VALDOSTA Mortgage Rates

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

30 Year Fixed Rate mortgages in Valdosta averaged 5.38% for the week of 2022-05-19, compared to the national average of 5.25% for the same period.

The average rate for the prior week (2022-05-12) was 5.53% and one month ago for the week of 2022-04-14, the average rate was 5.13%.

Valdosta's average rate one year ago was 3.32%.

For refis of the same type during the week of 2022-05-19, the average rate was 5.51%.

Loan Type Date Rate
US 30 Year Fixed Rate 2022-05-19 5.25%
Valdosta 30 Year Fixed Rate 2022-05-19 5.38%
Valdosta 30 Year Fixed Rate Refi 2022-05-19 5.51%
Valdosta 15 Year Fixed Rate 2022-05-19 5.44%
Valdosta 15 Year Fixed Rate Refi 2022-05-19 4.65%
Valdosta 30 Year FHA 2022-05-19 5.48%
Valdosta 30 Year FHA Refi 2022-05-19 5.37%
Valdosta 30 Year USDA 2022-05-19 5.2%
Valdosta 30 Year USDA Refi 2022-05-19 5.37%
Valdosta 30 Year VA 2022-05-19 5.18%
Valdosta 30 Year VA Refi 2022-05-19 4.93%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within VALDOSTA, GA.

VALDOSTA 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 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.).

Name # of Loans 2021 Avg. 30yFix Rate 2021 Avg. Total Fees
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 164 3.03% $4,601
QUICKEN LOANS, LLC 162 3.16% $5,214
ANGEL OAK HOME LOANS LLC 98 3.21% $4,068
Wells Fargo Bank 91 3.01% $3,914
Ameris Bank 85 3.15% $3,645
Renasant Bank 59 3.23% $4,043
LOANDEPOT.COM, LLC 30 3.09% $4,358
Synovus Bank 28 3.15% $4,796
Colony Bank 22 3.00% $3,438
HOME POINT FINANCIAL CORPORATION 22 3.29% $3,153
SOUTHEASTERN Credit Union 20 3.64% $3,592
Bank of America 18 2.93% $3,419
UNITED WHOLESALE MORTGAGE, LLC 18 3.03% $4,608
Mr. Cooper ( Nationstar Mortgage ) 18 3.31% $5,187
OPEN MORTGAGE, LLC 18 3.06% $4,676
GoPrime Mortgage, Inc. 15 3.17% $3,928
FIRST COMMERCE CREDIT UNION 15 3.18% $2,940
HOMESTAR FINANCIAL CORPORATION 14 3.04% $3,483
STEARNS LENDING, LLC 13 2.99% $5,036
AMERISAVE MORTGAGE CORPORATION 13 3.00% $4,034
BETTER MORTGAGE CORPORATION 12 3.18% $2,952
NAVY FEDERAL CREDIT UNION 12 3.99% $4,950
BROKER SOLUTIONS, INC. 12 3.10% $4,152
Truist Bank 11 3.07% $3,750
JPMorgan Chase Bank 10 3.20% $2,625
BANKSOUTH MORTGAGE COMPANY, LLC 10 3.20% $4,923
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 9 3.22% $4,660
Regions Bank 9 2.97% $3,917
PENNYMAC LOAN SERVICES, LLC 8 3.17% $4,591
CALIBER HOME LOANS, INC. 7 3.35% $4,715
Stifel Bank and Trust 6 2.83% $2,691
NexBank 6 3.06% $3,684
UNION HOME MORTGAGE CORP. 5 3.20% $4,300
AMERICAN FINANCIAL NETWORK, INC. 5 3.15% $11,308
MOVEMENT MORTGAGE, LLC 5 3.04% $3,165
MUTUAL OF OMAHA MORTGAGE, INC. 5 3.20% $3,605
NEWREZ LLC 5 3.27% $2,987
FREEDOM MORTGAGE CORPORATION 5 3.45% $4,169
SWBC MORTGAGE CORPORATION 5 3.43% $2,795
U.S. Bank 4 3.19% $3,843
ON Q FINANCIAL, INC. 4 3.19% $3,970
AMERICAN FINANCING CORPORATION 4 3.25% $3,650
HOMESIDE FINANCIAL, LLC 4 3.13% $4,218
Flagstar Bank, FSB 4 3.17% $4,148
Wyndham Capital Mortgage, Inc. 4 3.00% $2,055
Capital City Home Loans, LLC 4 3.13% $3,441
STOCKTON MORTGAGE CORPORATION 4 3.44% $4,228
TOWNE MORTGAGE COMPANY 4 3.47% $3,437
NBKC BANK 4 3.50% $3,309
Fifth Third Bank 3 3.29% $3,844
Mortgage Research Center, LLC 3 2.92% $1,102
Alcova Mortgage LLC 3 3.33% $2,663
Prime Choice Funding Inc. 3 3.33% $3,411
South State Bank 3 3.08% $5,276
InterContinental Capital Group, Inc 3 3.17% $3,976
PRIMELENDING, A PLAINSCAPITAL COMPANY 3 3.25% $3,737
MORTGAGE INVESTORS GROUP, INC. 2 2.94% $3,854
ACADEMY MORTGAGE CORPORATION 2 3.00% $2,720
LOANPAL, LLC 2 4.87% $4,367
Bank of England 2 3.06% $3,309
Bank OZK 2 4.13% $3,472
Waterstone Mortgage Corporation 2 3.38% $4,255
Baxter Credit Union 2 2.69% $3,014
PROVIDENT FUNDING ASSOCIATES, L.P. 2 2.63% $2,442
VANDERBILT MORTGAGE AND FINANCE, INC. 2 3.00% $3,788
RUOFF MORTGAGE COMPANY, INC. 2 3.38% $2,610
SECURITYNATIONAL MORTGAGE COMPANY 2 3.38% $3,030
Chicago Mortgage Solutions LLC 2 2.93% $1,746
ATLANTIC BAY MORTGAGE GROUP, L.L.C. 2 3.44% $3,071
PREMIER LENDING, INC. 2 3.63% $3,713
SOUTHEAST MORTGAGE OF GEORGIA, INC. 2 3.31% $4,637
GUARANTEED RATE, INC. 2 3.25% $3,774
PENTAGON FEDERAL CREDIT UNION 2 2.94% $4,257
Citizens Bank 2 2.94% $2,799
ZILLOW HOME LOANS, LLC 2 3.69% $5,004
HOMEBRIDGE FINANCIAL SERVICES, INC. 2 2.94% $4,455
AmeriHome Mortgage Company, LLC 2 3.25% $3,466
First Federal Bank 2 3.06% $5,282
Ally Bank 2 3.00% $2,764
TOTAL MORTGAGE SERVICES, LLC 2 3.25% $4,073
Discover Bank 2 4.37% $0
Troy Bank and Trust Company 1 3.75% $3,643
United Bank 1 5.13% $2,767
USAA Federal Savings Bank 1 3.00% $4,354
V.I.P. MORTGAGE, INC. 1 4.25% $3,181
The Huntington National Bank 1 2.75% $2,170
AgFirst Farm Credit Bank 1 3.00% $7,335
AMERICAN FINANCIAL RESOURCES, INC. 1 3.50% $2,598
American National Bank 1 3.25% $3,977
AMERICAN NATIONWIDE MORTGAGE COMPANY, INC. 1 3.63% $6,812
AMERICAN PACIFIC MORTGAGE CORPORATION 1 3.00% $3,225
Amerifirst Financial, Inc. 1 3.63% $3,674
ANGEL OAK MORTGAGE SOLUTIONS LLC 1 5.63% $9,205
Arvest Bank 1 3.38% $3,502
Atlantic Home Loans, Inc. 1 3.75% $3,551
BBVA USA 1 3.00% $5,290
BLUELEAF LENDING, LLC 1 3.00% $3,046
Blue Ridge Bank 1 3.50% $4,049
BNC National Bank 1 2.75% $2,712
BOKF 1 3.25% $3,570
BRIGHTSTAR 1 3.00% $3,083
CAMPUS USA 1 3.38% $3,025
Cf Bank 1 3.00% $2,454
CHURCHILL MORTGAGE CORPORATION 1 3.13% $4,007
COMMUNITY FIRST CREDIT UNION OF FLO 1 3.38% $2,821
DAS Acquisition Company, LLC 1 3.25% $3,536
EMM LOANS LLC 1 3.75% $7,098
Envision Credit Union 1 3.15% $3,979
ENVOY MORTGAGE, LTD 1 3.63% $4,024
FBC MORTGAGE, LLC 1 3.00% $3,368
FINANCE OF AMERICA MORTGAGE LLC 1 2.75% $1,616
Firstar Bank 1 3.00% $3,402
FirstBank 1 3.25% $2,332
First Guaranty Mortgage Corporation 1 3.38% $6,680
First Horizon Bank 1 3.00% $2,889
First Mortgage Solutions, LLC 1 2.75% $3,422
First National Bank of Pennsylvania 1 3.13% $3,827
First Reliance Bank 1 3.00% $2,550
First State Bank 1 2.88% $3,162
FLAT BRANCH MORTGAGE, INC. 1 3.25% $4,023
Fortress Bank 1 3.38% $4,213
GEORGIA UNITED 1 3.25% $4,230
GMFS LLC 1 3.00% $3,696
Goldwater Bank, N.A. 1 2.88% $3,300
GUARANTEED RATE AFFINITY, LLC 1 3.25% $2,860
Hamilton Mortgage Corporation 1 3.00% $3,047
HOMEOWNERS FINANCIAL GROUP USA, LLC 1 3.50% $3,788
HOMESTEAD FUNDING CORP. 1 2.50% $3,408
INTERLINC MORTGAGE SERVICES, LLC 1 3.20% $500
Ixonia Bank 1 3.50% $5,348
KELLER MORTGAGE, LLC 1 3.63% $3,740
KeyBank 1 3.63% $3,708
LAKEVIEW LOAN SERVICING, LLC 1 3.50% $2,545
LEADERONE FINANCIAL CORPORATION 1 3.75% $5,148
LENDERFI, INC. 1 3.00% $1,194
LOANFLIGHT LENDING, LLC 1 2.75% $2,039
Magnolia Bank 1 2.75% $3,990
MEMBER FIRST MORTGAGE, LLC 1 3.25% $2,837
MILEND, INC. 1 3.50% $5,929
Mortgage Assurance Inc. 1 2.75% $4,831
MSA MORTGAGE, LLC 1 4.00% $3,978
Nations Lending Corporation 1 2.88% $7,930
NFM, INC. 1 3.88% $2,950
NP, Inc. 1 2.75% $3,338
OCMBC, INC. 1 3.63% $9,074
Paramount Residential Mortgage Group, Inc. 1 3.13% $3,660
PHH Mortgage Corporation 1 3.38% $3,411
PREMIA MORTGAGE, LLC 1 2.50% $1,039
PRIMARY RESIDENTIAL MORTGAGE, INC. 1 2.99% $5,886
RELIANCE FIRST CAPITAL, LLC 1 3.63% $4,450
ROYAL UNITED MORTGAGE LLC 1 4.13% $6,126
S1L, Inc. 1 2.99% $3,816
Sierra Pacific Mortgage Company, Inc. 1 3.25% $4,081
SIGNATURE MORTGAGE CORPORATION 1 3.13% $3,521
SIRVA MORTGAGE, INC. 1 3.50% $296
SOUTH CAROLINA FEDERAL CREDIT UNION 1 3.00% $3,776
STATE EMPLOYEES' 1 3.25% $4,270
SUCCESS MORTGAGE PARTNERS, INC. 1 3.13% $4,479
The Federal Savings Bank 1 3.50% $8,548
The First, A National Banking Association 1 2.63% $1,736
1ST SIGNATURE LENDING, LLC 1 3.50% $5,460
THE MORTGAGE FIRM, INC. 1 3.88% $3,234
The Union Bank Company 1 2.88% $4,030
TIAA, FSB 1 3.38% $6,795
TJC Mortgage, Inc. 1 3.50% $3,552
TOP FLITE FINANCIAL, INC. 1 3.25% $6,338

VALDOSTA, GA's 166 lenders originated 5,422 loans during 2021. The total origination value was $1,071,960,000, with an average loan value of $197,706.

The top VALDOSTA lender as defined by loan originations is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, with 164 loans originated. Their average total fees are $4,601, which is $613 lower than the next largest lender, QUICKEN LOANS, LLC.

The lowest fee VALDOSTA lenders (with over 10 loans originated) are JPMorgan Chase Bank ($2,625), FIRST COMMERCE CREDIT UNION ($2,940), BETTER MORTGAGE CORPORATION ($2,952), HOME POINT FINANCIAL CORPORATION ($3,153) and Bank of America ($3,419).

The lowest rate VALDOSTA lenders (with over 10 loans originated) are Bank of America (2.93%), STEARNS LENDING, LLC (2.99%), Colony Bank (3.00%), AMERISAVE MORTGAGE CORPORATION (3.00%) and Wells Fargo Bank (3.01%).

VALDOSTA, 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
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $61,290,000 $88,780,000 44.9% 8.3%
Mortgage Research Center, LLC $62,730,000 $81,085,000 29.3% 7.6%
QUICKEN LOANS, LLC $60,475,000 $80,065,000 32.4% 7.5%
Ameris Bank $43,875,000 $51,345,000 17.0% 4.8%
ANGEL OAK HOME LOANS LLC $41,245,000 $46,100,000 11.8% 4.3%
Guardian Bank $26,270,000 $45,715,000 74.0% 4.3%
Renasant Bank $35,690,000 $43,625,000 22.2% 4.1%
First Federal Savings and Loan Association of Valdosta $24,125,000 $33,790,000 40.1% 3.2%
Wells Fargo Bank $27,970,000 $33,220,000 18.8% 3.1%
FREEDOM MORTGAGE CORPORATION $37,050,000 $30,505,000 -17.7% 2.8%
The First, A National Banking Association $25,855,000 $23,170,000 -10.4% 2.2%
Merchants Bank of Indiana $22,575,000 n/a 2.1%
Farmers & Merchants Bank $23,340,000 $21,745,000 -6.8% 2.0%
Synovus Bank $32,760,000 $20,390,000 -37.8% 1.9%
PENNYMAC LOAN SERVICES, LLC $6,355,000 $20,040,000 215.3% 1.9%
SOUTHEASTERN Credit Union $21,150,000 $18,570,000 -12.2% 1.7%
USAA Federal Savings Bank $20,920,000 $18,540,000 -11.4% 1.7%
LOANDEPOT.COM, LLC $12,960,000 $17,900,000 38.1% 1.7%
Commercial Banking Company $17,610,000 $15,900,000 -9.7% 1.5%
Colony Bank $18,375,000 $15,250,000 -17.0% 1.4%
WALKER & DUNLOP, LLC $22,695,000 $15,005,000 -33.9% 1.4%
HOME POINT FINANCIAL CORPORATION $6,325,000 $14,940,000 136.2% 1.4%
OPEN MORTGAGE, LLC $505,000 $13,870,000 2,646.5% 1.3%
UNITED WHOLESALE MORTGAGE, LLC $9,165,000 $13,115,000 43.1% 1.2%
HOMESTAR FINANCIAL CORPORATION $6,450,000 $12,610,000 95.5% 1.2%
Mr. Cooper ( Nationstar Mortgage ) $5,990,000 $10,415,000 73.9% 1.0%
NAVY FEDERAL CREDIT UNION $9,180,000 $10,065,000 9.6% 0.9%
PeoplesSouth Bank $9,290,000 n/a 0.9%
AMERISAVE MORTGAGE CORPORATION $4,070,000 $8,605,000 111.4% 0.8%
CALIBER HOME LOANS, INC. $4,520,000 $7,860,000 73.9% 0.7%
LAKEVIEW LOAN SERVICING, LLC $5,605,000 $7,285,000 30.0% 0.7%
Citizens Community Bank $12,490,000 $7,040,000 -43.6% 0.7%
Bank of America $5,990,000 $6,870,000 14.7% 0.6%
NEW DAY FINANCIAL, LLC $4,410,000 $6,375,000 44.6% 0.6%
GoPrime Mortgage, Inc. $3,225,000 $6,310,000 95.7% 0.6%
NBKC BANK $2,290,000 $6,065,000 164.8% 0.6%
BETTER MORTGAGE CORPORATION $1,370,000 $6,055,000 342.0% 0.6%
NEWREZ LLC $2,110,000 $5,475,000 159.5% 0.5%
STEARNS LENDING, LLC $4,510,000 $5,465,000 21.2% 0.5%
BROKER SOLUTIONS, INC. $4,130,000 $5,100,000 23.5% 0.5%
BANKSOUTH MORTGAGE COMPANY, LLC $710,000 $5,095,000 617.6% 0.5%
ON Q FINANCIAL, INC. $575,000 $4,700,000 717.4% 0.4%
VILLAGE CAPITAL & INVESTMENT LLC $3,605,000 $4,320,000 19.8% 0.4%
Truist Bank $3,885,000 $4,280,000 10.2% 0.4%
FIRST COMMERCE CREDIT UNION $14,640,000 $4,165,000 -71.6% 0.4%
PENTAGON FEDERAL CREDIT UNION $3,080,000 $4,070,000 32.1% 0.4%
JPMorgan Chase Bank $2,005,000 $4,065,000 102.7% 0.4%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $3,215,000 $4,035,000 25.5% 0.4%
Barrington Bank & Trust Company, N.A. $2,910,000 $3,850,000 32.3% 0.4%
AMERICAN FINANCIAL NETWORK, INC. $705,000 $3,405,000 383.0% 0.3%
MOVEMENT MORTGAGE, LLC $1,255,000 $2,955,000 135.5% 0.3%
Carrington Mortgage Services, LLC $1,430,000 $2,770,000 93.7% 0.3%
Flagstar Bank, FSB $4,035,000 $2,725,000 -32.5% 0.3%
STOCKTON MORTGAGE CORPORATION $1,445,000 $2,665,000 84.4% 0.2%
U.S. Bank $1,105,000 $2,630,000 138.0% 0.2%
Regions Bank $3,065,000 $2,600,000 -15.2% 0.2%
UNION HOME MORTGAGE CORP. $350,000 $2,425,000 592.9% 0.2%
CLEARPATH LENDING $4,735,000 $2,365,000 -50.1% 0.2%
Lakeview Community Capital, LLC $1,045,000 $2,135,000 104.3% 0.2%
HOMEBRIDGE FINANCIAL SERVICES, INC. $2,430,000 $2,095,000 -13.8% 0.2%
Stifel Bank and Trust $2,335,000 $2,080,000 -10.9% 0.2%
Low VA Rates, LLC $1,505,000 $2,055,000 36.5% 0.2%
The Federal Savings Bank $4,215,000 $2,050,000 -51.4% 0.2%
21ST MORTGAGE CORPORATION $2,570,000 $1,930,000 -24.9% 0.2%
AmeriHome Mortgage Company, LLC $260,000 $1,920,000 638.5% 0.2%
VANDERBILT MORTGAGE AND FINANCE, INC. $1,995,000 $1,645,000 -17.5% 0.2%
BNC National Bank $765,000 $1,600,000 109.2% 0.1%
PRIMELENDING, A PLAINSCAPITAL COMPANY $750,000 $1,575,000 110.0% 0.1%
NexBank $905,000 $1,570,000 73.5% 0.1%
AMERICAN PACIFIC MORTGAGE CORPORATION $495,000 $1,535,000 210.1% 0.1%
South State Bank $615,000 $1,485,000 141.5% 0.1%
Wyndham Capital Mortgage, Inc. $1,725,000 $1,320,000 -23.5% 0.1%
GMFS LLC $215,000 $1,285,000 497.7% 0.1%
KS StateBank $550,000 $1,275,000 131.8% 0.1%
1ST SIGNATURE LENDING, LLC $290,000 $1,255,000 332.8% 0.1%
AMERICAN FINANCING CORPORATION $240,000 $1,235,000 414.6% 0.1%
First Heritage Mortgage, LLC $1,195,000 n/a 0.1%
PRIMARY RESIDENTIAL MORTGAGE, INC. $815,000 $1,190,000 46.0% 0.1%
CHURCHILL MORTGAGE CORPORATION $710,000 $1,175,000 65.5% 0.1%
InterContinental Capital Group, Inc $800,000 $1,175,000 46.9% 0.1%
TOWNE MORTGAGE COMPANY $450,000 $1,150,000 155.6% 0.1%
North American Savings Bank, F.S.B. $1,480,000 $1,105,000 -25.3% 0.1%
GUARANTEED RATE, INC. $1,660,000 $1,100,000 -33.7% 0.1%
Prime Choice Funding Inc. $280,000 $1,070,000 282.1% 0.1%
MUTUAL OF OMAHA MORTGAGE, INC. $1,720,000 $1,060,000 -38.4% 0.1%
CROSSCOUNTRY MORTGAGE, LLC $1,260,000 $1,020,000 -19.0% 0.1%
Mid-Continent Funding, Inc. $550,000 $1,020,000 85.5% 0.1%
Capital City Home Loans, LLC $905,000 $995,000 9.9% 0.1%
TIAA, FSB $775,000 $910,000 17.4% 0.1%
First Federal Bank $75,000 $865,000 1,053.3% 0.1%
Blue Ridge Bank $700,000 $860,000 22.9% 0.1%
PREMIA MORTGAGE, LLC $285,000 $855,000 200.0% 0.1%
RUOFF MORTGAGE COMPANY, INC. $400,000 $855,000 113.8% 0.1%
HOMESIDE FINANCIAL, LLC $590,000 $845,000 43.2% 0.1%
GENEVA FINANCIAL, LLC $825,000 n/a 0.1%
ACADEMY MORTGAGE CORPORATION $805,000 n/a 0.1%
Bank of England $490,000 $805,000 64.3% 0.1%
Thomasville National Bank $1,125,000 $800,000 -28.9% 0.1%
Nations Lending Corporation $1,685,000 $790,000 -53.1% 0.1%
Magnolia Bank $5,685,000 $780,000 -86.3% 0.1%
GUARANTEED RATE AFFINITY, LLC $165,000 $765,000 363.6% 0.1%
Envision Credit Union $170,000 $760,000 347.1% 0.1%
First Horizon Bank $205,000 $755,000 268.3% 0.1%
NP, Inc. $470,000 $745,000 58.5% 0.1%
SUCCESS MORTGAGE PARTNERS, INC. $705,000 $715,000 1.4% 0.1%
Bank OZK $85,000 $710,000 735.3% 0.1%
Waterstone Mortgage Corporation $695,000 n/a 0.1%
Armed Forces Bank $320,000 $680,000 112.5% 0.1%
HOMESTEAD FUNDING CORP. $205,000 $680,000 231.7% 0.1%
Paramount Residential Mortgage Group, Inc. $660,000 $670,000 1.5% 0.1%
TJC Mortgage, Inc. $1,845,000 $660,000 -64.2% 0.1%
LIMA ONE CAPITAL, LLC $630,000 n/a 0.1%
ZILLOW HOME LOANS, LLC $280,000 $630,000 125.0% 0.1%
Alcova Mortgage LLC $155,000 $590,000 280.6% 0.1%
SECURITYNATIONAL MORTGAGE COMPANY $255,000 $565,000 121.6% 0.1%
TOTAL MORTGAGE SERVICES, LLC $225,000 $550,000 144.4% 0.1%
ACOPIA, LLC $215,000 $540,000 151.2% 0.1%
PROVIDENT FUNDING ASSOCIATES, L.P. $175,000 $540,000 208.6% 0.1%
Ally Bank $1,560,000 $535,000 -65.7% 0.0%
SOUTHEAST MORTGAGE OF GEORGIA, INC. $525,000 n/a 0.0%
KeyBank $520,000 n/a 0.0%
PHH Mortgage Corporation $370,000 $515,000 39.2% 0.0%
LOANFLIGHT LENDING, LLC $510,000 n/a 0.0%
Baxter Credit Union $545,000 $490,000 -10.1% 0.0%
FINANCE OF AMERICA MORTGAGE LLC $315,000 $490,000 55.6% 0.0%
Fifth Third Bank $475,000 n/a 0.0%
ATLANTA POSTAL $470,000 n/a 0.0%
First Mortgage Solutions, LLC $455,000 n/a 0.0%
PREMIER LENDING, INC. $445,000 n/a 0.0%
Colten Mortgage, LLC $565,000 $440,000 -22.1% 0.0%
EMM LOANS LLC $440,000 n/a 0.0%
FirstBank $170,000 $440,000 158.8% 0.0%
NATIONWIDE MORTGAGE BANKERS, INC. $440,000 n/a 0.0%
MILEND, INC. $570,000 $435,000 -23.7% 0.0%
MLD MORTGAGE INC. $430,000 n/a 0.0%
EVERETT FINANCIAL, INC. $545,000 $415,000 -23.9% 0.0%
First National Bank of Pennsylvania $165,000 $415,000 151.5% 0.0%
CONTOUR MORTGAGE CORPORATION $305,000 $410,000 34.4% 0.0%
AMERICAN FINANCIAL RESOURCES, INC. $655,000 $405,000 -38.2% 0.0%
Citizens Bank $195,000 $405,000 107.7% 0.0%
MORTGAGE INVESTORS GROUP, INC. $590,000 $405,000 -31.4% 0.0%
GUILD MORTGAGE COMPANY $785,000 $400,000 -49.0% 0.0%
Service Federal Credit Union $450,000 $400,000 -11.1% 0.0%
LOANPAL, LLC $360,000 $395,000 9.7% 0.0%
NFM, INC. $390,000 n/a 0.0%
THE MORTGAGE FIRM, INC. $315,000 $390,000 23.8% 0.0%
First Guaranty Mortgage Corporation $580,000 $385,000 -33.6% 0.0%
The Huntington National Bank $440,000 $385,000 -12.5% 0.0%
LENDUS, LLC $525,000 $380,000 -27.6% 0.0%
Chicago Mortgage Solutions LLC $370,000 n/a 0.0%
LENDINGHOME FUNDING CORPORATION $260,000 $370,000 42.3% 0.0%
Discover Bank $55,000 $360,000 554.5% 0.0%
AgFirst Farm Credit Bank $415,000 $355,000 -14.5% 0.0%
CREDIT UNION OF GEORGIA $355,000 n/a 0.0%
SOUTHWEST STAGE FUNDING, LLC $690,000 $350,000 -49.3% 0.0%
PLANET HOME LENDING, LLC $375,000 $345,000 -8.0% 0.0%
STATE EMPLOYEES' $245,000 $345,000 40.8% 0.0%
Centennial Bank $335,000 n/a 0.0%
COMMUNITYAMERICA $335,000 $335,000 0.0% 0.0%
SWBC MORTGAGE CORPORATION $335,000 n/a 0.0%
PNC Bank $1,795,000 $330,000 -81.6% 0.0%
ATLANTIC BAY MORTGAGE GROUP, L.L.C. $255,000 $320,000 25.5% 0.0%
BLUELEAF LENDING, LLC $315,000 n/a 0.0%
Sabine State Bank and Trust Company $315,000 n/a 0.0%
AUGUSTA MORTGAGE CO. $305,000 n/a 0.0%
FIRST COMMUNITY MORTGAGE, INC. $255,000 $305,000 19.6% 0.0%
INTERLINC MORTGAGE SERVICES, LLC $305,000 n/a 0.0%
US MORTGAGE CORPORATION $505,000 $305,000 -39.6% 0.0%
SIRVA MORTGAGE, INC. $295,000 n/a 0.0%
AMERICAN NATIONWIDE MORTGAGE COMPANY, INC. $205,000 $285,000 39.0% 0.0%
Bank of the West $285,000 n/a 0.0%
FLAT BRANCH MORTGAGE, INC. $305,000 $285,000 -6.6% 0.0%
GEORGIA UNITED $250,000 $285,000 14.0% 0.0%
Prosperity Home Mortgage, LLC $195,000 $285,000 46.2% 0.0%
Visio Financial Services Inc. $285,000 n/a 0.0%
Colonial Savings, F.A. $280,000 n/a 0.0%
RELIANCE FIRST CAPITAL, LLC $390,000 $280,000 -28.2% 0.0%
DIRECT LENDERS, LLC $275,000 n/a 0.0%
LEADERONE FINANCIAL CORPORATION $270,000 n/a 0.0%
Commonwealth Bank and Trust Company $265,000 n/a 0.0%
FIRST FLORIDA Credit Union $35,000 $265,000 657.1% 0.0%
PrimeSouth Bank $3,605,000 $265,000 -92.6% 0.0%
The Union Bank Company $265,000 n/a 0.0%
GEORGIA'S OWN $260,000 n/a 0.0%
Auto Club Trust, FSB $255,000 n/a 0.0%
GUARANTY HOME MORTGAGE CORPORATION $175,000 $255,000 45.7% 0.0%
SOUTHPOINT FINANCIAL SERVICES, INC. $215,000 $255,000 18.6% 0.0%
PLAZA HOME MORTGAGE, INC. $245,000 n/a 0.0%
APCO EMPLOYEES $235,000 n/a 0.0%
Capital Bank $235,000 n/a 0.0%
Cf Bank $620,000 $235,000 -62.1% 0.0%
Gateway First Bank $105,000 $235,000 123.8% 0.0%
MORTGAGE SOLUTIONS OF COLORADO, LLC $1,525,000 $235,000 -84.6% 0.0%
OCMBC, INC. $235,000 n/a 0.0%
DAS Acquisition Company, LLC $225,000 n/a 0.0%
POLARIS HOME FUNDING CORP. $300,000 $215,000 -28.3% 0.0%
ALLIANT CREDIT UNION $205,000 n/a 0.0%
MEMBERS FIRST CREDIT UNION OF FLORIDA $205,000 n/a 0.0%
V.I.P. MORTGAGE, INC. $205,000 n/a 0.0%
Pineland Bank $200,000 n/a 0.0%
IVY MORTGAGE, INC. $195,000 n/a 0.0%
VAN DYK MORTGAGE CORPORATION $340,000 $195,000 -42.6% 0.0%
Commerce Home Mortgage, Inc. $185,000 n/a 0.0%
MEMBER FIRST MORTGAGE, LLC $185,000 n/a 0.0%
Paramount Bank $185,000 n/a 0.0%
LIBERTY HOME MORTGAGE CORPORATION $85,000 $180,000 111.8% 0.0%
ANGEL OAK MORTGAGE SOLUTIONS LLC $175,000 n/a 0.0%
Arvest Bank $175,000 n/a 0.0%
BAYSHORE MORTGAGE FUNDING, LLC $175,000 n/a 0.0%
BOKF $175,000 n/a 0.0%
Fortress Bank $175,000 n/a 0.0%
Mortgage Assurance Inc. $175,000 n/a 0.0%
MID AMERICA MORTGAGE, INC. $555,000 $170,000 -69.4% 0.0%
AMERICAN ADVISORS GROUP $245,000 $165,000 -32.7% 0.0%
Atlantic Home Loans, Inc. $165,000 n/a 0.0%
BAY EQUITY LLC $165,000 n/a 0.0%
BRIGHTSTAR $165,000 n/a 0.0%
CAMPUS USA $165,000 n/a 0.0%
COMMUNITY FIRST CREDIT UNION OF FLO $165,000 n/a 0.0%
Firstar Bank $165,000 n/a 0.0%
LENDERFI, INC. $165,000 n/a 0.0%
POWERCO $165,000 n/a 0.0%
CIVIC FINANCIAL SERVICES, LLC $155,000 n/a 0.0%
FBC MORTGAGE, LLC $430,000 $155,000 -64.0% 0.0%
First Reliance Bank $155,000 n/a 0.0%
INSPIRE HOME LOANS INC. $890,000 $155,000 -82.6% 0.0%
PUBLIX EMPLOYEES $155,000 n/a 0.0%
ROUNDPOINT MORTGAGE SERVICING CORPORATION $360,000 $155,000 -56.9% 0.0%
SIGNATURE MORTGAGE CORPORATION $380,000 $155,000 -59.2% 0.0%
UNIVERSITY LENDING GROUP, LLC $165,000 $155,000 -6.1% 0.0%
BBVA USA $155,000 $145,000 -6.5% 0.0%
Lend Smart Mortgage, LLC $145,000 n/a 0.0%
TOP FLITE FINANCIAL, INC. $145,000 n/a 0.0%
American National Bank $135,000 n/a 0.0%
Amerifirst Financial, Inc. $135,000 n/a 0.0%
CMG MORTGAGE, INC. $475,000 $135,000 -71.6% 0.0%
Goldwater Bank, N.A. $355,000 $135,000 -62.0% 0.0%
HOMEOWNERS FINANCIAL GROUP USA, LLC $145,000 $135,000 -6.9% 0.0%
MORIA DEVELOPMENT, INC. $270,000 $135,000 -50.0% 0.0%
S1L, Inc. $135,000 n/a 0.0%
Sierra Pacific Mortgage Company, Inc. $135,000 n/a 0.0%
Troy Bank and Trust Company $135,000 n/a 0.0%
Associated Credit Union $125,000 n/a 0.0%
Citibank $300,000 $125,000 -58.3% 0.0%
Ixonia Bank $125,000 n/a 0.0%
LGE COMMUNITY $125,000 n/a 0.0%
SPRING EQ, LLC $300,000 $125,000 -58.3% 0.0%
MSA MORTGAGE, LLC $115,000 n/a 0.0%
Bethpage Federal Credit Union $110,000 n/a 0.0%
AMERICAN INTERNET MORTGAGE, INC. $430,000 $105,000 -75.6% 0.0%
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $105,000 $105,000 0.0% 0.0%
First State Bank $105,000 n/a 0.0%
Hamilton Mortgage Corporation $195,000 $105,000 -46.2% 0.0%
LENDING 3, INC. $105,000 n/a 0.0%
Manufacturers and Traders Trust Company $460,000 $105,000 -77.2% 0.0%
Figure Lending LLC $35,000 $100,000 185.7% 0.0%
KELLER MORTGAGE, LLC $95,000 n/a 0.0%
OVM FINANCIAL, INC. $95,000 n/a 0.0%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $165,000 $85,000 -48.5% 0.0%
ROYAL UNITED MORTGAGE LLC $85,000 n/a 0.0%
SOUTH CAROLINA FEDERAL CREDIT UNION $85,000 n/a 0.0%
CREDIT HUMAN FEDERAL CREDIT UNION $95,000 $65,000 -31.6% 0.0%
Five Star Credit Union $65,000 n/a 0.0%
TRIAD FINANCIAL SERVICES, INC. $65,000 n/a 0.0%
Northpointe Bank $690,000 $60,000 -91.3% 0.0%
ENVOY MORTGAGE, LTD $1,010,000 $55,000 -94.6% 0.0%
First-Citizens Bank & Trust Company $55,000 n/a 0.0%
HighTechLending Inc $55,000 n/a 0.0%
HONDA Federal Credit Union $55,000 n/a 0.0%
Third Federal Savings and Loan Association of Cleveland $55,000 n/a 0.0%
Tyndall Federal Credit Union $125,000 $55,000 -56.0% 0.0%
VYSTAR $55,000 n/a 0.0%
United Bank $35,000 n/a 0.0%
Home Loan Investment Bank, F.S.B. $235,000 $25,000 -89.4% 0.0%

VALDOSTA's top lender by overall market share is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, with 8.3% market share. In second place, with 7.6%, is Mortgage Research Center, LLC, having originated $81,085,000 in loans. In third place, with 7.5%, is QUICKEN LOANS, LLC, having originated $80,065,000 in loans. In third place, with 4.8%, is Ameris Bank, having originated $51,345,000 in loans. In third place, with 4.3%, is ANGEL OAK HOME LOANS LLC, having originated $46,100,000 in loans.


VALDOSTA, GA Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 2,848 $604,620,000 $212,296
Refi 1,897 $358,365,000 $188,911
Cash Out Refi 545 $97,845,000 $179,532
Home Improvement 68 $4,610,000 $67,794
Other 64 $6,520,000 $101,875

Valdosta's most frequently cited loan purpose was Home Purchase, with 2,848 originations. The 2nd most popular reason was Refi, with 1,897 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
2.5-3% 1,993 $397,205,000 $199,300
3-4% 1,478 $306,500,000 $207,375
<2.5% 930 $185,650,000 $199,624
4-5% 238 $49,480,000 $207,899
5-6% 40 $3,340,000 $83,500
Over 8% 21 $1,585,000 $75,476
6-7% 19 $1,795,000 $94,474
7-8% 10 $720,000 $72,000

During 2021, Valdosta's most frequently originated rate bucket was 2.5-3%, with 1,993 originations.

Loan Sizing (VALDOSTA, GA MSA)

Loan Size Originations Total Value Average Loan
$100k-200k 2,540 $382,870,000 $150,736
$200k-400k 1,674 $439,860,000 $262,760
$100,000 or less 994 $61,920,000 $62,294
$400k-600k 165 $77,405,000 $469,121
$600k-1000k 29 $21,645,000 $746,379
$Over $1MM 20 $88,260,000 $4,413,000

VALDOSTA's loan sizing saw the bucket of loans from $100k-200k with 2,540 originations, totaling $382,870,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 2,441 $487,415,000 $199,678
60-80% 1,144 $256,830,000 $224,502
40-60% 359 $65,425,000 $182,242
Over 100% 279 $70,535,000 $252,814
20-40% 146 $14,370,000 $98,425
Under 20% 82 $3,210,000 $39,146

VALDOSTA's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 2,441 originations, totaling $487,415,000 in origination value.