Vidalia Mortgage Rates & Closing Costs

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  • Trends
  • Rates vs. Fees
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  • Loan Attributes
    • 30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

    30 Year Fixed Rate mortgages in Vidalia averaged 6.66% for the week of 2023-03-16, compared to the national average of 6.6% for the same period.

    The average rate for the prior week (2023-03-09) was 6.89% and one month ago for the week of 2023-02-09, the average rate was 6.38%.

    Vidalia's average rate one year ago was 4.21%.

    For refis of the same type during the week of 2023-03-16, the average rate was 6.68%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2023-03-16 6.6%
    Vidalia 30 Year Fixed Rate 2023-03-16 6.66%
    Vidalia 30 Year Fixed Rate Refi 2023-03-16 6.68%
    Vidalia 15 Year Fixed Rate 2023-03-16 6.08%
    Vidalia 15 Year Fixed Rate Refi 2023-03-16 5.73%
    Vidalia 30 Year FHA 2023-03-16 6.44%
    Vidalia 30 Year FHA Refi 2023-03-16 6.74%
    Vidalia 30 Year USDA 2023-03-16 6.36%
    Vidalia 30 Year USDA Refi 2023-03-16 6.47%
    Vidalia 30 Year VA 2023-03-16 6.25%
    Vidalia 30 Year VA Refi 2023-03-16 6.11%
    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Vidalia, GA.

    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.).

    Name # of Loans 2021 Avg. 30yFix Rate 2021 Avg. Closing Costs
    QUICKEN LOANS, LLC 36 3.19% $4,577
    CRESCENT MORTGAGE COMPANY 14 2.89% $7,630
    Colony Bank 14 3.05% $3,019
    AgFirst Farm Credit Bank 10 3.03% $6,537
    SOUTHPOINT FINANCIAL SERVICES, INC. 10 3.37% $4,723
    LOANDEPOT.COM, LLC 8 2.92% $4,778
    NAVY FEDERAL CREDIT UNION 7 3.21% $2,694
    Truist 7 3.16% $3,853
    Blue Ridge Bank 7 3.13% $4,765
    Wells Fargo Bank 6 3.08% $3,138
    THE MORTGAGE FIRM, INC. 6 3.08% $7,583
    Renasant Bank 5 2.99% $4,527
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 5 3.07% $3,707
    United Community Bank 4 3.59% $4,149
    BANKSOUTH MORTGAGE COMPANY, LLC 4 3.13% $4,708
    GMFS LLC 3 3.21% $4,441
    South State Bank 3 2.79% $4,229
    BROKER SOLUTIONS, INC. 3 3.32% $3,320
    Ameris Bank 3 3.13% $3,935
    Chicago Mortgage Solutions LLC 2 2.87% $1,559
    GUARANTEED RATE, INC. 2 3.06% $3,282
    JPMorgan Chase Bank 2 3.18% $2,564
    HOMESIDE FINANCIAL, LLC 2 3.31% $3,712
    RUOFF MORTGAGE COMPANY, INC. 2 3.00% $2,652
    ROBINS FINANCIAL 2 3.63% $2,623
    AMERISAVE MORTGAGE CORPORATION 2 2.88% $2,989
    UNITED WHOLESALE MORTGAGE, LLC 2 3.18% $5,012
    VANDERBILT MORTGAGE AND FINANCE, INC. 2 3.06% $3,349
    Mr. Cooper ( Nationstar Mortgage ) 2 3.31% $6,375
    MOVEMENT MORTGAGE, LLC 2 3.21% $4,322
    Mortgage Research Center, LLC 2 2.87% $1,503
    Citizens Bank 2 3.25% $4,136
    Wyndham Capital Mortgage, Inc. 1 3.00% $4,839
    Ally Bank 1 3.38% $3,524
    ATLANTA POSTAL 1 3.38% $3,758
    ATLANTIC BAY MORTGAGE GROUP, L.L.C. 1 3.25% $3,625
    BETTER MORTGAGE CORPORATION 1 2.88% $6,212
    CALIBER HOME LOANS, INC. 1 2.99% $4,184
    CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 1 3.13% $3,083
    Carrington Mortgage Services, LLC 1 2.50% $4,211
    CELEBRITY HOME LOANS, LLC 1 3.00% $4,578
    Colonial Savings, F.A. 1 3.38% $1,202
    CREDIT UNION FINANCIAL SERVICES, LLC 1 3.25% $4,827
    FirstBank 1 4.25% $3,982
    First Federal Bank 1 3.25% $4,211
    First Guaranty Mortgage Corporation 1 4.63% $12,717
    First Reliance Bank 1 3.00% $4,224
    Flagstar Bank, FSB 1 3.50% $3,684
    GUILD MORTGAGE COMPANY 1 2.99% $4,451
    HOMESTAR FINANCIAL CORPORATION 1 3.25% $2,539
    MEMBER ONE 1 3.50% $5,946
    PENTAGON FEDERAL CREDIT UNION 1 2.88% $1,215
    PHH Mortgage Corporation 1 3.88% $4,106
    PROVIDENT FUNDING ASSOCIATES, L.P. 1 3.25% $4,388
    Regions Bank 1 3.38% $3,208
    SOFI LENDING CORP. 1 3.13% $4,127
    SOUTHERN TRUST MORTGAGE, LLC 1 4.00% $0
    Southwest Airlines Federal Credit Union 1 2.88% $3,861
    STOCKTON MORTGAGE CORPORATION 1 3.00% $6,460
    SUCCESS MORTGAGE PARTNERS, INC. 1 3.75% $3,647
    Synovus Bank 1 3.63% $8,460
    T2 FINANCIAL LLC 1 3.00% $6,210

    Vidalia Average Closing Costs & Other Stats

    Vidalia, GA's 62 lenders originated 594 loans during 2021. The total origination value was $97,470,000, with an average loan value of $164,091.

    Vidalia's average closing costs are $4,916.

    The top Vidalia lender as defined by loan originations is QUICKEN LOANS, LLC, with 36 loans originated. Their average total fees are $4,577, which is $3,053 lower than the next largest lender, CRESCENT MORTGAGE COMPANY.

    The lowest fee Vidalia lenders (with over 10 loans originated) are Colony Bank ($3,019), QUICKEN LOANS, LLC ($4,577), SOUTHPOINT FINANCIAL SERVICES, INC. ($4,723), AgFirst Farm Credit Bank ($6,537) and CRESCENT MORTGAGE COMPANY ($7,630).

    The lowest rate Vidalia lenders (with over 10 loans originated) are CRESCENT MORTGAGE COMPANY (2.89%), AgFirst Farm Credit Bank (3.03%), Colony Bank (3.05%), QUICKEN LOANS, LLC (3.19%) and SOUTHPOINT FINANCIAL SERVICES, INC. (3.37%).

    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 2020 Loan Value 2021 Loan Value % Change 2021 Market Share
    QUICKEN LOANS, LLC $14,395,000 $14,335,000 -0.4% 14.7%
    Colony Bank $7,505,000 $5,550,000 -26.0% 5.7%
    AgFirst Farm Credit Bank $3,010,000 $5,085,000 68.9% 5.2%
    Blue Ridge Bank $4,870,000 $4,525,000 -7.1% 4.6%
    CRESCENT MORTGAGE COMPANY $7,160,000 $4,150,000 -42.0% 4.3%
    Mortgage Research Center, LLC $1,190,000 $2,895,000 143.3% 3.0%
    LOANDEPOT.COM, LLC $1,205,000 $2,555,000 112.0% 2.6%
    Wells Fargo Bank $1,400,000 $2,525,000 80.4% 2.6%
    Truist Bank $1,975,000 $2,400,000 21.5% 2.5%
    SOUTHPOINT FINANCIAL SERVICES, INC. $1,385,000 $2,240,000 61.7% 2.3%
    United Community Bank $2,300,000 $2,195,000 -4.6% 2.3%
    THE MORTGAGE FIRM, INC. $1,970,000 n/a 2.0%
    21ST MORTGAGE CORPORATION $1,760,000 $1,815,000 3.1% 1.9%
    Renasant Bank $1,180,000 $1,810,000 53.4% 1.9%
    Ameris Bank $1,760,000 $1,640,000 -6.8% 1.7%
    GMFS LLC $1,555,000 n/a 1.6%
    FREEDOM MORTGAGE CORPORATION $1,375,000 $1,540,000 12.0% 1.6%
    UNITED WHOLESALE MORTGAGE, LLC $625,000 $1,410,000 125.6% 1.4%
    NAVY FEDERAL CREDIT UNION $670,000 $1,405,000 109.7% 1.4%
    Platinum Home Mortgage Corporation $625,000 $1,295,000 107.2% 1.3%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $270,000 $1,205,000 346.3% 1.2%
    PENNYMAC LOAN SERVICES, LLC $755,000 $1,110,000 47.0% 1.1%
    BANKSOUTH MORTGAGE COMPANY, LLC $95,000 $1,065,000 1,021.1% 1.1%
    Mr. Cooper ( Nationstar Mortgage ) $575,000 $1,040,000 80.9% 1.1%
    BROKER SOLUTIONS, INC. $560,000 $985,000 75.9% 1.0%
    GUARANTY HOME MORTGAGE CORPORATION $195,000 $950,000 387.2% 1.0%
    GUILD MORTGAGE COMPANY $205,000 $925,000 351.2% 0.9%
    AMERISAVE MORTGAGE CORPORATION $905,000 $915,000 1.1% 0.9%
    CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $475,000 $870,000 83.2% 0.9%
    CERTAINTY HOME LOANS, LLC $250,000 $870,000 248.0% 0.9%
    South State Bank $145,000 $820,000 465.5% 0.8%
    AMERICAN PACIFIC MORTGAGE CORPORATION $750,000 n/a 0.8%
    VILLAGE CAPITAL & INVESTMENT LLC $720,000 $730,000 1.4% 0.7%
    FINANCE OF AMERICA COMMERCIAL LLC $725,000 n/a 0.7%
    VANDERBILT MORTGAGE AND FINANCE, INC. $815,000 $715,000 -12.3% 0.7%
    GUARANTEED RATE, INC. $750,000 $695,000 -7.3% 0.7%
    Exchange Bank $240,000 $640,000 166.7% 0.7%
    Colonial Savings, F.A. $215,000 $620,000 188.4% 0.6%
    HOMESTAR FINANCIAL CORPORATION $630,000 $610,000 -3.2% 0.6%
    USAA Federal Savings Bank $725,000 $600,000 -17.2% 0.6%
    Barrington Bank & Trust Company, N.A. $215,000 $570,000 165.1% 0.6%
    First Guaranty Mortgage Corporation $250,000 $540,000 116.0% 0.6%
    Glennville Bank $85,000 $510,000 500.0% 0.5%
    Bank of Dudley $480,000 n/a 0.5%
    TRIAD FINANCIAL SERVICES, INC. $275,000 $475,000 72.7% 0.5%
    Regions Bank $710,000 $470,000 -33.8% 0.5%
    Wyndham Capital Mortgage, Inc. $465,000 n/a 0.5%
    Synovus Bank $755,000 $455,000 -39.7% 0.5%
    HOME POINT FINANCIAL CORPORATION $430,000 n/a 0.4%
    PROVIDENT FUNDING ASSOCIATES, L.P. $425,000 n/a 0.4%
    InterContinental Capital Group, Inc $370,000 n/a 0.4%
    OCMBC, INC. $365,000 n/a 0.4%
    Chicago Mortgage Solutions LLC $360,000 n/a 0.4%
    MOVEMENT MORTGAGE, LLC $170,000 $345,000 102.9% 0.4%
    PLANET HOME LENDING, LLC $355,000 $345,000 -2.8% 0.4%
    Carrington Mortgage Services, LLC $330,000 n/a 0.3%
    Ally Bank $655,000 $310,000 -52.7% 0.3%
    JPMorgan Chase Bank $310,000 n/a 0.3%
    Morris Bank $540,000 $310,000 -42.6% 0.3%
    Mortgage Assurance Inc. $305,000 n/a 0.3%
    CALIBER HOME LOANS, INC. $75,000 $300,000 300.0% 0.3%
    STOCKTON MORTGAGE CORPORATION $300,000 n/a 0.3%
    ROBINS FINANCIAL $1,195,000 $290,000 -75.7% 0.3%
    ATLANTIC BAY MORTGAGE GROUP, L.L.C. $275,000 n/a 0.3%
    NEW DAY FINANCIAL, LLC $505,000 $270,000 -46.5% 0.3%
    HOMESIDE FINANCIAL, LLC $185,000 $260,000 40.5% 0.3%
    First Federal Bank $310,000 $245,000 -21.0% 0.3%
    FirstBank $250,000 $235,000 -6.0% 0.2%
    TJC Mortgage, Inc. $235,000 n/a 0.2%
    Low VA Rates, LLC $310,000 $230,000 -25.8% 0.2%
    AMERICAN ADVISORS GROUP $95,000 $225,000 136.8% 0.2%
    BETTER MORTGAGE CORPORATION $950,000 $225,000 -76.3% 0.2%
    POWERCO $280,000 $220,000 -21.4% 0.2%
    Citizens Bank $210,000 n/a 0.2%
    RUOFF MORTGAGE COMPANY, INC. $210,000 n/a 0.2%
    AMERICAN FINANCING CORPORATION $205,000 n/a 0.2%
    MORTGAGE SOLUTIONS OF COLORADO, LLC $195,000 n/a 0.2%
    SOUTHERN TRUST MORTGAGE, LLC $195,000 n/a 0.2%
    Pineland Bank $190,000 n/a 0.2%
    ATLANTA POSTAL $165,000 $185,000 12.1% 0.2%
    Magnolia Bank $185,000 n/a 0.2%
    Citibank $175,000 n/a 0.2%
    MIDLAND MORTGAGE CORPORATION $175,000 n/a 0.2%
    NATIONS DIRECT MORTGAGE, LLC $175,000 n/a 0.2%
    Southwest Airlines Federal Credit Union $175,000 n/a 0.2%
    AMERICAN FINANCIAL RESOURCES, INC. $170,000 n/a 0.2%
    CELEBRITY HOME LOANS, LLC $165,000 n/a 0.2%
    CIS Financial Services, Inc. $165,000 n/a 0.2%
    TOP FLITE FINANCIAL, INC. $185,000 $165,000 -10.8% 0.2%
    Bank of England $155,000 n/a 0.2%
    SUCCESS MORTGAGE PARTNERS, INC. $155,000 n/a 0.2%
    T2 FINANCIAL LLC $155,000 n/a 0.2%
    First State Bank of St. Charles, Missouri $145,000 n/a 0.1%
    Republic Bank & Trust Company $145,000 n/a 0.1%
    SOFI LENDING CORP. $145,000 n/a 0.1%
    MEMBER ONE $135,000 n/a 0.1%
    MID AMERICA MORTGAGE, INC. $135,000 n/a 0.1%
    GEORGIA UNITED $200,000 $130,000 -35.0% 0.1%
    SIGNATURE MORTGAGE CORPORATION $125,000 n/a 0.1%
    CMG MORTGAGE, INC. $115,000 n/a 0.1%
    GENEVA FINANCIAL, LLC $115,000 n/a 0.1%
    Prosperity Home Mortgage, LLC $115,000 n/a 0.1%
    U.S. Bank $135,000 $115,000 -14.8% 0.1%
    CREDIT UNION FINANCIAL SERVICES, LLC $105,000 n/a 0.1%
    INTERSTATE UNLIMITED Federal Credit Union $105,000 n/a 0.1%
    PENTAGON FEDERAL CREDIT UNION $135,000 $105,000 -22.2% 0.1%
    Plains Commerce Bank $105,000 n/a 0.1%
    SOUTHWEST STAGE FUNDING, LLC $570,000 $105,000 -81.6% 0.1%
    First Option Mortgage, LLC $95,000 n/a 0.1%
    First Reliance Bank $95,000 n/a 0.1%
    Flagstar Bank, FSB $95,000 n/a 0.1%
    Nations Lending Corporation $95,000 n/a 0.1%
    NEWREZ LLC $205,000 $95,000 -53.7% 0.1%
    DRAPER AND KRAMER MORTGAGE CORP. $85,000 n/a 0.1%
    PHH Mortgage Corporation $155,000 $85,000 -45.2% 0.1%
    PNC Bank $85,000 n/a 0.1%
    CREDIT HUMAN FEDERAL CREDIT UNION $100,000 $65,000 -35.0% 0.1%
    Figure Lending LLC $60,000 n/a 0.1%
    GEORGIA'S OWN $25,000 n/a 0.0%
    South Georgia Bank $130,000 $25,000 -80.8% 0.0%

    Vidalia's top lender by overall market share is QUICKEN LOANS, LLC, with 14.7% market share. In second place, with 5.7%, is Colony Bank, having originated $5,550,000 in loans. In third place, with 5.2%, is AgFirst Farm Credit Bank, having originated $5,085,000 in loans. In fourth place, with 4.6%, is Blue Ridge Bank, having originated $4,525,000 in loans. In fifth place, with 4.3%, is CRESCENT MORTGAGE COMPANY, having originated $4,150,000 in loans.

    Vidalia Housing Market Trends (Median, Average Prices & Listing Count)

    Realtor.com - Vidalia (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 $146,625 (1.0%) $168,565 (-6.5%) 0.00 118
    2018-02-01 $149,125 (-5.2%) $187,321 (0.6%) 0.00 115
    2018-03-01 $150,000 (0.6%) $189,156 (4.1%) 0.00 123
    2018-04-01 $153,325 (2.4%) $197,947 (9.2%) 0.00 133
    2018-05-01 $154,450 (-0.4%) $196,442 (4.6%) 0.00 134
    2018-06-01 $149,900 (-0.1%) $194,682 (5.9%) 0.00 133
    2018-07-01 $142,450 (-10.2%) $190,778 (2.5%) 0.00 129
    2018-08-01 $139,900 (-8.2%) $189,272 (5.4%) 0.00 128
    2018-09-01 $135,000 (-10.0%) $181,402 (3.7%) 0.00 135
    2018-10-01 $136,500 (-8.8%) $178,756 (5.9%) 0.00 137
    2018-11-01 $141,100 (-2.2%) $188,129 (13.4%) 0.00 128
    2018-12-01 $149,000 (-0.5%) $188,430 (11.1%) 0.00 125
    2019-01-01 $149,700 (2.1%) $189,806 (12.6%) 0.00 107
    2019-02-01 $149,450 (0.2%) $192,863 (3.0%) 0.00 112
    2019-03-01 $148,543 (-1.0%) $195,325 (3.3%) 0.00 114
    2019-04-01 $149,043 (-2.8%) $199,114 (0.6%) 0.00 110
    2019-05-01 $149,450 (-3.2%) $204,342 (4.0%) 0.00 115
    2019-06-01 $148,000 (-1.3%) $200,579 (3.0%) 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 $161,750 (-1.2%) $235,116 (14.2%) 0.00 41
    2021-05-01 $176,950 (5.3%) $240,720 (13.5%) 0.00 40
    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 (66.9%) $303,379 (29.0%) 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
    Vidalia's median listing price for 2023-02-01 was $294,704, a difference of $-4,296 (-1.4%) versus the prior year and $10,004 versus the prior month.

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

    Vidalia's average listing price for 2023-02-01 was $555,086, a difference of $220,819 (66.1%) versus the prior year and $26,808 versus the prior month.

    For the 2023-02-01 period, Vidalia had 36 MLS listings, a difference of -12 listings (-25%) versus the prior month and 9 listings (33%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Vidalia (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 2,035 sqft
    2018-02-01 0 days 2,168 sqft
    2018-03-01 0 days 2,157 sqft
    2018-04-01 0 days 2,181 sqft
    2018-05-01 0 days 2,172 sqft
    2018-06-01 0 days 2,181 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 2,029 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 2,387 sqft
    2020-08-01 0 days 2,460 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 2,229 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 2,349 sqft
    2022-01-01 0 days 2,294 sqft
    2022-02-01 0 days 2,389 sqft
    2022-03-01 0 days 2,535 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
    Vidalia's median listing age (time on market) for 2023-02-01 was 0 days.

    Vidalia's median square footage for active listings during the 2023-02-01 period was 2,483 sqft. One year prior, the average listing was 2,389 sqft.

    Vidalia, GA Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 282 $47,210,000 $167,411
    Refi 171 $29,585,000 $173,012
    Cash Out Refi 116 $18,850,000 $162,500
    Home Improvement 15 $755,000 $50,333
    Other 10 $1,070,000 $107,000

    Vidalia's most frequently cited loan purpose was Home Purchase, with 282 originations. The 2nd most popular reason was Refi, with 171 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    2.5-3% 237 $41,855,000 $176,603
    3-4% 181 $29,885,000 $165,110
    <2.5% 105 $18,275,000 $174,048
    4-5% 19 $2,325,000 $122,368
    Over 8% 12 $880,000 $73,333
    7-8% 12 $1,050,000 $87,500
    5-6% 6 $660,000 $110,000
    6-7% 5 $385,000 $77,000

    During 2021, Vidalia's most frequently originated rate bucket was 2.5-3%, with 237 originations.

    Loan Sizing (Vidalia, GA MSA)

    Loan Size Originations Total Value Average Loan
    $100k-200k 300 $43,270,000 $144,233
    $100,000 or less 145 $10,095,000 $69,621
    $200k-400k 127 $33,725,000 $265,551
    $400k-600k 20 $8,920,000 $446,000
    $600k-1000k 2 $1,460,000 $730,000

    Vidalia's loan sizing saw the bucket of loans from $100k-200k with 300 originations, totaling $43,270,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 290 $49,900,000 $172,069
    60-80% 177 $30,855,000 $174,322
    40-60% 55 $6,765,000 $123,000
    20-40% 22 $1,850,000 $84,091
    Over 100% 8 $2,190,000 $273,750
    Under 20% 6 $150,000 $25,000

    Vidalia's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 290 originations, totaling $49,900,000 in origination value.