DALTON Mortgage Rates

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

30 Year Fixed Rate mortgages in Dalton averaged 5.59% for the week of 2022-05-19, compared to the national average of 5.25% for the same period.

The average rate for the prior week (2022-05-12) was 5.54% and one month ago for the week of 2022-04-14, the average rate was 5.14%.

Dalton's average rate one year ago was 2.99%.

For refis of the same type during the week of 2022-05-19, the average rate was 5.32%.

Loan Type Date Rate
US 30 Year Fixed Rate 2022-05-19 5.25%
Dalton 30 Year Fixed Rate 2022-05-19 5.59%
Dalton 30 Year Fixed Rate Refi 2022-05-19 5.32%
Dalton 15 Year Fixed Rate 2022-05-19 4.96%
Dalton 15 Year Fixed Rate Refi 2022-05-19 4.74%
Dalton 30 Year FHA 2022-05-19 5.27%
Dalton 30 Year FHA Refi 2022-05-19 5.24%
Dalton 30 Year USDA 2022-05-19 5.38%
Dalton 30 Year USDA Refi 2022-05-19 5.21%
Dalton 30 Year VA 2022-05-19 5.6%
Dalton 30 Year VA Refi 2022-05-19 5.03%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within DALTON, GA.

DALTON 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 DALTON, 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 2021 Avg. 30yFix Rate 2021 Avg. Total Fees
QUICKEN LOANS, LLC 134 3.19% $4,903
FirstBank 86 3.13% $3,449
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 75 3.22% $3,628
STOCKTON MORTGAGE CORPORATION 70 3.29% $4,754
Wells Fargo Bank 70 3.16% $2,878
Regions Bank 67 3.27% $3,569
GEORGIA UNITED 56 3.19% $3,776
South State Bank 53 2.96% $4,048
HOMESTAR FINANCIAL CORPORATION 49 3.16% $2,311
Truist Bank 47 3.12% $3,511
MOVEMENT MORTGAGE, LLC 47 3.22% $3,275
TJC Mortgage, Inc. 30 3.21% $4,413
BROKER SOLUTIONS, INC. 29 3.29% $3,735
AMERISAVE MORTGAGE CORPORATION 28 2.91% $4,869
UNITED WHOLESALE MORTGAGE, LLC 26 2.94% $4,774
LOANDEPOT.COM, LLC 23 3.14% $4,718
PRIMELENDING, A PLAINSCAPITAL COMPANY 20 3.12% $4,666
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 20 3.25% $3,898
CALIBER HOME LOANS, INC. 19 3.23% $3,332
Citizens Bank 18 3.06% $3,684
Renasant Bank 18 3.13% $5,148
BANKSOUTH MORTGAGE COMPANY, LLC 16 3.12% $4,675
PENNYMAC LOAN SERVICES, LLC 14 3.14% $4,305
BETTER MORTGAGE CORPORATION 12 3.03% $2,650
DAS Acquisition Company, LLC 11 3.49% $3,790
Mr. Cooper ( Nationstar Mortgage ) 11 3.50% $4,910
GUILD MORTGAGE COMPANY 10 3.23% $4,572
FREEDOM MORTGAGE CORPORATION 10 3.10% $3,136
MORTGAGE INVESTORS GROUP, INC. 9 3.28% $3,255
Bank of America 8 3.02% $3,122
NEWREZ LLC 8 3.28% $3,859
Flagstar Bank, FSB 8 3.46% $3,350
HOME POINT FINANCIAL CORPORATION 8 3.11% $4,389
INSPIRE HOME LOANS INC. 8 3.25% $3,723
JPMorgan Chase Bank 8 3.22% $2,584
KELLER MORTGAGE, LLC 8 3.14% $2,278
Ameris Bank 8 3.11% $3,239
SUMMIT FUNDING, INC. 7 3.46% $3,838
InterContinental Capital Group, Inc 7 3.55% $4,275
GUARANTEED RATE, INC. 7 3.20% $2,537
SUCCESS MORTGAGE PARTNERS, INC. 6 2.98% $6,320
TENNESSEE VALLEY 6 2.92% $3,975
NAVY FEDERAL CREDIT UNION 5 3.90% $4,654
Synovus Bank 5 3.18% $3,700
Mortgage Research Center, LLC 5 3.10% $3,336
ARK-LA-TEX FINANCIAL SERVICES, LLC. 5 3.13% $2,428
SWBC MORTGAGE CORPORATION 4 3.09% $3,473
MUTUAL OF OMAHA MORTGAGE, INC. 4 3.00% $6,152
CMG MORTGAGE, INC. 4 3.25% $5,583
Prosperity Home Mortgage, LLC 4 3.28% $3,076
Carrington Mortgage Services, LLC 4 3.25% $4,744
CERTAINTY HOME LOANS, LLC 4 3.19% $3,572
PANORAMA MORTGAGE GROUP, LLC 3 3.29% $4,328
FIRST COMMUNITY MORTGAGE, INC. 3 3.21% $3,105
CRESCENT MORTGAGE COMPANY 3 3.00% $2,999
First Option Mortgage, LLC 3 3.08% $4,339
GUARANTEED RATE AFFINITY, LLC 3 3.08% $4,591
BancorpSouth Bank 3 3.04% $3,415
Ally Bank 3 2.41% $8,801
PROVIDENT FUNDING ASSOCIATES, L.P. 3 2.92% $2,713
LAKEVIEW LOAN SERVICING, LLC 3 3.50% $3,211
HOMESIDE FINANCIAL, LLC 3 2.96% $3,568
ISERVE RESIDENTIAL LENDING, LLC 3 3.42% $7,316
Wyndham Capital Mortgage, Inc. 3 3.08% $3,146
Bank of England 3 3.17% $3,393
Chicago Mortgage Solutions LLC 2 2.80% $1,703
THE MORTGAGE FIRM, INC. 2 3.69% $3,598
EVANSVILLE TEACHERS 2 3.31% $2,993
United Community Bank 2 3.69% $3,245
Pinnacle Bank 2 3.31% $6,489
Capital City Home Loans, LLC 2 3.56% $3,478
PENTAGON FEDERAL CREDIT UNION 2 2.88% $1,985
NJ LENDERS CORP. 2 2.75% $3,590
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 2 3.06% $3,541
CROSSCOUNTRY MORTGAGE, LLC 2 3.25% $5,529
NBKC BANK 2 2.94% $1,997
MEMBER FIRST MORTGAGE, LLC 2 3.38% $3,742
MILEND, INC. 2 3.25% $6,050
LEADERONE FINANCIAL CORPORATION 2 2.94% $3,399
First Guaranty Mortgage Corporation 2 3.37% $2,738
STEARNS LENDING, LLC 2 3.19% $7,073
First Citizens National Bank 2 3.00% $2,738
ZILLOW HOME LOANS, LLC 1 3.00% $3,370
ADVANCIAL 1 3.13% $4,204
AMERICAN FINANCIAL NETWORK, INC. 1 3.25% $14,379
AMERICAN FINANCING CORPORATION 1 2.99% $3,468
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 1 3.13% $4,274
AMERICAN PACIFIC MORTGAGE CORPORATION 1 3.50% $3,294
ARC HOME LLC 1 3.13% $1,454
ASPIRE FINANCIAL, INC. 1 3.38% $3,702
ATLANTA POSTAL 1 3.38% $3,104
ATLANTIC BAY MORTGAGE GROUP, L.L.C. 1 3.13% $2,970
Baxter Credit Union 1 2.75% $2,119
Colten Mortgage, LLC 1 2.88% $3,576
CU COMMUNITY, LLC 1 3.38% $4,141
DELTA COMMUNITY CREDIT UNION 1 2.88% $4,120
DIRECT LENDERS, LLC 1 2.88% $1,451
Discover Bank 1 3.99% $0
EAGLE HOME MORTGAGE, LLC 1 3.25% $2,522
EMM LOANS LLC 1 2.99% $6,896
Equity Prime Mortgage LLC 1 3.00% $7,694
Fifth Third Bank 1 2.99% $3,965
First National Bank of America 1 6.50% $6,332
First Reliance Bank 1 3.25% $2,923
FIRST TECHNOLOGY 1 3.00% $2,747
GENEVA FINANCIAL, LLC 1 2.88% $4,090
GSF Mortgage Corporation 1 2.63% $3,012
HOMESPIRE MORTGAGE CORPORATION 1 3.25% $4,606
IMPAC MORTGAGE CORP. 1 2.63% $1,393
Independent Bank 1 2.50% $2,835
Lakeview Community Capital, LLC 1 3.50% $2,765
LGE COMMUNITY 1 2.70% $2,188
Liberty Savings Bank, F.S.B. 1 3.38% $3,067
LOANSNAP, INC. 1 2.75% $2,480
Morgan Stanley Private Bank 1 2.55% $4,732
Mortgage Assurance Inc. 1 2.88% $6,164
MORTGAGE EQUITY PARTNERS LLC 1 3.50% $3,492
Nations Lending Corporation 1 3.13% $4,805
NEXERA HOLDING LLC 1 3.38% $2,820
NP, Inc. 1 2.50% $5,736
ON Q FINANCIAL, INC. 1 3.00% $3,417
PRIMARY RESIDENTIAL MORTGAGE, INC. 1 2.75% $3,285
Prime Choice Funding Inc. 1 3.25% $3,890
RUOFF MORTGAGE COMPANY, INC. 1 2.63% $2,178
SHELTER HOME MORTGAGE, LLC 1 4.38% $4,118
SIRVA MORTGAGE, INC. 1 2.88% $105
SOUTHEAST MORTGAGE OF GEORGIA, INC. 1 3.88% $4,899
SOUTHPOINT FINANCIAL SERVICES, INC. 1 3.25% $4,188
STATE EMPLOYEES' 1 3.25% $6,023
The Central Trust Bank 1 3.13% $3,163
The Federal Savings Bank 1 3.00% $10,633
U.S. Bank 1 2.99% $3,409
VANDERBILT MORTGAGE AND FINANCE, INC. 1 2.88% $3,542
Watermark Capital, Inc. 1 2.88% $2,581
WINGS FINANCIAL 1 2.75% $3,349
A&D Mortgage LLC 1 4.13% $11,570

DALTON, GA's 136 lenders originated 3,930 loans during 2021. The total origination value was $697,480,000, with an average loan value of $177,476.

The top DALTON lender as defined by loan originations is QUICKEN LOANS, LLC, with 134 loans originated. Their average total fees are $4,903, which is $1,454 higher than the next largest lender, FirstBank.

The lowest fee DALTON lenders (with over 10 loans originated) are HOMESTAR FINANCIAL CORPORATION ($2,311), BETTER MORTGAGE CORPORATION ($2,650), Wells Fargo Bank ($2,878), FREEDOM MORTGAGE CORPORATION ($3,136) and MOVEMENT MORTGAGE, LLC ($3,275).

The lowest rate DALTON lenders (with over 10 loans originated) are AMERISAVE MORTGAGE CORPORATION (2.91%), UNITED WHOLESALE MORTGAGE, LLC (2.94%), South State Bank (2.96%), BETTER MORTGAGE CORPORATION (3.03%) and Citizens Bank (3.06%).

DALTON, GA 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
QUICKEN LOANS, LLC $47,350,000 $70,090,000 48.0% 10.0%
Regions Bank $24,050,000 $35,135,000 46.1% 5.0%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $22,580,000 $31,380,000 39.0% 4.5%
FirstBank $23,555,000 $30,575,000 29.8% 4.4%
STOCKTON MORTGAGE CORPORATION $18,065,000 $30,010,000 66.1% 4.3%
Wells Fargo Bank $16,185,000 $25,250,000 56.0% 3.6%
MOVEMENT MORTGAGE, LLC $14,285,000 $23,110,000 61.8% 3.3%
Truist Bank $20,525,000 $23,065,000 12.4% 3.3%
GEORGIA UNITED $24,505,000 $22,240,000 -9.2% 3.2%
HOMESTAR FINANCIAL CORPORATION $17,945,000 $22,105,000 23.2% 3.2%
Arbor Realty Trust, Inc. $2,105,000 $19,605,000 831.4% 2.8%
South State Bank $10,615,000 $18,765,000 76.8% 2.7%
First Bank $15,145,000 $15,510,000 2.4% 2.2%
TJC Mortgage, Inc. $9,655,000 $14,255,000 47.6% 2.0%
FREEDOM MORTGAGE CORPORATION $14,265,000 $14,125,000 -1.0% 2.0%
BROKER SOLUTIONS, INC. $14,975,000 $13,310,000 -11.1% 1.9%
PRIMELENDING, A PLAINSCAPITAL COMPANY $12,360,000 $13,160,000 6.5% 1.9%
PENNYMAC LOAN SERVICES, LLC $3,780,000 $11,075,000 193.0% 1.6%
AMERISAVE MORTGAGE CORPORATION $3,390,000 $10,065,000 196.9% 1.4%
Renasant Bank $3,510,000 $8,980,000 155.8% 1.3%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $9,415,000 $8,950,000 -4.9% 1.3%
CALIBER HOME LOANS, INC. $3,510,000 $8,850,000 152.1% 1.3%
UNITED WHOLESALE MORTGAGE, LLC $3,105,000 $8,735,000 181.3% 1.3%
LOANDEPOT.COM, LLC $5,195,000 $7,765,000 49.5% 1.1%
Mr. Cooper ( Nationstar Mortgage ) $4,955,000 $7,685,000 55.1% 1.1%
Mortgage Research Center, LLC $5,155,000 $6,925,000 34.3% 1.0%
First Horizon Bank $1,790,000 $6,420,000 258.7% 0.9%
Citizens Bank $3,470,000 $6,195,000 78.5% 0.9%
GUILD MORTGAGE COMPANY $5,500,000 $5,880,000 6.9% 0.8%
DAS Acquisition Company, LLC $260,000 $5,380,000 1,969.2% 0.8%
BANKSOUTH MORTGAGE COMPANY, LLC $1,065,000 $5,305,000 398.1% 0.8%
Synovus Bank $5,645,000 $5,215,000 -7.6% 0.7%
HOME POINT FINANCIAL CORPORATION $1,135,000 $5,165,000 355.1% 0.7%
BETTER MORTGAGE CORPORATION $1,870,000 $5,025,000 168.7% 0.7%
VANDERBILT MORTGAGE AND FINANCE, INC. $3,665,000 $4,915,000 34.1% 0.7%
SUCCESS MORTGAGE PARTNERS, INC. $18,030,000 $4,845,000 -73.1% 0.7%
INSPIRE HOME LOANS INC. $1,085,000 $4,815,000 343.8% 0.7%
NEWREZ LLC $2,295,000 $4,685,000 104.1% 0.7%
Bank of America $3,710,000 $4,075,000 9.8% 0.6%
TENNESSEE VALLEY $3,465,000 $4,015,000 15.9% 0.6%
LENDINGONE, LLC $3,795,000 n/a 0.5%
Ameris Bank $5,970,000 $3,105,000 -48.0% 0.4%
SUMMIT FUNDING, INC. $1,595,000 $2,850,000 78.7% 0.4%
Flagstar Bank, FSB $685,000 $2,635,000 284.7% 0.4%
LAKEVIEW LOAN SERVICING, LLC $935,000 $2,480,000 165.2% 0.4%
JPMorgan Chase Bank $1,495,000 $2,435,000 62.9% 0.3%
STEARNS LENDING, LLC $405,000 $2,430,000 500.0% 0.3%
MORTGAGE INVESTORS GROUP, INC. $1,520,000 $2,410,000 58.6% 0.3%
CMG MORTGAGE, INC. $925,000 $2,290,000 147.6% 0.3%
CERTAINTY HOME LOANS, LLC $1,040,000 $2,265,000 117.8% 0.3%
BancorpSouth Bank $1,225,000 $2,170,000 77.1% 0.3%
ISERVE RESIDENTIAL LENDING, LLC $2,220,000 $2,165,000 -2.5% 0.3%
KELLER MORTGAGE, LLC $3,320,000 $2,160,000 -34.9% 0.3%
NEW DAY FINANCIAL, LLC $2,355,000 $2,020,000 -14.2% 0.3%
USAA Federal Savings Bank $2,270,000 $2,015,000 -11.2% 0.3%
United Community Bank $1,755,000 $1,890,000 7.7% 0.3%
Carrington Mortgage Services, LLC $2,065,000 $1,855,000 -10.2% 0.3%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $1,070,000 $1,825,000 70.6% 0.3%
Ally Bank $640,000 $1,815,000 183.6% 0.3%
PANORAMA MORTGAGE GROUP, LLC $2,195,000 $1,770,000 -19.4% 0.3%
CRESCENT MORTGAGE COMPANY $855,000 $1,725,000 101.8% 0.2%
NAVY FEDERAL CREDIT UNION $1,420,000 $1,720,000 21.1% 0.2%
First Option Mortgage, LLC $480,000 $1,625,000 238.5% 0.2%
GUARANTEED RATE, INC. $1,580,000 n/a 0.2%
Prosperity Home Mortgage, LLC $2,220,000 $1,570,000 -29.3% 0.2%
InterContinental Capital Group, Inc $185,000 $1,515,000 718.9% 0.2%
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. $585,000 $1,435,000 145.3% 0.2%
AMERICAN FINANCIAL NETWORK, INC. $915,000 $1,385,000 51.4% 0.2%
SWBC MORTGAGE CORPORATION $1,760,000 $1,335,000 -24.1% 0.2%
Pinnacle Bank $1,045,000 $1,310,000 25.4% 0.2%
21ST MORTGAGE CORPORATION $2,025,000 $1,300,000 -35.8% 0.2%
LEADERONE FINANCIAL CORPORATION $1,280,000 n/a 0.2%
Equity Prime Mortgage LLC $580,000 $1,225,000 111.2% 0.2%
PRIMARY RESIDENTIAL MORTGAGE, INC. $975,000 $1,160,000 19.0% 0.2%
MUTUAL OF OMAHA MORTGAGE, INC. $765,000 $1,155,000 51.0% 0.2%
PROVIDENT FUNDING ASSOCIATES, L.P. $195,000 $1,155,000 492.3% 0.2%
VILLAGE CAPITAL & INVESTMENT LLC $1,330,000 $1,105,000 -16.9% 0.2%
GUARANTEED RATE AFFINITY, LLC $125,000 $1,075,000 760.0% 0.2%
AMERICAN INTERNET MORTGAGE, INC. $1,070,000 n/a 0.2%
The Bank of LaFayette, Georgia $405,000 $1,055,000 160.5% 0.2%
Morgan Stanley Private Bank $1,005,000 n/a 0.1%
ZILLOW HOME LOANS, LLC $840,000 $995,000 18.5% 0.1%
THE MORTGAGE FIRM, INC. $1,870,000 $990,000 -47.1% 0.1%
MILEND, INC. $205,000 $915,000 346.3% 0.1%
Nations Lending Corporation $160,000 $905,000 465.6% 0.1%
Mortgage Assurance Inc. $1,380,000 $875,000 -36.6% 0.1%
FIRST COMMUNITY MORTGAGE, INC. $615,000 $845,000 37.4% 0.1%
NJ LENDERS CORP. $840,000 n/a 0.1%
First Guaranty Mortgage Corporation $625,000 $800,000 28.0% 0.1%
CROSSCOUNTRY MORTGAGE, LLC $665,000 $795,000 19.5% 0.1%
PENTAGON FEDERAL CREDIT UNION $545,000 $770,000 41.3% 0.1%
VAN DYK MORTGAGE CORPORATION $530,000 $765,000 44.3% 0.1%
HOMEBRIDGE FINANCIAL SERVICES, INC. $2,105,000 $725,000 -65.6% 0.1%
SOUTHPOINT FINANCIAL SERVICES, INC. $725,000 n/a 0.1%
First Federal Bank $380,000 $700,000 84.2% 0.1%
AmeriHome Mortgage Company, LLC $800,000 $680,000 -15.0% 0.1%
GENEVA FINANCIAL, LLC $105,000 $680,000 547.6% 0.1%
SIRVA MORTGAGE, INC. $630,000 n/a 0.1%
U.S. Bank $405,000 $630,000 55.6% 0.1%
ACOPIA, LLC $995,000 $620,000 -37.7% 0.1%
Capital City Home Loans, LLC $1,065,000 $615,000 -42.3% 0.1%
Bank of England $725,000 $610,000 -15.9% 0.1%
AMERICAN FINANCING CORPORATION $305,000 $595,000 95.1% 0.1%
NBKC BANK $285,000 $585,000 105.3% 0.1%
Wyndham Capital Mortgage, Inc. $945,000 $585,000 -38.1% 0.1%
Chicago Mortgage Solutions LLC $565,000 n/a 0.1%
DELTA COMMUNITY CREDIT UNION $265,000 $560,000 111.3% 0.1%
Lakeview Community Capital, LLC $560,000 n/a 0.1%
SouthEast Bank $395,000 $545,000 38.0% 0.1%
AgFirst Farm Credit Bank $525,000 n/a 0.1%
First Citizens National Bank $675,000 $510,000 -24.4% 0.1%
MEMBER FIRST MORTGAGE, LLC $765,000 $510,000 -33.3% 0.1%
Colten Mortgage, LLC $175,000 $495,000 182.9% 0.1%
HOMESIDE FINANCIAL, LLC $715,000 $495,000 -30.8% 0.1%
PHH Mortgage Corporation $425,000 $495,000 16.5% 0.1%
SOUTHWEST STAGE FUNDING, LLC $445,000 $485,000 9.0% 0.1%
AMERICAN ADVISORS GROUP $190,000 $480,000 152.6% 0.1%
Discover Bank $475,000 $480,000 1.1% 0.1%
COMMUNITY MORTGAGE CORPORATION $825,000 $470,000 -43.0% 0.1%
EVANSVILLE TEACHERS $470,000 n/a 0.1%
UNIVERSAL MORTGAGE & FINANCE, INC. $450,000 n/a 0.1%
CityWorth Mortgage LLC $440,000 n/a 0.1%
DIRECT LENDERS, LLC $440,000 n/a 0.1%
EAGLE HOME MORTGAGE, LLC $435,000 n/a 0.1%
First Grayson Bancorp Inc. $435,000 n/a 0.1%
NATIONS RELIABLE LENDING, LLC $435,000 n/a 0.1%
Baxter Credit Union $55,000 $430,000 681.8% 0.1%
First Volunteer Bank $1,020,000 $430,000 -57.8% 0.1%
Mid-Continent Funding, Inc. $95,000 $430,000 352.6% 0.1%
SOUTHEAST MORTGAGE OF GEORGIA, INC. $145,000 $430,000 196.6% 0.1%
US MORTGAGE CORPORATION $270,000 $430,000 59.3% 0.1%
Visio Financial Services Inc. $430,000 n/a 0.1%
Northpointe Bank $245,000 $425,000 73.5% 0.1%
ATLANTIC BAY MORTGAGE GROUP, L.L.C. $745,000 $420,000 -43.6% 0.1%
LGE COMMUNITY $185,000 $415,000 124.3% 0.1%
LENDINGHOME FUNDING CORPORATION $410,000 n/a 0.1%
SOFI LENDING CORP. $410,000 n/a 0.1%
GSF Mortgage Corporation $395,000 n/a 0.1%
Republic Bank & Trust Company $395,000 n/a 0.1%
CHURCHILL MORTGAGE CORPORATION $500,000 $380,000 -24.0% 0.1%
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $365,000 n/a 0.1%
WINGS FINANCIAL $355,000 n/a 0.1%
HOMEOWNERS FINANCIAL GROUP USA, LLC $145,000 $350,000 141.4% 0.1%
MORTGAGE SOLUTIONS OF COLORADO, LLC $350,000 n/a 0.1%
Coosa Valley Credit Union $345,000 n/a 0.0%
LENOX FINANCIAL MORTGAGE CORPORATION $75,000 $340,000 353.3% 0.0%
Assurance Financial Group, L.L.C. $325,000 n/a 0.0%
Independent Bank $440,000 $325,000 -26.1% 0.0%
Fifth Third Bank $320,000 n/a 0.0%
TOWNE MORTGAGE COMPANY $320,000 $320,000 0.0% 0.0%
Total Media Management, LLC $300,000 n/a 0.0%
The Federal Savings Bank $195,000 $295,000 51.3% 0.0%
Prime Choice Funding Inc. $285,000 n/a 0.0%
MILLENNIUM BANK $195,000 $265,000 35.9% 0.0%
A&D Mortgage LLC $255,000 n/a 0.0%
Magnolia Bank $255,000 n/a 0.0%
STATE EMPLOYEES' $255,000 n/a 0.0%
AMERICAN FINANCIAL RESOURCES, INC. $355,000 $245,000 -31.0% 0.0%
LOANSNAP, INC. $245,000 n/a 0.0%
ON Q FINANCIAL, INC. $235,000 $245,000 4.3% 0.0%
SECURITYNATIONAL MORTGAGE COMPANY $245,000 n/a 0.0%
SHARONVIEW FEDERAL CREDIT UNION $245,000 n/a 0.0%
MID AMERICA MORTGAGE, INC. $500,000 $240,000 -52.0% 0.0%
Third Federal Savings and Loan Association of Cleveland $145,000 $235,000 62.1% 0.0%
ANGEL OAK HOME LOANS LLC $225,000 n/a 0.0%
ATLANTA POSTAL $275,000 $225,000 -18.2% 0.0%
Elements Financial Federal Credit Union $225,000 n/a 0.0%
ADVANCIAL $215,000 n/a 0.0%
Encompass Lending Group, LP $215,000 n/a 0.0%
NEXERA HOLDING LLC $215,000 n/a 0.0%
Commerce Home Mortgage, Inc. $145,000 $205,000 41.4% 0.0%
Community First National Bank $205,000 n/a 0.0%
KeyBank $205,000 n/a 0.0%
MLD MORTGAGE INC. $205,000 n/a 0.0%
SmartBank $2,215,000 $200,000 -91.0% 0.0%
AMERIFIRST FINANCIAL CORPORATION $195,000 n/a 0.0%
Christensen Financial, Inc. $175,000 $195,000 11.4% 0.0%
HOMESPIRE MORTGAGE CORPORATION $195,000 n/a 0.0%
NP, Inc. $325,000 $195,000 -40.0% 0.0%
Bank OZK $1,790,000 $190,000 -89.4% 0.0%
Bank of Cleveland $1,555,000 $185,000 -88.1% 0.0%
CapStar Bank $165,000 $185,000 12.1% 0.0%
FAY SERVICING, LLC $185,000 n/a 0.0%
Figure Lending LLC $350,000 $185,000 -47.1% 0.0%
MORTGAGE EQUITY PARTNERS LLC $185,000 n/a 0.0%
NexBank $535,000 $185,000 -65.4% 0.0%
Ixonia Bank $180,000 n/a 0.0%
Manufacturers and Traders Trust Company $165,000 $180,000 9.1% 0.0%
1ST SIGNATURE LENDING, LLC $175,000 n/a 0.0%
Liberty Savings Bank, F.S.B. $175,000 n/a 0.0%
ASPIRE FINANCIAL, INC. $165,000 n/a 0.0%
Watermark Capital, Inc. $165,000 n/a 0.0%
Wolfe Financial, Inc $165,000 n/a 0.0%
FIRST TECHNOLOGY $110,000 $155,000 40.9% 0.0%
POLARIS HOME FUNDING CORP. $165,000 $155,000 -6.1% 0.0%
RUOFF MORTGAGE COMPANY, INC. $155,000 n/a 0.0%
T2 FINANCIAL LLC $155,000 n/a 0.0%
Bethpage Federal Credit Union $150,000 n/a 0.0%
AMERICAN PACIFIC MORTGAGE CORPORATION $550,000 $145,000 -73.6% 0.0%
AMWEST FUNDING CORP. $215,000 $145,000 -32.6% 0.0%
BM Real Estate Services, Inc. $145,000 n/a 0.0%
EMM LOANS LLC $145,000 n/a 0.0%
First Reliance Bank $145,000 n/a 0.0%
IMPAC MORTGAGE CORP. $145,000 n/a 0.0%
OCEANSIDE MORTGAGE COMPANY $95,000 $145,000 52.6% 0.0%
Quontic Bank $145,000 n/a 0.0%
RELIANCE FIRST CAPITAL, LLC $125,000 $145,000 16.0% 0.0%
SPRING EQ, LLC $35,000 $145,000 314.3% 0.0%
The Central Trust Bank $145,000 n/a 0.0%
UNITED SECURITY FINANCIAL CORP $380,000 $145,000 -61.8% 0.0%
Barrington Bank & Trust Company, N.A. $140,000 n/a 0.0%
ARC HOME LLC $135,000 $135,000 0.0% 0.0%
CLEARPATH LENDING $665,000 $135,000 -79.7% 0.0%
First National Bank of America $115,000 n/a 0.0%
ALLIANT CREDIT UNION $115,000 $110,000 -4.3% 0.0%
CU COMMUNITY, LLC $145,000 $105,000 -27.6% 0.0%
Arvest Bank $275,000 $95,000 -65.5% 0.0%
PNC Bank $505,000 $90,000 -82.2% 0.0%
FINANCE OF AMERICA REVERSE LLC $85,000 n/a 0.0%
MIDWEST LOAN SOLUTIONS, INC. $85,000 n/a 0.0%
SHELTER HOME MORTGAGE, LLC $430,000 $85,000 -80.2% 0.0%
1st Franklin Financial Corporation $75,000 n/a 0.0%
Reliant Bank $75,000 n/a 0.0%
TIAA, FSB $75,000 n/a 0.0%
Citizens Bank & Trust, Inc. $55,000 n/a 0.0%
United States Senate Federal Credit Union $35,000 n/a 0.0%
ALLEGACY FEDERAL CREDIT UNION $25,000 n/a 0.0%
United Bank $15,000 n/a 0.0%

DALTON's top lender by overall market share is QUICKEN LOANS, LLC, with 10.0% market share. In second place, with 5.0%, is Regions Bank, having originated $35,135,000 in loans. In third place, with 4.5%, is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, having originated $31,380,000 in loans. In third place, with 4.4%, is FirstBank, having originated $30,575,000 in loans. In third place, with 4.3%, is STOCKTON MORTGAGE CORPORATION, having originated $30,010,000 in loans.


DALTON, GA Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 1,673 $334,695,000 $200,057
Refi 1,217 $192,815,000 $158,435
Cash Out Refi 825 $150,525,000 $182,455
Other 139 $13,405,000 $96,439
Home Improvement 76 $6,040,000 $79,474

Dalton's most frequently cited loan purpose was Home Purchase, with 1,673 originations. The 2nd most popular reason was Refi, with 1,217 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
3-4% 1,526 $283,280,000 $185,636
2.5-3% 1,447 $258,465,000 $178,621
<2.5% 620 $108,040,000 $174,258
4-5% 137 $16,365,000 $119,453
Over 8% 30 $2,030,000 $67,667
6-7% 30 $6,800,000 $226,667
5-6% 21 $2,885,000 $137,381
7-8% 6 $600,000 $100,000

During 2021, Dalton's most frequently originated rate bucket was 3-4%, with 1,526 originations.

Loan Sizing (DALTON, GA MSA)

Loan Size Originations Total Value Average Loan
$100k-200k 2,083 $307,415,000 $147,583
$200k-400k 1,013 $262,815,000 $259,442
$100,000 or less 738 $49,460,000 $67,019
$400k-600k 79 $36,895,000 $467,025
$Over $1MM 10 $35,360,000 $3,536,000
$600k-1000k 7 $5,535,000 $790,714

DALTON's loan sizing saw the bucket of loans from $100k-200k with 2,083 originations, totaling $307,415,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 1,636 $318,950,000 $194,957
60-80% 1,207 $239,415,000 $198,355
40-60% 518 $72,810,000 $140,560
20-40% 220 $18,570,000 $84,409
Under 20% 97 $3,035,000 $31,289
Over 100% 46 $10,400,000 $226,087

DALTON's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 1,636 originations, totaling $318,950,000 in origination value.


Market Conditions (Median, Average Prices & Listing Count)

Realtor.com - DALTON (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 $173,750 (4.0%) $250,244 (7.0%) 0.00 395
2018-02-01 $179,700 (6.7%) $251,813 (9.9%) 0.00 396
2018-03-01 $179,900 (7.4%) $256,174 (18.2%) 0.00 396
2018-04-01 $188,650 (8.5%) $267,562 (19.5%) 0.00 394
2018-05-01 $189,950 (8.6%) $269,351 (13.5%) 0.00 360
2018-06-01 $189,900 (7.3%) $263,383 (9.0%) 0.00 383
2018-07-01 $187,000 (-1.1%) $260,061 (4.0%) 0.00 414
2018-08-01 $186,500 (2.3%) $263,608 (7.0%) 0.00 401
2018-09-01 $185,000 (8.8%) $265,114 (9.4%) 0.00 426
2018-10-01 $189,900 (12.4%) $262,154 (10.1%) 0.00 424
2018-11-01 $189,950 (11.8%) $265,209 (10.0%) 0.00 410
2018-12-01 $185,000 (8.8%) $257,525 (6.2%) 0.00 405
2019-01-01 $185,950 (7.0%) $249,917 (-0.1%) 0.00 383
2019-02-01 $184,900 (2.9%) $251,206 (-0.2%) 0.00 368
2019-03-01 $190,800 (6.1%) $253,397 (-1.1%) 0.00 356
2019-04-01 $191,850 (1.7%) $251,271 (-6.1%) 0.00 330
2019-05-01 $195,000 (2.7%) $248,056 (-7.9%) 0.00 337
2019-06-01 $195,000 (2.7%) $256,517 (-2.6%) 0.00 372
2019-07-01 $189,950 (1.6%) $249,013 (-4.3%) 0.00 372
2019-08-01 $194,528 (4.3%) $253,676 (-3.8%) 0.00 378
2019-09-01 $189,900 (2.7%) $249,464 (-5.9%) 0.00 404
2019-10-01 $194,950 (2.7%) $248,822 (-5.1%) 0.00 428
2019-11-01 $189,900 (0.0%) $245,710 (-7.4%) 0.00 414
2019-12-01 $189,950 (2.7%) $244,895 (-4.9%) 0.00 392
2020-01-01 $186,247 (0.2%) $239,763 (-4.1%) 0.00 365
2020-02-01 $199,900 (8.1%) $245,815 (-2.2%) 0.00 370
2020-03-01 $209,450 (9.8%) $249,397 (-1.6%) 0.00 353
2020-04-01 $214,200 (11.7%) $254,029 (1.1%) 0.00 335
2020-05-01 $227,900 (16.9%) $265,989 (7.2%) 0.00 301
2020-06-01 $239,450 (22.8%) $278,433 (8.5%) 0.00 260
2020-07-01 $244,450 (28.7%) $280,072 (12.5%) 0.00 227
2020-08-01 $248,000 (27.5%) $293,652 (15.8%) 0.00 207
2020-09-01 $252,500 (33.0%) $299,547 (20.1%) 0.00 215
2020-10-01 $250,000 (28.2%) $298,905 (20.1%) 0.00 226
2020-11-01 $249,900 (31.6%) $287,872 (17.2%) 0.00 245
2020-12-01 $250,000 (31.6%) $292,309 (19.4%) 0.00 224
2021-01-01 $249,900 (34.2%) $292,927 (22.2%) 0.00 209
2021-02-01 $259,950 (30.0%) $306,519 (24.7%) 0.00 150
2021-03-01 $242,450 (15.8%) $309,082 (23.9%) 0.00 115
2021-04-01 $247,400 (15.5%) $332,326 (30.8%) 0.00 116
2021-05-01 $259,000 (13.7%) $347,568 (30.7%) 0.00 124
2021-06-01 $264,950 (10.7%) $362,989 (30.4%) 0.00 137
2021-07-01 $255,850 (4.7%) $354,958 (26.7%) 0.00 177
2021-08-01 $263,450 (6.2%) $349,185 (18.9%) 0.00 222
2021-09-01 $249,900 (-1.0%) $345,065 (15.2%) 0.00 228
2021-10-01 $265,000 (6.0%) $368,889 (23.4%) 0.00 242
2021-11-01 $252,500 (1.0%) $364,888 (26.8%) 0.00 252
2021-12-01 $249,900 (0.0%) $390,271 (33.5%) 0.00 246
2022-01-01 $243,900 (-2.4%) $399,106 (36.3%) 0.00 220
2022-02-01 $254,950 (-1.9%) $411,475 (34.2%) 0.00 187
2022-03-01 $269,900 (11.3%) $417,216 (35.0%) 0.00 166
2022-04-01 $279,900 (13.1%) $433,117 (30.3%) 0.00 168
DALTON's median listing price for 2022-04-01 was $279,900, a difference of $32,500 (13.1%) versus the prior year and $10,000 versus the prior month.

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

DALTON's average listing price for 2022-04-01 was $433,117, a difference of $100,791 (30.3%) versus the prior year and $15,901 versus the prior month.

For the 2022-04-01 period, DALTON had 168 MLS listings, a difference of 2 listings (1%) versus the prior month and 52 listings (45%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - DALTON (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 0 days 2,132 sqft
2018-02-01 0 days 2,166 sqft
2018-03-01 0 days 2,158 sqft
2018-04-01 0 days 2,276 sqft
2018-05-01 0 days 2,349 sqft
2018-06-01 0 days 2,334 sqft
2018-07-01 0 days 2,201 sqft
2018-08-01 0 days 2,147 sqft
2018-09-01 0 days 2,100 sqft
2018-10-01 0 days 2,134 sqft
2018-11-01 0 days 2,126 sqft
2018-12-01 0 days 2,051 sqft
2019-01-01 0 days 2,126 sqft
2019-02-01 0 days 2,154 sqft
2019-03-01 0 days 2,216 sqft
2019-04-01 0 days 2,244 sqft
2019-05-01 0 days 2,169 sqft
2019-06-01 0 days 2,160 sqft
2019-07-01 0 days 2,105 sqft
2019-08-01 0 days 2,090 sqft
2019-09-01 0 days 2,021 sqft
2019-10-01 0 days 1,983 sqft
2019-11-01 0 days 2,000 sqft
2019-12-01 0 days 2,000 sqft
2020-01-01 0 days 2,002 sqft
2020-02-01 0 days 2,002 sqft
2020-03-01 0 days 2,080 sqft
2020-04-01 0 days 2,128 sqft
2020-05-01 0 days 2,166 sqft
2020-06-01 0 days 2,290 sqft
2020-07-01 0 days 2,354 sqft
2020-08-01 0 days 2,380 sqft
2020-09-01 0 days 2,421 sqft
2020-10-01 0 days 2,314 sqft
2020-11-01 0 days 2,278 sqft
2020-12-01 0 days 2,276 sqft
2021-01-01 0 days 2,120 sqft
2021-02-01 0 days 2,398 sqft
2021-03-01 0 days 2,194 sqft
2021-04-01 0 days 2,043 sqft
2021-05-01 0 days 2,200 sqft
2021-06-01 0 days 2,042 sqft
2021-07-01 0 days 2,068 sqft
2021-08-01 0 days 2,021 sqft
2021-09-01 0 days 1,813 sqft
2021-10-01 0 days 1,884 sqft
2021-11-01 0 days 1,806 sqft
2021-12-01 0 days 1,759 sqft
2022-01-01 0 days 1,748 sqft
2022-02-01 0 days 1,792 sqft
2022-03-01 0 days 1,850 sqft
2022-04-01 0 days 1,930 sqft
DALTON's median listing age (time on market) for 2022-04-01 was 0 days.

DALTON's median square footage for active listings during the 2022-04-01 period was 1,930 sqft. One year prior, the average listing was 2,043 sqft.