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 7.08% for the week of 2026-11-05, compared to the national average of 7.18% for the same period.

    The average rate for the prior week (2026-10-29) was 7.24% and one month ago for the week of 2026-10-01, the average rate was 7.08%.

    Vidalia's average rate one year ago was 5.97%.

    For refis of the same type during the week of 2026-11-05, the average rate was 7.68%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2026-11-05 7.18%
    Vidalia 30 Year Fixed Rate 2026-11-05 7.08%
    Vidalia 30 Year Fixed Rate Refi 2026-11-05 7.68%
    Vidalia 15 Year Fixed Rate 2026-11-05 6.57%
    Vidalia 15 Year Fixed Rate Refi 2026-11-05 6.57%
    Vidalia 30 Year FHA 2026-11-05 7.13%
    Vidalia 30 Year FHA Refi 2026-11-05 7.03%
    Vidalia 30 Year USDA 2026-11-05 6.8%
    Vidalia 30 Year USDA Refi 2026-11-05 6.8%
    Vidalia 30 Year VA 2026-11-05 6.66%
    Vidalia 30 Year VA Refi 2026-11-05 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 2025 Avg. 30yFix Rate 2025 Avg. Closing Costs
    QUICKEN LOANS, LLC 21 6.65% $7,014
    TOWNE MORTGAGE COMPANY 5 6.70% $6,187
    Ameris Bank 5 6.85% $5,037
    PREMIER MORTGAGE RESOURCES, L.L.C. 3 7.29% $8,277
    Colony Bank 3 6.46% $5,126
    21ST MORTGAGE CORPORATION 2 9.14% $6,349
    GENEVA FINANCIAL, LLC 2 6.69% $8,805
    ROBINS FINANCIAL 2 6.44% $3,147
    ROYAL UNITED MORTGAGE LLC 2 6.75% $5,581
    Truist 2 6.74% $4,940
    UNION HOME MORTGAGE CORP. 2 6.38% $11,229
    Wells Fargo Bank 2 6.94% $3,978
    LOANDEPOT.COM, LLC 1 5.99% $12,385
    Mortgage Research Center, LLC 1 6.88% $3,489
    MUTUAL OF OMAHA MORTGAGE, INC. 1 6.88% $5,888
    NAVY FEDERAL CREDIT UNION 1 6.13% $4,056
    PEACH STATE FEDERAL CREDIT UNION 1 5.75% $7,828
    Cornerstone First Mortgage, Inc 1 6.88% $6,320
    PUBLIX EMPLOYEES 1 6.48% $4,236
    BROKER SOLUTIONS, INC. 1 7.13% $5,604
    AMERISAVE MORTGAGE CORPORATION 1 6.13% $16,785
    UNITED WHOLESALE MORTGAGE, LLC 1 7.00% $11,646
    Sierra Pacific Mortgage Company, Inc. 1 6.88% $10,001
    Synovus Bank 1 7.00% $4,135
    The Federal Savings Bank 1 6.88% $4,897
    CREDIT UNION FINANCIAL SERVICES, LLC 1 6.38% $13,029
    DELTA COMMUNITY CREDIT UNION 1 6.75% $6,362
    FirstBank 1 10.04% $6,280
    FREEDOM MORTGAGE CORPORATION 1 7.88% $6,447
    THE MORTGAGE FIRM, INC. 1 6.50% $6,705
    LAKEVIEW LOAN SERVICING, LLC 1 6.99% $1,472

    Vidalia Average Closing Costs & Other Stats

    Vidalia, GA's 31 lenders originated 316 loans during 2025. The total origination value was $59,090,000, with an average loan value of $186,994.

    Vidalia's average closing costs are $5,968.

    The top Vidalia lender as defined by loan originations is QUICKEN LOANS, LLC, with 21 loans originated. Their average total fees are $7,014, which is $828 higher than the next largest lender, TOWNE MORTGAGE COMPANY.

    The lowest fee Vidalia lenders (with over 10 loans originated) are QUICKEN LOANS, LLC ($7,014), .

    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 2024 Loan Value 2025 Loan Value % Change 2025 Market Share
    QUICKEN LOANS, LLC $7,400,000 $9,425,000 27.4% 16.0%
    TOWNE MORTGAGE COMPANY $1,125,000 $3,625,000 222.2% 6.1%
    PREMIER MORTGAGE RESOURCES, L.L.C. $735,000 $3,070,000 317.7% 5.2%
    Mortgage Research Center, LLC $3,445,000 $2,975,000 -13.6% 5.0%
    Oconee State Bank $155,000 $2,700,000 1,641.9% 4.6%
    21ST MORTGAGE CORPORATION $2,470,000 $1,900,000 -23.1% 3.2%
    UNITED WHOLESALE MORTGAGE, LLC $2,905,000 $1,835,000 -36.8% 3.1%
    PLANET HOME LENDING, LLC $1,785,000 $1,740,000 -2.5% 2.9%
    Truist $495,000 $1,345,000 171.7% 2.3%
    Ameris Bank $740,000 $1,330,000 79.7% 2.3%
    LOANDEPOT.COM, LLC $865,000 $1,325,000 53.2% 2.2%
    FREEDOM MORTGAGE CORPORATION $1,330,000 $1,150,000 -13.5% 1.9%
    Colony Bank $645,000 $1,110,000 72.1% 1.9%
    South Georgia Bank $545,000 $1,090,000 100.0% 1.8%
    The Federal Savings Bank $1,020,000 n/a 1.7%
    NAVY FEDERAL CREDIT UNION $840,000 $950,000 13.1% 1.6%
    Sierra Pacific Mortgage Company, Inc. $895,000 n/a 1.5%
    UNION HOME MORTGAGE CORP. $125,000 $870,000 596.0% 1.5%
    GENEVA FINANCIAL, LLC $845,000 n/a 1.4%
    Equity Prime Mortgage LLC $835,000 $655,000 -21.6% 1.1%
    Renasant Bank $850,000 $625,000 -26.5% 1.1%
    GUARANTEED RATE, INC. $555,000 n/a 0.9%
    AMERISAVE MORTGAGE CORPORATION $440,000 $550,000 25.0% 0.9%
    VANDERBILT MORTGAGE AND FINANCE, INC. $475,000 $530,000 11.6% 0.9%
    MORTGAGE SOLUTIONS OF COLORADO, LLC $525,000 n/a 0.9%
    CROSSCOUNTRY MORTGAGE, LLC $685,000 $490,000 -28.5% 0.8%
    CREDIT UNION FINANCIAL SERVICES, LLC $485,000 n/a 0.8%
    Mr. Cooper ( Nationstar Mortgage ) $635,000 $475,000 -25.2% 0.8%
    THE MORTGAGE FIRM, INC. $2,505,000 $470,000 -81.2% 0.8%
    Bank of Dudley $450,000 n/a 0.8%
    TRIAD FINANCIAL SERVICES, INC. $450,000 n/a 0.8%
    LAKEVIEW LOAN SERVICING, LLC $430,000 n/a 0.7%
    Wells Fargo Bank $630,000 $420,000 -33.3% 0.7%
    NEWREZ LLC $410,000 n/a 0.7%
    Glennville Bank $275,000 $405,000 47.3% 0.7%
    BROKER SOLUTIONS, INC. $390,000 n/a 0.7%
    NATIONWIDE MORTGAGE BANKERS, INC. $385,000 n/a 0.7%
    Loan Simple, Inc. $600,000 $365,000 -39.2% 0.6%
    CSL Financial, LLC $145,000 $335,000 131.0% 0.6%
    Cornerstone First Mortgage, Inc $325,000 n/a 0.6%
    ROBINS FINANCIAL $320,000 $320,000 0.0% 0.5%
    Presidential Bank, FSB $390,000 $315,000 -19.2% 0.5%
    CARDINAL FINANCIAL $460,000 $310,000 -32.6% 0.5%
    EVERETT FINANCIAL, INC. $295,000 $310,000 5.1% 0.5%
    Texana Bank $305,000 n/a 0.5%
    Assurance Financial Group, L.L.C. $295,000 n/a 0.5%
    BANKSOUTH MORTGAGE COMPANY, LLC $295,000 n/a 0.5%
    DELTA COMMUNITY CREDIT UNION $285,000 n/a 0.5%
    FIRST COLONY MORTGAGE CORPORATION $285,000 n/a 0.5%
    MUTUAL OF OMAHA MORTGAGE, INC. $145,000 $285,000 96.6% 0.5%
    SOUTHWEST STAGE FUNDING, LLC $145,000 $280,000 93.1% 0.5%
    PEACH STATE FEDERAL CREDIT UNION $275,000 n/a 0.5%
    PRIMELENDING, A PLAINSCAPITAL COMPANY $275,000 n/a 0.5%
    AMWEST FUNDING CORP. $395,000 $255,000 -35.4% 0.4%
    GUILD MORTGAGE COMPANY $345,000 $255,000 -26.1% 0.4%
    CALCON MUTUAL MORTGAGE LLC $225,000 $235,000 4.4% 0.4%
    SOUTHEAST MORTGAGE OF GEORGIA, INC. $235,000 n/a 0.4%
    CLEARPATH LENDING $225,000 n/a 0.4%
    PRIMARY RESIDENTIAL MORTGAGE, INC. $220,000 n/a 0.4%
    First Federal Bank, A FSB $215,000 n/a 0.4%
    PLANTERS FIRST BANK $215,000 n/a 0.4%
    RELIANCE FIRST CAPITAL, LLC $205,000 n/a 0.3%
    INTERSTATE UNLIMITED Federal Credit Union $375,000 $190,000 -49.3% 0.3%
    Synovus Bank $105,000 $185,000 76.2% 0.3%
    COREVEST AMERICAN FINANCE LENDER LLC $175,000 n/a 0.3%
    LENOX FINANCIAL MORTGAGE CORPORATION $175,000 n/a 0.3%
    FIRST NATIONAL BANK OF COFFEE COUNTY $170,000 n/a 0.3%
    AMERICAN FINANCIAL RESOURCES, INC. $165,000 n/a 0.3%
    PUBLIX EMPLOYEES $165,000 n/a 0.3%
    ROYAL UNITED MORTGAGE LLC $290,000 $160,000 -44.8% 0.3%
    SWBC MORTGAGE CORPORATION $155,000 n/a 0.3%
    L & N Federal Credit Union $125,000 n/a 0.2%
    PENNYMAC LOAN SERVICES, LLC $650,000 $125,000 -80.8% 0.2%
    FirstBank $115,000 n/a 0.2%
    AgSouth Farm Credit, ACA $105,000 n/a 0.2%
    RESIDENTIAL BANCORP $105,000 n/a 0.2%
    ATLANTA POSTAL $100,000 n/a 0.2%
    SPRING EQ, LLC $85,000 n/a 0.1%
    FINANCE OF AMERICA REVERSE LLC $75,000 n/a 0.1%
    LOANPAL, LLC $75,000 n/a 0.1%
    Morris Bank $460,000 $75,000 -83.7% 0.1%
    APCO EMPLOYEES $210,000 $55,000 -73.8% 0.1%
    ALTRA $35,000 n/a 0.1%
    Coastal Community Bank $25,000 n/a 0.0%
    GEORGIA UNITED $470,000 $25,000 -94.7% 0.0%
    BankSouth $5,000 n/a 0.0%

    Vidalia's top lender by overall market share is QUICKEN LOANS, LLC, with 16.0% market share. In second place, with 6.1%, is TOWNE MORTGAGE COMPANY, having originated $3,625,000 in loans. In third place, with 5.2%, is PREMIER MORTGAGE RESOURCES, L.L.C., having originated $3,070,000 in loans. In fourth place, with 5.0%, is Mortgage Research Center, LLC, having originated $2,975,000 in loans. In fifth place, with 4.6%, is Oconee State Bank, having originated $2,700,000 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 $271,000 (-3.2%) $335,634 (-4.1%) 0.00 56
    2024-10-01 $304,750 (9.6%) $372,043 (3.3%) 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
    2025-04-01 $288,725 (15.5%) $335,698 (-3.8%) 0.00 49
    2025-05-01 $292,500 (7.4%) $347,012 (-3.8%) 0.00 55
    2025-06-01 $287,475 (-0.8%) $342,073 (-2.7%) 0.00 61
    2025-07-01 $284,975 (-2.5%) $338,025 (-11.1%) 0.00 63
    2025-08-01 $289,900 (2.7%) $358,949 (5.4%) 0.00 77
    2025-09-01 $299,750 (10.6%) $370,813 (10.5%) 0.00 82
    2025-10-01 $288,750 (-5.3%) $377,412 (1.4%) 0.00 81
    2025-11-01 $289,750 (-3.9%) $358,278 (-6.9%) 0.00 86
    2025-12-01 $269,500 (-6.4%) $338,789 (-7.1%) 0.00 88
    2026-01-01 $279,875 (4.0%) $337,601 (-6.1%) 0.00 85
    2026-02-01 $283,725 (0.0%) $349,293 (-1.6%) 0.00 95
    2026-03-01 $274,750 (-5.2%) $347,034 (-0.5%) 0.00 98
    2026-04-01 $273,750 (-5.2%) $348,330 (3.8%) 0.00 102
    2026-05-01 $287,400 (-1.7%) $387,903 (11.8%) 0.00 103
    2026-06-01 $284,700 (-1.0%) $391,634 (14.5%) 0.00 96
    2026-07-01 $275,850 (-3.2%) $384,250 (13.7%) 0.00 100
    2026-08-01 $264,900 (-8.6%) $346,773 (-3.4%) 0.00 111
    2026-09-01 $258,025 (-13.9%) $340,681 (-8.1%) 0.00 111
    2026-10-01 $259,000 (-10.3%) $342,931 (-9.1%) 0.00 111
    Vidalia's median listing price for 2026-10-01 was $259,000, a difference of $-29,750 (-10.3%) versus the prior year and $975 versus the prior month.

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

    Vidalia's average listing price for 2026-10-01 was $342,931, a difference of $-34,481 (-9.1%) versus the prior year and $2,250 versus the prior month.

    For the 2026-10-01 period, Vidalia had 111 MLS listings, a difference of 0 listings (0%) versus the prior month and 30 listings (37%) 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 2,029 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 2,418 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 2,480 sqft
    2022-11-01 0 days 2,409 sqft
    2022-12-01 0 days 2,480 sqft
    2023-01-01 0 days 2,431 sqft
    2023-02-01 0 days 2,476 sqft
    2023-03-01 0 days 2,533 sqft
    2023-04-01 0 days 2,153 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 2,223 sqft
    2024-07-01 0 days 2,185 sqft
    2024-08-01 0 days 2,081 sqft
    2024-09-01 0 days 2,192 sqft
    2024-10-01 0 days 2,312 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
    2025-04-01 0 days 2,062 sqft
    2025-05-01 0 days 2,018 sqft
    2025-06-01 0 days 2,066 sqft
    2025-07-01 0 days 2,057 sqft
    2025-08-01 0 days 2,139 sqft
    2025-09-01 0 days 2,113 sqft
    2025-10-01 0 days 2,021 sqft
    2025-11-01 0 days 2,114 sqft
    2025-12-01 0 days 2,139 sqft
    2026-01-01 0 days 2,145 sqft
    2026-02-01 0 days 2,165 sqft
    2026-03-01 0 days 2,232 sqft
    2026-04-01 0 days 2,174 sqft
    2026-05-01 0 days 2,227 sqft
    2026-06-01 0 days 2,078 sqft
    2026-07-01 0 days 1,992 sqft
    2026-08-01 0 days 1,926 sqft
    2026-09-01 0 days 1,899 sqft
    2026-10-01 0 days 1,914 sqft
    Vidalia's median listing age (time on market) for 2026-10-01 was 0 days.

    Vidalia's median square footage for active listings during the 2026-10-01 period was 1,914 sqft. One year prior, the average listing was 2,021 sqft.

    Vidalia, GA Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 176 $36,320,000 $206,364
    Cash Out Refi 60 $10,560,000 $176,000
    Refi 55 $10,655,000 $193,727
    Other 13 $1,015,000 $78,077
    Home Improvement 12 $540,000 $45,000

    Vidalia's most frequently cited loan purpose was Home Purchase, with 176 originations. The 2nd most popular reason was Cash Out Refi, with 60 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    6-7% 136 $30,930,000 $227,426
    Over 8% 64 $5,350,000 $83,594
    5-6% 53 $11,685,000 $220,472
    7-8% 38 $5,430,000 $142,895
    <2.5% 4 $40,000 $10,000
    4-5% 3 $545,000 $181,667

    During 2025, Vidalia's most frequently originated rate bucket was 6-7%, with 136 originations.

    Loan Sizing (Vidalia, GA MSA)

    Loan Size Originations Total Value Average Loan
    $100k-200k 119 $18,265,000 $153,487
    $200k-400k 102 $27,300,000 $267,647
    $100,000 or less 81 $4,415,000 $54,506
    $400k-600k 12 $5,670,000 $472,500
    $600k-1000k 1 $885,000 $885,000
    $Over $1MM 1 $2,555,000 $2,555,000

    Vidalia's loan sizing saw the bucket of loans from $100k-200k with 119 originations, totaling $18,265,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 165 $35,835,000 $217,182
    60-80% 45 $8,985,000 $199,667
    Under 20% 27 $925,000 $34,259
    20-40% 22 $1,460,000 $66,364
    40-60% 22 $3,450,000 $156,818
    Over 100% 3 $565,000 $188,333

    Vidalia's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 165 originations, totaling $35,835,000 in origination value.