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 6.64% for the week of 2025-04-03, compared to the national average of 6.64% for the same period.

    The average rate for the prior week (2025-03-27) was 6.85% and one month ago for the week of 2025-02-27, the average rate was 6.56%.

    Vidalia's average rate one year ago was 6.69%.

    For refis of the same type during the week of 2025-04-03, the average rate was 6.94%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2025-04-03 6.64%
    Vidalia 30 Year Fixed Rate 2025-04-03 6.64%
    Vidalia 30 Year Fixed Rate Refi 2025-04-03 6.94%
    Vidalia 15 Year Fixed Rate 2025-04-03 5.72%
    Vidalia 15 Year Fixed Rate Refi 2025-04-03 5.82%
    Vidalia 30 Year FHA 2025-04-03 6.26%
    Vidalia 30 Year FHA Refi 2025-04-03 6.36%
    Vidalia 30 Year USDA 2025-04-03 6.42%
    Vidalia 30 Year USDA Refi 2025-04-03 6.52%
    Vidalia 30 Year VA 2025-04-03 5.86%
    Vidalia 30 Year VA Refi 2025-04-03 5.96%
    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 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    QUICKEN LOANS, LLC 16 6.83% $6,399
    THE MORTGAGE FIRM, INC. 7 6.66% $10,079
    AgFirst Farm Credit Bank 4 6.75% $7,383
    21ST MORTGAGE CORPORATION 2 8.66% $6,686
    Colony Bank 2 6.38% $3,532
    GEORGIA UNITED 2 6.88% $5,221
    LOANDEPOT.COM, LLC 2 6.99% $3,677
    NAVY FEDERAL CREDIT UNION 2 7.06% $4,724
    Northpointe Bank 2 6.19% $5,429
    UNITED WHOLESALE MORTGAGE, LLC 2 6.94% $4,951
    Truist 1 6.90% $5,184
    MOVEMENT MORTGAGE, LLC 1 6.63% $3,612
    MUTUAL OF OMAHA MORTGAGE, INC. 1 6.99% $6,713
    Wells Fargo Bank 1 6.00% $5,210
    NBKC BANK 1 7.13% $4,845
    VANDERBILT MORTGAGE AND FINANCE, INC. 1 6.88% $6,431
    PENNYMAC LOAN SERVICES, LLC 1 6.62% $7,693
    PROVIDENT FUNDING ASSOCIATES, L.P. 1 6.75% $5,476
    Bank of America 1 7.00% $2,788
    Renasant Bank 1 7.63% $4,154
    CARDINAL FINANCIAL 1 6.99% $4,750
    SOUTHPOINT FINANCIAL SERVICES, INC. 1 6.63% $13,276
    Fifth Third Bank 1 6.63% $6,143
    First Option Mortgage, LLC 1 6.99% $6,477
    AMERICAN FINANCIAL NETWORK, INC. 1 7.63% $9,828
    INTERSTATE UNLIMITED Federal Credit Union 1 8.25% $8,676

    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 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 $148,500 (2.2%) $169,061 (-6.2%) 0.00 119
    2018-02-01 $149,375 (-5.1%) $187,675 (0.8%) 0.00 116
    2018-03-01 $152,275 (2.1%) $189,466 (4.2%) 0.00 124
    2018-04-01 $154,475 (3.2%) $198,179 (9.3%) 0.00 134
    2018-05-01 $154,700 (-0.3%) $196,689 (4.7%) 0.00 135
    2018-06-01 $152,400 (1.6%) $194,933 (5.8%) 0.00 134
    2018-07-01 $142,450 (-10.8%) $190,778 (2.3%) 0.00 129
    2018-08-01 $139,900 (-8.2%) $189,272 (5.2%) 0.00 128
    2018-09-01 $135,000 (-11.2%) $181,402 (3.5%) 0.00 135
    2018-10-01 $136,500 (-8.9%) $178,756 (5.6%) 0.00 137
    2018-11-01 $141,100 (-4.1%) $188,129 (13.1%) 0.00 128
    2018-12-01 $149,000 (-0.5%) $188,430 (11.1%) 0.00 125
    2019-01-01 $149,700 (0.8%) $189,806 (12.3%) 0.00 107
    2019-02-01 $149,450 (0.1%) $192,863 (2.8%) 0.00 112
    2019-03-01 $148,543 (-2.5%) $195,325 (3.1%) 0.00 114
    2019-04-01 $149,043 (-3.5%) $199,107 (0.5%) 0.00 110
    2019-05-01 $149,450 (-3.4%) $204,342 (3.9%) 0.00 115
    2019-06-01 $148,000 (-2.9%) $200,579 (2.9%) 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 $227,188 (-12.1%) $343,917 (10.5%) 0.00 44
    2023-06-01 $257,425 (10.3%) $354,031 (21.7%) 0.00 38
    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 $279,999 (7.7%) $349,952 (-23.2%) 0.00 51
    2023-10-01 $277,950 (-0.7%) $360,271 (-28.4%) 0.00 59
    2023-11-01 $249,500 (-12.5%) $354,408 (-27.9%) 0.00 56
    2023-12-01 $272,000 (-6.2%) $379,116 (-26.6%) 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
    2024-04-01 $249,900 (0.4%) $349,119 (-19.1%) 0.00 38
    2024-05-01 $272,375 (19.9%) $360,530 (4.8%) 0.00 37
    2024-06-01 $289,900 (12.6%) $351,375 (-0.8%) 0.00 40
    2024-07-01 $292,175 (0.8%) $380,245 (12.5%) 0.00 51
    2024-08-01 $282,200 (0.8%) $340,715 (-0.3%) 0.00 56
    2024-09-01 $272,750 (-2.6%) $332,699 (-4.9%) 0.00 57
    2024-10-01 $306,000 (10.1%) $363,271 (0.8%) 0.00 57
    2024-11-01 $301,500 (20.8%) $384,680 (8.5%) 0.00 50
    2024-12-01 $288,000 (5.9%) $364,711 (-3.8%) 0.00 45
    2025-01-01 $269,000 (0.4%) $359,624 (-2.7%) 0.00 43
    2025-02-01 $283,750 (13.5%) $354,829 (3.6%) 0.00 49
    2025-03-01 $289,950 (14.9%) $348,840 (4.8%) 0.00 54
    Vidalia's median listing price for 2025-03-01 was $289,950, a difference of $37,550 (14.9%) versus the prior year and $6,200 versus the prior month.

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

    Vidalia's average listing price for 2025-03-01 was $348,840, a difference of $15,805 (4.8%) versus the prior year and $-5,989 versus the prior month.

    For the 2025-03-01 period, Vidalia had 54 MLS listings, a difference of 5 listings (10%) versus the prior month and 9 listings (20%) 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 1,995 sqft
    2018-02-01 0 days 2,159 sqft
    2018-03-01 0 days 2,151 sqft
    2018-04-01 0 days 2,170 sqft
    2018-05-01 0 days 2,163 sqft
    2018-06-01 0 days 2,173 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 2,152 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 2,150 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
    2024-04-01 0 days 1,926 sqft
    2024-05-01 0 days 2,112 sqft
    2024-06-01 0 days 2,240 sqft
    2024-07-01 0 days 2,226 sqft
    2024-08-01 0 days 2,081 sqft
    2024-09-01 0 days 2,196 sqft
    2024-10-01 0 days 2,290 sqft
    2024-11-01 0 days 2,418 sqft
    2024-12-01 0 days 2,362 sqft
    2025-01-01 0 days 2,272 sqft
    2025-02-01 0 days 2,196 sqft
    2025-03-01 0 days 2,188 sqft
    Vidalia's median listing age (time on market) for 2025-03-01 was 0 days.

    Vidalia's median square footage for active listings during the 2025-03-01 period was 2,188 sqft. One year prior, the average listing was 1,894 sqft.

    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.