Vidalia Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Vidalia averaged
6.67%
for the week of 2025-07-03, compared to the national average of
6.67% for the same period.
The average rate for the prior week (2025-06-26) was
6.97% and
one month ago for the week of 2025-05-29, the
average rate was 6.69%.
Vidalia's average rate one year ago was 6.66%.
For refis of the same type during the week of 2025-07-03, the average rate
was 7.17%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-07-03 | 6.67% |
| Vidalia 30 Year Fixed Rate | 2025-07-03 | 6.67% |
| Vidalia 30 Year Fixed Rate Refi | 2025-07-03 | 7.17% |
| Vidalia 15 Year Fixed Rate | 2025-07-03 | 5.7% |
| Vidalia 15 Year Fixed Rate Refi | 2025-07-03 | 5.7% |
| Vidalia 30 Year FHA | 2025-07-03 | 0.1% |
| Vidalia 30 Year FHA Refi | 2025-07-03 | 0% |
| Vidalia 30 Year USDA | 2025-07-03 | -0.2% |
| Vidalia 30 Year USDA Refi | 2025-07-03 | 0.2% |
| Vidalia 30 Year VA | 2025-07-03 | 0% |
| Vidalia 30 Year VA Refi | 2025-07-03 | 0% |
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, 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.