Vidalia Mortgage Rates & Closing Costs

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

    30 Year Fixed Rate mortgages in Vidalia averaged 6.85% for the week of 2023-11-22, compared to the national average of 7.29% for the same period.

    The average rate for the prior week (2023-11-16) was 7.2% and one month ago for the week of 2023-10-19, the average rate was 7.29%.

    Vidalia's average rate one year ago was 6.07%.

    For refis of the same type during the week of 2023-11-22, the average rate was 7.89%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2023-11-22 7.29%
    Vidalia 30 Year Fixed Rate 2023-11-22 6.85%
    Vidalia 30 Year Fixed Rate Refi 2023-11-22 7.89%
    Vidalia 15 Year Fixed Rate 2023-11-22 6.87%
    Vidalia 15 Year Fixed Rate Refi 2023-11-22 7.07%
    Vidalia 30 Year FHA 2023-11-22 -0.2%
    Vidalia 30 Year FHA Refi 2023-11-22 0%
    Vidalia 30 Year USDA 2023-11-22 0.1%
    Vidalia 30 Year USDA Refi 2023-11-22 -0.2%
    Vidalia 30 Year VA 2023-11-22 0.1%
    Vidalia 30 Year VA Refi 2023-11-22 -0.1%
    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 2022 Avg. 30yFix Rate 2022 Avg. Closing Costs
    AgFirst Farm Credit Bank 14 4.44% $6,869
    THE MORTGAGE FIRM, INC. 14 4.95% $6,976
    QUICKEN LOANS, LLC 12 4.94% $6,030
    Ameris Bank 8 5.56% $4,122
    Wells Fargo Bank 6 3.94% $3,412
    PENNYMAC LOAN SERVICES, LLC 3 4.92% $6,297
    POWERCO 3 5.25% $3,291
    CRESCENT MORTGAGE COMPANY 3 3.87% $6,256
    Renasant Bank 3 3.88% $4,696
    Truist 3 5.58% $3,636
    United Community Bank 3 4.96% $4,821
    SOUTHPOINT FINANCIAL SERVICES, INC. 2 4.88% $9,619
    CARDINAL FINANCIAL 2 4.94% $6,526
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 2 4.18% $2,431
    GUARANTY HOME MORTGAGE CORPORATION 2 6.31% $3,800
    AMERISAVE MORTGAGE CORPORATION 2 4.88% $4,508
    21ST MORTGAGE CORPORATION 2 6.05% $7,201
    Colony Bank 2 3.81% $2,995
    MOVEMENT MORTGAGE, LLC 2 6.28% $5,394
    Platinum Home Mortgage Corporation 2 4.88% $8,326
    Mortgage Research Center, LLC 1 4.99% $1,695
    Mr. Cooper ( Nationstar Mortgage ) 1 3.63% $5,477
    NAVY FEDERAL CREDIT UNION 1 6.63% $4,318
    NEWREZ LLC 1 6.63% $4,059
    PLANET HOME LENDING, LLC 1 3.99% $7,372
    PNC Bank 1 4.38% $7,141
    PREMIA MORTGAGE, LLC 1 3.99% $3,290
    PRIMARY RESIDENTIAL MORTGAGE, INC. 1 7.25% $5,603
    Queensborough National Bank & Trust Company 1 3.75% $6,103
    RAPID MORTGAGE COMPANY 1 4.25% $8,522
    Synovus Bank 1 4.25% $3,754
    TOWNE MORTGAGE COMPANY 1 5.75% $8,531
    UNITED WHOLESALE MORTGAGE, LLC 1 3.44% $3,780
    ZILLOW HOME LOANS, LLC 1 3.13% $5,596
    AMERICAN FINANCING CORPORATION 1 4.88% $7,233
    AmeriHome Mortgage Company, LLC 1 3.88% $4,275
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 5.38% $3,875
    BANKSOUTH MORTGAGE COMPANY, LLC 1 5.63% $6,685
    Blue Ridge Bank 1 5.75% $3,823
    BNC National Bank 1 3.25% $9,950
    BROKER SOLUTIONS, INC. 1 5.35% $4,124
    Discover Bank 1 4.15% $0
    EMM LOANS LLC 1 6.13% $12,437
    EVERETT FINANCIAL, INC. 1 3.75% $2,516
    Fifth Third Bank 1 4.13% $4,571
    First Horizon Bank 1 5.38% $4,625
    First State Bank of St. Charles, Missouri 1 5.13% $3,388
    GUARANTEED RATE, INC. 1 5.63% $4,973
    HOME POINT FINANCIAL CORPORATION 1 2.99% $6,227
    HOMESTAR FINANCIAL CORPORATION 1 5.13% $589
    INTERSTATE UNLIMITED Federal Credit Union 1 6.25% $6,069
    LENOX FINANCIAL MORTGAGE CORPORATION 1 4.25% $4,643
    MILEND, INC. 1 5.63% $5,200

    Vidalia Average Closing Costs & Other Stats

    Vidalia, GA's 53 lenders originated 361 loans during 2022. The total origination value was $65,675,000, with an average loan value of $181,925.

    Vidalia's average closing costs are $5,217.

    The top Vidalia lender as defined by loan originations is AgFirst Farm Credit Bank, with 14 loans originated. Their average total fees are $6,869, which is $107 lower than the next largest lender, THE MORTGAGE FIRM, INC..

    The lowest fee Vidalia lenders (with over 10 loans originated) are QUICKEN LOANS, LLC ($6,030), AgFirst Farm Credit Bank ($6,869), THE MORTGAGE FIRM, INC. ($6,976), .

    The lowest rate Vidalia lenders (with over 10 loans originated) are AgFirst Farm Credit Bank (4.44%), QUICKEN LOANS, LLC (4.94%), THE MORTGAGE FIRM, INC. (4.95%), .

    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 2021 Loan Value 2022 Loan Value % Change 2022 Market Share
    QUICKEN LOANS, LLC $14,335,000 $6,930,000 -51.7% 10.6%
    THE MORTGAGE FIRM, INC. $1,970,000 $6,890,000 249.7% 10.5%
    AgFirst Farm Credit Bank $5,085,000 $3,755,000 -26.2% 5.7%
    PrimeSouth Bank $2,655,000 n/a 4.0%
    Mortgage Research Center, LLC $2,895,000 $2,520,000 -13.0% 3.8%
    Ameris Bank $1,640,000 $2,265,000 38.1% 3.4%
    Citizens Bank $210,000 $2,205,000 950.0% 3.4%
    Bank of Dudley $480,000 $1,715,000 257.3% 2.6%
    Wells Fargo Bank $2,525,000 $1,510,000 -40.2% 2.3%
    21ST MORTGAGE CORPORATION $1,815,000 $1,475,000 -18.7% 2.2%
    NAVY FEDERAL CREDIT UNION $1,405,000 $1,440,000 2.5% 2.2%
    Platinum Home Mortgage Corporation $1,295,000 $1,355,000 4.6% 2.1%
    Truist $2,400,000 $1,235,000 -48.5% 1.9%
    United Community Bank $2,195,000 $1,230,000 -44.0% 1.9%
    GUARANTEED RATE, INC. $695,000 $1,170,000 68.3% 1.8%
    UNITED WHOLESALE MORTGAGE, LLC $1,410,000 $1,110,000 -21.3% 1.7%
    AMERISAVE MORTGAGE CORPORATION $915,000 $970,000 6.0% 1.5%
    Renasant Bank $1,810,000 $965,000 -46.7% 1.5%
    PENNYMAC LOAN SERVICES, LLC $1,110,000 $950,000 -14.4% 1.4%
    Mr. Cooper ( Nationstar Mortgage ) $1,040,000 $945,000 -9.1% 1.4%
    FREEDOM MORTGAGE CORPORATION $1,540,000 $880,000 -42.9% 1.3%
    NEW DAY FINANCIAL, LLC $270,000 $855,000 216.7% 1.3%
    HOMESTAR FINANCIAL CORPORATION $610,000 $760,000 24.6% 1.2%
    CRESCENT MORTGAGE COMPANY $4,150,000 $685,000 -83.5% 1.0%
    POWERCO $220,000 $655,000 197.7% 1.0%
    VANDERBILT MORTGAGE AND FINANCE, INC. $715,000 $620,000 -13.3% 0.9%
    Colony Bank $5,550,000 $600,000 -89.2% 0.9%
    Northpointe Bank $570,000 n/a 0.9%
    SOUTHPOINT FINANCIAL SERVICES, INC. $2,240,000 $565,000 -74.8% 0.9%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $1,205,000 $540,000 -55.2% 0.8%
    CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $870,000 $535,000 -38.5% 0.8%
    EVERETT FINANCIAL, INC. $490,000 n/a 0.7%
    AMERIFIRST FINANCIAL CORPORATION $470,000 n/a 0.7%
    Glennville Bank $510,000 $465,000 -8.8% 0.7%
    LOANDEPOT.COM, LLC $2,555,000 $445,000 -82.6% 0.7%
    INTERSTATE UNLIMITED Federal Credit Union $105,000 $440,000 319.0% 0.7%
    TOWNE MORTGAGE COMPANY $425,000 n/a 0.6%
    USAA Federal Savings Bank $600,000 $425,000 -29.2% 0.6%
    BROKER SOLUTIONS, INC. $985,000 $410,000 -58.4% 0.6%
    BNC National Bank $405,000 n/a 0.6%
    EMM LOANS LLC $405,000 n/a 0.6%
    GUARANTY HOME MORTGAGE CORPORATION $950,000 $395,000 -58.4% 0.6%
    PNC Bank $85,000 $380,000 347.1% 0.6%
    VILLAGE CAPITAL MORTGAGE $730,000 $370,000 -49.3% 0.6%
    First Horizon Bank $365,000 n/a 0.6%
    Queensborough National Bank & Trust Company $360,000 n/a 0.5%
    Nations Lending Corporation $95,000 $340,000 257.9% 0.5%
    Blue Ridge Bank $4,525,000 $320,000 -92.9% 0.5%
    PREMIA MORTGAGE, LLC $315,000 n/a 0.5%
    Sunflower Bank $315,000 n/a 0.5%
    MORTGAGE SOLUTIONS OF COLORADO, LLC $195,000 $305,000 56.4% 0.5%
    ZILLOW HOME LOANS, LLC $275,000 n/a 0.4%
    Loan Simple, Inc. $265,000 n/a 0.4%
    Morris Bank $310,000 $265,000 -14.5% 0.4%
    BANKSOUTH MORTGAGE COMPANY, LLC $1,065,000 $255,000 -76.1% 0.4%
    PLANET HOME LENDING, LLC $345,000 $235,000 -31.9% 0.4%
    PRIMARY RESIDENTIAL MORTGAGE, INC. $235,000 n/a 0.4%
    SPRING EQ, LLC $230,000 n/a 0.4%
    HOMEBRIDGE FINANCIAL SERVICES, INC. $215,000 n/a 0.3%
    US MORTGAGE CORPORATION $215,000 n/a 0.3%
    CANOPY MORTGAGE, LLC $205,000 n/a 0.3%
    Carrington Mortgage Services, LLC $330,000 $200,000 -39.4% 0.3%
    MOVEMENT MORTGAGE, LLC $345,000 $200,000 -42.0% 0.3%
    Equity Prime Mortgage LLC $195,000 n/a 0.3%
    Regions Bank $470,000 $195,000 -58.5% 0.3%
    ROBINS FINANCIAL $290,000 $185,000 -36.2% 0.3%
    AmeriHome Mortgage Company, LLC $175,000 n/a 0.3%
    COUNTRYPLACE MORTGAGE, LTD. $175,000 n/a 0.3%
    DELTA COMMUNITY CREDIT UNION $175,000 n/a 0.3%
    ARK-LA-TEX FINANCIAL SERVICES, LLC. $165,000 n/a 0.3%
    First State Bank of St. Charles, Missouri $145,000 $165,000 13.8% 0.3%
    Lakeview Community Capital, LLC $165,000 n/a 0.3%
    PENTAGON FEDERAL CREDIT UNION $105,000 $165,000 57.1% 0.3%
    LOANPAL, LLC $155,000 n/a 0.2%
    RAPID MORTGAGE COMPANY $155,000 n/a 0.2%
    SOVEREIGN LENDING GROUP INCORPORATED $155,000 n/a 0.2%
    MUTUAL OF OMAHA MORTGAGE, INC. $145,000 n/a 0.2%
    AMERICAN FINANCING CORPORATION $205,000 $115,000 -43.9% 0.2%
    HOME POINT FINANCIAL CORPORATION $430,000 $115,000 -73.3% 0.2%
    HOMESIDE FINANCIAL, LLC $260,000 $115,000 -55.8% 0.2%
    MILEND, INC. $115,000 n/a 0.2%
    NEWREZ LLC $95,000 $110,000 15.8% 0.2%
    Discover Bank $105,000 n/a 0.2%
    GUILD MORTGAGE COMPANY $925,000 $95,000 -89.7% 0.1%
    Synovus Bank $455,000 $95,000 -79.1% 0.1%
    CIS Financial Services, Inc. $165,000 $85,000 -48.5% 0.1%
    LENOX FINANCIAL MORTGAGE CORPORATION $85,000 n/a 0.1%
    M&T Bank $85,000 n/a 0.1%
    Pineland Bank $190,000 $85,000 -55.3% 0.1%
    Plains Commerce Bank $105,000 $75,000 -28.6% 0.1%
    Third Federal Savings and Loan Association of Cleveland $75,000 n/a 0.1%
    TRIAD FINANCIAL SERVICES, INC. $475,000 $75,000 -84.2% 0.1%
    ALTRA $65,000 n/a 0.1%
    SECURITYNATIONAL MORTGAGE COMPANY $65,000 n/a 0.1%
    SRP Federal Credit Union $65,000 n/a 0.1%
    RUOFF MORTGAGE COMPANY, INC. $210,000 $55,000 -73.8% 0.1%
    Fifth Third Bank $45,000 n/a 0.1%
    Figure Lending LLC $60,000 $45,000 -25.0% 0.1%
    JPMorgan Chase Bank $310,000 $45,000 -85.5% 0.1%
    GEORGIA UNITED $130,000 $25,000 -80.8% 0.0%
    South Georgia Bank $25,000 $25,000 0.0% 0.0%
    Vibrant Credit Union $25,000 n/a 0.0%

    Vidalia's top lender by overall market share is QUICKEN LOANS, LLC, with 10.6% market share. In second place, with 10.5%, is THE MORTGAGE FIRM, INC., having originated $6,890,000 in loans. In third place, with 5.7%, is AgFirst Farm Credit Bank, having originated $3,755,000 in loans. In fourth place, with 4.0%, is PrimeSouth Bank, having originated $2,655,000 in loans. In fifth place, with 3.8%, is Mortgage Research Center, LLC, having originated $2,520,000 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%) $199,107 (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
    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 $231,125 (-10.6%) $346,090 (11.2%) 0.00 44
    2023-06-01 $259,900 (11.3%) $354,031 (21.7%) 0.00 37
    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 $287,450 (10.6%) $350,089 (-23.2%) 0.00 51
    2023-10-01 $279,950 (0.0%) $362,695 (-27.9%) 0.00 58
    Vidalia's median listing price for 2023-10-01 was $279,950, a difference of $-50 (0.0%) versus the prior year and $-7,500 versus the prior month.

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

    Vidalia's average listing price for 2023-10-01 was $362,695, a difference of $-140,135 (-27.9%) versus the prior year and $12,606 versus the prior month.

    For the 2023-10-01 period, Vidalia had 58 MLS listings, a difference of 7 listings (14%) versus the prior month and 7 listings (14%) 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 2,002 sqft
    2019-03-01 0 days 2,049 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 2,229 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 2,376 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 2,147 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 2,178 sqft
    Vidalia's median listing age (time on market) for 2023-10-01 was 0 days.

    Vidalia's median square footage for active listings during the 2023-10-01 period was 2,178 sqft. One year prior, the average listing was 2,483 sqft.

    Vidalia, GA Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 198 $39,510,000 $199,545
    Cash Out Refi 98 $18,140,000 $185,102
    Refi 40 $6,120,000 $153,000
    Home Improvement 14 $930,000 $66,429
    Other 11 $975,000 $88,636

    Vidalia's most frequently cited loan purpose was Home Purchase, with 198 originations. The 2nd most popular reason was Cash Out Refi, with 98 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    4-5% 84 $15,590,000 $185,595
    5-6% 84 $15,350,000 $182,738
    3-4% 82 $17,220,000 $210,000
    6-7% 38 $6,640,000 $174,737
    7-8% 17 $2,395,000 $140,882
    2.5-3% 17 $2,725,000 $160,294
    Over 8% 15 $1,545,000 $103,000
    <2.5% 8 $1,580,000 $197,500

    During 2022, Vidalia's most frequently originated rate bucket was 4-5%, with 84 originations.

    Loan Sizing (Vidalia, GA MSA)

    Loan Size Originations Total Value Average Loan
    $100k-200k 164 $24,460,000 $149,146
    $200k-400k 96 $25,540,000 $266,042
    $100,000 or less 90 $6,070,000 $67,444
    $400k-600k 8 $3,420,000 $427,500
    $Over $1MM 3 $6,185,000 $2,061,667

    Vidalia's loan sizing saw the bucket of loans from $100k-200k with 164 originations, totaling $24,460,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 180 $34,130,000 $189,611
    60-80% 84 $17,690,000 $210,595
    40-60% 38 $7,040,000 $185,263
    20-40% 27 $2,095,000 $77,593
    Over 100% 8 $1,830,000 $228,750
    Under 20% 8 $260,000 $32,500

    Vidalia's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 180 originations, totaling $34,130,000 in origination value.