Vidalia Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Vidalia averaged
6.64%
for the week of 2025-04-03, compared to the national average of
6.64% for the same period.
The average rate for the prior week (2025-03-27) was
6.85% and
one month ago for the week of 2025-02-27, the
average rate was 6.56%.
Vidalia's average rate one year ago was 6.69%.
For refis of the same type during the week of 2025-04-03, the average rate
was 6.94%.
Loan Type | Date | Rate |
---|---|---|
US 30 Year Fixed Rate | 2025-04-03 | 6.64% |
Vidalia 30 Year Fixed Rate | 2025-04-03 | 6.64% |
Vidalia 30 Year Fixed Rate Refi | 2025-04-03 | 6.94% |
Vidalia 15 Year Fixed Rate | 2025-04-03 | 5.72% |
Vidalia 15 Year Fixed Rate Refi | 2025-04-03 | 5.82% |
Vidalia 30 Year FHA | 2025-04-03 | 6.26% |
Vidalia 30 Year FHA Refi | 2025-04-03 | 6.36% |
Vidalia 30 Year USDA | 2025-04-03 | 6.42% |
Vidalia 30 Year USDA Refi | 2025-04-03 | 6.52% |
Vidalia 30 Year VA | 2025-04-03 | 5.86% |
Vidalia 30 Year VA Refi | 2025-04-03 | 5.96% |
Vidalia 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 Vidalia, 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.).
Vidalia Average Closing Costs & Other Stats
Vidalia, GA's 26 lenders originated 281
loans during 2024. The total origination value was $52,235,000, with an average loan value of
$185,890.
Vidalia's average closing costs are $5,773.
The top Vidalia lender as defined by loan originations is QUICKEN LOANS, LLC, with
16 loans originated. Their average total fees are
$6,399, which is $3,680
lower than the next largest lender,
THE MORTGAGE FIRM, INC..
The lowest fee Vidalia lenders (with over 10 loans originated) are
QUICKEN LOANS, LLC ($6,399), .
The lowest rate Vidalia lenders (with over 10 loans originated) are
QUICKEN LOANS, LLC (6.83%), .
Vidalia, 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 |
---|---|---|---|---|
QUICKEN LOANS, LLC | $5,500,000 | $7,400,000 | 34.5% | 14.2% |
Mortgage Research Center, LLC | $1,990,000 | $3,445,000 | 73.1% | 6.6% |
UNITED WHOLESALE MORTGAGE, LLC | $675,000 | $2,905,000 | 330.4% | 5.6% |
THE MORTGAGE FIRM, INC. | $2,070,000 | $2,505,000 | 21.0% | 4.8% |
21ST MORTGAGE CORPORATION | $2,710,000 | $2,470,000 | -8.9% | 4.7% |
PLANET HOME LENDING, LLC | $1,785,000 | n/a | 3.4% | |
AgFirst Farm Credit Bank | $1,080,000 | $1,500,000 | 38.9% | 2.9% |
FREEDOM MORTGAGE CORPORATION | $940,000 | $1,330,000 | 41.5% | 2.5% |
Northpointe Bank | $1,985,000 | $1,155,000 | -41.8% | 2.2% |
TOWNE MORTGAGE COMPANY | $395,000 | $1,125,000 | 184.8% | 2.2% |
LOANDEPOT.COM, LLC | $410,000 | $865,000 | 111.0% | 1.7% |
Renasant Bank | $200,000 | $850,000 | 325.0% | 1.6% |
NAVY FEDERAL CREDIT UNION | $1,180,000 | $840,000 | -28.8% | 1.6% |
Equity Prime Mortgage LLC | $145,000 | $835,000 | 475.9% | 1.6% |
VILLAGE CAPITAL MORTGAGE | $805,000 | n/a | 1.5% | |
1ST SIGNATURE LENDING, LLC | $175,000 | $775,000 | 342.9% | 1.5% |
Ameris Bank | $1,590,000 | $740,000 | -53.5% | 1.4% |
Fifth Third Bank | $25,000 | $735,000 | 2,840.0% | 1.4% |
PREMIER MORTGAGE RESOURCES, L.L.C. | $735,000 | n/a | 1.4% | |
CROSSCOUNTRY MORTGAGE, LLC | $1,015,000 | $685,000 | -32.5% | 1.3% |
PENNYMAC LOAN SERVICES, LLC | $420,000 | $650,000 | 54.8% | 1.2% |
Colony Bank | $430,000 | $645,000 | 50.0% | 1.2% |
Mr. Cooper ( Nationstar Mortgage ) | $180,000 | $635,000 | 252.8% | 1.2% |
Wells Fargo Bank | $630,000 | n/a | 1.2% | |
Loan Simple, Inc. | $600,000 | n/a | 1.1% | |
Alcova Mortgage LLC | $580,000 | n/a | 1.1% | |
South Georgia Bank | $70,000 | $545,000 | 678.6% | 1.0% |
Figure Lending LLC | $35,000 | $535,000 | 1,428.6% | 1.0% |
Truist | $1,140,000 | $495,000 | -56.6% | 0.9% |
MORTGAGE INVESTORS GROUP, INC. | $490,000 | n/a | 0.9% | |
VANDERBILT MORTGAGE AND FINANCE, INC. | $260,000 | $475,000 | 82.7% | 0.9% |
GEORGIA UNITED | $55,000 | $470,000 | 754.5% | 0.9% |
CARDINAL FINANCIAL | $460,000 | n/a | 0.9% | |
Morris Bank | $75,000 | $460,000 | 513.3% | 0.9% |
AMERISAVE MORTGAGE CORPORATION | $1,430,000 | $440,000 | -69.2% | 0.8% |
QUORUM FEDERAL CREDIT UNION | $425,000 | n/a | 0.8% | |
AMWEST FUNDING CORP. | $115,000 | $395,000 | 243.5% | 0.8% |
PANORAMA MORTGAGE GROUP, LLC | $395,000 | n/a | 0.8% | |
Flagstar Bank, FSB | $405,000 | $390,000 | -3.7% | 0.7% |
Presidential Bank, FSB | $390,000 | n/a | 0.7% | |
INTERSTATE UNLIMITED Federal Credit Union | $175,000 | $375,000 | 114.3% | 0.7% |
GUILD MORTGAGE COMPANY | $555,000 | $345,000 | -37.8% | 0.7% |
ROBINS FINANCIAL | $420,000 | $320,000 | -23.8% | 0.6% |
NEW DAY FINANCIAL, LLC | $560,000 | $305,000 | -45.5% | 0.6% |
SOUTHPOINT FINANCIAL SERVICES, INC. | $305,000 | n/a | 0.6% | |
EVERETT FINANCIAL, INC. | $245,000 | $295,000 | 20.4% | 0.6% |
ROYAL UNITED MORTGAGE LLC | $75,000 | $290,000 | 286.7% | 0.6% |
Mortgage Assurance Inc. | $285,000 | n/a | 0.5% | |
NBKC BANK | $675,000 | $285,000 | -57.8% | 0.5% |
Glennville Bank | $350,000 | $275,000 | -21.4% | 0.5% |
Paramount Residential Mortgage Group, Inc. | $265,000 | n/a | 0.5% | |
Carrington Mortgage Services, LLC | $115,000 | $255,000 | 121.7% | 0.5% |
Plains Commerce Bank | $255,000 | n/a | 0.5% | |
PROVIDENT FUNDING ASSOCIATES, L.P. | $255,000 | n/a | 0.5% | |
AMERICAN FINANCIAL NETWORK, INC. | $175,000 | $245,000 | 40.0% | 0.5% |
CALCON MUTUAL MORTGAGE LLC | $225,000 | n/a | 0.4% | |
JPMorgan Chase Bank | $215,000 | n/a | 0.4% | |
APCO EMPLOYEES | $255,000 | $210,000 | -17.6% | 0.4% |
Bell Bank | $205,000 | n/a | 0.4% | |
Fidelity Bank | $205,000 | n/a | 0.4% | |
ACOPIA, LLC | $200,000 | n/a | 0.4% | |
Blue Ridge Bank | $195,000 | n/a | 0.4% | |
LIBERTY HOME MORTGAGE CORPORATION | $175,000 | $195,000 | 11.4% | 0.4% |
NORWICH COMMERCIAL GROUP, INC. | $175,000 | n/a | 0.3% | |
PNC Bank | $170,000 | n/a | 0.3% | |
Oconee State Bank | $155,000 | n/a | 0.3% | |
CSL Financial, LLC | $105,000 | $145,000 | 38.1% | 0.3% |
MUTUAL OF OMAHA MORTGAGE, INC. | $340,000 | $145,000 | -57.4% | 0.3% |
SOUTHWEST STAGE FUNDING, LLC | $135,000 | $145,000 | 7.4% | 0.3% |
ZILLOW HOME LOANS, LLC | $185,000 | $145,000 | -21.6% | 0.3% |
First Option Mortgage, LLC | $135,000 | n/a | 0.3% | |
UNION HOME MORTGAGE CORP. | $125,000 | n/a | 0.2% | |
MOVEMENT MORTGAGE, LLC | $175,000 | $115,000 | -34.3% | 0.2% |
Bank of America | $415,000 | $105,000 | -74.7% | 0.2% |
Citizens Bank | $105,000 | n/a | 0.2% | |
LAND HOME FINANCIAL SERVICES, INC. | $105,000 | n/a | 0.2% | |
Synovus Bank | $105,000 | $105,000 | 0.0% | 0.2% |
Baxter Credit Union | $155,000 | $100,000 | -35.5% | 0.2% |
Third Federal Savings and Loan Association of Cleveland | $65,000 | n/a | 0.1% | |
Discover Bank | $160,000 | $55,000 | -65.6% | 0.1% |
First National BK Waynesboro | $55,000 | n/a | 0.1% | |
JUSTICE Federal Credit Union | $55,000 | n/a | 0.1% | |
ALLIANT CREDIT UNION | $45,000 | n/a | 0.1% | |
Pinnacle Bank | $25,000 | n/a | 0.0% |
Vidalia's top lender by overall market share is QUICKEN LOANS, LLC, with 14.2% market share. In second place, with 6.6%, is Mortgage Research Center, LLC, having originated $3,445,000 in loans. In third place, with 5.6%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $2,905,000 in loans. In fourth place, with 4.8%, is THE MORTGAGE FIRM, INC., having originated $2,505,000 in loans. In fifth place, with 4.7%, is 21ST MORTGAGE CORPORATION, having originated $2,470,000 in loans.
Vidalia Housing Market Trends (Median, Average Prices & Listing Count)
Realtor.com - Vidalia (CBSA) retrieved from FRED, Federal Reserve Bank of St. LouisDate | Median Listing Price (YoY Change) | Average Listing Price (YoY) | MSA/US Median Price Ratio | Active Listings |
---|---|---|---|---|
2018-01-01 | $148,500 (2.2%) | $169,061 (-6.2%) | 0.00 | 119 |
2018-02-01 | $149,375 (-5.1%) | $187,675 (0.8%) | 0.00 | 116 |
2018-03-01 | $152,275 (2.1%) | $189,466 (4.2%) | 0.00 | 124 |
2018-04-01 | $154,475 (3.2%) | $198,179 (9.3%) | 0.00 | 134 |
2018-05-01 | $154,700 (-0.3%) | $196,689 (4.7%) | 0.00 | 135 |
2018-06-01 | $152,400 (1.6%) | $194,933 (5.8%) | 0.00 | 134 |
2018-07-01 | $142,450 (-10.8%) | $190,778 (2.3%) | 0.00 | 129 |
2018-08-01 | $139,900 (-8.2%) | $189,272 (5.2%) | 0.00 | 128 |
2018-09-01 | $135,000 (-11.2%) | $181,402 (3.5%) | 0.00 | 135 |
2018-10-01 | $136,500 (-8.9%) | $178,756 (5.6%) | 0.00 | 137 |
2018-11-01 | $141,100 (-4.1%) | $188,129 (13.1%) | 0.00 | 128 |
2018-12-01 | $149,000 (-0.5%) | $188,430 (11.1%) | 0.00 | 125 |
2019-01-01 | $149,700 (0.8%) | $189,806 (12.3%) | 0.00 | 107 |
2019-02-01 | $149,450 (0.1%) | $192,863 (2.8%) | 0.00 | 112 |
2019-03-01 | $148,543 (-2.5%) | $195,325 (3.1%) | 0.00 | 114 |
2019-04-01 | $149,043 (-3.5%) | $199,107 (0.5%) | 0.00 | 110 |
2019-05-01 | $149,450 (-3.4%) | $204,342 (3.9%) | 0.00 | 115 |
2019-06-01 | $148,000 (-2.9%) | $200,579 (2.9%) | 0.00 | 118 |
2019-07-01 | $149,900 (5.2%) | $206,177 (8.1%) | 0.00 | 101 |
2019-08-01 | $147,200 (5.2%) | $202,077 (6.8%) | 0.00 | 106 |
2019-09-01 | $143,150 (6.0%) | $193,213 (6.5%) | 0.00 | 115 |
2019-10-01 | $142,950 (4.7%) | $190,058 (6.3%) | 0.00 | 117 |
2019-11-01 | $145,000 (2.8%) | $198,043 (5.3%) | 0.00 | 114 |
2019-12-01 | $145,000 (-2.7%) | $201,190 (6.8%) | 0.00 | 107 |
2020-01-01 | $148,900 (-0.5%) | $206,675 (8.9%) | 0.00 | 98 |
2020-02-01 | $149,900 (0.3%) | $201,645 (4.6%) | 0.00 | 101 |
2020-03-01 | $151,975 (2.3%) | $204,619 (4.8%) | 0.00 | 114 |
2020-04-01 | $163,675 (9.8%) | $205,822 (3.4%) | 0.00 | 115 |
2020-05-01 | $168,000 (12.4%) | $212,083 (3.8%) | 0.00 | 109 |
2020-06-01 | $184,900 (24.9%) | $221,042 (10.2%) | 0.00 | 95 |
2020-07-01 | $208,825 (39.3%) | $240,580 (16.7%) | 0.00 | 91 |
2020-08-01 | $217,500 (47.8%) | $255,577 (26.5%) | 0.00 | 81 |
2020-09-01 | $197,475 (38.0%) | $251,399 (30.1%) | 0.00 | 75 |
2020-10-01 | $199,900 (39.8%) | $252,143 (32.7%) | 0.00 | 78 |
2020-11-01 | $181,150 (24.9%) | $239,826 (21.1%) | 0.00 | 69 |
2020-12-01 | $158,725 (9.5%) | $221,216 (10.0%) | 0.00 | 63 |
2021-01-01 | $164,950 (10.8%) | $226,888 (9.8%) | 0.00 | 60 |
2021-02-01 | $164,900 (10.0%) | $237,112 (17.6%) | 0.00 | 55 |
2021-03-01 | $159,975 (5.3%) | $235,133 (14.9%) | 0.00 | 48 |
2021-04-01 | $164,750 (0.7%) | $236,379 (14.9%) | 0.00 | 41 |
2021-05-01 | $176,950 (5.3%) | $240,720 (13.5%) | 0.00 | 41 |
2021-06-01 | $179,000 (-3.2%) | $228,511 (3.4%) | 0.00 | 48 |
2021-07-01 | $187,000 (-10.5%) | $264,955 (10.1%) | 0.00 | 49 |
2021-08-01 | $217,950 (0.2%) | $308,124 (20.6%) | 0.00 | 51 |
2021-09-01 | $224,950 (13.9%) | $300,098 (19.4%) | 0.00 | 51 |
2021-10-01 | $236,000 (18.1%) | $314,991 (24.9%) | 0.00 | 48 |
2021-11-01 | $235,500 (30.0%) | $319,165 (33.1%) | 0.00 | 35 |
2021-12-01 | $281,225 (77.2%) | $336,741 (52.2%) | 0.00 | 35 |
2022-01-01 | $280,000 (69.8%) | $330,712 (45.8%) | 0.00 | 33 |
2022-02-01 | $299,000 (81.3%) | $334,267 (41.0%) | 0.00 | 27 |
2022-03-01 | $325,688 (103.6%) | $346,246 (47.3%) | 0.00 | 29 |
2022-04-01 | $269,900 (63.8%) | $303,379 (28.3%) | 0.00 | 30 |
2022-05-01 | $258,475 (46.1%) | $311,356 (29.3%) | 0.00 | 37 |
2022-06-01 | $233,450 (30.4%) | $290,963 (27.3%) | 0.00 | 47 |
2022-07-01 | $232,000 (24.1%) | $313,435 (18.3%) | 0.00 | 49 |
2022-08-01 | $241,725 (10.9%) | $336,701 (9.3%) | 0.00 | 46 |
2022-09-01 | $259,950 (15.6%) | $455,898 (51.9%) | 0.00 | 51 |
2022-10-01 | $280,000 (18.6%) | $502,830 (59.6%) | 0.00 | 51 |
2022-11-01 | $285,075 (21.1%) | $491,600 (54.0%) | 0.00 | 56 |
2022-12-01 | $289,900 (3.1%) | $516,130 (53.3%) | 0.00 | 54 |
2023-01-01 | $284,700 (1.7%) | $528,278 (59.7%) | 0.00 | 48 |
2023-02-01 | $294,704 (-1.4%) | $555,086 (66.1%) | 0.00 | 36 |
2023-03-01 | $295,725 (-9.2%) | $521,116 (50.5%) | 0.00 | 38 |
2023-04-01 | $249,000 (-7.7%) | $431,319 (42.2%) | 0.00 | 41 |
2023-05-01 | $227,188 (-12.1%) | $343,917 (10.5%) | 0.00 | 44 |
2023-06-01 | $257,425 (10.3%) | $354,031 (21.7%) | 0.00 | 38 |
2023-07-01 | $290,000 (25.0%) | $337,916 (7.8%) | 0.00 | 38 |
2023-08-01 | $279,950 (15.8%) | $341,731 (1.5%) | 0.00 | 39 |
2023-09-01 | $279,999 (7.7%) | $349,952 (-23.2%) | 0.00 | 51 |
2023-10-01 | $277,950 (-0.7%) | $360,271 (-28.4%) | 0.00 | 59 |
2023-11-01 | $249,500 (-12.5%) | $354,408 (-27.9%) | 0.00 | 56 |
2023-12-01 | $272,000 (-6.2%) | $379,116 (-26.6%) | 0.00 | 57 |
2024-01-01 | $267,925 (-5.9%) | $369,547 (-30.1%) | 0.00 | 54 |
2024-02-01 | $249,950 (-15.2%) | $342,494 (-38.3%) | 0.00 | 48 |
2024-03-01 | $252,400 (-14.7%) | $333,035 (-36.1%) | 0.00 | 45 |
2024-04-01 | $249,900 (0.4%) | $349,119 (-19.1%) | 0.00 | 38 |
2024-05-01 | $272,375 (19.9%) | $360,530 (4.8%) | 0.00 | 37 |
2024-06-01 | $289,900 (12.6%) | $351,375 (-0.8%) | 0.00 | 40 |
2024-07-01 | $292,175 (0.8%) | $380,245 (12.5%) | 0.00 | 51 |
2024-08-01 | $282,200 (0.8%) | $340,715 (-0.3%) | 0.00 | 56 |
2024-09-01 | $272,750 (-2.6%) | $332,699 (-4.9%) | 0.00 | 57 |
2024-10-01 | $306,000 (10.1%) | $363,271 (0.8%) | 0.00 | 57 |
2024-11-01 | $301,500 (20.8%) | $384,680 (8.5%) | 0.00 | 50 |
2024-12-01 | $288,000 (5.9%) | $364,711 (-3.8%) | 0.00 | 45 |
2025-01-01 | $269,000 (0.4%) | $359,624 (-2.7%) | 0.00 | 43 |
2025-02-01 | $283,750 (13.5%) | $354,829 (3.6%) | 0.00 | 49 |
2025-03-01 | $289,950 (14.9%) | $348,840 (4.8%) | 0.00 | 54 |
Vidalia's median listing price comes in at 0% of the national average.
Vidalia's average listing price for 2025-03-01 was $348,840, a difference of $15,805 (4.8%) versus the prior year and $-5,989 versus the prior month.
For the 2025-03-01 period, Vidalia had 54 MLS listings, a difference of 5 listings (10%) versus the prior month and 9 listings (20%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Vidalia (CBSA) retrieved from FRED, Federal Reserve Bank of St. LouisDate | Median Listing Time on Market | Median Square Footage |
---|---|---|
2018-01-01 | 0 days | 1,995 sqft |
2018-02-01 | 0 days | 2,159 sqft |
2018-03-01 | 0 days | 2,151 sqft |
2018-04-01 | 0 days | 2,170 sqft |
2018-05-01 | 0 days | 2,163 sqft |
2018-06-01 | 0 days | 2,173 sqft |
2018-07-01 | 0 days | 2,074 sqft |
2018-08-01 | 0 days | 2,061 sqft |
2018-09-01 | 0 days | 1,939 sqft |
2018-10-01 | 0 days | 1,932 sqft |
2018-11-01 | 0 days | 2,025 sqft |
2018-12-01 | 0 days | 2,002 sqft |
2019-01-01 | 0 days | 2,003 sqft |
2019-02-01 | 0 days | 2,008 sqft |
2019-03-01 | 0 days | 2,054 sqft |
2019-04-01 | 0 days | 2,121 sqft |
2019-05-01 | 0 days | 2,107 sqft |
2019-06-01 | 0 days | 2,006 sqft |
2019-07-01 | 0 days | 2,011 sqft |
2019-08-01 | 0 days | 2,059 sqft |
2019-09-01 | 0 days | 2,004 sqft |
2019-10-01 | 0 days | 1,980 sqft |
2019-11-01 | 0 days | 1,993 sqft |
2019-12-01 | 0 days | 2,000 sqft |
2020-01-01 | 0 days | 2,055 sqft |
2020-02-01 | 0 days | 2,052 sqft |
2020-03-01 | 0 days | 2,062 sqft |
2020-04-01 | 0 days | 2,053 sqft |
2020-05-01 | 0 days | 2,170 sqft |
2020-06-01 | 0 days | 2,216 sqft |
2020-07-01 | 0 days | 2,418 sqft |
2020-08-01 | 0 days | 2,468 sqft |
2020-09-01 | 0 days | 2,331 sqft |
2020-10-01 | 0 days | 2,290 sqft |
2020-11-01 | 0 days | 2,202 sqft |
2020-12-01 | 0 days | 2,150 sqft |
2021-01-01 | 0 days | 2,189 sqft |
2021-02-01 | 0 days | 2,250 sqft |
2021-03-01 | 0 days | 2,286 sqft |
2021-04-01 | 0 days | 2,219 sqft |
2021-05-01 | 0 days | 2,118 sqft |
2021-06-01 | 0 days | 2,003 sqft |
2021-07-01 | 0 days | 2,006 sqft |
2021-08-01 | 0 days | 2,123 sqft |
2021-09-01 | 0 days | 2,188 sqft |
2021-10-01 | 0 days | 2,229 sqft |
2021-11-01 | 0 days | 2,200 sqft |
2021-12-01 | 0 days | 2,376 sqft |
2022-01-01 | 0 days | 2,294 sqft |
2022-02-01 | 0 days | 2,389 sqft |
2022-03-01 | 0 days | 2,586 sqft |
2022-04-01 | 0 days | 2,318 sqft |
2022-05-01 | 0 days | 2,406 sqft |
2022-06-01 | 0 days | 2,256 sqft |
2022-07-01 | 0 days | 2,107 sqft |
2022-08-01 | 0 days | 2,285 sqft |
2022-09-01 | 0 days | 2,380 sqft |
2022-10-01 | 0 days | 2,483 sqft |
2022-11-01 | 0 days | 2,435 sqft |
2022-12-01 | 0 days | 2,483 sqft |
2023-01-01 | 0 days | 2,441 sqft |
2023-02-01 | 0 days | 2,483 sqft |
2023-03-01 | 0 days | 2,623 sqft |
2023-04-01 | 0 days | 2,172 sqft |
2023-05-01 | 0 days | 2,065 sqft |
2023-06-01 | 0 days | 2,152 sqft |
2023-07-01 | 0 days | 2,362 sqft |
2023-08-01 | 0 days | 2,220 sqft |
2023-09-01 | 0 days | 2,400 sqft |
2023-10-01 | 0 days | 2,150 sqft |
2023-11-01 | 0 days | 2,011 sqft |
2023-12-01 | 0 days | 2,077 sqft |
2024-01-01 | 0 days | 2,009 sqft |
2024-02-01 | 0 days | 1,950 sqft |
2024-03-01 | 0 days | 1,894 sqft |
2024-04-01 | 0 days | 1,926 sqft |
2024-05-01 | 0 days | 2,112 sqft |
2024-06-01 | 0 days | 2,240 sqft |
2024-07-01 | 0 days | 2,226 sqft |
2024-08-01 | 0 days | 2,081 sqft |
2024-09-01 | 0 days | 2,196 sqft |
2024-10-01 | 0 days | 2,290 sqft |
2024-11-01 | 0 days | 2,418 sqft |
2024-12-01 | 0 days | 2,362 sqft |
2025-01-01 | 0 days | 2,272 sqft |
2025-02-01 | 0 days | 2,196 sqft |
2025-03-01 | 0 days | 2,188 sqft |
Vidalia's median square footage for active listings during the 2025-03-01 period was 2,188 sqft. One year prior, the average listing was 1,894 sqft.
Vidalia, GA Market Loan Reason
Loan Purpose | Originations | Total Value | Average Loan |
---|---|---|---|
Home Purchase | 156 | $32,370,000 | $207,500 |
Refi | 44 | $8,390,000 | $190,682 |
Cash Out Refi | 41 | $8,165,000 | $199,146 |
Other | 23 | $1,995,000 | $86,739 |
Home Improvement | 17 | $1,315,000 | $77,353 |
Vidalia's most frequently cited loan purpose was Home Purchase, with 156 originations. The 2nd most popular reason was Refi, with 44 originations.
Interest Rate Frequencies
Loan Rate | Originations | Total Value | Average Loan |
---|---|---|---|
6-7% | 113 | $23,805,000 | $210,664 |
Over 8% | 61 | $6,285,000 | $103,033 |
7-8% | 46 | $9,030,000 | $196,304 |
5-6% | 36 | $9,840,000 | $273,333 |
4-5% | 4 | $1,150,000 | $287,500 |
<2.5% | 2 | $20,000 | $10,000 |
3-4% | 1 | $65,000 | $65,000 |
During 2024, Vidalia's most frequently originated rate bucket was 6-7%, with 113 originations.
Loan Sizing (Vidalia, GA MSA)
Loan Size | Originations | Total Value | Average Loan |
---|---|---|---|
$100k-200k | 103 | $15,425,000 | $149,757 |
$200k-400k | 97 | $26,275,000 | $270,876 |
$100,000 or less | 67 | $3,795,000 | $56,642 |
$400k-600k | 12 | $5,410,000 | $450,833 |
$600k-1000k | 2 | $1,330,000 | $665,000 |
Vidalia's loan sizing saw the bucket of loans from $100k-200k with 103 originations, totaling $15,425,000 in origination value.
LTV Distribution
Loan to Value | Originations | Total Value | Average Loan |
---|---|---|---|
80-100% | 134 | $30,420,000 | $227,015 |
60-80% | 45 | $8,145,000 | $181,000 |
20-40% | 27 | $2,225,000 | $82,407 |
40-60% | 27 | $4,585,000 | $169,815 |
Under 20% | 16 | $600,000 | $37,500 |
Over 100% | 8 | $1,840,000 | $230,000 |
Vidalia's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 134 originations, totaling $30,420,000 in origination value.