Waycross 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 Waycross averaged 6.42% for the week of 2024-12-12, compared to the national average of 6.6% for the same period.

    The average rate for the prior week (2024-12-05) was 6.91% and one month ago for the week of 2024-11-07, the average rate was 6.81%.

    Waycross's average rate one year ago was 6.95%.

    For refis of the same type during the week of 2024-12-12, the average rate was 6.8%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2024-12-12 6.6%
    Waycross 30 Year Fixed Rate 2024-12-12 6.42%
    Waycross 30 Year Fixed Rate Refi 2024-12-12 6.8%
    Waycross 15 Year Fixed Rate 2024-12-12 6.04%
    Waycross 15 Year Fixed Rate Refi 2024-12-12 6.34%
    Waycross 30 Year FHA 2024-12-12 5.98%
    Waycross 30 Year FHA Refi 2024-12-12 6.28%
    Waycross 30 Year USDA 2024-12-12 6.3%
    Waycross 30 Year USDA Refi 2024-12-12 6.1%
    Waycross 30 Year VA 2024-12-12 6.21%
    Waycross 30 Year VA Refi 2024-12-12 6.18%
    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Waycross, GA.

    Waycross 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 Waycross, 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
    UNITED WHOLESALE MORTGAGE, LLC 46 6.62% $5,423
    QUICKEN LOANS, LLC 34 6.71% $6,042
    PENNYMAC LOAN SERVICES, LLC 6 7.16% $6,400
    PrimeSouth Bank 6 6.98% $8,996
    Truist 5 7.01% $3,608
    Ameris Bank 5 6.92% $4,833
    PNC Bank 4 6.75% $3,317
    SOUTHEASTERN Credit Union 4 6.91% $614
    Paramount Residential Mortgage Group, Inc. 3 6.54% $7,625
    GUARANTEED RATE, INC. 3 6.47% $3,936
    VANDERBILT MORTGAGE AND FINANCE, INC. 3 8.25% $7,302
    ATLANTIC BAY MORTGAGE GROUP, L.L.C. 3 6.79% $8,122
    AgFirst Farm Credit Bank 3 6.79% $5,422
    Capital City Home Loans, LLC 3 6.54% $4,737
    DIAMOND RESIDENTIAL MORTGAGE CORPORATION 3 6.54% $5,534
    Mortgage Research Center, LLC 3 7.13% $3,218
    21ST MORTGAGE CORPORATION 2 9.05% $5,916
    Bank of America 2 6.94% $5,385
    JPMorgan Chase Bank 2 7.37% $2,310
    LOANDEPOT.COM, LLC 2 6.69% $4,337
    NAVY FEDERAL CREDIT UNION 2 8.44% $3,058
    KELLER MORTGAGE, LLC 1 7.13% $5,630
    USAA Federal Savings Bank 1 5.75% $8,617
    MIDLAND MORTGAGE CORPORATION 1 5.50% $4,580
    GEORGIA'S OWN 1 5.88% $6,845
    AMERICAN FINANCIAL RESOURCES, INC. 1 6.25% $3,733
    Neighborhood Loans, Inc. 1 6.88% $6,876
    FIRST FLORIDA Credit Union 1 8.00% $2,823
    Fidelity Bank 1 6.13% $3,066
    PLAZA HOME MORTGAGE, INC. 1 7.00% $4,664
    CROSSCOUNTRY MORTGAGE, LLC 1 5.63% $12,456
    CRESCENT MORTGAGE COMPANY 1 6.50% $4,802
    CARDINAL FINANCIAL 1 6.63% $8,391
    ROYAL UNITED MORTGAGE LLC 1 7.00% $3,738
    SIRVA MORTGAGE, INC. 1 6.38% $0
    BROKER SOLUTIONS, INC. 1 6.99% $7,380
    South State Bank 1 6.75% $3,629
    STATE EMPLOYEES' 1 5.65% $4,747
    STOCKTON MORTGAGE CORPORATION 1 5.88% $4,783
    TOWNE MORTGAGE COMPANY 1 6.63% $5,487
    Bank of England 1 6.63% $9,107
    HOMESTAR FINANCIAL CORPORATION 1 6.75% $10,387
    INTERSTATE UNLIMITED Federal Credit Union 1 9.00% $1,266
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 7.25% $7,683

    Waycross Average Closing Costs & Other Stats

    Waycross, GA's 44 lenders originated 782 loans during 2023. The total origination value was $129,430,000, with an average loan value of $165,512.

    Waycross's average closing costs are $5,153.

    The top Waycross lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 46 loans originated. Their average total fees are $5,423, which is $619 lower than the next largest lender, QUICKEN LOANS, LLC.

    The lowest fee Waycross lenders (with over 10 loans originated) are UNITED WHOLESALE MORTGAGE, LLC ($5,423), QUICKEN LOANS, LLC ($6,042), .

    The lowest rate Waycross lenders (with over 10 loans originated) are UNITED WHOLESALE MORTGAGE, LLC (6.62%), QUICKEN LOANS, LLC (6.71%), .

    Waycross, 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
    UNITED WHOLESALE MORTGAGE, LLC $29,010,000 $20,265,000 -30.1% 15.7%
    QUICKEN LOANS, LLC $18,825,000 $13,550,000 -28.0% 10.5%
    PrimeSouth Bank $18,325,000 $12,760,000 -30.4% 9.9%
    Renasant Bank $2,135,000 $11,640,000 445.2% 9.0%
    Mortgage Research Center, LLC $5,120,000 $6,430,000 25.6% 5.0%
    GUARANTEED RATE, INC. $7,940,000 $3,540,000 -55.4% 2.7%
    PENNYMAC LOAN SERVICES, LLC $2,340,000 $3,270,000 39.7% 2.5%
    Ameris Bank $2,585,000 $2,960,000 14.5% 2.3%
    Truist $2,875,000 $2,480,000 -13.7% 1.9%
    SOUTHEASTERN Credit Union $4,275,000 $2,445,000 -42.8% 1.9%
    21ST MORTGAGE CORPORATION $2,610,000 $2,340,000 -10.3% 1.8%
    NAVY FEDERAL CREDIT UNION $1,820,000 $1,760,000 -3.3% 1.4%
    DIAMOND RESIDENTIAL MORTGAGE CORPORATION $1,695,000 $1,725,000 1.8% 1.3%
    ARK-LA-TEX FINANCIAL SERVICES, LLC. $1,695,000 n/a 1.3%
    LOANDEPOT.COM, LLC $935,000 $1,410,000 50.8% 1.1%
    AgFirst Farm Credit Bank $1,380,000 $1,400,000 1.4% 1.1%
    CARDINAL FINANCIAL $1,085,000 $1,380,000 27.2% 1.1%
    VANDERBILT MORTGAGE AND FINANCE, INC. $505,000 $1,370,000 171.3% 1.1%
    Paramount Residential Mortgage Group, Inc. $430,000 $1,190,000 176.7% 0.9%
    BROKER SOLUTIONS, INC. $280,000 $1,105,000 294.6% 0.9%
    ATLANTIC BAY MORTGAGE GROUP, L.L.C. $590,000 $1,045,000 77.1% 0.8%
    NEW DAY FINANCIAL, LLC $795,000 $1,020,000 28.3% 0.8%
    MORTGAGE SOLUTIONS OF COLORADO, LLC $550,000 $1,010,000 83.6% 0.8%
    CMG MORTGAGE, INC. $1,045,000 $975,000 -6.7% 0.8%
    PNC Bank $845,000 $865,000 2.4% 0.7%
    FREEDOM MORTGAGE CORPORATION $1,610,000 $835,000 -48.1% 0.6%
    Plains Commerce Bank $825,000 n/a 0.6%
    TOWNE MORTGAGE COMPANY $810,000 $740,000 -8.6% 0.6%
    GEORGIA'S OWN $340,000 $725,000 113.2% 0.6%
    Equity Prime Mortgage LLC $645,000 $720,000 11.6% 0.6%
    AMERISAVE MORTGAGE CORPORATION $1,045,000 $665,000 -36.4% 0.5%
    Carrington Mortgage Services, LLC $285,000 $665,000 133.3% 0.5%
    Prosperity Home Mortgage, LLC $660,000 n/a 0.5%
    Capital City Home Loans, LLC $105,000 $655,000 523.8% 0.5%
    USAA Federal Savings Bank $220,000 $645,000 193.2% 0.5%
    NEWREZ LLC $670,000 $585,000 -12.7% 0.5%
    Bank of England $260,000 $570,000 119.2% 0.4%
    HOMESTAR FINANCIAL CORPORATION $1,900,000 $550,000 -71.1% 0.4%
    PLAZA HOME MORTGAGE, INC. $495,000 n/a 0.4%
    MUTUAL OF OMAHA MORTGAGE, INC. $220,000 $490,000 122.7% 0.4%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $875,000 $485,000 -44.6% 0.4%
    Mid-Continent Funding, Inc. $575,000 $480,000 -16.5% 0.4%
    SIRVA MORTGAGE, INC. $915,000 $480,000 -47.5% 0.4%
    Barrington Bank & Trust Company, N.A. $490,000 $475,000 -3.1% 0.4%
    CROSSCOUNTRY MORTGAGE, LLC $95,000 $470,000 394.7% 0.4%
    INTERCOASTAL MORTGAGE COMPANY $455,000 n/a 0.4%
    United Community Bank $1,370,000 $445,000 -67.5% 0.3%
    CRESCENT MORTGAGE COMPANY $1,570,000 $440,000 -72.0% 0.3%
    Magnolia Bank $370,000 $440,000 18.9% 0.3%
    The Federal Savings Bank $430,000 n/a 0.3%
    Loan Simple, Inc. $415,000 n/a 0.3%
    MILEND, INC. $410,000 n/a 0.3%
    HOMEOWNERS FINANCIAL GROUP USA, LLC $405,000 n/a 0.3%
    JPMorgan Chase Bank $345,000 $390,000 13.0% 0.3%
    Platinum Home Mortgage Corporation $380,000 n/a 0.3%
    Mr. Cooper ( Nationstar Mortgage ) $725,000 $370,000 -49.0% 0.3%
    FIRST COMMUNITY MORTGAGE, INC. $365,000 n/a 0.3%
    CIS Financial Services, Inc. $270,000 $355,000 31.5% 0.3%
    TOP FLITE FINANCIAL, INC. $125,000 $355,000 184.0% 0.3%
    Summit Mortgage Corporation $315,000 n/a 0.2%
    VILLAGE CAPITAL MORTGAGE $250,000 $285,000 14.0% 0.2%
    HOMEBRIDGE FINANCIAL SERVICES, INC. $2,595,000 $280,000 -89.2% 0.2%
    CLEARPATH LENDING $215,000 $265,000 23.3% 0.2%
    HOMESIDE FINANCIAL, LLC $265,000 n/a 0.2%
    INTERSTATE UNLIMITED Federal Credit Union $700,000 $265,000 -62.1% 0.2%
    STATE EMPLOYEES' $265,000 n/a 0.2%
    FirstBank $310,000 $255,000 -17.7% 0.2%
    1ST SIGNATURE LENDING, LLC $65,000 $245,000 276.9% 0.2%
    AMERICAN FINANCIAL NETWORK, INC. $240,000 n/a 0.2%
    Bank of America $550,000 $240,000 -56.4% 0.2%
    South State Bank $525,000 $235,000 -55.2% 0.2%
    Keystone Funding, Inc. $225,000 n/a 0.2%
    LENDINGHOME FUNDING CORPORATION $210,000 n/a 0.2%
    Operating Engineers Local Union #3 $205,000 n/a 0.2%
    SUMMIT FUNDING, INC. $205,000 n/a 0.2%
    UNION HOME MORTGAGE CORP. $195,000 n/a 0.2%
    GUILD MORTGAGE COMPANY $265,000 $185,000 -30.2% 0.1%
    OAKTREE FUNDING CORP. $185,000 n/a 0.1%
    First Federal Bank $175,000 n/a 0.1%
    MOVEMENT MORTGAGE, LLC $125,000 $175,000 40.0% 0.1%
    Nations Lending Corporation $145,000 $175,000 20.7% 0.1%
    NATIONS RELIABLE LENDING, LLC $275,000 $175,000 -36.4% 0.1%
    THRIVE MORTGAGE, LLC $195,000 $170,000 -12.8% 0.1%
    Synovus Bank $55,000 $165,000 200.0% 0.1%
    Neighborhood Loans, Inc. $155,000 n/a 0.1%
    ZILLOW HOME LOANS, LLC $975,000 $155,000 -84.1% 0.1%
    SOUTHWEST STAGE FUNDING, LLC $465,000 $145,000 -68.8% 0.1%
    STOCKTON MORTGAGE CORPORATION $95,000 $145,000 52.6% 0.1%
    Discover Bank $140,000 n/a 0.1%
    Notre Dame Federal Credit Union Corporation $290,000 $130,000 -55.2% 0.1%
    AMCAP MORTGAGE, LTD. $125,000 n/a 0.1%
    CALIBER HOME LOANS, INC. $360,000 $125,000 -65.3% 0.1%
    CREDIT UNION MORTGAGE ASSOCIATION, INC. $125,000 n/a 0.1%
    FIRST NATIONAL BANK OF COFFEE COUNTY $120,000 n/a 0.1%
    AMERICAN FINANCIAL RESOURCES, INC. $480,000 $105,000 -78.1% 0.1%
    Fidelity Bank $105,000 n/a 0.1%
    FINANCE OF AMERICA REVERSE LLC $35,000 $105,000 200.0% 0.1%
    KELLER MORTGAGE, LLC $105,000 n/a 0.1%
    LIMA ONE CAPITAL, LLC $105,000 n/a 0.1%
    Southeastern Bank $1,105,000 $105,000 -90.5% 0.1%
    GUARANTY HOME MORTGAGE CORPORATION $525,000 $95,000 -81.9% 0.1%
    MIDLAND MORTGAGE CORPORATION $290,000 $95,000 -67.2% 0.1%
    South Georgia Bank $350,000 $95,000 -72.9% 0.1%
    Figure Lending LLC $40,000 $90,000 125.0% 0.1%
    ROYAL UNITED MORTGAGE LLC $105,000 $90,000 -14.3% 0.1%
    Blue Ridge Bank $1,285,000 $85,000 -93.4% 0.1%
    MEMBER FIRST MORTGAGE, LLC $85,000 n/a 0.1%
    FIRST BANCORP $75,000 n/a 0.1%
    The First, A National Banking Association $75,000 n/a 0.1%
    COUNTRYPLACE MORTGAGE, LTD. $65,000 n/a 0.1%
    FIRST FLORIDA Credit Union $65,000 n/a 0.1%
    Third Federal Savings and Loan Association of Cleveland $75,000 $65,000 -13.3% 0.1%
    EASTMAN $55,000 n/a 0.0%
    Fifth Third Bank $55,000 n/a 0.0%
    First-Citizens Bank & Trust Company $45,000 $45,000 0.0% 0.0%
    Northwest Federal Credit Union $45,000 n/a 0.0%
    SPRING EQ, LLC $65,000 $45,000 -30.8% 0.0%
    Farmers & Merchants Bank $380,000 $40,000 -89.5% 0.0%
    Colony Bank $500,000 $35,000 -93.0% 0.0%
    Citizens Bank $540,000 $15,000 -97.2% 0.0%
    Home Loan Investment Bank, F.S.B. $15,000 n/a 0.0%

    Waycross's top lender by overall market share is UNITED WHOLESALE MORTGAGE, LLC, with 15.7% market share. In second place, with 10.5%, is QUICKEN LOANS, LLC, having originated $13,550,000 in loans. In third place, with 9.9%, is PrimeSouth Bank, having originated $12,760,000 in loans. In fourth place, with 9.0%, is Renasant Bank, having originated $11,640,000 in loans. In fifth place, with 5.0%, is Mortgage Research Center, LLC, having originated $6,430,000 in loans.

    Waycross Housing Market Trends (Median, Average Prices & Listing Count)

    Realtor.com - Waycross (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 $125,950 (5.5%) $159,004 (9.8%) 0.00 212
    2018-02-01 $128,425 (9.2%) $156,007 (5.0%) 0.00 209
    2018-03-01 $129,900 (11.3%) $152,582 (2.6%) 0.00 208
    2018-04-01 $129,675 (3.8%) $157,560 (3.4%) 0.00 198
    2018-05-01 $129,450 (4.4%) $156,351 (3.4%) 0.00 198
    2018-06-01 $129,900 (4.0%) $161,076 (4.3%) 0.00 190
    2018-07-01 $129,950 (0.5%) $165,119 (5.6%) 0.00 190
    2018-08-01 $131,975 (-3.7%) $167,443 (-0.4%) 0.00 184
    2018-09-01 $134,950 (-1.3%) $184,686 (10.1%) 0.00 176
    2018-10-01 $144,950 (7.4%) $198,962 (18.5%) 0.00 159
    2018-11-01 $146,163 (8.3%) $206,275 (24.2%) 0.00 152
    2018-12-01 $135,000 (0.0%) $200,155 (22.2%) 0.00 157
    2019-01-01 $135,975 (8.0%) $193,794 (21.9%) 0.00 156
    2019-02-01 $145,000 (12.9%) $194,203 (24.5%) 0.00 158
    2019-03-01 $146,371 (12.7%) $196,312 (28.7%) 0.00 161
    2019-04-01 $153,346 (18.3%) $203,339 (29.1%) 0.00 161
    2019-05-01 $152,175 (17.6%) $206,485 (32.1%) 0.00 150
    2019-06-01 $149,900 (15.4%) $204,668 (27.1%) 0.00 147
    2019-07-01 $148,850 (14.5%) $195,844 (18.6%) 0.00 164
    2019-08-01 $150,418 (14.0%) $191,559 (14.4%) 0.00 189
    2019-09-01 $152,995 (13.4%) $192,468 (4.2%) 0.00 191
    2019-10-01 $154,714 (6.7%) $193,074 (-3.0%) 0.00 189
    2019-11-01 $149,900 (2.6%) $189,072 (-8.3%) 0.00 191
    2019-12-01 $149,450 (10.7%) $189,089 (-5.5%) 0.00 188
    2020-01-01 $150,450 (10.7%) $189,979 (-2.0%) 0.00 170
    2020-02-01 $164,900 (13.7%) $198,710 (2.3%) 0.00 162
    2020-03-01 $164,725 (12.5%) $199,541 (1.6%) 0.00 155
    2020-04-01 $167,975 (9.5%) $204,687 (0.7%) 0.00 156
    2020-05-01 $157,450 (3.5%) $202,245 (-2.1%) 0.00 146
    2020-06-01 $151,925 (1.4%) $212,996 (4.1%) 0.00 131
    2020-07-01 $149,900 (0.7%) $213,371 (9.0%) 0.00 126
    2020-08-01 $139,450 (-7.3%) $214,593 (12.0%) 0.00 119
    2020-09-01 $155,000 (1.3%) $212,909 (10.6%) 0.00 118
    2020-10-01 $159,450 (3.1%) $213,466 (10.6%) 0.00 109
    2020-11-01 $157,000 (4.7%) $221,033 (16.9%) 0.00 95
    2020-12-01 $169,900 (13.7%) $236,613 (25.1%) 0.00 81
    2021-01-01 $174,950 (16.3%) $239,343 (26.0%) 0.00 79
    2021-02-01 $169,900 (3.0%) $238,004 (19.8%) 0.00 70
    2021-03-01 $159,450 (-3.2%) $238,386 (19.5%) 0.00 76
    2021-04-01 $169,900 (1.2%) $260,138 (27.1%) 0.00 71
    2021-05-01 $169,900 (7.9%) $259,130 (28.1%) 0.00 72
    2021-06-01 $159,900 (5.3%) $232,533 (9.2%) 0.00 76
    2021-07-01 $159,900 (6.7%) $228,821 (7.2%) 0.00 86
    2021-08-01 $163,000 (16.9%) $244,962 (14.2%) 0.00 99
    2021-09-01 $168,000 (8.4%) $231,815 (8.9%) 0.00 110
    2021-10-01 $185,900 (16.6%) $227,465 (6.6%) 0.00 106
    2021-11-01 $189,000 (20.4%) $253,099 (14.5%) 0.00 101
    2021-12-01 $194,050 (14.2%) $260,852 (10.2%) 0.00 86
    2022-01-01 $202,400 (15.7%) $267,758 (11.9%) 0.00 77
    2022-02-01 $192,400 (13.2%) $254,980 (7.1%) 0.00 81
    2022-03-01 $202,450 (27.0%) $270,594 (13.5%) 0.00 79
    2022-04-01 $198,000 (16.5%) $280,347 (7.8%) 0.00 74
    2022-05-01 $194,275 (14.4%) $269,650 (4.1%) 0.00 84
    2022-06-01 $199,900 (25.0%) $262,393 (12.8%) 0.00 79
    2022-07-01 $194,000 (21.3%) $244,361 (6.8%) 0.00 84
    2022-08-01 $212,475 (30.4%) $249,743 (2.0%) 0.00 96
    2022-09-01 $229,000 (36.3%) $259,111 (11.8%) 0.00 95
    2022-10-01 $230,000 (23.7%) $260,644 (14.6%) 0.00 100
    2022-11-01 $209,500 (10.9%) $257,845 (1.9%) 0.00 108
    2022-12-01 $205,000 (5.6%) $256,534 (-1.7%) 0.00 106
    2023-01-01 $199,000 (-1.7%) $241,597 (-9.8%) 0.00 104
    2023-02-01 $189,900 (-1.3%) $233,875 (-8.3%) 0.00 93
    2023-03-01 $209,225 (3.4%) $246,648 (-8.9%) 0.00 93
    2023-04-01 $229,900 (16.1%) $293,369 (4.7%) 0.00 92
    2023-05-01 $239,950 (23.5%) $312,075 (15.7%) 0.00 88
    2023-06-01 $229,450 (14.8%) $306,461 (16.8%) 0.00 86
    2023-07-01 $229,450 (18.3%) $315,236 (29.0%) 0.00 94
    2023-08-01 $234,925 (10.6%) $311,661 (24.8%) 0.00 99
    2023-09-01 $230,000 (0.4%) $301,571 (16.4%) 0.00 104
    2023-10-01 $218,500 (-5.0%) $292,124 (12.1%) 0.00 118
    2023-11-01 $210,225 (0.4%) $260,349 (1.0%) 0.00 132
    2023-12-01 $207,000 (1.0%) $254,790 (-0.7%) 0.00 123
    2024-01-01 $204,920 (3.0%) $248,619 (2.9%) 0.00 129
    2024-02-01 $199,500 (5.1%) $248,794 (6.4%) 0.00 126
    2024-03-01 $205,000 (-2.0%) $249,468 (1.1%) 0.00 128
    2024-04-01 $216,925 (-5.6%) $268,202 (-8.6%) 0.00 142
    2024-05-01 $238,500 (-0.6%) $289,318 (-7.3%) 0.00 149
    2024-06-01 $235,000 (2.4%) $284,646 (-7.1%) 0.00 151
    2024-07-01 $215,950 (-5.9%) $275,632 (-12.6%) 0.00 158
    2024-08-01 $217,400 (-7.5%) $280,825 (-9.9%) 0.00 183
    2024-09-01 $215,363 (-6.4%) $279,292 (-7.4%) 0.00 187
    2024-10-01 $212,500 (-2.8%) $268,506 (-8.1%) 0.00 182
    2024-11-01 $212,000 (0.8%) $269,698 (3.6%) 0.00 190
    Waycross's median listing price for 2024-11-01 was $212,000, a difference of $1,775 (0.8%) versus the prior year and $-500 versus the prior month.

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

    Waycross's average listing price for 2024-11-01 was $269,698, a difference of $9,349 (3.6%) versus the prior year and $1,192 versus the prior month.

    For the 2024-11-01 period, Waycross had 190 MLS listings, a difference of 8 listings (4%) versus the prior month and 58 listings (44%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Waycross (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 2,041 sqft
    2018-02-01 0 days 2,069 sqft
    2018-03-01 0 days 2,056 sqft
    2018-04-01 0 days 2,050 sqft
    2018-05-01 0 days 1,992 sqft
    2018-06-01 0 days 2,007 sqft
    2018-07-01 0 days 2,015 sqft
    2018-08-01 0 days 2,037 sqft
    2018-09-01 0 days 2,053 sqft
    2018-10-01 0 days 2,120 sqft
    2018-11-01 0 days 2,174 sqft
    2018-12-01 0 days 2,157 sqft
    2019-01-01 0 days 2,143 sqft
    2019-02-01 0 days 2,017 sqft
    2019-03-01 0 days 2,022 sqft
    2019-04-01 0 days 2,032 sqft
    2019-05-01 0 days 2,036 sqft
    2019-06-01 0 days 2,053 sqft
    2019-07-01 0 days 2,040 sqft
    2019-08-01 0 days 2,045 sqft
    2019-09-01 0 days 2,119 sqft
    2019-10-01 0 days 2,176 sqft
    2019-11-01 0 days 2,112 sqft
    2019-12-01 0 days 2,104 sqft
    2020-01-01 0 days 2,142 sqft
    2020-02-01 0 days 2,186 sqft
    2020-03-01 0 days 2,157 sqft
    2020-04-01 0 days 2,083 sqft
    2020-05-01 0 days 2,098 sqft
    2020-06-01 0 days 2,087 sqft
    2020-07-01 0 days 2,085 sqft
    2020-08-01 0 days 1,920 sqft
    2020-09-01 0 days 1,851 sqft
    2020-10-01 0 days 1,924 sqft
    2020-11-01 0 days 1,882 sqft
    2020-12-01 0 days 2,029 sqft
    2021-01-01 0 days 2,101 sqft
    2021-02-01 0 days 2,067 sqft
    2021-03-01 0 days 1,963 sqft
    2021-04-01 0 days 2,009 sqft
    2021-05-01 0 days 1,901 sqft
    2021-06-01 0 days 1,847 sqft
    2021-07-01 0 days 1,804 sqft
    2021-08-01 0 days 1,842 sqft
    2021-09-01 0 days 1,826 sqft
    2021-10-01 0 days 1,855 sqft
    2021-11-01 0 days 1,813 sqft
    2021-12-01 0 days 1,861 sqft
    2022-01-01 0 days 1,934 sqft
    2022-02-01 0 days 1,855 sqft
    2022-03-01 0 days 1,923 sqft
    2022-04-01 0 days 1,968 sqft
    2022-05-01 0 days 1,915 sqft
    2022-06-01 0 days 1,892 sqft
    2022-07-01 0 days 1,972 sqft
    2022-08-01 0 days 2,003 sqft
    2022-09-01 0 days 2,093 sqft
    2022-10-01 0 days 2,003 sqft
    2022-11-01 0 days 2,001 sqft
    2022-12-01 0 days 2,058 sqft
    2023-01-01 0 days 2,006 sqft
    2023-02-01 0 days 1,865 sqft
    2023-03-01 0 days 1,928 sqft
    2023-04-01 0 days 2,036 sqft
    2023-05-01 0 days 2,092 sqft
    2023-06-01 0 days 1,909 sqft
    2023-07-01 0 days 1,910 sqft
    2023-08-01 0 days 1,901 sqft
    2023-09-01 0 days 1,953 sqft
    2023-10-01 0 days 1,872 sqft
    2023-11-01 0 days 1,892 sqft
    2023-12-01 0 days 1,820 sqft
    2024-01-01 0 days 1,754 sqft
    2024-02-01 0 days 1,744 sqft
    2024-03-01 0 days 1,760 sqft
    2024-04-01 0 days 1,772 sqft
    2024-05-01 0 days 1,836 sqft
    2024-06-01 0 days 1,800 sqft
    2024-07-01 0 days 1,679 sqft
    2024-08-01 0 days 1,689 sqft
    2024-09-01 0 days 1,683 sqft
    2024-10-01 0 days 1,656 sqft
    2024-11-01 0 days 1,682 sqft
    Waycross's median listing age (time on market) for 2024-11-01 was 0 days.

    Waycross's median square footage for active listings during the 2024-11-01 period was 1,682 sqft. One year prior, the average listing was 1,892 sqft.

    Waycross, GA Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 461 $93,895,000 $203,677
    Refi 124 $15,890,000 $128,145
    Cash Out Refi 87 $12,725,000 $146,264
    Home Improvement 62 $3,500,000 $56,452
    Other 48 $3,420,000 $71,250

    Waycross's most frequently cited loan purpose was Home Purchase, with 461 originations. The 2nd most popular reason was Refi, with 124 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    6-7% 263 $54,175,000 $205,989
    Over 8% 202 $16,890,000 $83,614
    7-8% 161 $34,655,000 $215,248
    5-6% 104 $19,940,000 $191,731
    <2.5% 6 $80,000 $13,333
    4-5% 3 $685,000 $228,333
    3-4% 1 $105,000 $105,000

    During 2023, Waycross's most frequently originated rate bucket was 6-7%, with 263 originations.

    Loan Sizing (Waycross, GA MSA)

    Loan Size Originations Total Value Average Loan
    $100k-200k 308 $44,970,000 $146,006
    $100,000 or less 273 $14,785,000 $54,158
    $200k-400k 179 $47,665,000 $266,285
    $400k-600k 19 $8,635,000 $454,474
    $Over $1MM 2 $12,610,000 $6,305,000
    $600k-1000k 1 $765,000 $765,000

    Waycross's loan sizing saw the bucket of loans from $100k-200k with 308 originations, totaling $44,970,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 353 $70,795,000 $200,552
    60-80% 144 $22,830,000 $158,542
    40-60% 85 $20,475,000 $240,882
    20-40% 73 $5,185,000 $71,027
    Under 20% 60 $2,040,000 $34,000
    Over 100% 21 $4,905,000 $233,571

    Waycross's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 353 originations, totaling $70,795,000 in origination value.