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 7.17% for the week of 2024-04-25, compared to the national average of 7.17% for the same period.

    The average rate for the prior week (2024-04-18) was 7.2% and one month ago for the week of 2024-03-21, the average rate was 6.67%.

    Vidalia's average rate one year ago was 6.19%.

    For refis of the same type during the week of 2024-04-25, the average rate was 7.07%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2024-04-25 7.17%
    Vidalia 30 Year Fixed Rate 2024-04-25 7.17%
    Vidalia 30 Year Fixed Rate Refi 2024-04-25 7.07%
    Vidalia 15 Year Fixed Rate 2024-04-25 6.44%
    Vidalia 15 Year Fixed Rate Refi 2024-04-25 7.04%
    Vidalia 30 Year FHA 2024-04-25 6.68%
    Vidalia 30 Year FHA Refi 2024-04-25 6.98%
    Vidalia 30 Year USDA 2024-04-25 6.94%
    Vidalia 30 Year USDA Refi 2024-04-25 6.74%
    Vidalia 30 Year VA 2024-04-25 6.66%
    Vidalia 30 Year VA Refi 2024-04-25 6.56%
    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 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    QUICKEN LOANS, LLC 11 6.65% $7,134
    THE MORTGAGE FIRM, INC. 8 6.56% $6,961
    21ST MORTGAGE CORPORATION 5 7.85% $6,567
    AgFirst Farm Credit Bank 3 7.13% $5,496
    BROKER SOLUTIONS, INC. 3 7.03% $5,920
    Truist 3 6.62% $5,520
    GUARANTEED RATE, INC. 2 6.56% $6,509
    Bank of America 2 6.50% $3,299
    CROSSCOUNTRY MORTGAGE, LLC 2 6.75% $6,177
    NAVY FEDERAL CREDIT UNION 2 6.06% $4,911
    Northpointe Bank 2 7.81% $5,431
    POWERCO 2 6.75% $3,228
    ROBINS FINANCIAL 2 5.06% $3,133
    Equity Prime Mortgage LLC 1 6.88% $7,304
    EVERETT FINANCIAL, INC. 1 7.25% $4,354
    FirstBank 1 8.25% $5,105
    Flagstar Bank, FSB 1 7.88% $6,481
    Arvest Bank 1 8.63% $7,881
    INTERSTATE UNLIMITED Federal Credit Union 1 9.00% $5,458
    MOVEMENT MORTGAGE, LLC 1 6.44% $5,852
    MUTUAL OF OMAHA MORTGAGE, INC. 1 6.75% $5,113
    Ameris Bank 1 7.25% $7,471
    AMERICAN FINANCIAL RESOURCES, INC. 1 7.00% $4,685
    PENNYMAC LOAN SERVICES, LLC 1 6.75% $3,444
    UNITED WHOLESALE MORTGAGE, LLC 1 7.00% $2,146
    APCO EMPLOYEES 1 6.75% $4,145
    Regions Bank 1 5.88% $9,520
    Renasant Bank 1 7.50% $7,473
    VANDERBILT MORTGAGE AND FINANCE, INC. 1 5.88% $3,974
    RUOFF MORTGAGE COMPANY, INC. 1 6.38% $9,250
    CHURCHILL MORTGAGE CORPORATION 1 6.63% $14,238
    CMG MORTGAGE, INC. 1 6.38% $9,631
    CONTOUR MORTGAGE CORPORATION 1 6.50% $3,769
    CRESCENT MORTGAGE COMPANY 1 5.88% $6,789
    SIRVA MORTGAGE, INC. 1 5.75% $0

    Vidalia Average Closing Costs & Other Stats

    Vidalia, GA's 35 lenders originated 265 loans during 2023. The total origination value was $44,635,000, with an average loan value of $168,434.

    Vidalia's average closing costs are $5,491.

    The top Vidalia lender as defined by loan originations is QUICKEN LOANS, LLC, with 11 loans originated. Their average total fees are $7,134, which is $173 higher than the next largest lender, THE MORTGAGE FIRM, INC..

    The lowest fee Vidalia lenders (with over 10 loans originated) are QUICKEN LOANS, LLC ($7,134), .

    The lowest rate Vidalia lenders (with over 10 loans originated) are QUICKEN LOANS, LLC (6.65%), .

    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 2022 Loan Value 2023 Loan Value % Change 2023 Market Share
    QUICKEN LOANS, LLC $6,930,000 $5,500,000 -20.6% 12.3%
    21ST MORTGAGE CORPORATION $1,475,000 $2,710,000 83.7% 6.1%
    THE MORTGAGE FIRM, INC. $6,890,000 $2,070,000 -70.0% 4.6%
    Mortgage Research Center, LLC $2,520,000 $1,990,000 -21.0% 4.5%
    Northpointe Bank $570,000 $1,985,000 248.2% 4.4%
    Ameris Bank $2,265,000 $1,590,000 -29.8% 3.6%
    AMERISAVE MORTGAGE CORPORATION $970,000 $1,430,000 47.4% 3.2%
    GUARANTEED RATE, INC. $1,170,000 $1,285,000 9.8% 2.9%
    NAVY FEDERAL CREDIT UNION $1,440,000 $1,180,000 -18.1% 2.6%
    Truist $1,235,000 $1,140,000 -7.7% 2.6%
    AgFirst Farm Credit Bank $3,755,000 $1,080,000 -71.2% 2.4%
    CROSSCOUNTRY MORTGAGE, LLC $1,015,000 n/a 2.3%
    The Federal Savings Bank $990,000 n/a 2.2%
    FREEDOM MORTGAGE CORPORATION $880,000 $940,000 6.8% 2.1%
    POWERCO $655,000 $795,000 21.4% 1.8%
    BROKER SOLUTIONS, INC. $410,000 $690,000 68.3% 1.5%
    NBKC BANK $675,000 n/a 1.5%
    UNITED WHOLESALE MORTGAGE, LLC $1,110,000 $675,000 -39.2% 1.5%
    FirstBank $580,000 n/a 1.3%
    NEW DAY FINANCIAL, LLC $855,000 $560,000 -34.5% 1.3%
    GUILD MORTGAGE COMPANY $95,000 $555,000 484.2% 1.2%
    RUOFF MORTGAGE COMPANY, INC. $55,000 $540,000 881.8% 1.2%
    CHURCHILL MORTGAGE CORPORATION $475,000 n/a 1.1%
    Barrington Bank & Trust Company, N.A. $435,000 n/a 1.0%
    Colony Bank $600,000 $430,000 -28.3% 1.0%
    PENNYMAC LOAN SERVICES, LLC $950,000 $420,000 -55.8% 0.9%
    ROBINS FINANCIAL $185,000 $420,000 127.0% 0.9%
    Bank of America $415,000 n/a 0.9%
    LOANDEPOT.COM, LLC $445,000 $410,000 -7.9% 0.9%
    Regions Bank $195,000 $410,000 110.3% 0.9%
    Flagstar Bank, FSB $405,000 n/a 0.9%
    PENTAGON FEDERAL CREDIT UNION $165,000 $395,000 139.4% 0.9%
    TOWNE MORTGAGE COMPANY $425,000 $395,000 -7.1% 0.9%
    BancorpSouth $375,000 n/a 0.8%
    Glennville Bank $465,000 $350,000 -24.7% 0.8%
    MUTUAL OF OMAHA MORTGAGE, INC. $145,000 $340,000 134.5% 0.8%
    COUNTRYPLACE MORTGAGE, LTD. $175,000 $330,000 88.6% 0.7%
    Bank of Dudley $1,715,000 $320,000 -81.3% 0.7%
    RELIANCE FIRST CAPITAL, LLC $310,000 n/a 0.7%
    MORTGAGE SOLUTIONS OF COLORADO, LLC $305,000 $275,000 -9.8% 0.6%
    Arvest Bank $265,000 n/a 0.6%
    CALIBER HOME LOANS, INC. $265,000 n/a 0.6%
    VANDERBILT MORTGAGE AND FINANCE, INC. $620,000 $260,000 -58.1% 0.6%
    APCO EMPLOYEES $255,000 n/a 0.6%
    M&T Bank $85,000 $255,000 200.0% 0.6%
    EVERETT FINANCIAL, INC. $490,000 $245,000 -50.0% 0.5%
    CMG MORTGAGE, INC. $225,000 n/a 0.5%
    SOUTHEAST MORTGAGE OF GEORGIA, INC. $225,000 n/a 0.5%
    SIRVA MORTGAGE, INC. $215,000 n/a 0.5%
    Renasant Bank $965,000 $200,000 -79.3% 0.4%
    Prosperity Home Mortgage, LLC $195,000 n/a 0.4%
    S. C. TELCO $190,000 n/a 0.4%
    AMERICAN FINANCING CORPORATION $115,000 $185,000 60.9% 0.4%
    ARK-LA-TEX FINANCIAL SERVICES, LLC. $165,000 $185,000 12.1% 0.4%
    ZILLOW HOME LOANS, LLC $275,000 $185,000 -32.7% 0.4%
    Mr. Cooper ( Nationstar Mortgage ) $945,000 $180,000 -81.0% 0.4%
    1ST SIGNATURE LENDING, LLC $175,000 n/a 0.4%
    AMERICAN FINANCIAL NETWORK, INC. $175,000 n/a 0.4%
    CREDIT HUMAN FEDERAL CREDIT UNION $175,000 n/a 0.4%
    HOMESTAR FINANCIAL CORPORATION $760,000 $175,000 -77.0% 0.4%
    INTERSTATE UNLIMITED Federal Credit Union $440,000 $175,000 -60.2% 0.4%
    LIBERTY HOME MORTGAGE CORPORATION $175,000 n/a 0.4%
    MOVEMENT MORTGAGE, LLC $200,000 $175,000 -12.5% 0.4%
    Discover Bank $105,000 $160,000 52.4% 0.4%
    Baxter Credit Union $155,000 n/a 0.3%
    DEEPHAVEN MORTGAGE LLC $155,000 n/a 0.3%
    Nations Lending Corporation $340,000 $155,000 -54.4% 0.3%
    CONTOUR MORTGAGE CORPORATION $145,000 n/a 0.3%
    Equity Prime Mortgage LLC $195,000 $145,000 -25.6% 0.3%
    MILEND, INC. $115,000 $145,000 26.1% 0.3%
    SOUTHWEST STAGE FUNDING, LLC $135,000 n/a 0.3%
    THRIVE MORTGAGE, LLC $135,000 n/a 0.3%
    CIS Financial Services, Inc. $85,000 $125,000 47.1% 0.3%
    AMWEST FUNDING CORP. $115,000 n/a 0.3%
    Carrington Mortgage Services, LLC $200,000 $115,000 -42.5% 0.3%
    CRESCENT MORTGAGE COMPANY $685,000 $105,000 -84.7% 0.2%
    CSL Financial, LLC $105,000 n/a 0.2%
    HOMESIDE FINANCIAL, LLC $115,000 $105,000 -8.7% 0.2%
    Synovus Bank $95,000 $105,000 10.5% 0.2%
    AMERICAN FINANCIAL RESOURCES, INC. $85,000 n/a 0.2%
    AMERICAN PACIFIC MORTGAGE CORPORATION $85,000 n/a 0.2%
    PrimeSouth Bank $2,655,000 $85,000 -96.8% 0.2%
    Southern First Bank $85,000 n/a 0.2%
    Morris Bank $265,000 $75,000 -71.7% 0.2%
    ROYAL UNITED MORTGAGE LLC $75,000 n/a 0.2%
    South Georgia Bank $25,000 $70,000 180.0% 0.2%
    GEORGIA UNITED $25,000 $55,000 120.0% 0.1%
    Figure Lending LLC $45,000 $35,000 -22.2% 0.1%
    Lakeview Community Capital, LLC $165,000 $35,000 -78.8% 0.1%
    United Community Bank $1,230,000 $35,000 -97.2% 0.1%
    Fifth Third Bank $45,000 $25,000 -44.4% 0.1%

    Vidalia's top lender by overall market share is QUICKEN LOANS, LLC, with 12.3% market share. In second place, with 6.1%, is 21ST MORTGAGE CORPORATION, having originated $2,710,000 in loans. In third place, with 4.6%, is THE MORTGAGE FIRM, INC., having originated $2,070,000 in loans. In fourth place, with 4.5%, is Mortgage Research Center, LLC, having originated $1,990,000 in loans. In fifth place, with 4.4%, is Northpointe Bank, having originated $1,985,000 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 $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 $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
    2023-11-01 $249,500 (-12.5%) $354,408 (-27.9%) 0.00 56
    2023-12-01 $275,950 (-4.8%) $380,321 (-26.3%) 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
    Vidalia's median listing price for 2024-03-01 was $252,400, a difference of $-43,325 (-14.7%) versus the prior year and $2,450 versus the prior month.

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

    Vidalia's average listing price for 2024-03-01 was $333,035, a difference of $-188,081 (-36.1%) versus the prior year and $-9,459 versus the prior month.

    For the 2024-03-01 period, Vidalia had 45 MLS listings, a difference of -3 listings (-6%) versus the prior month and 7 listings (18%) 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 2,025 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 2,147 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
    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
    Vidalia's median listing age (time on market) for 2024-03-01 was 0 days.

    Vidalia's median square footage for active listings during the 2024-03-01 period was 1,894 sqft. One year prior, the average listing was 2,623 sqft.

    Vidalia, GA Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 155 $29,165,000 $188,161
    Cash Out Refi 56 $10,540,000 $188,214
    Home Improvement 23 $1,375,000 $59,783
    Refi 18 $2,580,000 $143,333
    Other 13 $975,000 $75,000

    Vidalia's most frequently cited loan purpose was Home Purchase, with 155 originations. The 2nd most popular reason was Cash Out Refi, with 56 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    6-7% 104 $20,810,000 $200,096
    Over 8% 68 $7,650,000 $112,500
    5-6% 41 $8,395,000 $204,756
    7-8% 36 $6,350,000 $176,389
    4-5% 2 $390,000 $195,000

    During 2023, Vidalia's most frequently originated rate bucket was 6-7%, with 104 originations.

    Loan Sizing (Vidalia, GA MSA)

    Loan Size Originations Total Value Average Loan
    $100k-200k 126 $18,740,000 $148,730
    $100,000 or less 65 $3,915,000 $60,231
    $200k-400k 65 $17,315,000 $266,385
    $400k-600k 8 $3,990,000 $498,750
    $600k-1000k 1 $675,000 $675,000

    Vidalia's loan sizing saw the bucket of loans from $100k-200k with 126 originations, totaling $18,740,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 129 $26,445,000 $205,000
    60-80% 52 $9,440,000 $181,538
    40-60% 28 $3,890,000 $138,929
    Under 20% 19 $845,000 $44,474
    20-40% 16 $1,480,000 $92,500
    Over 100% 6 $1,110,000 $185,000

    Vidalia's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 129 originations, totaling $26,445,000 in origination value.