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 6.49% for the week of 2023-05-25, compared to the national average of 6.57% for the same period.

    The average rate for the prior week (2023-05-18) was 6.21% and one month ago for the week of 2023-04-20, the average rate was 6.21%.

    Waycross's average rate one year ago was 5.27%.

    For refis of the same type during the week of 2023-05-25, the average rate was 7.07%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2023-05-25 6.57%
    Waycross 30 Year Fixed Rate 2023-05-25 6.49%
    Waycross 30 Year Fixed Rate Refi 2023-05-25 7.07%
    Waycross 15 Year Fixed Rate 2023-05-25 6.07%
    Waycross 15 Year Fixed Rate Refi 2023-05-25 6.17%
    Waycross 30 Year FHA 2023-05-25 6.16%
    Waycross 30 Year FHA Refi 2023-05-25 6.61%
    Waycross 30 Year USDA 2023-05-25 6.83%
    Waycross 30 Year USDA Refi 2023-05-25 6.73%
    Waycross 30 Year VA 2023-05-25 6.04%
    Waycross 30 Year VA Refi 2023-05-25 6.61%
    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 2022 Avg. 30yFix Rate 2022 Avg. Closing Costs
    UNITED WHOLESALE MORTGAGE, LLC 73 4.88% $5,131
    QUICKEN LOANS, LLC 46 5.25% $4,981
    GUARANTEED RATE, INC. 13 5.11% $4,705
    PrimeSouth Bank 10 4.66% $2,533
    SOUTHEASTERN Credit Union 7 4.91% $2,494
    PENNYMAC LOAN SERVICES, LLC 6 5.45% $5,208
    Wells Fargo Bank 5 4.38% $3,515
    Renasant Bank 5 4.80% $5,488
    Truist 5 4.50% $3,422
    ZILLOW HOME LOANS, LLC 4 5.94% $4,400
    AMERISAVE MORTGAGE CORPORATION 4 4.31% $7,376
    INTERSTATE UNLIMITED Federal Credit Union 4 5.00% $2,021
    HOMESTAR FINANCIAL CORPORATION 4 4.94% $3,258
    NAVY FEDERAL CREDIT UNION 4 5.88% $3,667
    PNC Bank 3 4.79% $2,390
    LOANDEPOT.COM, LLC 3 5.25% $5,582
    Ameris Bank 3 6.04% $9,016
    United Community Bank 3 4.17% $4,289
    AMERICAN PACIFIC MORTGAGE CORPORATION 3 5.54% $10,281
    DIAMOND RESIDENTIAL MORTGAGE CORPORATION 3 5.46% $5,961
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 3 6.25% $4,723
    HOMEBRIDGE FINANCIAL SERVICES, INC. 3 4.71% $4,960
    LAKEVIEW LOAN SERVICING, LLC 3 4.58% $4,365
    Mr. Cooper ( Nationstar Mortgage ) 2 5.69% $5,196
    21ST MORTGAGE CORPORATION 2 6.90% $5,606
    Colony Bank 2 5.19% $6,121
    CRESCENT MORTGAGE COMPANY 2 3.44% $14,927
    PRIMELENDING, A PLAINSCAPITAL COMPANY 2 5.63% $7,239
    Servion, Inc. 2 4.31% $2,887
    SIRVA MORTGAGE, INC. 2 5.19% $1,082
    South State Bank 2 6.31% $5,333
    T2 FINANCIAL LLC 2 4.81% $4,561
    Wyndham Capital Mortgage, Inc. 2 4.81% $4,101
    NFM, INC. 1 6.25% $7,119
    NJ LENDERS CORP. 1 6.88% $6,116
    North American Savings Bank, F.S.B. 1 5.38% $1,343
    Magnolia Bank 1 5.13% $5,306
    PENTAGON FEDERAL CREDIT UNION 1 6.00% $1,984
    JPMorgan Chase Bank 1 4.63% $9,458
    Citibank 1 4.75% $5,353
    HOME POINT FINANCIAL CORPORATION 1 5.88% $7,055
    GEORGIA'S OWN 1 6.88% $3,306
    Regions Bank 1 4.38% $3,544
    Flagstar Bank, FSB 1 3.99% $6,108
    Citadel Servicing Corporation 1 5.50% $9,845
    VYSTAR 1 5.00% $2,260
    First Option Mortgage, LLC 1 7.50% $5,035
    Blue Ridge Bank 1 4.50% $4,857
    AgFirst Farm Credit Bank 1 5.00% $5,265
    Third Federal Savings and Loan Association of Cleveland 1 3.34% $295
    TOTAL MORTGAGE SERVICES, LLC 1 7.63% $6,705
    EVERETT FINANCIAL, INC. 1 4.38% $1,910
    Mortgage Research Center, LLC 1 4.38% $2,203
    MOVEMENT MORTGAGE, LLC 1 4.50% $3,429
    1ST SIGNATURE LENDING, LLC 1 6.63% $4,981
    NATIONWIDE MORTGAGE BANKERS, INC. 1 3.99% $8,160
    MIDLAND MORTGAGE CORPORATION 1 3.38% $2,884
    NexBank 1 5.25% $3,755

    Waycross Average Closing Costs & Other Stats

    Waycross, GA's 58 lenders originated 989 loans during 2022. The total origination value was $157,505,000, with an average loan value of $159,257.

    Waycross's average closing costs are $4,868.

    The top Waycross lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 73 loans originated. Their average total fees are $5,131, which is $150 higher than the next largest lender, QUICKEN LOANS, LLC.

    The lowest fee Waycross lenders (with over 10 loans originated) are PrimeSouth Bank ($2,533), GUARANTEED RATE, INC. ($4,705), QUICKEN LOANS, LLC ($4,981), UNITED WHOLESALE MORTGAGE, LLC ($5,131) and .

    The lowest rate Waycross lenders (with over 10 loans originated) are PrimeSouth Bank (4.66%), UNITED WHOLESALE MORTGAGE, LLC (4.88%), GUARANTEED RATE, INC. (5.11%), QUICKEN LOANS, LLC (5.25%) and .

    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 2021 Loan Value 2022 Loan Value % Change 2022 Market Share
    UNITED WHOLESALE MORTGAGE, LLC $34,295,000 $29,010,000 -15.4% 18.4%
    QUICKEN LOANS, LLC $24,535,000 $18,825,000 -23.3% 12.0%
    PrimeSouth Bank $17,045,000 $18,325,000 7.5% 11.6%
    GUARANTEED RATE, INC. $9,710,000 $7,940,000 -18.2% 5.0%
    Mortgage Research Center, LLC $5,785,000 $5,120,000 -11.5% 3.3%
    SOUTHEASTERN Credit Union $2,870,000 $4,275,000 49.0% 2.7%
    Truist $3,765,000 $2,875,000 -23.6% 1.8%
    21ST MORTGAGE CORPORATION $1,845,000 $2,610,000 41.5% 1.7%
    HOMEBRIDGE FINANCIAL SERVICES, INC. $1,090,000 $2,595,000 138.1% 1.6%
    Ameris Bank $1,860,000 $2,585,000 39.0% 1.6%
    PENNYMAC LOAN SERVICES, LLC $2,385,000 $2,340,000 -1.9% 1.5%
    Renasant Bank $4,260,000 $2,135,000 -49.9% 1.4%
    HOMESTAR FINANCIAL CORPORATION $755,000 $1,900,000 151.7% 1.2%
    NAVY FEDERAL CREDIT UNION $1,195,000 $1,820,000 52.3% 1.2%
    DIAMOND RESIDENTIAL MORTGAGE CORPORATION $185,000 $1,695,000 816.2% 1.1%
    FREEDOM MORTGAGE CORPORATION $7,040,000 $1,610,000 -77.1% 1.0%
    Wells Fargo Bank $1,400,000 $1,610,000 15.0% 1.0%
    CRESCENT MORTGAGE COMPANY $4,920,000 $1,570,000 -68.1% 1.0%
    HOME POINT FINANCIAL CORPORATION $750,000 $1,520,000 102.7% 1.0%
    AgFirst Farm Credit Bank $2,025,000 $1,380,000 -31.9% 0.9%
    United Community Bank $1,425,000 $1,370,000 -3.9% 0.9%
    Blue Ridge Bank $2,860,000 $1,285,000 -55.1% 0.8%
    Southeastern Bank $210,000 $1,105,000 426.2% 0.7%
    CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $1,105,000 $1,085,000 -1.8% 0.7%
    AMERISAVE MORTGAGE CORPORATION $2,330,000 $1,045,000 -55.2% 0.7%
    CMG MORTGAGE, INC. $480,000 $1,045,000 117.7% 0.7%
    ZILLOW HOME LOANS, LLC $215,000 $975,000 353.5% 0.6%
    AMERICAN PACIFIC MORTGAGE CORPORATION $155,000 $955,000 516.1% 0.6%
    LOANDEPOT.COM, LLC $1,850,000 $935,000 -49.5% 0.6%
    Flagstar Bank, FSB $320,000 $920,000 187.5% 0.6%
    SIRVA MORTGAGE, INC. $915,000 n/a 0.6%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $705,000 $875,000 24.1% 0.6%
    PNC Bank $170,000 $845,000 397.1% 0.5%
    TOWNE MORTGAGE COMPANY $750,000 $810,000 8.0% 0.5%
    NEW DAY FINANCIAL, LLC $1,015,000 $795,000 -21.7% 0.5%
    PRIMELENDING, A PLAINSCAPITAL COMPANY $680,000 $730,000 7.4% 0.5%
    Mr. Cooper ( Nationstar Mortgage ) $2,545,000 $725,000 -71.5% 0.5%
    LAKEVIEW LOAN SERVICING, LLC $670,000 $710,000 6.0% 0.5%
    INTERSTATE UNLIMITED Federal Credit Union $90,000 $700,000 677.8% 0.4%
    NATIONWIDE MORTGAGE BANKERS, INC. $240,000 $675,000 181.3% 0.4%
    NEWREZ LLC $3,910,000 $670,000 -82.9% 0.4%
    Equity Prime Mortgage LLC $145,000 $645,000 344.8% 0.4%
    Wyndham Capital Mortgage, Inc. $265,000 $630,000 137.7% 0.4%
    ATLANTIC BAY MORTGAGE GROUP, L.L.C. $175,000 $590,000 237.1% 0.4%
    Mid-Continent Funding, Inc. $145,000 $575,000 296.6% 0.4%
    Bank of America $540,000 $550,000 1.9% 0.3%
    MORTGAGE SOLUTIONS OF COLORADO, LLC $75,000 $550,000 633.3% 0.3%
    T2 FINANCIAL LLC $550,000 n/a 0.3%
    Pineland Bank $710,000 $545,000 -23.2% 0.3%
    Citizens Bank $1,105,000 $540,000 -51.1% 0.3%
    TRIAD FINANCIAL SERVICES, INC. $1,060,000 $540,000 -49.1% 0.3%
    Alcova Mortgage LLC $530,000 n/a 0.3%
    GUARANTY HOME MORTGAGE CORPORATION $810,000 $525,000 -35.2% 0.3%
    South State Bank $395,000 $525,000 32.9% 0.3%
    Heritage Southeast Bank $395,000 $505,000 27.8% 0.3%
    VANDERBILT MORTGAGE AND FINANCE, INC. $835,000 $505,000 -39.5% 0.3%
    Colony Bank $440,000 $500,000 13.6% 0.3%
    Barrington Bank & Trust Company, N.A. $435,000 $490,000 12.6% 0.3%
    AMERICAN FINANCIAL RESOURCES, INC. $105,000 $480,000 357.1% 0.3%
    SOUTHWEST STAGE FUNDING, LLC $445,000 $465,000 4.5% 0.3%
    PENTAGON FEDERAL CREDIT UNION $250,000 $460,000 84.0% 0.3%
    Paramount Residential Mortgage Group, Inc. $165,000 $430,000 160.6% 0.3%
    Farmers & Merchants Bank $35,000 $380,000 985.7% 0.2%
    Magnolia Bank $85,000 $370,000 335.3% 0.2%
    CALIBER HOME LOANS, INC. $465,000 $360,000 -22.6% 0.2%
    Servion, Inc. $235,000 $350,000 48.9% 0.2%
    South Georgia Bank $350,000 n/a 0.2%
    ACADEMY MORTGAGE CORPORATION $345,000 n/a 0.2%
    JPMorgan Chase Bank $95,000 $345,000 263.2% 0.2%
    GEORGIA'S OWN $340,000 n/a 0.2%
    Northpointe Bank $525,000 $325,000 -38.1% 0.2%
    FirstBank $155,000 $310,000 100.0% 0.2%
    BAY EQUITY LLC $210,000 $305,000 45.2% 0.2%
    NJ LENDERS CORP. $305,000 n/a 0.2%
    MIDLAND MORTGAGE CORPORATION $1,205,000 $290,000 -75.9% 0.2%
    Notre Dame Federal Credit Union Corporation $195,000 $290,000 48.7% 0.2%
    Carrington Mortgage Services, LLC $260,000 $285,000 9.6% 0.2%
    HANCOCK MORTGAGE PARTNERS, LLC $245,000 $285,000 16.3% 0.2%
    BROKER SOLUTIONS, INC. $1,850,000 $280,000 -84.9% 0.2%
    MID AMERICA MORTGAGE, INC. $280,000 n/a 0.2%
    NATIONS RELIABLE LENDING, LLC $275,000 n/a 0.2%
    CIS Financial Services, Inc. $270,000 n/a 0.2%
    VYSTAR $270,000 n/a 0.2%
    BM Real Estate Services, Inc. $265,000 n/a 0.2%
    GUILD MORTGAGE COMPANY $470,000 $265,000 -43.6% 0.2%
    Bank of England $715,000 $260,000 -63.6% 0.2%
    Citadel Servicing Corporation $255,000 n/a 0.2%
    VILLAGE CAPITAL MORTGAGE $815,000 $250,000 -69.3% 0.2%
    BELEM SERVICING LLC $225,000 n/a 0.1%
    PROVIDENT FUNDING ASSOCIATES, L.P. $225,000 n/a 0.1%
    ROBINS FINANCIAL $225,000 n/a 0.1%
    MUTUAL OF OMAHA MORTGAGE, INC. $105,000 $220,000 109.5% 0.1%
    NUMARK CREDIT UNION $25,000 $220,000 780.0% 0.1%
    USAA Federal Savings Bank $1,455,000 $220,000 -84.9% 0.1%
    CLEARPATH LENDING $595,000 $215,000 -63.9% 0.1%
    ATLANTA POSTAL $205,000 n/a 0.1%
    North American Savings Bank, F.S.B. $205,000 n/a 0.1%
    Thomasville National Bank $205,000 n/a 0.1%
    Arvest Bank $195,000 n/a 0.1%
    Century Mortgage Company DBA Century Lending Company $335,000 $195,000 -41.8% 0.1%
    Regions Bank $195,000 $195,000 0.0% 0.1%
    THRIVE MORTGAGE, LLC $195,000 n/a 0.1%
    SOUTHEAST MORTGAGE OF GEORGIA, INC. $185,000 n/a 0.1%
    THE MORTGAGE FIRM, INC. $225,000 $185,000 -17.8% 0.1%
    NexBank $175,000 n/a 0.1%
    PRIMARY RESIDENTIAL MORTGAGE, INC. $145,000 $175,000 20.7% 0.1%
    MLD MORTGAGE INC. $165,000 n/a 0.1%
    TOTAL MORTGAGE SERVICES, LLC $165,000 n/a 0.1%
    PHH Mortgage Corporation $155,000 n/a 0.1%
    Chicago Mortgage Solutions LLC $185,000 $145,000 -21.6% 0.1%
    Nations Lending Corporation $145,000 n/a 0.1%
    NFM, INC. $145,000 n/a 0.1%
    LONGBRIDGE FINANCIAL, LLC $135,000 n/a 0.1%
    ACOPIA, LLC $125,000 n/a 0.1%
    AMERICAN FINANCING CORPORATION $125,000 n/a 0.1%
    Citibank $125,000 n/a 0.1%
    MOVEMENT MORTGAGE, LLC $565,000 $125,000 -77.9% 0.1%
    TOP FLITE FINANCIAL, INC. $125,000 n/a 0.1%
    MORIA DEVELOPMENT, INC. $115,000 n/a 0.1%
    RELIANCE FIRST CAPITAL, LLC $250,000 $115,000 -54.0% 0.1%
    Capital City Home Loans, LLC $165,000 $105,000 -36.4% 0.1%
    CHURCHILL MORTGAGE CORPORATION $420,000 $105,000 -75.0% 0.1%
    LOANPAL, LLC $75,000 $105,000 40.0% 0.1%
    ROYAL UNITED MORTGAGE LLC $105,000 n/a 0.1%
    U.S. Bank $740,000 $105,000 -85.8% 0.1%
    CROSSCOUNTRY MORTGAGE, LLC $175,000 $95,000 -45.7% 0.1%
    First Option Mortgage, LLC $95,000 n/a 0.1%
    GEORGIA UNITED $95,000 n/a 0.1%
    MORTGAGE INVESTORS GROUP, INC. $95,000 n/a 0.1%
    STOCKTON MORTGAGE CORPORATION $115,000 $95,000 -17.4% 0.1%
    ALLEGACY FEDERAL CREDIT UNION $75,000 n/a 0.0%
    AMERICAN ADVISORS GROUP $65,000 $75,000 15.4% 0.0%
    Third Federal Savings and Loan Association of Cleveland $75,000 n/a 0.0%
    Guardian Bank $265,000 $70,000 -73.6% 0.0%
    1ST SIGNATURE LENDING, LLC $295,000 $65,000 -78.0% 0.0%
    BancorpSouth Bank $65,000 n/a 0.0%
    EVERETT FINANCIAL, INC. $65,000 n/a 0.0%
    SPRING EQ, LLC $65,000 n/a 0.0%
    ALLIANT CREDIT UNION $55,000 n/a 0.0%
    Synovus Bank $300,000 $55,000 -81.7% 0.0%
    CONSUMERS COOPERATIVE CREDIT UNION $45,000 n/a 0.0%
    First-Citizens Bank & Trust Company $45,000 n/a 0.0%
    Figure Lending LLC $110,000 $40,000 -63.6% 0.0%
    FINANCE OF AMERICA REVERSE LLC $35,000 n/a 0.0%

    Waycross's top lender by overall market share is UNITED WHOLESALE MORTGAGE, LLC, with 18.4% market share. In second place, with 12.0%, is QUICKEN LOANS, LLC, having originated $18,825,000 in loans. In third place, with 11.6%, is PrimeSouth Bank, having originated $18,325,000 in loans. In fourth place, with 5.0%, is GUARANTEED RATE, INC., having originated $7,940,000 in loans. In fifth place, with 3.3%, is Mortgage Research Center, LLC, having originated $5,120,000 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 (4.5%) $156,351 (3.4%) 0.00 198
    2018-06-01 $129,900 (4.0%) $161,076 (4.4%) 0.00 190
    2018-07-01 $129,950 (0.7%) $165,119 (5.6%) 0.00 190
    2018-08-01 $131,975 (-3.3%) $167,443 (-0.4%) 0.00 184
    2018-09-01 $135,000 (-1.1%) $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 $147,950 (13.9%) $198,325 (30.0%) 0.00 152
    2019-04-01 $152,575 (17.7%) $203,339 (29.1%) 0.00 156
    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 $149,900 (13.6%) $196,560 (17.4%) 0.00 185
    2019-09-01 $158,125 (17.1%) $204,687 (10.8%) 0.00 183
    2019-10-01 $157,225 (8.5%) $194,905 (-2.0%) 0.00 186
    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 (11.3%) $199,541 (0.6%) 0.00 155
    2020-04-01 $167,975 (10.1%) $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 (-7.0%) $214,593 (9.2%) 0.00 119
    2020-09-01 $155,000 (-2.0%) $212,909 (4.0%) 0.00 118
    2020-10-01 $159,450 (1.4%) $213,466 (9.5%) 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 $169,000 (9.0%) $235,756 (10.7%) 0.00 110
    2021-10-01 $187,450 (17.6%) $235,265 (10.2%) 0.00 107
    2021-11-01 $189,000 (20.4%) $260,864 (18.0%) 0.00 102
    2021-12-01 $195,400 (15.0%) $270,427 (14.3%) 0.00 87
    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 (35.5%) $259,111 (9.9%) 0.00 95
    2022-10-01 $230,000 (22.7%) $260,644 (10.8%) 0.00 100
    2022-11-01 $209,500 (10.9%) $257,845 (-1.2%) 0.00 108
    2022-12-01 $205,000 (4.9%) $256,534 (-5.1%) 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
    Waycross's median listing price for 2023-04-01 was $229,900, a difference of $31,900 (16.1%) versus the prior year and $20,675 versus the prior month.

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

    Waycross's average listing price for 2023-04-01 was $293,369, a difference of $13,022 (4.7%) versus the prior year and $46,721 versus the prior month.

    For the 2023-04-01 period, Waycross had 92 MLS listings, a difference of -1 listings (-1%) versus the prior month and 18 listings (24%) 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 2,005 sqft
    2018-08-01 0 days 2,037 sqft
    2018-09-01 0 days 2,053 sqft
    2018-10-01 0 days 2,116 sqft
    2018-11-01 0 days 2,168 sqft
    2018-12-01 0 days 2,154 sqft
    2019-01-01 0 days 2,128 sqft
    2019-02-01 0 days 1,997 sqft
    2019-03-01 0 days 2,025 sqft
    2019-04-01 0 days 2,032 sqft
    2019-05-01 0 days 2,034 sqft
    2019-06-01 0 days 2,036 sqft
    2019-07-01 0 days 2,019 sqft
    2019-08-01 0 days 2,057 sqft
    2019-09-01 0 days 2,127 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 2,144 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 1,829 sqft
    2021-10-01 0 days 1,861 sqft
    2021-11-01 0 days 1,814 sqft
    2021-12-01 0 days 1,906 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 2,004 sqft
    2023-02-01 0 days 1,861 sqft
    2023-03-01 0 days 1,912 sqft
    2023-04-01 0 days 2,036 sqft
    Waycross's median listing age (time on market) for 2023-04-01 was 0 days.

    Waycross's median square footage for active listings during the 2023-04-01 period was 2,036 sqft. One year prior, the average listing was 1,968 sqft.

    Waycross, GA Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 594 $107,990,000 $181,801
    Refi 194 $22,850,000 $117,784
    Cash Out Refi 146 $22,410,000 $153,493
    Home Improvement 27 $1,855,000 $68,704
    Other 27 $2,175,000 $80,556
    NA 1 $225,000 $225,000

    Waycross's most frequently cited loan purpose was Home Purchase, with 594 originations. The 2nd most popular reason was Refi, with 194 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    4-5% 270 $44,070,000 $163,222
    5-6% 268 $43,700,000 $163,060
    3-4% 169 $32,785,000 $193,994
    6-7% 135 $18,225,000 $135,000
    2.5-3% 44 $6,800,000 $154,545
    7-8% 42 $4,340,000 $103,333
    Over 8% 23 $1,925,000 $83,696
    <2.5% 16 $2,500,000 $156,250

    During 2022, Waycross's most frequently originated rate bucket was 4-5%, with 270 originations.

    Loan Sizing (Waycross, GA MSA)

    Loan Size Originations Total Value Average Loan
    $100k-200k 413 $60,165,000 $145,678
    $100,000 or less 305 $18,095,000 $59,328
    $200k-400k 241 $64,465,000 $267,490
    $400k-600k 28 $12,780,000 $456,429
    $600k-1000k 1 $805,000 $805,000
    $Over $1MM 1 $1,195,000 $1,195,000

    Waycross's loan sizing saw the bucket of loans from $100k-200k with 413 originations, totaling $60,165,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 523 $99,975,000 $191,157
    60-80% 220 $33,360,000 $151,636
    40-60% 114 $12,410,000 $108,860
    20-40% 65 $3,765,000 $57,923
    Under 20% 26 $990,000 $38,077
    Over 100% 15 $3,285,000 $219,000

    Waycross's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 523 originations, totaling $99,975,000 in origination value.