Refi 2022-06-23 -0.1%
Milledgeville 30 Year USDA 2022-06-23 0.31%
Milledgeville 30 Year VA 2022-06-23 0.11%
Milledgeville 30 Year VA Refi 2022-06-23 0.09%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Milledgeville, GA.

Milledgeville Top Lenders by Rates & Fees

The below table looks at the consensus average rates and fees provided by each lendor, for only loans originated in the Milledgeville, 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 2021 Avg. 30yFix Rate 2021 Avg. Total Fees
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 60 3.22% $3,829
QUICKEN LOANS, LLC 57 3.12% $5,310
Ameris Bank 23 2.98% $4,535
UNITED WHOLESALE MORTGAGE, LLC 13 2.95% $6,336
Wells Fargo Bank 13 3.09% $3,936
BANKSOUTH MORTGAGE COMPANY, LLC 11 3.22% $4,522
Colony Bank 10 3.04% $3,660
HOMESTAR FINANCIAL CORPORATION 10 3.13% $4,253
Truist Bank 9 2.98% $4,042
LOANDEPOT.COM, LLC 9 3.32% $4,995
First Federal Bank 8 3.19% $3,374
ROBINS FINANCIAL 8 3.36% $4,986
CREDIT UNION FINANCIAL SERVICES, LLC 8 2.94% $5,113
BETTER MORTGAGE CORPORATION 7 2.89% $3,338
BROKER SOLUTIONS, INC. 7 3.19% $4,844
Capital City Home Loans, LLC 6 3.21% $5,049
GUARANTY HOME MORTGAGE CORPORATION 6 2.96% $3,930
South State Bank 6 3.35% $5,002
Citizens Bank 6 2.92% $4,074
NAVY FEDERAL CREDIT UNION 6 3.19% $2,923
AMERISAVE MORTGAGE CORPORATION 5 2.77% $5,469
ATLANTIC BAY MORTGAGE GROUP, L.L.C. 5 3.25% $4,198
THE MORTGAGE FIRM, INC. 5 3.03% $4,478
PENNYMAC LOAN SERVICES, LLC 4 3.34% $4,258
STOCKTON MORTGAGE CORPORATION 4 3.53% $4,385
Synovus Bank 4 3.25% $5,888
CRESCENT MORTGAGE COMPANY 4 3.00% $5,535
NEWREZ LLC 4 3.00% $3,519
ANGEL OAK HOME LOANS LLC 4 3.19% $3,926
Regions Bank 3 3.17% $4,739
JPMorgan Chase Bank 3 3.12% $3,167
Bank of England 3 3.92% $5,513
PROVIDENT FUNDING ASSOCIATES, L.P. 3 2.67% $3,066
PNC Bank 3 3.04% $4,119
INTERLINC MORTGAGE SERVICES, LLC 3 2.92% $4,078
Mr. Cooper ( Nationstar Mortgage ) 3 3.75% $3,847
ACOPIA, LLC 3 3.21% $4,043
GMFS LLC 3 2.71% $4,674
Renasant Bank 3 3.00% $5,011
MOVEMENT MORTGAGE, LLC 2 3.62% $3,798
AMERICAN FINANCIAL NETWORK, INC. 2 3.25% $8,938
CMG MORTGAGE, INC. 2 3.18% $4,315
CROSSCOUNTRY MORTGAGE, LLC 2 3.31% $7,276
DELTA COMMUNITY CREDIT UNION 2 2.81% $6,523
Flagstar Bank, FSB 2 3.05% $3,008
HOME POINT FINANCIAL CORPORATION 2 3.06% $3,732
HOMESIDE FINANCIAL, LLC 2 3.68% $4,830
Magnolia Bank 2 2.75% $6,813
North American Savings Bank, F.S.B. 2 2.94% $3,583
Northpointe Bank 2 3.43% $3,494
Platinum Home Mortgage Corporation 2 3.50% $7,943
Prosperity Home Mortgage, LLC 2 3.50% $3,273
SIWELL, INC. 2 3.13% $4,226
Stifel Bank and Trust 2 3.00% $2,487
SUCCESS MORTGAGE PARTNERS, INC. 2 3.19% $4,460
VANDERBILT MORTGAGE AND FINANCE, INC. 2 3.19% $4,033
LGE COMMUNITY 1 2.48% $3,508
LIBERTY HOME MORTGAGE CORPORATION 1 3.50% $7,857
FIRST COMMUNITY MORTGAGE, INC. 1 3.13% $3,476
Arvest Bank 1 3.63% $3,633
MICHIGAN MUTUAL, INC. 1 3.25% $4,317
MILEND, INC. 1 3.13% $7,260
Mortgage Assurance Inc. 1 2.75% $2,627
EVERETT FINANCIAL, INC. 1 3.75% $2,069
Discover Bank 1 5.99% $0
MUTUAL OF OMAHA MORTGAGE, INC. 1 3.38% $3,187
Nations Lending Corporation 1 2.88% $3,816
DIAMOND RESIDENTIAL MORTGAGE CORPORATION 1 2.63% $2,222
DELMAR FINANCIAL COMPANY 1 3.75% $2,478
TOWNE MORTGAGE COMPANY 1 2.88% $3,675
AMERICAN PACIFIC MORTGAGE CORPORATION 1 2.99% $5,223
CHURCHILL MORTGAGE CORPORATION 1 3.63% $3,559
Trustmark National Bank 1 3.25% $3,529
Charles Schwab Bank, SSB 1 2.75% $4,036
PRIMARY RESIDENTIAL MORTGAGE, INC. 1 2.75% $12,781
PRIMELENDING, A PLAINSCAPITAL COMPANY 1 3.38% $3,716
UBS Bank USA 1 3.25% $4,180
CERTAINTY HOME LOANS, LLC 1 3.13% $5,470
Queensborough National Bank & Trust Company 1 2.50% $2,381
Carrington Mortgage Services, LLC 1 2.88% $3,789
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 1 3.13% $5,859
CALIBER HOME LOANS, INC. 1 2.75% $1,805
Blue Ridge Bank 1 3.50% $6,825
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 1 2.50% $3,258
SOUTHEAST MORTGAGE OF GEORGIA, INC. 1 2.75% $5,063
Bank of America 1 3.00% $3,579
SRP Federal Credit Union 1 2.88% $3,535
STEARNS LENDING, LLC 1 3.25% $5,705
AMERICAN FINANCING CORPORATION 1 3.25% $2,978
ATLANTA POSTAL 1 2.88% $3,097
V.I.P. MORTGAGE, INC. 1 3.25% $3,476
GUILD MORTGAGE COMPANY 1 3.25% $6,655
Hamilton Mortgage Corporation 1 2.75% $4,181
HOMEBRIDGE FINANCIAL SERVICES, INC. 1 3.38% $5,432
SWBC MORTGAGE CORPORATION 1 2.63% $2,176
Assurance Financial Group, L.L.C. 1 3.99% $4,684
HOMESPIRE MORTGAGE CORPORATION 1 3.38% $4,014
GUARANTEED RATE, INC. 1 2.88% $9,051
FREEDOM MORTGAGE CORPORATION 1 3.25% $3,101
First Guaranty Mortgage Corporation 1 3.25% $2,182
LAKEVIEW LOAN SERVICING, LLC 1 3.38% $1,590
LENDUS, LLC 1 3.25% $4,052

Milledgeville, GA's 102 lenders originated 1,229 loans during 2021. The total origination value was $261,095,000, with an average loan value of $212,445.

The top Milledgeville lender as defined by loan originations is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, with 60 loans originated. Their average total fees are $3,829, which is $1,481 lower than the next largest lender, QUICKEN LOANS, LLC.

The lowest fee Milledgeville lenders (with over 10 loans originated) are Colony Bank ($3,660), FAIRWAY INDEPENDENT MORTGAGE CORPORATION ($3,829), Wells Fargo Bank ($3,936), HOMESTAR FINANCIAL CORPORATION ($4,253) and BANKSOUTH MORTGAGE COMPANY, LLC ($4,522).

The lowest rate Milledgeville lenders (with over 10 loans originated) are UNITED WHOLESALE MORTGAGE, LLC (2.95%), Ameris Bank (2.98%), Colony Bank (3.04%), Wells Fargo Bank (3.09%) and QUICKEN LOANS, LLC (3.12%).

Milledgeville, GA Lender 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 2020 Loan Value 2021 Loan Value % Change 2021 Market Share
QUICKEN LOANS, LLC $21,590,000 $27,765,000 28.6% 10.6%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $19,620,000 $27,570,000 40.5% 10.6%
Exchange Bank $39,550,000 $21,830,000 -44.8% 8.4%
Arbor Realty Trust, Inc. $9,095,000 n/a 3.5%
Ameris Bank $8,835,000 $8,990,000 1.8% 3.4%
Truist Bank $6,940,000 $7,410,000 6.8% 2.8%
UNITED WHOLESALE MORTGAGE, LLC $3,290,000 $6,445,000 95.9% 2.5%
BANKSOUTH MORTGAGE COMPANY, LLC $4,590,000 $5,555,000 21.0% 2.1%
FREEDOM MORTGAGE CORPORATION $2,960,000 $5,345,000 80.6% 2.0%
ROBINS FINANCIAL $8,495,000 $5,340,000 -37.1% 2.0%
Morris Bank $2,205,000 $4,745,000 115.2% 1.8%
Mortgage Research Center, LLC $3,555,000 $4,570,000 28.6% 1.8%
HOMESTAR FINANCIAL CORPORATION $8,125,000 $4,435,000 -45.4% 1.7%
LOANDEPOT.COM, LLC $2,550,000 $4,215,000 65.3% 1.6%
Wells Fargo Bank $4,530,000 $4,040,000 -10.8% 1.5%
Colony Bank $3,455,000 $3,465,000 0.3% 1.3%
BETTER MORTGAGE CORPORATION $635,000 $3,265,000 414.2% 1.3%
PENNYMAC LOAN SERVICES, LLC $1,595,000 $3,240,000 103.1% 1.2%
CREDIT UNION FINANCIAL SERVICES, LLC $1,040,000 $3,110,000 199.0% 1.2%
Stifel Bank and Trust $5,290,000 $3,020,000 -42.9% 1.2%
ATLANTIC BAY MORTGAGE GROUP, L.L.C. $2,755,000 $2,775,000 0.7% 1.1%
CROSSCOUNTRY MORTGAGE, LLC $1,940,000 $2,565,000 32.2% 1.0%
Synovus Bank $3,330,000 $2,565,000 -23.0% 1.0%
First Federal Bank $3,195,000 $2,525,000 -21.0% 1.0%
Capital City Home Loans, LLC $1,445,000 $2,420,000 67.5% 0.9%
NEWREZ LLC $340,000 $2,410,000 608.8% 0.9%
BROKER SOLUTIONS, INC. $1,070,000 $2,380,000 122.4% 0.9%
Mr. Cooper ( Nationstar Mortgage ) $2,120,000 $2,290,000 8.0% 0.9%
GUARANTY HOME MORTGAGE CORPORATION $700,000 $2,250,000 221.4% 0.9%
USAA Federal Savings Bank $2,570,000 $2,230,000 -13.2% 0.9%
JPMorgan Chase Bank $1,485,000 $2,180,000 46.8% 0.8%
AMERISAVE MORTGAGE CORPORATION $2,170,000 $2,005,000 -7.6% 0.8%
South State Bank $55,000 $1,960,000 3,463.6% 0.8%
LAKEVIEW LOAN SERVICING, LLC $1,430,000 $1,930,000 35.0% 0.7%
CLEARPATH LENDING $245,000 $1,785,000 628.6% 0.7%
Regions Bank $780,000 $1,705,000 118.6% 0.7%
STOCKTON MORTGAGE CORPORATION $1,240,000 $1,695,000 36.7% 0.6%
Renasant Bank $1,170,000 $1,625,000 38.9% 0.6%
21ST MORTGAGE CORPORATION $1,105,000 $1,520,000 37.6% 0.6%
NEW DAY FINANCIAL, LLC $2,380,000 $1,445,000 -39.3% 0.6%
Flagstar Bank, FSB $365,000 $1,360,000 272.6% 0.5%
Magnolia State Bank $3,095,000 $1,360,000 -56.1% 0.5%
CERTAINTY HOME LOANS, LLC $275,000 $1,350,000 390.9% 0.5%
GUARANTEED RATE, INC. $725,000 $1,305,000 80.0% 0.5%
THE MORTGAGE FIRM, INC. $1,920,000 $1,295,000 -32.6% 0.5%
DELTA COMMUNITY CREDIT UNION $1,965,000 $1,270,000 -35.4% 0.5%
CRESCENT MORTGAGE COMPANY $1,720,000 $1,255,000 -27.0% 0.5%
INTERLINC MORTGAGE SERVICES, LLC $1,410,000 $1,235,000 -12.4% 0.5%
Citizens Bank $350,000 $1,155,000 230.0% 0.4%
North American Savings Bank, F.S.B. $1,030,000 $1,085,000 5.3% 0.4%
SUCCESS MORTGAGE PARTNERS, INC. $370,000 $1,085,000 193.2% 0.4%
Bank of America $1,045,000 $1,060,000 1.4% 0.4%
ANGEL OAK HOME LOANS LLC $1,645,000 $1,050,000 -36.2% 0.4%
PNC Bank $405,000 $1,005,000 148.1% 0.4%
NAVY FEDERAL CREDIT UNION $1,350,000 $1,000,000 -25.9% 0.4%
ACOPIA, LLC $610,000 $980,000 60.7% 0.4%
Bank of Dudley $75,000 $965,000 1,186.7% 0.4%
United Community Bank $290,000 $855,000 194.8% 0.3%
CMG MORTGAGE, INC. $825,000 n/a 0.3%
GMFS LLC $1,400,000 $825,000 -41.1% 0.3%
United Bank $910,000 $825,000 -9.3% 0.3%
Bank of England $240,000 $815,000 239.6% 0.3%
VILLAGE CAPITAL & INVESTMENT LLC $865,000 $815,000 -5.8% 0.3%
Lakeview Community Capital, LLC $155,000 $770,000 396.8% 0.3%
CALIBER HOME LOANS, INC. $1,110,000 $760,000 -31.5% 0.3%
Magnolia Bank $850,000 $760,000 -10.6% 0.3%
TRIAD FINANCIAL SERVICES, INC. $295,000 $730,000 147.5% 0.3%
STEARNS LENDING, LLC $430,000 $725,000 68.6% 0.3%
BankSouth $320,000 $720,000 125.0% 0.3%
InterContinental Capital Group, Inc $460,000 $715,000 55.4% 0.3%
Prosperity Home Mortgage, LLC $715,000 n/a 0.3%
AMERICAN FINANCIAL NETWORK, INC. $975,000 $705,000 -27.7% 0.3%
GUILD MORTGAGE COMPANY $95,000 $675,000 610.5% 0.3%
HOME POINT FINANCIAL CORPORATION $940,000 $665,000 -29.3% 0.3%
MOVEMENT MORTGAGE, LLC $1,725,000 $665,000 -61.4% 0.3%
Charles Schwab Bank, SSB $605,000 n/a 0.2%
Nations Lending Corporation $985,000 $580,000 -41.1% 0.2%
Capital City Bank $105,000 $555,000 428.6% 0.2%
Carrington Mortgage Services, LLC $520,000 $555,000 6.7% 0.2%
FIRST COMMUNITY MORTGAGE, INC. $545,000 n/a 0.2%
UBS Bank USA $545,000 n/a 0.2%
Northpointe Bank $1,065,000 $540,000 -49.3% 0.2%
Gulf Coast Bank and Trust Company $535,000 n/a 0.2%
HOMESIDE FINANCIAL, LLC $390,000 $525,000 34.6% 0.2%
PROVIDENT FUNDING ASSOCIATES, L.P. $850,000 $495,000 -41.8% 0.2%
VANDERBILT MORTGAGE AND FINANCE, INC. $1,240,000 $485,000 -60.9% 0.2%
PRIMARY RESIDENTIAL MORTGAGE, INC. $195,000 $465,000 138.5% 0.2%
Century Mortgage Company DBA Century Lending Company $455,000 n/a 0.2%
TOWNE MORTGAGE COMPANY $345,000 $440,000 27.5% 0.2%
Goldwater Bank, N.A. $365,000 $425,000 16.4% 0.2%
Platinum Home Mortgage Corporation $475,000 $415,000 -12.6% 0.2%
Trustmark National Bank $405,000 n/a 0.2%
AMERICAN PACIFIC MORTGAGE CORPORATION $365,000 n/a 0.1%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $790,000 $365,000 -53.8% 0.1%
ISERVE RESIDENTIAL LENDING, LLC $365,000 n/a 0.1%
Assurance Financial Group, L.L.C. $325,000 n/a 0.1%
CHURCHILL MORTGAGE CORPORATION $125,000 $325,000 160.0% 0.1%
Hamilton Mortgage Corporation $315,000 n/a 0.1%
Carrollton Bank $305,000 n/a 0.1%
Queensborough National Bank & Trust Company $665,000 $305,000 -54.1% 0.1%
SOUTHWEST STAGE FUNDING, LLC $445,000 $290,000 -34.8% 0.1%
SIWELL, INC. $285,000 n/a 0.1%
LGE COMMUNITY $380,000 $275,000 -27.6% 0.1%
LENOX FINANCIAL MORTGAGE CORPORATION $275,000 $265,000 -3.6% 0.1%
LIBERTY HOME MORTGAGE CORPORATION $265,000 n/a 0.1%
SOVEREIGN LENDING GROUP INCORPORATED $265,000 n/a 0.1%
ZILLOW HOME LOANS, LLC $430,000 $265,000 -38.4% 0.1%
Oconee State Bank $1,380,000 $260,000 -81.2% 0.1%
Mid-Continent Funding, Inc. $245,000 n/a 0.1%
QUORUM FEDERAL CREDIT UNION $245,000 n/a 0.1%
First American Bank and Trust Company $330,000 $235,000 -28.8% 0.1%
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $225,000 n/a 0.1%
FINANCE OF AMERICA MORTGAGE LLC $335,000 $215,000 -35.8% 0.1%
Peoples Bank & Trust $215,000 n/a 0.1%
Cadence Bank, N.A. $490,000 $210,000 -57.1% 0.1%
Blue Ridge Bank $205,000 n/a 0.1%
HOMEBRIDGE FINANCIAL SERVICES, INC. $645,000 $205,000 -68.2% 0.1%
Arvest Bank $195,000 n/a 0.1%
MILEND, INC. $630,000 $195,000 -69.0% 0.1%
PLANET HOME LENDING, LLC $360,000 $195,000 -45.8% 0.1%
SOUTHEAST MORTGAGE OF GEORGIA, INC. $1,415,000 $195,000 -86.2% 0.1%
FAY SERVICING, LLC $190,000 n/a 0.1%
First Internet Bank of Indiana $185,000 n/a 0.1%
Low VA Rates, LLC $225,000 $185,000 -17.8% 0.1%
MICHIGAN MUTUAL, INC. $185,000 n/a 0.1%
Mortgage Assurance Inc. $330,000 $185,000 -43.9% 0.1%
NexBank $185,000 n/a 0.1%
RELIANCE FIRST CAPITAL, LLC $185,000 n/a 0.1%
AMERICAN FINANCING CORPORATION $175,000 n/a 0.1%
SunMark Community Bank $880,000 $175,000 -80.1% 0.1%
U.S. Bank $1,190,000 $175,000 -85.3% 0.1%
AUGUSTA MORTGAGE CO. $165,000 n/a 0.1%
DIAMOND RESIDENTIAL MORTGAGE CORPORATION $165,000 n/a 0.1%
FBC MORTGAGE, LLC $165,000 n/a 0.1%
LENDUS, LLC $225,000 $165,000 -26.7% 0.1%
SECURITYNATIONAL MORTGAGE COMPANY $165,000 n/a 0.1%
Southern First Bank $250,000 $160,000 -36.0% 0.1%
ATLANTA POSTAL $155,000 $155,000 0.0% 0.1%
HOMESPIRE MORTGAGE CORPORATION $155,000 n/a 0.1%
1st Franklin Financial Corporation $15,000 $140,000 833.3% 0.1%
ALLIANT CREDIT UNION $135,000 n/a 0.1%
First Guaranty Mortgage Corporation $210,000 $135,000 -35.7% 0.1%
LENDING 3, INC. $135,000 n/a 0.1%
MUTUAL OF OMAHA MORTGAGE, INC. $430,000 $135,000 -68.6% 0.1%
Paramount Residential Mortgage Group, Inc. $125,000 n/a 0.0%
PrimeSouth Bank $125,000 n/a 0.0%
SWBC MORTGAGE CORPORATION $750,000 $125,000 -83.3% 0.0%
The Piedmont Bank $125,000 n/a 0.0%
PLANTERS FIRST BANK $355,000 $120,000 -66.2% 0.0%
PRIMELENDING, A PLAINSCAPITAL COMPANY $1,160,000 $115,000 -90.1% 0.0%
Third Federal Savings and Loan Association of Cleveland $680,000 $115,000 -83.1% 0.0%
Discover Bank $110,000 n/a 0.0%
CREDIT HUMAN FEDERAL CREDIT UNION $105,000 n/a 0.0%
EVERETT FINANCIAL, INC. $1,720,000 $105,000 -93.9% 0.0%
Barrington Bank & Trust Company, N.A. $95,000 n/a 0.0%
CAMPUS USA $95,000 n/a 0.0%
OCEANSIDE MORTGAGE COMPANY $95,000 $95,000 0.0% 0.0%
RUOFF MORTGAGE COMPANY, INC. $75,000 n/a 0.0%
SRP Federal Credit Union $75,000 n/a 0.0%
AMERICAN FINANCIAL RESOURCES, INC. $65,000 n/a 0.0%
PENTAGON FEDERAL CREDIT UNION $65,000 n/a 0.0%
DELMAR FINANCIAL COMPANY $45,000 n/a 0.0%
F&M Bank $45,000 n/a 0.0%
Pinnacle Bank $45,000 n/a 0.0%
V.I.P. MORTGAGE, INC. $45,000 n/a 0.0%
Figure Lending LLC $40,000 n/a 0.0%
GEORGIA'S OWN $210,000 $35,000 -83.3% 0.0%
Emory Alliance Credit Union $25,000 n/a 0.0%

Milledgeville's top lender by overall market share is QUICKEN LOANS, LLC, with 10.6% market share. In second place, with 10.6%, is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, having originated $27,570,000 in loans. In third place, with 8.4%, is Exchange Bank, having originated $21,830,000 in loans. In third place, with 3.5%, is Arbor Realty Trust, Inc., having originated $9,095,000 in loans. In third place, with 3.4%, is Ameris Bank, having originated $8,990,000 in loans.


Milledgeville, GA Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 554 $133,900,000 $241,697
Refi 404 $82,110,000 $203,243
Cash Out Refi 213 $40,385,000 $189,601
Home Improvement 32 $3,060,000 $95,625
Other 26 $1,640,000 $63,077

Milledgeville's most frequently cited loan purpose was Home Purchase, with 554 originations. The 2nd most popular reason was Refi, with 404 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
2.5-3% 402 $93,870,000 $233,507
3-4% 381 $90,205,000 $236,759
<2.5% 178 $37,770,000 $212,191
4-5% 32 $4,930,000 $154,063
Over 8% 18 $1,150,000 $63,889
6-7% 13 $1,075,000 $82,692
5-6% 10 $770,000 $77,000
7-8% 8 $720,000 $90,000

During 2021, Milledgeville's most frequently originated rate bucket was 2.5-3%, with 402 originations.

Loan Sizing (Milledgeville, GA MSA)

Loan Size Originations Total Value Average Loan
$100k-200k 480 $72,310,000 $150,646
$200k-400k 362 $99,100,000 $273,757
$100,000 or less 267 $16,435,000 $61,554
$400k-600k 102 $49,230,000 $482,647
$600k-1000k 13 $9,675,000 $744,231
$Over $1MM 5 $14,345,000 $2,869,000

Milledgeville's loan sizing saw the bucket of loans from $100k-200k with 480 originations, totaling $72,310,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 400 $89,200,000 $223,000
60-80% 353 $95,485,000 $270,496
40-60% 154 $26,480,000 $171,948
20-40% 57 $7,135,000 $125,175
Under 20% 40 $1,450,000 $36,250
Over 100% 9 $2,485,000 $276,111

Milledgeville's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 400 originations, totaling $89,200,000 in origination value.


Market Conditions (Median, Average Prices & Listing Count)

Realtor.com - Milledgeville (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 $189,900 (8.6%) $230,938 (9.7%) 0.00 344
2018-02-01 $189,900 (7.6%) $233,883 (10.3%) 0.00 356
2018-03-01 $189,900 (6.7%) $245,525 (15.1%) 0.00 372
2018-04-01 $195,000 (8.9%) $244,769 (14.1%) 0.00 404
2018-05-01 $190,450 (6.2%) $246,070 (16.5%) 0.00 397
2018-06-01 $199,000 (7.6%) $261,854 (18.1%) 0.00 397
2018-07-01 $199,000 (7.6%) $261,927 (13.5%) 0.00 410
2018-08-01 $199,000 (7.9%) $255,745 (11.3%) 0.00 451
2018-09-01 $195,000 (5.5%) $248,823 (6.3%) 0.00 441
2018-10-01 $199,000 (9.7%) $250,567 (9.8%) 0.00 433
2018-11-01 $198,900 (4.3%) $252,096 (9.5%) 0.00 400
2018-12-01 $194,900 (3.1%) $243,854 (7.0%) 0.00 369
2019-01-01 $195,450 (2.9%) $242,373 (5.0%) 0.00 380
2019-02-01 $199,000 (4.8%) $243,956 (4.3%) 0.00 394
2019-03-01 $206,086 (8.5%) $250,166 (1.9%) 0.00 438
2019-04-01 $227,000 (16.4%) $265,681 (8.5%) 0.00 484
2019-05-01 $249,900 (31.2%) $284,752 (15.7%) 0.00 473
2019-06-01 $239,000 (20.1%) $284,800 (8.8%) 0.00 480
2019-07-01 $236,000 (18.6%) $286,591 (9.4%) 0.00 483
2019-08-01 $253,286 (27.3%) $291,821 (14.1%) 0.00 492
2019-09-01 $253,786 (30.2%) $294,467 (18.3%) 0.00 502
2019-10-01 $259,000 (30.2%) $296,717 (18.4%) 0.00 479
2019-11-01 $244,500 (22.9%) $290,809 (15.4%) 0.00 474
2019-12-01 $249,900 (28.2%) $297,343 (21.9%) 0.00 441
2020-01-01 $267,000 (36.6%) $304,524 (25.6%) 0.00 396
2020-02-01 $269,000 (35.2%) $318,489 (30.6%) 0.00 362
2020-03-01 $269,900 (31.0%) $332,030 (32.7%) 0.00 352
2020-04-01 $269,000 (18.5%) $330,222 (24.3%) 0.00 321
2020-05-01 $275,000 (10.0%) $335,587 (17.9%) 0.00 296
2020-06-01 $252,000 (5.4%) $329,062 (15.5%) 0.00 248
2020-07-01 $244,450 (3.6%) $341,274 (19.1%) 0.00 224
2020-08-01 $239,000 (-5.6%) $337,680 (15.7%) 0.00 210
2020-09-01 $239,000 (-5.8%) $327,921 (11.4%) 0.00 240
2020-10-01 $240,000 (-7.3%) $324,986 (9.5%) 0.00 239
2020-11-01 $239,500 (-2.0%) $325,606 (12.0%) 0.00 205
2020-12-01 $260,000 (4.0%) $349,846 (17.7%) 0.00 221
2021-01-01 $249,000 (-6.7%) $324,493 (6.6%) 0.00 206
2021-02-01 $240,000 (-10.8%) $350,125 (9.9%) 0.00 184
2021-03-01 $241,450 (-10.5%) $317,832 (-4.3%) 0.00 136
2021-04-01 $231,450 (-14.0%) $319,943 (-3.1%) 0.00 142
2021-05-01 $239,900 (-12.8%) $345,751 (3.0%) 0.00 135
2021-06-01 $235,000 (-6.8%) $361,279 (9.8%) 0.00 151
2021-07-01 $279,000 (14.1%) $378,766 (11.0%) 0.00 136
2021-08-01 $284,475 (19.0%) $382,062 (13.1%) 0.00 155
2021-09-01 $279,000 (16.7%) $372,183 (13.5%) 0.00 170
2021-10-01 $269,900 (12.5%) $389,092 (19.7%) 0.00 156
2021-11-01 $207,450 (-13.4%) $352,399 (8.2%) 0.00 147
2021-12-01 $199,000 (-23.5%) $312,506 (-10.7%) 0.00 144
2022-01-01 $229,900 (-7.7%) $319,060 (-1.7%) 0.00 141
2022-02-01 $267,500 (11.5%) $335,610 (-4.2%) 0.00 130
2022-03-01 $279,450 (15.7%) $329,650 (3.7%) 0.00 147
2022-04-01 $315,000 (36.1%) $362,736 (13.4%) 0.00 166
2022-05-01 $324,999 (35.5%) $424,904 (22.9%) 0.00 203
Milledgeville's median listing price for 2022-05-01 was $324,999, a difference of $85,099 (35.5%) versus the prior year and $9,999 versus the prior month.

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

Milledgeville's average listing price for 2022-05-01 was $424,904, a difference of $79,153 (22.9%) versus the prior year and $62,168 versus the prior month.

For the 2022-05-01 period, Milledgeville had 203 MLS listings, a difference of 37 listings (22%) versus the prior month and 68 listings (50%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - Milledgeville (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 0 days 1,848 sqft
2018-02-01 0 days 1,986 sqft
2018-03-01 0 days 2,000 sqft
2018-04-01 0 days 1,986 sqft
2018-05-01 0 days 1,864 sqft
2018-06-01 0 days 1,971 sqft
2018-07-01 0 days 1,987 sqft
2018-08-01 0 days 1,918 sqft
2018-09-01 0 days 1,960 sqft
2018-10-01 0 days 2,000 sqft
2018-11-01 0 days 2,000 sqft
2018-12-01 0 days 2,000 sqft
2019-01-01 0 days 1,960 sqft
2019-02-01 0 days 1,980 sqft
2019-03-01 0 days 2,037 sqft
2019-04-01 0 days 2,185 sqft
2019-05-01 0 days 2,185 sqft
2019-06-01 0 days 2,204 sqft
2019-07-01 0 days 2,176 sqft
2019-08-01 0 days 2,148 sqft
2019-09-01 0 days 2,115 sqft
2019-10-01 0 days 2,125 sqft
2019-11-01 0 days 2,071 sqft
2019-12-01 0 days 2,100 sqft
2020-01-01 0 days 2,171 sqft
2020-02-01 0 days 2,176 sqft
2020-03-01 0 days 2,165 sqft
2020-04-01 0 days 2,100 sqft
2020-05-01 0 days 2,176 sqft
2020-06-01 0 days 2,164 sqft
2020-07-01 0 days 2,188 sqft
2020-08-01 0 days 2,282 sqft
2020-09-01 0 days 2,217 sqft
2020-10-01 0 days 2,282 sqft
2020-11-01 0 days 2,263 sqft
2020-12-01 0 days 2,150 sqft
2021-01-01 0 days 2,124 sqft
2021-02-01 0 days 2,150 sqft
2021-03-01 0 days 2,049 sqft
2021-04-01 0 days 1,725 sqft
2021-05-01 0 days 1,759 sqft
2021-06-01 0 days 1,855 sqft
2021-07-01 0 days 2,000 sqft
2021-08-01 0 days 2,052 sqft
2021-09-01 0 days 2,040 sqft
2021-10-01 0 days 1,983 sqft
2021-11-01 0 days 1,967 sqft
2021-12-01 0 days 1,798 sqft
2022-01-01 0 days 1,848 sqft
2022-02-01 0 days 1,782 sqft
2022-03-01 0 days 1,929 sqft
2022-04-01 0 days 1,889 sqft
2022-05-01 0 days 1,931 sqft
Milledgeville's median listing age (time on market) for 2022-05-01 was 0 days.

Milledgeville's median square footage for active listings during the 2022-05-01 period was 1,931 sqft. One year prior, the average listing was 1,759 sqft.