Vidalia Mortgage Rates & Closing Costs
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% |
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 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. LouisDate | 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 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. LouisDate | 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 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.