VALDOSTA Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Valdosta averaged
7%
for the week of 2023-09-14, compared to the national average of
7.18% for the same period.
The average rate for the prior week (2023-09-07) was
7.14% and
one month ago for the week of 2023-08-10, the
average rate was 6.88%.
Valdosta's average rate one year ago was 5.71%.
For refis of the same type during the week of 2023-09-14, the average rate
was 6.53%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2023-09-14 | 7.18% |
| Valdosta 30 Year Fixed Rate | 2023-09-14 | 7% |
| Valdosta 30 Year Fixed Rate Refi | 2023-09-14 | 6.53% |
| Valdosta 15 Year Fixed Rate | 2023-09-14 | 6.31% |
| Valdosta 15 Year Fixed Rate Refi | 2023-09-14 | 6.91% |
| Valdosta 30 Year FHA | 2023-09-14 | 6.48% |
| Valdosta 30 Year FHA Refi | 2023-09-14 | 6.89% |
| Valdosta 30 Year USDA | 2023-09-14 | 7.18% |
| Valdosta 30 Year USDA Refi | 2023-09-14 | 6.98% |
| Valdosta 30 Year VA | 2023-09-14 | 6.14% |
| Valdosta 30 Year VA Refi | 2023-09-14 | 6.61% |
VALDOSTA 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 VALDOSTA, 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.).
VALDOSTA Average Closing Costs & Other Stats
VALDOSTA, GA's 126 lenders originated 3,795
loans during 2022. The total origination value was $816,135,000, with an average loan value of
$215,055.
VALDOSTA's average closing costs are $5,229.
The top VALDOSTA lender as defined by loan originations is Ameris Bank, with
91 loans originated. Their average total fees are
$5,336, which is $600
lower than the next largest lender,
FAIRWAY INDEPENDENT MORTGAGE CORPORATION.
The lowest fee VALDOSTA lenders (with over 10 loans originated) are
SOUTHEASTERN Credit Union ($2,586), Bank of America ($3,815), JPMorgan Chase Bank ($4,433), Colony Bank ($4,450) and Wells Fargo Bank ($4,541).
The lowest rate VALDOSTA lenders (with over 10 loans originated) are
Bank of America (4.38%), LOANDEPOT.COM, LLC (4.54%), Wells Fargo Bank (4.66%), BANKSOUTH MORTGAGE COMPANY, LLC (4.74%) and Synovus Bank (4.78%).
VALDOSTA, 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 |
|---|---|---|---|---|
| Mortgage Research Center, LLC | $81,085,000 | $60,885,000 | -24.9% | 7.5% |
| Ameris Bank | $51,345,000 | $56,985,000 | 11.0% | 7.0% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $88,780,000 | $53,410,000 | -39.8% | 6.5% |
| QUICKEN LOANS, LLC | $80,065,000 | $42,730,000 | -46.6% | 5.2% |
| First Federal Savings and Loan Association of Valdosta | $33,790,000 | $41,500,000 | 22.8% | 5.1% |
| M&T Bank | $105,000 | $32,305,000 | 30,666.7% | 4.0% |
| Renasant Bank | $43,625,000 | $25,530,000 | -41.5% | 3.1% |
| ANGEL OAK HOME LOANS LLC | $46,100,000 | $25,275,000 | -45.2% | 3.1% |
| The First, A National Banking Association | $23,170,000 | $24,255,000 | 4.7% | 3.0% |
| Colony Bank | $15,250,000 | $20,890,000 | 37.0% | 2.6% |
| Farmers & Merchants Bank | $21,745,000 | $20,085,000 | -7.6% | 2.5% |
| UNITED WHOLESALE MORTGAGE, LLC | $13,115,000 | $19,000,000 | 44.9% | 2.3% |
| SOUTHEASTERN Credit Union | $18,570,000 | $18,850,000 | 1.5% | 2.3% |
| Guardian Bank | $45,715,000 | $15,685,000 | -65.7% | 1.9% |
| BANKSOUTH MORTGAGE COMPANY, LLC | $5,095,000 | $15,015,000 | 194.7% | 1.8% |
| Wells Fargo Bank | $33,220,000 | $14,535,000 | -56.2% | 1.8% |
| Synovus Bank | $20,390,000 | $13,875,000 | -32.0% | 1.7% |
| Commercial Banking Company | $15,900,000 | $13,620,000 | -14.3% | 1.7% |
| Citizens Community Bank | $7,040,000 | $13,250,000 | 88.2% | 1.6% |
| Capital One | $12,825,000 | n/a | 1.6% | |
| NAVY FEDERAL CREDIT UNION | $10,065,000 | $10,960,000 | 8.9% | 1.3% |
| PeoplesSouth Bank | $9,290,000 | $10,875,000 | 17.1% | 1.3% |
| USAA Federal Savings Bank | $18,540,000 | $10,665,000 | -42.5% | 1.3% |
| LOANDEPOT.COM, LLC | $17,900,000 | $9,275,000 | -48.2% | 1.1% |
| FIRST COMMERCE CREDIT UNION | $4,165,000 | $7,990,000 | 91.8% | 1.0% |
| HOMESTAR FINANCIAL CORPORATION | $12,610,000 | $7,985,000 | -36.7% | 1.0% |
| FREEDOM MORTGAGE CORPORATION | $30,505,000 | $7,355,000 | -75.9% | 0.9% |
| HOME POINT FINANCIAL CORPORATION | $14,940,000 | $7,065,000 | -52.7% | 0.9% |
| Mr. Cooper ( Nationstar Mortgage ) | $10,415,000 | $7,010,000 | -32.7% | 0.9% |
| PENNYMAC LOAN SERVICES, LLC | $20,040,000 | $6,680,000 | -66.7% | 0.8% |
| Bank of America | $6,870,000 | $6,270,000 | -8.7% | 0.8% |
| READYCAP COMMERCIAL, LLC | $5,705,000 | n/a | 0.7% | |
| LIMA ONE CAPITAL, LLC | $630,000 | $5,600,000 | 788.9% | 0.7% |
| OPEN MORTGAGE, LLC | $13,870,000 | $5,185,000 | -62.6% | 0.6% |
| Bank OZK | $710,000 | $5,095,000 | 617.6% | 0.6% |
| Flagstar Bank, FSB | $2,725,000 | $4,700,000 | 72.5% | 0.6% |
| PENTAGON FEDERAL CREDIT UNION | $4,070,000 | $4,400,000 | 8.1% | 0.5% |
| BROKER SOLUTIONS, INC. | $5,100,000 | $4,235,000 | -17.0% | 0.5% |
| JPMorgan Chase Bank | $4,065,000 | $4,210,000 | 3.6% | 0.5% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | $4,035,000 | $3,935,000 | -2.5% | 0.5% |
| NBKC BANK | $6,065,000 | $3,695,000 | -39.1% | 0.5% |
| AMERISAVE MORTGAGE CORPORATION | $8,605,000 | $3,530,000 | -59.0% | 0.4% |
| CROSSCOUNTRY MORTGAGE, LLC | $1,020,000 | $2,760,000 | 170.6% | 0.3% |
| Truist | $4,280,000 | $2,680,000 | -37.4% | 0.3% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $1,060,000 | $2,500,000 | 135.8% | 0.3% |
| Paramount Residential Mortgage Group, Inc. | $670,000 | $2,465,000 | 267.9% | 0.3% |
| NEW DAY FINANCIAL, LLC | $6,375,000 | $2,450,000 | -61.6% | 0.3% |
| Thomasville National Bank | $800,000 | $2,345,000 | 193.1% | 0.3% |
| LAKEVIEW LOAN SERVICING, LLC | $7,285,000 | $2,235,000 | -69.3% | 0.3% |
| GUARANTEED RATE, INC. | $1,100,000 | $2,145,000 | 95.0% | 0.3% |
| FirstBank | $440,000 | $2,115,000 | 380.7% | 0.3% |
| FINANCE OF AMERICA MORTGAGE LLC | $490,000 | $2,080,000 | 324.5% | 0.3% |
| KeyBank | $520,000 | $2,020,000 | 288.5% | 0.2% |
| Barrington Bank & Trust Company, N.A. | $3,850,000 | $2,000,000 | -48.1% | 0.2% |
| 21ST MORTGAGE CORPORATION | $1,930,000 | $1,970,000 | 2.1% | 0.2% |
| 1ST SIGNATURE LENDING, LLC | $1,255,000 | $1,915,000 | 52.6% | 0.2% |
| PNC Bank | $330,000 | $1,895,000 | 474.2% | 0.2% |
| MOVEMENT MORTGAGE, LLC | $2,955,000 | $1,875,000 | -36.5% | 0.2% |
| Regions Bank | $2,600,000 | $1,825,000 | -29.8% | 0.2% |
| CALIBER HOME LOANS, INC. | $7,860,000 | $1,785,000 | -77.3% | 0.2% |
| BETTER MORTGAGE CORPORATION | $6,055,000 | $1,725,000 | -71.5% | 0.2% |
| Stifel Bank and Trust | $2,080,000 | $1,655,000 | -20.4% | 0.2% |
| U.S. Bank | $2,630,000 | $1,615,000 | -38.6% | 0.2% |
| EVERETT FINANCIAL, INC. | $415,000 | $1,565,000 | 277.1% | 0.2% |
| GoPrime Mortgage, Inc. | $6,310,000 | $1,565,000 | -75.2% | 0.2% |
| GUARANTY HOME MORTGAGE CORPORATION | $255,000 | $1,500,000 | 488.2% | 0.2% |
| HOMESIDE FINANCIAL, LLC | $845,000 | $1,480,000 | 75.1% | 0.2% |
| NEWREZ LLC | $5,475,000 | $1,460,000 | -73.3% | 0.2% |
| GMFS LLC | $1,285,000 | $1,380,000 | 7.4% | 0.2% |
| STOCKTON MORTGAGE CORPORATION | $2,665,000 | $1,365,000 | -48.8% | 0.2% |
| SOUTHWEST STAGE FUNDING, LLC | $350,000 | $1,360,000 | 288.6% | 0.2% |
| The Huntington National Bank | $385,000 | $1,335,000 | 246.8% | 0.2% |
| VILLAGE CAPITAL MORTGAGE | $4,320,000 | $1,300,000 | -69.9% | 0.2% |
| UNION HOME MORTGAGE CORP. | $2,425,000 | $1,230,000 | -49.3% | 0.2% |
| CMG MORTGAGE, INC. | $135,000 | $1,220,000 | 803.7% | 0.1% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $235,000 | $1,220,000 | 419.1% | 0.1% |
| Magnolia Bank | $780,000 | $1,195,000 | 53.2% | 0.1% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $2,095,000 | $1,160,000 | -44.6% | 0.1% |
| Carrington Mortgage Services, LLC | $2,770,000 | $1,090,000 | -60.6% | 0.1% |
| NexBank | $1,570,000 | $1,050,000 | -33.1% | 0.1% |
| AMERICAN FINANCING CORPORATION | $1,235,000 | $1,030,000 | -16.6% | 0.1% |
| LOANPAL, LLC | $395,000 | $1,005,000 | 154.4% | 0.1% |
| DHI MORTGAGE COMPANY, LTD. | $845,000 | n/a | 0.1% | |
| AmeriHome Mortgage Company, LLC | $1,920,000 | $840,000 | -56.3% | 0.1% |
| Nations Lending Corporation | $790,000 | $825,000 | 4.4% | 0.1% |
| Capital City Home Loans, LLC | $995,000 | $815,000 | -18.1% | 0.1% |
| PREMIA MORTGAGE, LLC | $855,000 | $815,000 | -4.7% | 0.1% |
| RUOFF MORTGAGE COMPANY, INC. | $855,000 | $800,000 | -6.4% | 0.1% |
| T2 FINANCIAL LLC | $800,000 | n/a | 0.1% | |
| ZILLOW HOME LOANS, LLC | $630,000 | $800,000 | 27.0% | 0.1% |
| Fifth Third Bank | $475,000 | $780,000 | 64.2% | 0.1% |
| First Federal Bank | $865,000 | $750,000 | -13.3% | 0.1% |
| Armed Forces Bank | $680,000 | $730,000 | 7.4% | 0.1% |
| TOWNE MORTGAGE COMPANY | $1,150,000 | $730,000 | -36.5% | 0.1% |
| Gateway First Bank | $235,000 | $685,000 | 191.5% | 0.1% |
| Uwharrie Bank | $665,000 | n/a | 0.1% | |
| TRIAD FINANCIAL SERVICES, INC. | $65,000 | $660,000 | 915.4% | 0.1% |
| Equity Prime Mortgage LLC | $645,000 | n/a | 0.1% | |
| SECURITYNATIONAL MORTGAGE COMPANY | $565,000 | $625,000 | 10.6% | 0.1% |
| Lakeview Community Capital, LLC | $2,135,000 | $595,000 | -72.1% | 0.1% |
| NP, Inc. | $745,000 | $580,000 | -22.1% | 0.1% |
| RESIDENTIAL BANCORP. | $580,000 | n/a | 0.1% | |
| Prosperity Home Mortgage, LLC | $285,000 | $570,000 | 100.0% | 0.1% |
| GUARANTEED RATE AFFINITY, LLC | $765,000 | $560,000 | -26.8% | 0.1% |
| GUILD MORTGAGE COMPANY | $400,000 | $555,000 | 38.8% | 0.1% |
| Low VA Rates, LLC | $2,055,000 | $555,000 | -73.0% | 0.1% |
| THE MORTGAGE FIRM, INC. | $390,000 | $555,000 | 42.3% | 0.1% |
| First Southern Bank | $545,000 | n/a | 0.1% | |
| CREDIT UNION OF GEORGIA | $355,000 | $535,000 | 50.7% | 0.1% |
| DAS Acquisition Company, LLC | $225,000 | $535,000 | 137.8% | 0.1% |
| The Federal Savings Bank | $2,050,000 | $520,000 | -74.6% | 0.1% |
| Troy Bank and Trust Company | $135,000 | $515,000 | 281.5% | 0.1% |
| ROYAL UNITED MORTGAGE LLC | $85,000 | $510,000 | 500.0% | 0.1% |
| Flint Community Bank | $495,000 | n/a | 0.1% | |
| Princeton Mortgage Corporation | $490,000 | n/a | 0.1% | |
| CIVIC FINANCIAL SERVICES, LLC | $155,000 | $470,000 | 203.2% | 0.1% |
| VYSTAR | $55,000 | $470,000 | 754.5% | 0.1% |
| PHH Mortgage Corporation | $515,000 | $465,000 | -9.7% | 0.1% |
| AMERIFIRST FINANCIAL CORPORATION | $460,000 | n/a | 0.1% | |
| LENDINGONE, LLC | $460,000 | n/a | 0.1% | |
| PrimeSouth Bank | $265,000 | $460,000 | 73.6% | 0.1% |
| GENEVA FINANCIAL, LLC | $825,000 | $445,000 | -46.1% | 0.1% |
| CLEARPATH LENDING | $2,365,000 | $440,000 | -81.4% | 0.1% |
| UNIVERSITY LENDING GROUP, LLC | $155,000 | $430,000 | 177.4% | 0.1% |
| Ally Bank | $535,000 | $425,000 | -20.6% | 0.1% |
| AMERICAN FINANCIAL RESOURCES, INC. | $405,000 | $425,000 | 4.9% | 0.1% |
| BancorpSouth Bank | $425,000 | n/a | 0.1% | |
| RELIANCE FIRST CAPITAL, LLC | $280,000 | $425,000 | 51.8% | 0.1% |
| ON Q FINANCIAL, INC. | $4,700,000 | $420,000 | -91.1% | 0.1% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | $135,000 | $415,000 | 207.4% | 0.1% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | $400,000 | n/a | 0.0% | |
| PREMIER LENDING, INC. | $445,000 | $400,000 | -10.1% | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $1,575,000 | $400,000 | -74.6% | 0.0% |
| Alcova Mortgage LLC | $590,000 | $395,000 | -33.1% | 0.0% |
| Service Federal Credit Union | $400,000 | $395,000 | -1.3% | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $1,645,000 | $395,000 | -76.0% | 0.0% |
| MILEND, INC. | $435,000 | $390,000 | -10.3% | 0.0% |
| SPRING EQ, LLC | $125,000 | $390,000 | 212.0% | 0.0% |
| HAMILTON HOME LOANS, INC. | $385,000 | n/a | 0.0% | |
| NEXERA HOLDING LLC | $385,000 | n/a | 0.0% | |
| AMERICAN ADVISORS GROUP | $165,000 | $380,000 | 130.3% | 0.0% |
| INTERCAP LENDING INC. | $380,000 | n/a | 0.0% | |
| North American Savings Bank, F.S.B. | $1,105,000 | $380,000 | -65.6% | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $540,000 | $380,000 | -29.6% | 0.0% |
| SOVEREIGN LENDING GROUP INCORPORATED | $380,000 | n/a | 0.0% | |
| Mid-Continent Funding, Inc. | $1,020,000 | $370,000 | -63.7% | 0.0% |
| MORIA DEVELOPMENT, INC. | $135,000 | $360,000 | 166.7% | 0.0% |
| First Guaranty Mortgage Corporation | $385,000 | $355,000 | -7.8% | 0.0% |
| MORTGAGE ACCESS CORP. | $345,000 | n/a | 0.0% | |
| CAMPUS USA | $165,000 | $340,000 | 106.1% | 0.0% |
| COUNTRYPLACE MORTGAGE, LTD. | $340,000 | n/a | 0.0% | |
| MORTGAGE INVESTORS GROUP, INC. | $405,000 | $340,000 | -16.0% | 0.0% |
| BNC National Bank | $1,600,000 | $335,000 | -79.1% | 0.0% |
| COMMUNITY MORTGAGE CORPORATION | $325,000 | n/a | 0.0% | |
| First Federal Bank, A FSB | $325,000 | n/a | 0.0% | |
| Deere Employees Credit Union | $315,000 | n/a | 0.0% | |
| Watermark Capital, Inc. | $315,000 | n/a | 0.0% | |
| Blue Ridge Bank | $860,000 | $305,000 | -64.5% | 0.0% |
| Colonial Savings, F.A. | $280,000 | $305,000 | 8.9% | 0.0% |
| LIBERTY HOME MORTGAGE CORPORATION | $180,000 | $305,000 | 69.4% | 0.0% |
| VAN DYK MORTGAGE CORPORATION | $195,000 | $305,000 | 56.4% | 0.0% |
| Arvest Bank | $175,000 | $295,000 | 68.6% | 0.0% |
| First Home Bank | $295,000 | n/a | 0.0% | |
| PLANET HOME LENDING, LLC | $345,000 | $295,000 | -14.5% | 0.0% |
| FBC MORTGAGE, LLC | $155,000 | $285,000 | 83.9% | 0.0% |
| FLAT BRANCH MORTGAGE, INC. | $285,000 | $285,000 | 0.0% | 0.0% |
| LGE COMMUNITY | $125,000 | $285,000 | 128.0% | 0.0% |
| Logan Finance Corporation | $285,000 | n/a | 0.0% | |
| Morgan Stanley Private Bank | $285,000 | n/a | 0.0% | |
| DRAPER AND KRAMER MORTGAGE CORP. | $275,000 | n/a | 0.0% | |
| Third Federal Savings and Loan Association of Cleveland | $55,000 | $275,000 | 400.0% | 0.0% |
| MID AMERICA MORTGAGE, INC. | $170,000 | $270,000 | 58.8% | 0.0% |
| Amerifirst Financial, Inc. | $135,000 | $260,000 | 92.6% | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | $305,000 | $255,000 | -16.4% | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $85,000 | $245,000 | 188.2% | 0.0% |
| CityWorth Mortgage LLC | $245,000 | n/a | 0.0% | |
| ENVOY MORTGAGE, LTD | $55,000 | $245,000 | 345.5% | 0.0% |
| Figure Lending LLC | $100,000 | $245,000 | 145.0% | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $105,000 | $235,000 | 123.8% | 0.0% |
| BAY EQUITY LLC | $165,000 | $235,000 | 42.4% | 0.0% |
| Five Star Credit Union | $65,000 | $235,000 | 261.5% | 0.0% |
| GEORGIA UNITED | $285,000 | $235,000 | -17.5% | 0.0% |
| LEADERONE FINANCIAL CORPORATION | $270,000 | $235,000 | -13.0% | 0.0% |
| SOUTHEAST MORTGAGE OF GEORGIA, INC. | $525,000 | $235,000 | -55.2% | 0.0% |
| STEARNS LENDING, LLC | $5,465,000 | $235,000 | -95.7% | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | $225,000 | n/a | 0.0% | |
| HomePromise Corporation | $225,000 | n/a | 0.0% | |
| LENDSURE MORTGAGE CORP. | $225,000 | n/a | 0.0% | |
| Mainstreet Community Bank of Florida | $225,000 | n/a | 0.0% | |
| POLARIS HOME FUNDING CORP. | $215,000 | $225,000 | 4.7% | 0.0% |
| Wyndham Capital Mortgage, Inc. | $1,320,000 | $225,000 | -83.0% | 0.0% |
| Discover Bank | $360,000 | $220,000 | -38.9% | 0.0% |
| CREDIT UNION FINANCIAL SERVICES, LLC | $215,000 | n/a | 0.0% | |
| GEORGIA'S OWN | $260,000 | $215,000 | -17.3% | 0.0% |
| University Bank | $215,000 | n/a | 0.0% | |
| Capital City Bank | $210,000 | n/a | 0.0% | |
| DELMAR FINANCIAL COMPANY | $210,000 | n/a | 0.0% | |
| CALCON MUTUAL MORTGAGE LLC | $205,000 | n/a | 0.0% | |
| Credence Funding Corporation | $205,000 | n/a | 0.0% | |
| First Horizon Bank | $755,000 | $205,000 | -72.8% | 0.0% |
| First United Bank and Trust Company | $205,000 | n/a | 0.0% | |
| SUMMIT FUNDING, INC. | $205,000 | n/a | 0.0% | |
| ASPIRE FINANCIAL, INC. | $195,000 | n/a | 0.0% | |
| NFM, INC. | $390,000 | $195,000 | -50.0% | 0.0% |
| Peoples Bank | $195,000 | n/a | 0.0% | |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $1,190,000 | $195,000 | -83.6% | 0.0% |
| SOUTHERN TRUST MORTGAGE, LLC | $195,000 | n/a | 0.0% | |
| Loan Simple, Inc. | $190,000 | n/a | 0.0% | |
| Bell Bank | $185,000 | n/a | 0.0% | |
| FIRST FLORIDA Credit Union | $265,000 | $185,000 | -30.2% | 0.0% |
| F&M Bank | $185,000 | n/a | 0.0% | |
| MIDLAND MORTGAGE CORPORATION | $185,000 | n/a | 0.0% | |
| BAYSHORE MORTGAGE FUNDING, LLC | $175,000 | $180,000 | 2.9% | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | $1,175,000 | $175,000 | -85.1% | 0.0% |
| Community First National Bank | $175,000 | n/a | 0.0% | |
| AMERICAN INTERNET MORTGAGE, INC. | $105,000 | $165,000 | 57.1% | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $1,535,000 | $155,000 | -89.9% | 0.0% |
| JAMES B. NUTTER & COMPANY | $155,000 | n/a | 0.0% | |
| OAKTREE FUNDING CORP. | $155,000 | n/a | 0.0% | |
| WRIGHT-PATT CREDIT UNION, INC. | $155,000 | n/a | 0.0% | |
| LENDINGHOME FUNDING CORPORATION | $370,000 | $150,000 | -59.5% | 0.0% |
| ALLEGACY FEDERAL CREDIT UNION | $145,000 | n/a | 0.0% | |
| Texana Bank | $145,000 | n/a | 0.0% | |
| AMERICAN PORTFOLIO MORTGAGE CORPORATION | $135,000 | n/a | 0.0% | |
| CREDIT HUMAN FEDERAL CREDIT UNION | $65,000 | $135,000 | 107.7% | 0.0% |
| EVANSVILLE TEACHERS | $135,000 | n/a | 0.0% | |
| First National Bank | $135,000 | n/a | 0.0% | |
| HOMEXPRESS MORTGAGE CORP. | $135,000 | n/a | 0.0% | |
| Union Savings Bank | $135,000 | n/a | 0.0% | |
| City Bank | $125,000 | n/a | 0.0% | |
| FAIRWINDS CREDIT UNION | $125,000 | n/a | 0.0% | |
| Metro City Bank | $125,000 | n/a | 0.0% | |
| NATIONWIDE MORTGAGE BANKERS, INC. | $440,000 | $125,000 | -71.6% | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | $715,000 | $125,000 | -82.5% | 0.0% |
| Tyndall Federal Credit Union | $55,000 | $120,000 | 118.2% | 0.0% |
| CSL Financial, LLC | $115,000 | n/a | 0.0% | |
| ROBINS FINANCIAL | $110,000 | n/a | 0.0% | |
| EMBRACE HOME LOANS, INC. | $105,000 | n/a | 0.0% | |
| Envision Credit Union | $760,000 | $105,000 | -86.2% | 0.0% |
| SILVER HILL FUNDING, LLC | $105,000 | n/a | 0.0% | |
| ACOPIA, LLC | $540,000 | $85,000 | -84.3% | 0.0% |
| REVERSE MORTGAGE FUNDING LLC | $85,000 | n/a | 0.0% | |
| South State Bank | $1,485,000 | $85,000 | -94.3% | 0.0% |
| Baxter Credit Union | $490,000 | $75,000 | -84.7% | 0.0% |
| Towne Bank | $75,000 | n/a | 0.0% | |
| Bank of England | $805,000 | $65,000 | -91.9% | 0.0% |
| BankSouth | $65,000 | n/a | 0.0% | |
| TENNESSEE VALLEY | $65,000 | n/a | 0.0% | |
| First State Bank of Blakely, Inc. | $55,000 | n/a | 0.0% | |
| Mortgage Assurance Inc. | $175,000 | $55,000 | -68.6% | 0.0% |
| ALLIANT CREDIT UNION | $205,000 | $35,000 | -82.9% | 0.0% |
| Citibank | $125,000 | $35,000 | -72.0% | 0.0% |
| Georgia Banking Company | $15,000 | n/a | 0.0% |
VALDOSTA's top lender by overall market share is Mortgage Research Center, LLC, with 7.5% market share. In second place, with 7.0%, is Ameris Bank, having originated $56,985,000 in loans. In third place, with 6.5%, is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, having originated $53,410,000 in loans. In fourth place, with 5.2%, is QUICKEN LOANS, LLC, having originated $42,730,000 in loans. In fifth place, with 5.1%, is First Federal Savings and Loan Association of Valdosta, having originated $41,500,000 in loans.
VALDOSTA, GA Average Rent (2023)
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| Zip Code | Metro | Studio Apartment Rent | 1BR Apartment Rent | 2BR Apartment Rent | 3BR Apartment Rent | 4BR Apartment Rent |
|---|---|---|---|---|---|---|
| 31601 | Valdosta, GA | $570 | $570 | $740 | $1,030 | $1,220 |
| 31602 | Valdosta, GA | $670 | $680 | $880 | $1,220 | $1,450 |
| 31603 | Valdosta, GA | $650 | $660 | $850 | $1,180 | $1,400 |
| 31604 | Valdosta, GA | $650 | $660 | $850 | $1,180 | $1,400 |
| 31605 | Valdosta, GA | $810 | $810 | $1,050 | $1,460 | $1,730 |
| 31606 | Valdosta, GA | $540 | $540 | $700 | $990 | $1,200 |
| 31625 | Valdosta, GA | $670 | $670 | $870 | $1,210 | $1,440 |
| 31626 | Valdosta, GA | $620 | $630 | $810 | $1,130 | $1,340 |
| 31629 | Valdosta, GA | $570 | $580 | $750 | $1,040 | $1,230 |
| 31630 | Valdosta, GA | $540 | $540 | $700 | $990 | $1,200 |
| 31631 | Valdosta, GA | $540 | $540 | $700 | $990 | $1,200 |
| 31632 | Valdosta, GA | $870 | $880 | $1,140 | $1,590 | $1,880 |
| 31635 | Valdosta, GA | $580 | $580 | $750 | $1,040 | $1,240 |
| 31636 | Valdosta, GA | $600 | $600 | $780 | $1,090 | $1,290 |
| 31638 | Valdosta, GA | $570 | $570 | $740 | $1,030 | $1,220 |
| 31639 | Valdosta, GA | $600 | $600 | $780 | $1,090 | $1,290 |
| 31641 | Valdosta, GA | $610 | $610 | $790 | $1,100 | $1,310 |
| 31643 | Valdosta, GA | $540 | $550 | $710 | $990 | $1,200 |
| 31645 | Valdosta, GA | $600 | $600 | $780 | $1,090 | $1,290 |
| 31648 | Valdosta, GA | $550 | $560 | $720 | $1,000 | $1,200 |
| 31649 | Valdosta, GA | $560 | $560 | $730 | $1,020 | $1,260 |
| 31698 | Valdosta, GA | $650 | $660 | $850 | $1,180 | $1,400 |
| 31699 | Valdosta, GA | $810 | $810 | $1,050 | $1,460 | $1,730 |
| 31720 | Valdosta, GA | $610 | $610 | $790 | $1,100 | $1,310 |
| 31778 | Valdosta, GA | $540 | $540 | $700 | $990 | $1,200 |
| 31788 | Valdosta, GA | $580 | $580 | $750 | $1,040 | $1,240 |
2022 Average & Median Rent Data Statistics
VALDOSTA, GA average 1BR rent: $623, median: $600
VALDOSTA, GA average 2BR rent: $806, median: $780
VALDOSTA, GA average 3BR rent: $1,124, median: $1,090
VALDOSTA, GA Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 2,361 | $562,225,000 | $238,130 |
| Refi | 724 | $130,880,000 | $180,773 |
| Cash Out Refi | 487 | $92,485,000 | $189,908 |
| Other | 118 | $22,220,000 | $188,305 |
| Home Improvement | 98 | $7,960,000 | $81,224 |
| NA | 7 | $365,000 | $52,143 |
Valdosta's most frequently cited loan purpose was Home Purchase, with 2,361 originations. The 2nd most popular reason was Refi, with 724 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 5-6% | 836 | $173,830,000 | $207,931 |
| 4-5% | 763 | $210,355,000 | $275,695 |
| 3-4% | 698 | $155,130,000 | $222,249 |
| 6-7% | 381 | $73,275,000 | $192,323 |
| 2.5-3% | 187 | $41,055,000 | $219,545 |
| 7-8% | 122 | $18,600,000 | $152,459 |
| <2.5% | 59 | $10,405,000 | $176,356 |
| Over 8% | 52 | $5,570,000 | $107,115 |
During 2022, Valdosta's most frequently originated rate bucket was 5-6%, with 836 originations.
Loan Sizing (VALDOSTA, GA MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $100k-200k | 1,460 | $221,370,000 | $151,623 |
| $200k-400k | 1,318 | $351,050,000 | $266,351 |
| $100,000 or less | 791 | $46,225,000 | $58,439 |
| $400k-600k | 172 | $78,980,000 | $459,186 |
| $600k-1000k | 30 | $21,880,000 | $729,333 |
| $Over $1MM | 24 | $96,630,000 | $4,026,250 |
VALDOSTA's loan sizing saw the bucket of loans from $100k-200k with 1,460 originations, totaling $221,370,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 1,636 | $365,990,000 | $223,710 |
| 60-80% | 630 | $189,380,000 | $300,603 |
| 40-60% | 270 | $52,890,000 | $195,889 |
| Over 100% | 232 | $63,550,000 | $273,922 |
| 20-40% | 185 | $20,685,000 | $111,811 |
| Under 20% | 125 | $5,195,000 | $41,560 |
VALDOSTA's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 1,636 originations, totaling $365,990,000 in origination value.