VALDOSTA Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Valdosta averaged
7%
for the week of 2025-07-10, compared to the national average of
6.72% for the same period.
The average rate for the prior week (2025-07-03) was
6.65% and
one month ago for the week of 2025-06-05, the
average rate was 7.03%.
Valdosta's average rate one year ago was 7.23%.
For refis of the same type during the week of 2025-07-10, the average rate
was 7.32%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-07-10 | 6.72% |
| Valdosta 30 Year Fixed Rate | 2025-07-10 | 7% |
| Valdosta 30 Year Fixed Rate Refi | 2025-07-10 | 7.32% |
| Valdosta 15 Year Fixed Rate | 2025-07-10 | 6.06% |
| Valdosta 15 Year Fixed Rate Refi | 2025-07-10 | 5.76% |
| Valdosta 30 Year FHA | 2025-07-10 | 6.45% |
| Valdosta 30 Year FHA Refi | 2025-07-10 | 6.32% |
| Valdosta 30 Year USDA | 2025-07-10 | 6.45% |
| Valdosta 30 Year USDA Refi | 2025-07-10 | 6.65% |
| Valdosta 30 Year VA | 2025-07-10 | 6.14% |
| Valdosta 30 Year VA Refi | 2025-07-10 | 5.97% |
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 95 lenders originated 3,030
loans during 2024. The total origination value was $664,950,000, with an average loan value of
$219,455.
VALDOSTA's average closing costs are $5,737.
The top VALDOSTA lender as defined by loan originations is QUICKEN LOANS, LLC, with
73 loans originated. Their average total fees are
$6,989, which is $1,285
higher than the next largest lender,
Ameris Bank.
The lowest fee VALDOSTA lenders (with over 10 loans originated) are
SOUTHEASTERN Credit Union ($2,531), JPMorgan Chase Bank ($3,909), Colony Bank ($4,431), Truist ($4,879) and Ameris Bank ($5,704).
The lowest rate VALDOSTA lenders (with over 10 loans originated) are
UNITED WHOLESALE MORTGAGE, LLC (6.50%), JPMorgan Chase Bank (6.52%), NAVY FEDERAL CREDIT UNION (6.67%), Renasant Bank (6.71%) and Colony Bank (6.71%).
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 | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| Ameris Bank | $36,895,000 | $57,435,000 | 55.7% | 8.6% |
| DHI MORTGAGE COMPANY, LTD. | $17,575,000 | $41,280,000 | 134.9% | 6.2% |
| Mortgage Research Center, LLC | $40,135,000 | $38,105,000 | -5.1% | 5.7% |
| UNITED WHOLESALE MORTGAGE, LLC | $19,835,000 | $34,940,000 | 76.2% | 5.3% |
| QUICKEN LOANS, LLC | $25,810,000 | $32,435,000 | 25.7% | 4.9% |
| First Federal Savings and Loan Association of Valdosta | $25,975,000 | $31,510,000 | 21.3% | 4.7% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $25,430,000 | $31,340,000 | 23.2% | 4.7% |
| Guardian Bank | $14,125,000 | $26,115,000 | 84.9% | 3.9% |
| BANKSOUTH MORTGAGE COMPANY, LLC | $12,220,000 | $21,845,000 | 78.8% | 3.3% |
| Prudential Huntoon Paige Associates, LLC | $19,575,000 | n/a | 2.9% | |
| Farmers & Merchants Bank | $15,475,000 | $19,570,000 | 26.5% | 2.9% |
| Commercial Banking Company | $16,865,000 | $16,680,000 | -1.1% | 2.5% |
| FREEDOM MORTGAGE CORPORATION | $4,140,000 | $15,205,000 | 267.3% | 2.3% |
| NAVY FEDERAL CREDIT UNION | $12,770,000 | $12,435,000 | -2.6% | 1.9% |
| SOUTHEASTERN Credit Union | $10,310,000 | $10,840,000 | 5.1% | 1.6% |
| Citizens Community Bank | $6,300,000 | $10,410,000 | 65.2% | 1.6% |
| Renasant Bank | $13,070,000 | $10,280,000 | -21.3% | 1.5% |
| The First, A National Banking Association | $7,725,000 | $8,155,000 | 5.6% | 1.2% |
| PENNYMAC LOAN SERVICES, LLC | $4,780,000 | $7,740,000 | 61.9% | 1.2% |
| Colony Bank | $9,475,000 | $7,175,000 | -24.3% | 1.1% |
| FIRST COMMERCE CREDIT UNION | $3,385,000 | $6,115,000 | 80.6% | 0.9% |
| GREYSTONE SERVICING COMPANY LLC | $6,045,000 | n/a | 0.9% | |
| Webster Bank | $6,045,000 | n/a | 0.9% | |
| CROSSCOUNTRY MORTGAGE, LLC | $2,405,000 | $5,620,000 | 133.7% | 0.8% |
| Synovus Bank | $7,830,000 | $5,490,000 | -29.9% | 0.8% |
| STOCKTON MORTGAGE CORPORATION | $4,100,000 | $5,025,000 | 22.6% | 0.8% |
| Truist | $3,715,000 | $4,890,000 | 31.6% | 0.7% |
| BROKER SOLUTIONS, INC. | $3,600,000 | $4,460,000 | 23.9% | 0.7% |
| NBKC BANK | $5,355,000 | $4,275,000 | -20.2% | 0.6% |
| 21ST MORTGAGE CORPORATION | $1,675,000 | $4,195,000 | 150.4% | 0.6% |
| Bank of America | $2,765,000 | $4,040,000 | 46.1% | 0.6% |
| The Citizens National Bank of Quitman | $3,845,000 | $3,890,000 | 1.2% | 0.6% |
| Flagstar Bank, FSB | $3,405,000 | $3,845,000 | 12.9% | 0.6% |
| JPMorgan Chase Bank | $3,070,000 | $3,765,000 | 22.6% | 0.6% |
| LOANDEPOT.COM, LLC | $4,325,000 | $3,755,000 | -13.2% | 0.6% |
| CARDINAL FINANCIAL | $1,920,000 | $3,130,000 | 63.0% | 0.5% |
| USAA Federal Savings Bank | $9,340,000 | $3,125,000 | -66.5% | 0.5% |
| GUILD MORTGAGE COMPANY | $2,045,000 | $3,035,000 | 48.4% | 0.5% |
| Mr. Cooper ( Nationstar Mortgage ) | $3,530,000 | $2,840,000 | -19.5% | 0.4% |
| PLANET HOME LENDING, LLC | $2,755,000 | n/a | 0.4% | |
| VILLAGE CAPITAL MORTGAGE | $685,000 | $2,730,000 | 298.5% | 0.4% |
| Equity Prime Mortgage LLC | $1,440,000 | $2,620,000 | 81.9% | 0.4% |
| Barrington Bank & Trust Company, N.A. | $1,490,000 | $2,365,000 | 58.7% | 0.4% |
| CANOPY MORTGAGE, LLC | $1,265,000 | $2,335,000 | 84.6% | 0.4% |
| Wells Fargo Bank | $2,695,000 | $2,305,000 | -14.5% | 0.3% |
| Bank OZK | $255,000 | $2,070,000 | 711.8% | 0.3% |
| Pineland Bank | $1,950,000 | n/a | 0.3% | |
| PrimeSouth Bank | $160,000 | $1,935,000 | 1,109.4% | 0.3% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $995,000 | $1,785,000 | 79.4% | 0.3% |
| HOMESIDE FINANCIAL, LLC | $975,000 | $1,770,000 | 81.5% | 0.3% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $560,000 | $1,770,000 | 216.1% | 0.3% |
| NEW DAY FINANCIAL, LLC | $2,370,000 | $1,690,000 | -28.7% | 0.3% |
| CMG MORTGAGE, INC. | $895,000 | $1,670,000 | 86.6% | 0.3% |
| AMERICAN FINANCIAL NETWORK, INC. | $1,705,000 | $1,535,000 | -10.0% | 0.2% |
| FIRST COMMUNITY MORTGAGE, INC. | $1,365,000 | n/a | 0.2% | |
| NEWREZ LLC | $535,000 | $1,295,000 | 142.1% | 0.2% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | $435,000 | $1,265,000 | 190.8% | 0.2% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $645,000 | $1,245,000 | 93.0% | 0.2% |
| LAKEVIEW LOAN SERVICING, LLC | $1,030,000 | $1,245,000 | 20.9% | 0.2% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $3,160,000 | $1,230,000 | -61.1% | 0.2% |
| LOANPAL, LLC | $115,000 | $1,220,000 | 960.9% | 0.2% |
| Prosperity Home Mortgage, LLC | $785,000 | $1,140,000 | 45.2% | 0.2% |
| ALLIANT CREDIT UNION | $55,000 | $1,075,000 | 1,854.5% | 0.2% |
| South State Bank | $1,315,000 | $1,070,000 | -18.6% | 0.2% |
| NexBank | $245,000 | $1,030,000 | 320.4% | 0.2% |
| Plains Commerce Bank | $905,000 | $1,020,000 | 12.7% | 0.2% |
| GARDNER FINANCIAL SERVICES, LTD. | $1,010,000 | n/a | 0.2% | |
| SmartBank | $1,005,000 | n/a | 0.2% | |
| MOVEMENT MORTGAGE, LLC | $1,040,000 | $995,000 | -4.3% | 0.1% |
| Carrington Mortgage Services, LLC | $1,595,000 | $970,000 | -39.2% | 0.1% |
| TRIAD FINANCIAL SERVICES, INC. | $115,000 | $935,000 | 713.0% | 0.1% |
| First National Bank of Pennsylvania | $335,000 | $930,000 | 177.6% | 0.1% |
| AMERICAN FINANCING CORPORATION | $535,000 | $925,000 | 72.9% | 0.1% |
| Magnolia Bank | $925,000 | n/a | 0.1% | |
| Regions Bank | $2,640,000 | $915,000 | -65.3% | 0.1% |
| First Federal Bank | $970,000 | $870,000 | -10.3% | 0.1% |
| AMERISAVE MORTGAGE CORPORATION | $2,740,000 | $855,000 | -68.8% | 0.1% |
| NP, Inc. | $855,000 | n/a | 0.1% | |
| First Reliance Bank | $835,000 | n/a | 0.1% | |
| GUARANTEED RATE, INC. | $2,465,000 | $825,000 | -66.5% | 0.1% |
| Lakeview Community Capital, LLC | $280,000 | $820,000 | 192.9% | 0.1% |
| GMFS LLC | $215,000 | $815,000 | 279.1% | 0.1% |
| PNC Bank | $875,000 | $785,000 | -10.3% | 0.1% |
| SOUTHWEST STAGE FUNDING, LLC | $590,000 | $785,000 | 33.1% | 0.1% |
| Stifel Bank and Trust | $405,000 | $765,000 | 88.9% | 0.1% |
| BETTER MORTGAGE CORPORATION | $215,000 | $760,000 | 253.5% | 0.1% |
| PENTAGON FEDERAL CREDIT UNION | $1,770,000 | $760,000 | -57.1% | 0.1% |
| The Federal Savings Bank | $2,865,000 | $735,000 | -74.3% | 0.1% |
| 1ST SIGNATURE LENDING, LLC | $1,715,000 | $720,000 | -58.0% | 0.1% |
| AmeriHome Mortgage Company, LLC | $720,000 | n/a | 0.1% | |
| First Horizon Bank | $415,000 | $715,000 | 72.3% | 0.1% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $795,000 | $710,000 | -10.7% | 0.1% |
| ACOPIA, LLC | $115,000 | $705,000 | 513.0% | 0.1% |
| The Central Trust Bank | $255,000 | $700,000 | 174.5% | 0.1% |
| M&T Bank | $695,000 | n/a | 0.1% | |
| CHURCHILL MORTGAGE CORPORATION | $685,000 | n/a | 0.1% | |
| RELIANCE FIRST CAPITAL, LLC | $650,000 | $685,000 | 5.4% | 0.1% |
| Figure Lending LLC | $605,000 | $635,000 | 5.0% | 0.1% |
| Mid-Continent Funding, Inc. | $975,000 | $610,000 | -37.4% | 0.1% |
| LENDINGHOME FUNDING CORPORATION | $935,000 | $600,000 | -35.8% | 0.1% |
| NATIONS DIRECT MORTGAGE, LLC | $585,000 | n/a | 0.1% | |
| Nations Lending Corporation | $280,000 | $580,000 | 107.1% | 0.1% |
| PREMIA MORTGAGE, LLC | $560,000 | n/a | 0.1% | |
| Baxter Credit Union | $215,000 | $555,000 | 158.1% | 0.1% |
| PLAZA HOME MORTGAGE, INC. | $305,000 | $545,000 | 78.7% | 0.1% |
| Capital City Home Loans, LLC | $825,000 | $520,000 | -37.0% | 0.1% |
| EVERETT FINANCIAL, INC. | $905,000 | $510,000 | -43.6% | 0.1% |
| ENDEAVOR CAPITAL, LLC. | $505,000 | n/a | 0.1% | |
| SUN WEST MORTGAGE COMPANY, INC. | $505,000 | n/a | 0.1% | |
| ROYAL UNITED MORTGAGE LLC | $410,000 | $500,000 | 22.0% | 0.1% |
| SWBC MORTGAGE CORPORATION | $495,000 | n/a | 0.1% | |
| OCMBC, INC. | $720,000 | $490,000 | -31.9% | 0.1% |
| Presidential Bank, FSB | $490,000 | n/a | 0.1% | |
| Old National Bank | $485,000 | n/a | 0.1% | |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $185,000 | $475,000 | 156.8% | 0.1% |
| UNION HOME MORTGAGE CORP. | $795,000 | $475,000 | -40.3% | 0.1% |
| MILEND, INC. | $700,000 | $470,000 | -32.9% | 0.1% |
| VERITAS FUNDING, LLC | $225,000 | $470,000 | 108.9% | 0.1% |
| NORWICH COMMERCIAL GROUP, INC. | $465,000 | n/a | 0.1% | |
| The Loan Store, Inc. | $440,000 | n/a | 0.1% | |
| Discover Bank | $820,000 | $430,000 | -47.6% | 0.1% |
| PHH Mortgage Corporation | $300,000 | $420,000 | 40.0% | 0.1% |
| GUARANTEED RATE AFFINITY, LLC | $415,000 | n/a | 0.1% | |
| AMERICAN INTERNET MORTGAGE, INC. | $405,000 | n/a | 0.1% | |
| CAMPUS USA | $405,000 | n/a | 0.1% | |
| Citizens Bank | $825,000 | $385,000 | -53.3% | 0.1% |
| EMM LOANS LLC | $380,000 | $380,000 | 0.0% | 0.1% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | $375,000 | n/a | 0.1% | |
| Armed Forces Bank | $355,000 | n/a | 0.1% | |
| RESIDENTIAL BANCORP | $165,000 | $355,000 | 115.2% | 0.1% |
| University Bank | $325,000 | $355,000 | 9.2% | 0.1% |
| Ally Bank | $350,000 | n/a | 0.1% | |
| STATE EMPLOYEES' | $35,000 | $345,000 | 885.7% | 0.1% |
| Third Federal Savings and Loan Association of Cleveland | $215,000 | $345,000 | 60.5% | 0.1% |
| Encompass Lending Group, LP | $340,000 | n/a | 0.1% | |
| Metro City Bank | $340,000 | n/a | 0.1% | |
| ROBINS FINANCIAL | $190,000 | $340,000 | 78.9% | 0.1% |
| SIRVA MORTGAGE, INC. | $275,000 | $335,000 | 21.8% | 0.1% |
| NEXERA HOLDING LLC | $330,000 | n/a | 0.0% | |
| ALLIED MORTGAGE GROUP, INC. | $295,000 | $325,000 | 10.2% | 0.0% |
| AMERICAN HERITAGE LENDING, INC. | $95,000 | $325,000 | 242.1% | 0.0% |
| Core Bank | $325,000 | n/a | 0.0% | |
| LONGBRIDGE FINANCIAL, LLC | $325,000 | n/a | 0.0% | |
| SOUTHEAST MORTGAGE OF GEORGIA, INC. | $340,000 | $325,000 | -4.4% | 0.0% |
| Stride Bank | $325,000 | n/a | 0.0% | |
| U.S. Bank | $595,000 | $325,000 | -45.4% | 0.0% |
| VAN DYK MORTGAGE CORPORATION | $320,000 | n/a | 0.0% | |
| BancorpSouth | $505,000 | $315,000 | -37.6% | 0.0% |
| CONSTRUCTIVE LOANS, LLC | $315,000 | n/a | 0.0% | |
| First-Citizens Bank & Trust Company | $205,000 | $315,000 | 53.7% | 0.0% |
| JMAC LENDING, INC. | $305,000 | n/a | 0.0% | |
| BAY EQUITY LLC | $295,000 | n/a | 0.0% | |
| CLEARPATH LENDING | $265,000 | $295,000 | 11.3% | 0.0% |
| Mortgage Assurance Inc. | $295,000 | n/a | 0.0% | |
| Atlantic Coast Mortgage, LLC | $285,000 | n/a | 0.0% | |
| SOUTHPOINT FINANCIAL SERVICES, INC. | $405,000 | $280,000 | -30.9% | 0.0% |
| Alcova Mortgage LLC | $265,000 | n/a | 0.0% | |
| The Huntington National Bank | $265,000 | n/a | 0.0% | |
| Century Mortgage Company DBA Century Lending Company | $585,000 | $255,000 | -56.4% | 0.0% |
| Heritage Bank | $255,000 | n/a | 0.0% | |
| NJ LENDERS CORP. | $255,000 | n/a | 0.0% | |
| Service Federal Credit Union | $600,000 | $250,000 | -58.3% | 0.0% |
| Servion, Inc. | $245,000 | n/a | 0.0% | |
| CSL Financial, LLC | $240,000 | n/a | 0.0% | |
| Bank of England | $235,000 | n/a | 0.0% | |
| MORTGAGE INVESTORS GROUP, INC. | $265,000 | $235,000 | -11.3% | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $285,000 | $235,000 | -17.5% | 0.0% |
| Tyndall Federal Credit Union | $295,000 | $235,000 | -20.3% | 0.0% |
| OPEN MORTGAGE, LLC | $230,000 | n/a | 0.0% | |
| LIBERTY HOME MORTGAGE CORPORATION | $235,000 | $225,000 | -4.3% | 0.0% |
| Academy Bank | $215,000 | n/a | 0.0% | |
| CALCON MUTUAL MORTGAGE LLC | $165,000 | $215,000 | 30.3% | 0.0% |
| Credence Funding Corporation | $215,000 | n/a | 0.0% | |
| First Heritage Mortgage, LLC | $215,000 | n/a | 0.0% | |
| Cornerstone First Mortgage, Inc | $405,000 | $205,000 | -49.4% | 0.0% |
| Paramount Residential Mortgage Group, Inc. | $1,110,000 | $205,000 | -81.5% | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | $145,000 | $205,000 | 41.4% | 0.0% |
| Watermark Capital, Inc. | $205,000 | n/a | 0.0% | |
| Trustmark National Bank | $195,000 | n/a | 0.0% | |
| LIMA ONE CAPITAL, LLC | $2,325,000 | $185,000 | -92.0% | 0.0% |
| Commerce Home Mortgage, Inc. | $290,000 | $175,000 | -39.7% | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | $145,000 | $175,000 | 20.7% | 0.0% |
| Waterstone Mortgage Corporation | $175,000 | n/a | 0.0% | |
| BankSouth | $360,000 | $160,000 | -55.6% | 0.0% |
| AMWEST FUNDING CORP. | $350,000 | $145,000 | -58.6% | 0.0% |
| CREDIT UNION FINANCIAL SERVICES, LLC | $165,000 | $145,000 | -12.1% | 0.0% |
| DAS Acquisition Company, LLC | $255,000 | $145,000 | -43.1% | 0.0% |
| Ixonia Bank | $245,000 | $145,000 | -40.8% | 0.0% |
| LENDSURE MORTGAGE CORP. | $145,000 | n/a | 0.0% | |
| MID AMERICA MORTGAGE, INC. | $120,000 | $145,000 | 20.8% | 0.0% |
| ABSOLUTE HOME MORTGAGE CORPORATION | $135,000 | n/a | 0.0% | |
| First Option Mortgage, LLC | $930,000 | $135,000 | -85.5% | 0.0% |
| Logan Finance Corporation | $135,000 | n/a | 0.0% | |
| Peoples Bank | $135,000 | n/a | 0.0% | |
| Republic Bank & Trust Company | $135,000 | n/a | 0.0% | |
| TJC Mortgage, Inc. | $235,000 | $125,000 | -46.8% | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | $115,000 | $115,000 | 0.0% | 0.0% |
| NATIONS RELIABLE LENDING, LLC | $135,000 | $105,000 | -22.2% | 0.0% |
| MYCUMORTGAGE, LLC | $95,000 | n/a | 0.0% | |
| River City Bank | $95,000 | n/a | 0.0% | |
| CHEVRON | $75,000 | n/a | 0.0% | |
| FINANCE OF AMERICA REVERSE LLC | $105,000 | $75,000 | -28.6% | 0.0% |
| GTE Federal Credit Union | $75,000 | n/a | 0.0% | |
| RUOFF MORTGAGE COMPANY, INC. | $75,000 | n/a | 0.0% | |
| Bethpage Federal Credit Union | $65,000 | n/a | 0.0% | |
| HomeTrust Bank | $65,000 | n/a | 0.0% | |
| SPRING EQ, LLC | $120,000 | $65,000 | -45.8% | 0.0% |
| Associated Credit Union | $55,000 | n/a | 0.0% | |
| JUSTICE Federal Credit Union | $55,000 | n/a | 0.0% | |
| Community Bank of Mississippi | $45,000 | n/a | 0.0% | |
| FEDEX EMPLOYEES CREDIT ASSOCIATION | $235,000 | $45,000 | -80.9% | 0.0% |
| LGE COMMUNITY | $45,000 | n/a | 0.0% | |
| GEORGIA UNITED | $35,000 | n/a | 0.0% | |
| VYSTAR | $50,000 | $35,000 | -30.0% | 0.0% |
VALDOSTA's top lender by overall market share is Ameris Bank, with 8.6% market share. In second place, with 6.2%, is DHI MORTGAGE COMPANY, LTD., having originated $41,280,000 in loans. In third place, with 5.7%, is Mortgage Research Center, LLC, having originated $38,105,000 in loans. In fourth place, with 5.3%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $34,940,000 in loans. In fifth place, with 4.9%, is QUICKEN LOANS, LLC, having originated $32,435,000 in loans.
VALDOSTA, GA Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 1,837 | $458,465,000 | $249,573 |
| Refi | 617 | $130,245,000 | $211,094 |
| Cash Out Refi | 302 | $56,490,000 | $187,053 |
| Other | 139 | $10,745,000 | $77,302 |
| Home Improvement | 120 | $7,910,000 | $65,917 |
| NA | 15 | $1,095,000 | $73,000 |
Valdosta's most frequently cited loan purpose was Home Purchase, with 1,837 originations. The 2nd most popular reason was Refi, with 617 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 1,019 | $255,365,000 | $250,604 |
| 5-6% | 486 | $142,040,000 | $292,263 |
| Over 8% | 370 | $38,660,000 | $104,486 |
| 7-8% | 366 | $77,750,000 | $212,432 |
| 4-5% | 116 | $31,020,000 | $267,414 |
| <2.5% | 27 | $1,095,000 | $40,556 |
| 2.5-3% | 11 | $2,555,000 | $232,273 |
| 3-4% | 6 | $1,580,000 | $263,333 |
During 2024, Valdosta's most frequently originated rate bucket was 6-7%, with 1,019 originations.
Loan Sizing (VALDOSTA, GA MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 1,262 | $342,310,000 | $271,244 |
| $100k-200k | 833 | $125,545,000 | $150,714 |
| $100,000 or less | 736 | $39,900,000 | $54,212 |
| $400k-600k | 136 | $63,940,000 | $470,147 |
| $600k-1000k | 43 | $32,015,000 | $744,535 |
| $Over $1MM | 20 | $61,240,000 | $3,062,000 |
VALDOSTA's loan sizing saw the bucket of loans from $200k-400k with 1,262 originations, totaling $342,310,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 1,158 | $288,470,000 | $249,111 |
| 60-80% | 368 | $116,610,000 | $316,875 |
| Over 100% | 231 | $66,555,000 | $288,117 |
| Under 20% | 197 | $9,405,000 | $47,741 |
| 20-40% | 192 | $18,070,000 | $94,115 |
| 40-60% | 170 | $29,200,000 | $171,765 |
VALDOSTA's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 1,158 originations, totaling $288,470,000 in origination value.