Brevard Mortgage Rates

30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

30 Year Fixed Rate mortgages in Brevard averaged 5.93% for the week of 2022-06-23, compared to the national average of 5.81% for the same period.

The average rate for the prior week (2022-06-16) was 5.7% and one month ago for the week of 2022-05-19, the average rate was 5.17%.

Brevard's average rate one year ago was 2.84%.

For refis of the same type during the week of 2022-06-23, the average rate was 5.99%.

Loan Type Date Rate
US 30 Year Fixed Rate 2022-06-23 5.81%
Brevard 30 Year Fixed Rate 2022-06-23 5.93%
Brevard 30 Year Fixed Rate Refi 2022-06-23 5.99%
Brevard 15 Year Fixed Rate 2022-06-23 5.04%
Brevard 15 Year Fixed Rate Refi 2022-06-23 4.96%
Brevard 30 Year FHA 2022-06-23 0.4%
Brevard 30 Year FHA Refi 2022-06-23 0.03%
Brevard 30 Year USDA 2022-06-23 -0.02%
Brevard 30 Year USDA Refi 2022-06-23 -0.13%
Brevard 30 Year VA 2022-06-23 -0.16%
Brevard 30 Year VA Refi 2022-06-23 -0.29%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Brevard, NC.

Brevard Top Lenders by Rates & Fees

The below table looks at the consensus average rates and fees provided by each lendor, for only loans originated in the Brevard, NC 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 2021 Avg. 30yFix Rate 2021 Avg. Total Fees
QUICKEN LOANS, LLC 88 2.98% $5,296
United Community Bank 65 3.03% $4,478
MOVEMENT MORTGAGE, LLC 44 3.10% $4,106
Wells Fargo Bank 44 3.05% $3,656
First-Citizens Bank & Trust Company 37 3.00% $4,001
ATLANTIC BAY MORTGAGE GROUP, L.L.C. 37 3.09% $4,395
STATE EMPLOYEES' 27 3.32% $4,190
BETTER MORTGAGE CORPORATION 17 3.04% $4,558
GoPrime Mortgage, Inc. 17 3.18% $4,240
UNITED WHOLESALE MORTGAGE, LLC 15 2.96% $4,622
SUCCESS MORTGAGE PARTNERS, INC. 15 3.28% $3,909
Bank of America 15 2.68% $4,693
LOANDEPOT.COM, LLC 15 2.86% $4,195
AMERISAVE MORTGAGE CORPORATION 15 2.87% $4,928
Wolfe Financial, Inc 14 3.07% $4,598
First Bank 13 2.94% $2,911
HomeTrust Bank 12 2.89% $3,239
Stifel Bank and Trust 12 2.94% $3,706
South State Bank 12 3.05% $5,774
Fifth Third Bank 11 3.30% $3,839
UNITED 11 3.01% $3,967
Flagstar Bank, FSB 11 3.13% $4,796
Truist Bank 11 2.92% $4,098
UNION HOME MORTGAGE CORP. 10 3.03% $4,849
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 10 3.36% $3,540
GUARANTEED RATE, INC. 9 3.14% $4,645
LOCAL GOVERNMENT FEDERAL CREDIT UNION 9 3.26% $4,030
BROKER SOLUTIONS, INC. 8 3.06% $5,068
JPMorgan Chase Bank 8 2.97% $3,001
PNC Bank 8 2.95% $3,908
AmeriHome Mortgage Company, LLC 8 3.14% $3,792
Regions Bank 8 2.89% $6,321
INTERLINC MORTGAGE SERVICES, LLC 7 3.00% $3,213
CALIBER HOME LOANS, INC. 7 3.09% $4,775
NAVY FEDERAL CREDIT UNION 7 3.11% $3,772
American Security Mortgage Corp. 7 2.82% $3,889
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 7 3.07% $3,812
HOME POINT FINANCIAL CORPORATION 7 2.91% $4,284
Wyndham Capital Mortgage, Inc. 6 3.10% $1,479
CROSSCOUNTRY MORTGAGE, LLC 6 3.12% $4,708
Blue Ridge Bank 6 3.19% $4,786
NEWREZ LLC 6 2.89% $3,619
Mr. Cooper ( Nationstar Mortgage ) 6 3.06% $4,809
Champion Credit Union 6 2.94% $4,048
Ameris Bank 6 3.00% $4,448
PENNYMAC LOAN SERVICES, LLC 5 2.92% $4,724
PRIMELENDING, A PLAINSCAPITAL COMPANY 5 3.35% $6,025
HOMESIDE FINANCIAL, LLC 5 2.98% $3,694
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 5 3.10% $3,722
MUTUAL OF OMAHA MORTGAGE, INC. 5 2.97% $3,709
Alcova Mortgage LLC 5 3.07% $3,402
TD Bank 5 3.18% $4,912
First Guaranty Mortgage Corporation 4 3.38% $5,772
ACOPIA, LLC 4 3.37% $4,834
Morgan Stanley Private Bank 4 2.84% $5,096
U.S. Bank 4 3.22% $3,738
HOMESTAR FINANCIAL CORPORATION 4 3.44% $2,893
Charles Schwab Bank, SSB 3 2.48% $2,249
Paramount Residential Mortgage Group, Inc. 3 3.21% $6,260
Citizens Bank 3 2.71% $10,966
ARC HOME LLC 3 3.63% $18,315
BAY EQUITY LLC 3 3.04% $3,974
Magnolia Bank 3 3.04% $3,573
PHH Mortgage Corporation 3 3.04% $5,896
LOANPAL, LLC 3 2.91% $6,102
Raymond James Bank 3 2.96% $2,851
UBS Bank USA 2 2.94% $4,607
Alpha Mortgage Corporation 2 3.25% $4,677
SHARONVIEW FEDERAL CREDIT UNION 2 2.94% $5,411
FirstBank 2 2.81% $3,237
NFM, INC. 2 3.13% $2,467
MILEND, INC. 2 3.19% $4,861
First American Bank and Trust Company 2 2.94% $6,289
BNY Mellon 2 2.50% $4,291
InterContinental Capital Group, Inc 2 2.88% $5,229
GUILD MORTGAGE COMPANY 2 3.12% $3,369
AMERIFIRST FINANCIAL CORPORATION 2 3.19% $3,819
EMM LOANS LLC 2 3.00% $5,892
North American Savings Bank, F.S.B. 2 2.56% $1,993
Pinnacle Bank 2 3.25% $3,108
LADERA LENDING, INC. 2 3.13% $4,608
Telco Community Credit Union 2 3.31% $2,385
THE MORTGAGE FIRM, INC. 2 2.93% $5,668
The Park National Bank 2 3.06% $4,564
First Palmetto Bank 2 3.13% $3,693
PLUS RELOCATION MORTGAGE, LLC 2 3.31% $3,782
First Horizon Bank 2 2.56% $6,352
TEACHERS 1 2.75% $3,735
Advisors Mortgage Group, L.L.C. 1 3.63% $8,023
Allen Tate Mortgage Partners, LLC 1 3.25% $4,297
AMERICAN FINANCING CORPORATION 1 2.75% $2,918
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 1 3.50% $7,829
ANGEL OAK HOME LOANS LLC 1 3.00% $3,576
ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 2.99% $7,054
Arvest Bank 1 3.00% $5,691
ASHLAND Credit Union 1 3.50% $3,787
Assurance Financial Group, L.L.C. 1 2.38% $4,227
Atlantic Coast Mortgage, LLC 1 2.63% $3,920
Bank of England 1 3.13% $5,925
BANKSOUTH MORTGAGE COMPANY, LLC 1 3.50% $3,704
BMO Harris Bank 1 2.88% $3,095
CANOPY MORTGAGE, LLC 1 2.75% $1,599
Capital Bank 1 2.25% $4,718
CAPITAL CENTER, L.L.C. 1 2.88% $2,378
Carrington Mortgage Services, LLC 1 3.00% $4,542
Central Bank & Trust Company 1 3.00% $2,153
CERTAINTY HOME LOANS, LLC 1 2.75% $3,302
CHEVRON 1 2.88% $8,764
Citibank 1 2.50% $4,841
COASTAL Federal Credit Union 1 3.25% $2,366
Commerce Bank 1 2.88% $5,487
Commonwealth Bank and Trust Company 1 3.25% $4,136
Corporate Investors Mortgage Group, Inc. 1 3.00% $6,097
Countybank 1 3.38% $4,312
DELTA COMMUNITY CREDIT UNION 1 3.13% $7,017
DIRECT MORTGAGE LOANS, LLC 1 3.63% $4,397
DRAPER AND KRAMER MORTGAGE CORP. 1 3.13% $3,440
EagleBank 1 2.88% $4,415
EUSTIS AND AMERICAN MORTGAGE COMPANY 1 2.88% $5,900
FBC MORTGAGE, LLC 1 3.13% $6,979
FIDELITY DIRECT MORTGAGE, LLC 1 3.50% $12,203
FINANCE OF AMERICA MORTGAGE LLC 1 3.38% $3,427
First Federal Bank 1 2.63% $4,964
FIRST HOME MORTGAGE CORPORATION 1 3.25% $2,896
FREEDOM MORTGAGE CORPORATION 1 3.25% $1,923
Gateway First Bank 1 3.25% $3,002
GENEVA FINANCIAL, LLC 1 4.00% $5,418
GENISYS 1 2.63% $3,689
GMFS LLC 1 2.75% $3,204
Goldwater Bank, N.A. 1 2.75% $2,477
GUARANTEED RATE AFFINITY, LLC 1 2.99% $5,315
Hometown Equity Mortgage, LLC 1 2.75% $6,646
Ixonia Bank 1 2.75% $2,773
JET DIRECT FUNDING CORP 1 2.63% $3,178
LENDUS, LLC 1 3.13% $4,757
MIDLAND MORTGAGE CORPORATION 1 3.63% $6,111
MORTGAGE FINANCIAL GROUP, INC. 1 2.75% $9,656
Mortgage Network, Inc. 1 2.88% $4,163
Nations Lending Corporation 1 2.88% $5,729
NP, Inc. 1 3.00% $3,596
NTFN, INC. 1 2.75% $1,258
ON Q FINANCIAL, INC. 1 3.25% $4,868
Paramount Bank 1 2.50% $5,228
PENTAGON FEDERAL CREDIT UNION 1 3.13% $2,414
PLANET HOME LENDING, LLC 1 3.75% $4,598
Presidential Bank, FSB 1 2.75% $4,371
PRIMARY RESIDENTIAL MORTGAGE, INC. 1 4.38% $3,439
Prosperity Home Mortgage, LLC 1 2.88% $7,321
PROVIDENT FUNDING ASSOCIATES, L.P. 1 2.50% $3,090
Reliant Bank 1 2.88% $3,405
Republic Bank & Trust Company 1 2.88% $3,179
RUOFF MORTGAGE COMPANY, INC. 1 2.63% $1,949
S1L, Inc. 1 3.13% $3,055
Sierra Pacific Mortgage Company, Inc. 1 2.88% $4,574
SIWELL, INC. 1 3.63% $5,555
SOUTH CAROLINA FEDERAL CREDIT UNION 1 2.75% $6,637
Southern First Bank 1 3.25% $6,051
SOUTHERN TRUST MORTGAGE, LLC 1 3.00% $4,181
STOCKTON MORTGAGE CORPORATION 1 3.00% $7,499
Synovus Bank 1 2.75% $8,545
Truliant Federal Credit Union 1 4.50% $3,242
Trustmark National Bank 1 2.50% $3,590
UMB Bank 1 3.25% $3,155
Univest Bank and Trust Co. 1 3.25% $5,406
USAA Federal Savings Bank 1 2.75% $4,961
Watermark Capital, Inc. 1 2.88% $3,428
Waterstone Mortgage Corporation 1 2.88% $4,301
Webster Bank 1 3.00% $9,534

Brevard, NC's 168 lenders originated 1,743 loans during 2021. The total origination value was $454,645,000, with an average loan value of $260,841.

The top Brevard lender as defined by loan originations is QUICKEN LOANS, LLC, with 88 loans originated. Their average total fees are $5,296, which is $818 higher than the next largest lender, United Community Bank.

The lowest fee Brevard lenders (with over 10 loans originated) are First Bank ($2,911), HomeTrust Bank ($3,239), HIGHLANDS RESIDENTIAL MORTGAGE, LTD. ($3,540), Wells Fargo Bank ($3,656) and Stifel Bank and Trust ($3,706).

The lowest rate Brevard lenders (with over 10 loans originated) are Bank of America (2.68%), LOANDEPOT.COM, LLC (2.86%), AMERISAVE MORTGAGE CORPORATION (2.87%), HomeTrust Bank (2.89%) and Truist Bank (2.92%).

Brevard, NC Lender 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 2020 Loan Value 2021 Loan Value % Change 2021 Market Share
United Community Bank $43,080,000 $38,435,000 -10.8% 8.5%
QUICKEN LOANS, LLC $35,345,000 $36,210,000 2.4% 8.0%
First-Citizens Bank & Trust Company $22,115,000 $23,930,000 8.2% 5.3%
Wells Fargo Bank $14,540,000 $19,775,000 36.0% 4.3%
MOVEMENT MORTGAGE, LLC $11,650,000 $16,940,000 45.4% 3.7%
ATLANTIC BAY MORTGAGE GROUP, L.L.C. $13,085,000 $13,825,000 5.7% 3.0%
Bank of America $7,180,000 $12,055,000 67.9% 2.7%
STATE EMPLOYEES' $10,225,000 $11,410,000 11.6% 2.5%
Fifth Third Bank $5,650,000 $10,445,000 84.9% 2.3%
LOANDEPOT.COM, LLC $4,635,000 $9,815,000 111.8% 2.2%
First Bank $4,230,000 $8,480,000 100.5% 1.9%
GoPrime Mortgage, Inc. $4,755,000 $7,395,000 55.5% 1.6%
Truist Bank $10,890,000 $7,295,000 -33.0% 1.6%
UNITED WHOLESALE MORTGAGE, LLC $2,265,000 $7,285,000 221.6% 1.6%
BETTER MORTGAGE CORPORATION $1,340,000 $6,125,000 357.1% 1.3%
FREEDOM MORTGAGE CORPORATION $6,380,000 $5,580,000 -12.5% 1.2%
South State Bank $3,815,000 $5,395,000 41.4% 1.2%
Flagstar Bank, FSB $4,505,000 $4,960,000 10.1% 1.1%
GUARANTEED RATE, INC. $6,410,000 $4,715,000 -26.4% 1.0%
HomeTrust Bank $5,930,000 $4,570,000 -22.9% 1.0%
Regions Bank $1,685,000 $4,470,000 165.3% 1.0%
Stifel Bank and Trust $4,035,000 $4,470,000 10.8% 1.0%
PNC Bank $2,565,000 $4,325,000 68.6% 1.0%
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. $3,710,000 $4,320,000 16.4% 1.0%
Wolfe Financial, Inc $8,270,000 $4,310,000 -47.9% 0.9%
UNITED $6,255,000 $4,175,000 -33.3% 0.9%
AMERISAVE MORTGAGE CORPORATION $3,790,000 $4,095,000 8.0% 0.9%
PENNYMAC LOAN SERVICES, LLC $1,340,000 $4,075,000 204.1% 0.9%
Citizens Bank $1,910,000 $4,065,000 112.8% 0.9%
SUCCESS MORTGAGE PARTNERS, INC. $2,345,000 $3,910,000 66.7% 0.9%
JPMorgan Chase Bank $4,060,000 $3,880,000 -4.4% 0.9%
Southern First Bank $1,030,000 $3,750,000 264.1% 0.8%
UNION HOME MORTGAGE CORP. $3,640,000 $3,370,000 -7.4% 0.7%
First Guaranty Mortgage Corporation $205,000 $3,345,000 1,531.7% 0.7%
Morgan Stanley Private Bank $3,320,000 n/a 0.7%
Ameris Bank $1,435,000 $3,235,000 125.4% 0.7%
LOCAL GOVERNMENT FEDERAL CREDIT UNION $2,770,000 $3,150,000 13.7% 0.7%
American Security Mortgage Corp. $2,485,000 $3,120,000 25.6% 0.7%
Raymond James Bank $3,220,000 $3,045,000 -5.4% 0.7%
NAVY FEDERAL CREDIT UNION $2,070,000 $2,980,000 44.0% 0.7%
Mortgage Research Center, LLC $4,055,000 $2,955,000 -27.1% 0.6%
HOME POINT FINANCIAL CORPORATION $975,000 $2,910,000 198.5% 0.6%
CROSSCOUNTRY MORTGAGE, LLC $1,435,000 $2,875,000 100.3% 0.6%
Mr. Cooper ( Nationstar Mortgage ) $2,225,000 $2,620,000 17.8% 0.6%
BROKER SOLUTIONS, INC. $495,000 $2,535,000 412.1% 0.6%
Charles Schwab Bank, SSB $655,000 $2,515,000 284.0% 0.6%
CALIBER HOME LOANS, INC. $2,440,000 $2,485,000 1.8% 0.5%
U.S. Bank $3,130,000 $2,350,000 -24.9% 0.5%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $1,585,000 $2,260,000 42.6% 0.5%
Wyndham Capital Mortgage, Inc. $530,000 $2,200,000 315.1% 0.5%
Alcova Mortgage LLC $1,270,000 $2,165,000 70.5% 0.5%
Blue Ridge Bank $760,000 $2,145,000 182.2% 0.5%
TD Bank $7,090,000 $2,130,000 -70.0% 0.5%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $2,415,000 $2,015,000 -16.6% 0.4%
AmeriHome Mortgage Company, LLC $1,740,000 $1,970,000 13.2% 0.4%
ACOPIA, LLC $2,005,000 $1,935,000 -3.5% 0.4%
First Citizens National Bank $1,745,000 n/a 0.4%
INTERLINC MORTGAGE SERVICES, LLC $1,745,000 n/a 0.4%
NEWREZ LLC $2,070,000 $1,735,000 -16.2% 0.4%
MUTUAL OF OMAHA MORTGAGE, INC. $870,000 $1,630,000 87.4% 0.4%
ARC HOME LLC $155,000 $1,625,000 948.4% 0.4%
First Horizon Bank $725,000 $1,615,000 122.8% 0.4%
VANDERBILT MORTGAGE AND FINANCE, INC. $1,295,000 $1,595,000 23.2% 0.4%
HOMESIDE FINANCIAL, LLC $1,645,000 $1,505,000 -8.5% 0.3%
PRIMELENDING, A PLAINSCAPITAL COMPANY $1,210,000 $1,500,000 24.0% 0.3%
VILLAGE CAPITAL & INVESTMENT LLC $1,135,000 $1,330,000 17.2% 0.3%
LAKEVIEW LOAN SERVICING, LLC $745,000 $1,275,000 71.1% 0.3%
HOMESTAR FINANCIAL CORPORATION $770,000 $1,270,000 64.9% 0.3%
Champion Credit Union $1,830,000 $1,210,000 -33.9% 0.3%
NEW DAY FINANCIAL, LLC $1,140,000 $1,205,000 5.7% 0.3%
Telco Community Credit Union $1,390,000 $1,150,000 -17.3% 0.3%
North American Savings Bank, F.S.B. $245,000 $1,090,000 344.9% 0.2%
Synovus Bank $3,275,000 $1,015,000 -69.0% 0.2%
FBC MORTGAGE, LLC $1,005,000 n/a 0.2%
The Federal Savings Bank $430,000 $1,005,000 133.7% 0.2%
EagleBank $315,000 $995,000 215.9% 0.2%
BNY Mellon $1,055,000 $980,000 -7.1% 0.2%
PLANET HOME LENDING, LLC $515,000 $945,000 83.5% 0.2%
PENTAGON FEDERAL CREDIT UNION $525,000 $920,000 75.2% 0.2%
Renasant Bank $305,000 $905,000 196.7% 0.2%
Advisors Mortgage Group, L.L.C. $315,000 $885,000 181.0% 0.2%
Pinnacle Bank $1,075,000 $830,000 -22.8% 0.2%
UBS Bank USA $1,370,000 $820,000 -40.1% 0.2%
Citibank $350,000 $805,000 130.0% 0.2%
GUILD MORTGAGE COMPANY $915,000 $780,000 -14.8% 0.2%
InterContinental Capital Group, Inc $1,005,000 $775,000 -22.9% 0.2%
First American Bank and Trust Company $760,000 n/a 0.2%
BAY EQUITY LLC $1,160,000 $755,000 -34.9% 0.2%
UMB Bank $755,000 n/a 0.2%
ON Q FINANCIAL, INC. $835,000 $730,000 -12.6% 0.2%
MCLEAN MORTGAGE CORPORATION $1,265,000 $725,000 -42.7% 0.2%
LENDUS, LLC $660,000 $720,000 9.1% 0.2%
PLUS RELOCATION MORTGAGE, LLC $710,000 n/a 0.2%
The Park National Bank $760,000 $710,000 -6.6% 0.2%
CMG MORTGAGE, INC. $680,000 n/a 0.1%
Paramount Residential Mortgage Group, Inc. $275,000 $665,000 141.8% 0.1%
First Palmetto Bank $640,000 $650,000 1.6% 0.1%
Republic Bank & Trust Company $650,000 n/a 0.1%
AMERIFIRST FINANCIAL CORPORATION $1,240,000 $645,000 -48.0% 0.1%
FIDELITY DIRECT MORTGAGE, LLC $645,000 n/a 0.1%
CAPITAL CENTER, L.L.C. $420,000 $640,000 52.4% 0.1%
LOANPAL, LLC $410,000 $625,000 52.4% 0.1%
Bank of England $620,000 n/a 0.1%
CERTAINTY HOME LOANS, LLC $620,000 n/a 0.1%
Magnolia Bank $1,460,000 $615,000 -57.9% 0.1%
TIDEWATER MORTGAGE SERVICES, INC. $615,000 n/a 0.1%
FirstBank $1,595,000 $610,000 -61.8% 0.1%
Carrington Mortgage Services, LLC $545,000 $575,000 5.5% 0.1%
HOMEBRIDGE FINANCIAL SERVICES, INC. $2,150,000 $570,000 -73.5% 0.1%
NFM, INC. $570,000 n/a 0.1%
CHEVRON $565,000 n/a 0.1%
PHH Mortgage Corporation $565,000 n/a 0.1%
THE MORTGAGE FIRM, INC. $225,000 $560,000 148.9% 0.1%
Commerce Bank $555,000 n/a 0.1%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $545,000 n/a 0.1%
Central Bank & Trust Company $545,000 n/a 0.1%
MORTGAGE FINANCIAL GROUP, INC. $115,000 $545,000 373.9% 0.1%
Nations Lending Corporation $75,000 $545,000 626.7% 0.1%
SHARONVIEW FEDERAL CREDIT UNION $540,000 n/a 0.1%
LADERA LENDING, INC. $285,000 $530,000 86.0% 0.1%
EUSTIS AND AMERICAN MORTGAGE COMPANY $525,000 n/a 0.1%
Paramount Bank $525,000 n/a 0.1%
GUARANTEED RATE AFFINITY, LLC $515,000 $515,000 0.0% 0.1%
HANSCOM $505,000 n/a 0.1%
USAA Federal Savings Bank $4,205,000 $505,000 -88.0% 0.1%
MILEND, INC. $545,000 $470,000 -13.8% 0.1%
Visio Financial Services Inc. $470,000 n/a 0.1%
BAYSHORE MORTGAGE FUNDING, LLC $450,000 n/a 0.1%
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $205,000 $445,000 117.1% 0.1%
FINANCE OF AMERICA COMMERCIAL LLC $445,000 n/a 0.1%
Alpha Mortgage Corporation $440,000 n/a 0.1%
STOCKTON MORTGAGE CORPORATION $425,000 n/a 0.1%
Webster Bank $425,000 n/a 0.1%
Mortgage Network, Inc. $480,000 $415,000 -13.5% 0.1%
BMO Harris Bank $315,000 $405,000 28.6% 0.1%
Capital Bank $395,000 n/a 0.1%
UNIVERSITY CREDIT UNION $395,000 n/a 0.1%
Waterstone Mortgage Corporation $705,000 $395,000 -44.0% 0.1%
Univest Bank and Trust Co. $385,000 n/a 0.1%
Allen Tate Mortgage Partners, LLC $375,000 n/a 0.1%
AMERICAN FINANCIAL NETWORK, INC. $400,000 $375,000 -6.3% 0.1%
First Federal Bank $935,000 $375,000 -59.9% 0.1%
TEACHERS $375,000 n/a 0.1%
POLARIS HOME FUNDING CORP. $355,000 $365,000 2.8% 0.1%
CHURCHILL MORTGAGE CORPORATION $440,000 $360,000 -18.2% 0.1%
Barrington Bank & Trust Company, N.A. $350,000 $355,000 1.4% 0.1%
BM Real Estate Services, Inc. $355,000 n/a 0.1%
DELTA COMMUNITY CREDIT UNION $445,000 $355,000 -20.2% 0.1%
Georgia Banking Company $355,000 n/a 0.1%
TIAA, FSB $420,000 $355,000 -15.5% 0.1%
Baxter Credit Union $350,000 n/a 0.1%
SOUTHERN TRUST MORTGAGE, LLC $370,000 $345,000 -6.8% 0.1%
American National Bank and Trust Company $325,000 $325,000 0.0% 0.1%
CORNING $325,000 n/a 0.1%
Northpointe Bank $800,000 $325,000 -59.4% 0.1%
Prosperity Home Mortgage, LLC $215,000 $325,000 51.2% 0.1%
Farmers Bank & Trust $315,000 n/a 0.1%
First Savings Bank $315,000 n/a 0.1%
EMM LOANS LLC $315,000 $310,000 -1.6% 0.1%
Corporate Investors Mortgage Group, Inc. $880,000 $305,000 -65.3% 0.1%
Gateway First Bank $305,000 n/a 0.1%
MIDLAND MORTGAGE CORPORATION $305,000 n/a 0.1%
DRAPER AND KRAMER MORTGAGE CORP. $295,000 n/a 0.1%
FIRST COMMUNITY MORTGAGE, INC. $455,000 $295,000 -35.2% 0.1%
GENISYS $295,000 n/a 0.1%
COASTAL Federal Credit Union $800,000 $290,000 -63.8% 0.1%
JET DIRECT FUNDING CORP $285,000 n/a 0.1%
Presidential Bank, FSB $285,000 n/a 0.1%
NP, Inc. $195,000 $275,000 41.0% 0.1%
Carter Bank & Trust $715,000 $265,000 -62.9% 0.1%
TJC Mortgage, Inc. $265,000 n/a 0.1%
Commonwealth Bank and Trust Company $255,000 n/a 0.1%
GMFS LLC $305,000 $255,000 -16.4% 0.1%
SIWELL, INC. $255,000 n/a 0.1%
TOTAL MORTGAGE SERVICES, LLC $255,000 n/a 0.1%
TOWER $250,000 n/a 0.1%
ANGEL OAK HOME LOANS LLC $205,000 $245,000 19.5% 0.1%
Arvest Bank $245,000 n/a 0.1%
FBT Mortgage, L.L.C. $245,000 n/a 0.1%
Trustmark National Bank $1,505,000 $245,000 -83.7% 0.1%
AMERICAN FINANCING CORPORATION $205,000 $235,000 14.6% 0.1%
FINANCE OF AMERICA REVERSE LLC $290,000 $235,000 -19.0% 0.1%
VAN DYK MORTGAGE CORPORATION $205,000 $235,000 14.6% 0.1%
Atlantic Coast Mortgage, LLC $225,000 n/a 0.0%
BANKSOUTH MORTGAGE COMPANY, LLC $225,000 n/a 0.0%
21ST MORTGAGE CORPORATION $275,000 $220,000 -20.0% 0.0%
Countybank $570,000 $215,000 -62.3% 0.0%
SOUTHWEST STAGE FUNDING, LLC $215,000 n/a 0.0%
United Bank $205,000 $215,000 4.9% 0.0%
DIRECT MORTGAGE LOANS, LLC $205,000 n/a 0.0%
GSF Mortgage Corporation $205,000 n/a 0.0%
IMPAC MORTGAGE CORP. $205,000 n/a 0.0%
Ixonia Bank $165,000 $205,000 24.2% 0.0%
NTFN, INC. $205,000 n/a 0.0%
RESOURCE FINANCIAL SERVICES, INC. $205,000 $205,000 0.0% 0.0%
SUN WEST MORTGAGE COMPANY, INC. $1,000,000 $205,000 -79.5% 0.0%
ZILLOW HOME LOANS, LLC $205,000 n/a 0.0%
Assurance Financial Group, L.L.C. $195,000 n/a 0.0%
FINANCE OF AMERICA MORTGAGE LLC $590,000 $195,000 -66.9% 0.0%
FIRST HOME MORTGAGE CORPORATION $315,000 $195,000 -38.1% 0.0%
Northwest Federal Credit Union $195,000 n/a 0.0%
Watermark Capital, Inc. $195,000 n/a 0.0%
Sierra Pacific Mortgage Company, Inc. $465,000 $185,000 -60.2% 0.0%
1ST SIGNATURE LENDING, LLC $360,000 $165,000 -54.2% 0.0%
AMERICAN ADVISORS GROUP $225,000 $165,000 -26.7% 0.0%
SOUTH CAROLINA FEDERAL CREDIT UNION $205,000 $165,000 -19.5% 0.0%
ASHLAND Credit Union $155,000 n/a 0.0%
CANOPY MORTGAGE, LLC $135,000 $155,000 14.8% 0.0%
CORNERSTONE HOME LENDING, INC. $155,000 n/a 0.0%
GENEVA FINANCIAL, LLC $155,000 n/a 0.0%
RADIUS FINANCIAL GROUP INC. $105,000 $155,000 47.6% 0.0%
RUOFF MORTGAGE COMPANY, INC. $215,000 $155,000 -27.9% 0.0%
PROVIDENT FUNDING ASSOCIATES, L.P. $145,000 n/a 0.0%
Reliant Bank $145,000 n/a 0.0%
Truliant Federal Credit Union $140,000 n/a 0.0%
CSL Financial, LLC $135,000 n/a 0.0%
PRIMARY RESIDENTIAL MORTGAGE, INC. $135,000 n/a 0.0%
Bethpage Federal Credit Union $125,000 n/a 0.0%
Equity Prime Mortgage LLC $125,000 n/a 0.0%
HSBC BANK USA, NATIONAL ASSOCIATION $115,000 n/a 0.0%
Hometown Equity Mortgage, LLC $105,000 n/a 0.0%
THRIVE MORTGAGE, LLC $105,000 n/a 0.0%
CREDIT HUMAN FEDERAL CREDIT UNION $95,000 n/a 0.0%
S1L, Inc. $95,000 n/a 0.0%
Auto Club Trust, FSB $85,000 n/a 0.0%
Discover Bank $85,000 n/a 0.0%
Goldwater Bank, N.A. $275,000 $85,000 -69.1% 0.0%
ALLIANT CREDIT UNION $55,000 n/a 0.0%
SPRING EQ, LLC $305,000 $55,000 -82.0% 0.0%
Figure Lending LLC $85,000 $25,000 -70.6% 0.0%

Brevard's top lender by overall market share is United Community Bank, with 8.5% market share. In second place, with 8.0%, is QUICKEN LOANS, LLC, having originated $36,210,000 in loans. In third place, with 5.3%, is First-Citizens Bank & Trust Company, having originated $23,930,000 in loans. In third place, with 4.3%, is Wells Fargo Bank, having originated $19,775,000 in loans. In third place, with 3.7%, is MOVEMENT MORTGAGE, LLC, having originated $16,940,000 in loans.


Brevard, NC Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 642 $211,960,000 $330,156
Refi 582 $130,540,000 $224,296
Cash Out Refi 339 $86,315,000 $254,617
Other 92 $16,950,000 $184,239
Home Improvement 88 $8,880,000 $100,909

Brevard's most frequently cited loan purpose was Home Purchase, with 642 originations. The 2nd most popular reason was Refi, with 582 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
2.5-3% 820 $217,180,000 $264,854
3-4% 578 $146,480,000 $253,426
<2.5% 258 $77,750,000 $301,357
4-5% 58 $9,220,000 $158,966
5-6% 11 $1,025,000 $93,182
6-7% 6 $660,000 $110,000
Over 8% 6 $1,360,000 $226,667
7-8% 3 $195,000 $65,000

During 2021, Brevard's most frequently originated rate bucket was 2.5-3%, with 820 originations.

Loan Sizing (Brevard, NC MSA)

Loan Size Originations Total Value Average Loan
$200k-400k 761 $211,235,000 $277,576
$100k-200k 530 $80,130,000 $151,189
$100,000 or less 206 $12,730,000 $61,796
$400k-600k 186 $89,200,000 $479,570
$600k-1000k 39 $29,595,000 $758,846
$Over $1MM 21 $31,755,000 $1,512,143

Brevard's loan sizing saw the bucket of loans from $200k-400k with 761 originations, totaling $211,235,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
60-80% 591 $184,815,000 $312,716
80-100% 408 $128,850,000 $315,809
40-60% 353 $85,715,000 $242,819
20-40% 223 $35,755,000 $160,336
Under 20% 116 $6,900,000 $59,483
Over 100% 7 $2,875,000 $410,714

Brevard's loan sizing saw loans grouped in the 60-80% Loan-to-value bucket with 591 originations, totaling $184,815,000 in origination value.


Market Conditions (Median, Average Prices & Listing Count)

Realtor.com - Brevard (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 $385,000 (-3.4%) $590,250 (-17.3%) 0.00 633
2018-02-01 $387,405 (-1.3%) $602,513 (-14.5%) 0.00 471
2018-03-01 $399,900 (0.6%) $625,298 (-11.4%) 0.00 462
2018-04-01 $399,500 (0.1%) $607,268 (-13.0%) 0.00 464
2018-05-01 $417,000 (4.8%) $607,570 (-12.8%) 0.00 480
2018-06-01 $435,000 (9.0%) $613,708 (-9.4%) 0.00 448
2018-07-01 $429,000 (7.3%) $607,266 (-7.6%) 0.00 464
2018-08-01 $429,000 (0.7%) $621,822 (-5.1%) 0.00 459
2018-09-01 $429,000 (0.0%) $610,759 (-8.0%) 0.00 458
2018-10-01 $429,000 (0.5%) $607,744 (-6.3%) 0.00 460
2018-11-01 $429,000 (1.7%) $617,901 (-3.8%) 0.00 445
2018-12-01 $439,000 (2.3%) $644,197 (-2.5%) 0.00 418
2019-01-01 $454,250 (18.0%) $669,816 (13.5%) 0.00 374
2019-02-01 $464,000 (19.8%) $694,776 (15.3%) 0.00 371
2019-03-01 $472,286 (18.1%) $702,691 (12.4%) 0.00 379
2019-04-01 $487,286 (22.0%) $708,990 (16.8%) 0.00 388
2019-05-01 $475,000 (13.9%) $698,004 (14.9%) 0.00 427
2019-06-01 $475,000 (9.2%) $701,635 (14.3%) 0.00 443
2019-07-01 $472,000 (10.0%) $716,366 (18.0%) 0.00 456
2019-08-01 $460,857 (7.4%) $711,290 (14.4%) 0.00 447
2019-09-01 $449,500 (4.8%) $698,118 (14.3%) 0.00 437
2019-10-01 $454,500 (5.9%) $723,988 (19.1%) 0.00 430
2019-11-01 $449,900 (4.9%) $717,936 (16.2%) 0.00 393
2019-12-01 $449,900 (2.5%) $728,304 (13.1%) 0.00 360
2020-01-01 $449,950 (-1.0%) $737,237 (10.1%) 0.00 332
2020-02-01 $459,000 (-1.1%) $740,788 (6.6%) 0.00 325
2020-03-01 $475,300 (0.6%) $752,642 (7.1%) 0.00 321
2020-04-01 $475,300 (-2.5%) $750,759 (5.9%) 0.00 328
2020-05-01 $499,000 (5.1%) $744,606 (6.7%) 0.00 322
2020-06-01 $512,000 (7.8%) $777,784 (10.9%) 0.00 299
2020-07-01 $595,000 (26.1%) $832,115 (16.2%) 0.00 263
2020-08-01 $570,000 (23.7%) $838,251 (17.9%) 0.00 225
2020-09-01 $560,000 (24.6%) $815,711 (16.8%) 0.00 199
2020-10-01 $545,000 (19.9%) $840,620 (16.1%) 0.00 189
2020-11-01 $490,000 (8.9%) $793,065 (10.5%) 0.00 170
2020-12-01 $527,000 (17.1%) $821,094 (12.7%) 0.00 154
2021-01-01 $525,000 (16.7%) $857,837 (16.4%) 0.00 131
2021-02-01 $644,000 (40.3%) $962,584 (29.9%) 0.00 104
2021-03-01 $644,500 (35.6%) $938,162 (24.7%) 0.00 106
2021-04-01 $600,000 (26.2%) $994,041 (32.4%) 0.00 105
2021-05-01 $775,000 (55.3%) $1,220,246 (63.9%) 0.00 109
2021-06-01 $665,000 (29.9%) $1,045,963 (34.5%) 0.00 110
2021-07-01 $612,450 (2.9%) $992,434 (19.3%) 0.00 105
2021-08-01 $524,500 (-8.0%) $902,664 (7.7%) 0.00 109
2021-09-01 $645,000 (15.2%) $965,837 (18.4%) 0.00 104
2021-10-01 $675,000 (23.9%) $1,024,067 (21.8%) 0.00 109
2021-11-01 $750,000 (53.1%) $990,906 (25.0%) 0.00 115
2021-12-01 $762,000 (44.6%) $1,026,863 (25.1%) 0.00 97
2022-01-01 $800,000 (52.4%) $1,170,989 (36.5%) 0.00 81
2022-02-01 $749,500 (16.4%) $1,175,184 (22.1%) 0.00 71
2022-03-01 $767,000 (19.0%) $1,169,905 (24.7%) 0.00 72
2022-04-01 $699,000 (16.5%) $1,066,722 (7.3%) 0.00 76
2022-05-01 $607,400 (-21.6%) $963,934 (-21.0%) 0.00 95
Brevard's median listing price for 2022-05-01 was $607,400, a difference of $-167,600 (-21.6%) versus the prior year and $-91,600 versus the prior month.

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

Brevard's average listing price for 2022-05-01 was $963,934, a difference of $-256,312 (-21.0%) versus the prior year and $-102,788 versus the prior month.

For the 2022-05-01 period, Brevard had 95 MLS listings, a difference of 19 listings (25%) versus the prior month and -14 listings (-13%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - Brevard (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 0 days 2,235 sqft
2018-02-01 0 days 2,250 sqft
2018-03-01 0 days 2,250 sqft
2018-04-01 0 days 2,250 sqft
2018-05-01 0 days 2,250 sqft
2018-06-01 0 days 2,250 sqft
2018-07-01 0 days 2,250 sqft
2018-08-01 0 days 2,254 sqft
2018-09-01 0 days 2,317 sqft
2018-10-01 0 days 2,288 sqft
2018-11-01 0 days 2,271 sqft
2018-12-01 0 days 2,265 sqft
2019-01-01 0 days 2,347 sqft
2019-02-01 0 days 2,384 sqft
2019-03-01 0 days 2,423 sqft
2019-04-01 0 days 2,458 sqft
2019-05-01 0 days 2,423 sqft
2019-06-01 0 days 2,480 sqft
2019-07-01 0 days 2,450 sqft
2019-08-01 0 days 2,393 sqft
2019-09-01 0 days 2,391 sqft
2019-10-01 0 days 2,396 sqft
2019-11-01 0 days 2,376 sqft
2019-12-01 0 days 2,360 sqft
2020-01-01 0 days 2,307 sqft
2020-02-01 0 days 2,250 sqft
2020-03-01 0 days 2,307 sqft
2020-04-01 0 days 2,348 sqft
2020-05-01 0 days 2,408 sqft
2020-06-01 0 days 2,460 sqft
2020-07-01 0 days 2,580 sqft
2020-08-01 0 days 2,585 sqft
2020-09-01 0 days 2,464 sqft
2020-10-01 0 days 2,330 sqft
2020-11-01 0 days 2,124 sqft
2020-12-01 0 days 2,250 sqft
2021-01-01 0 days 2,360 sqft
2021-02-01 0 days 2,604 sqft
2021-03-01 0 days 2,621 sqft
2021-04-01 0 days 2,201 sqft
2021-05-01 0 days 2,408 sqft
2021-06-01 0 days 2,237 sqft
2021-07-01 0 days 2,142 sqft
2021-08-01 0 days 1,981 sqft
2021-09-01 0 days 2,395 sqft
2021-10-01 0 days 2,271 sqft
2021-11-01 0 days 2,321 sqft
2021-12-01 0 days 2,297 sqft
2022-01-01 0 days 2,400 sqft
2022-02-01 0 days 2,249 sqft
2022-03-01 0 days 2,051 sqft
2022-04-01 0 days 2,060 sqft
2022-05-01 0 days 2,056 sqft
Brevard's median listing age (time on market) for 2022-05-01 was 0 days.

Brevard's median square footage for active listings during the 2022-05-01 period was 2,056 sqft. One year prior, the average listing was 2,408 sqft.