GAINESVILLE Mortgage Rates
30yr Fixed Rate
15yr Fixed Rate
FHA
USDA
VA
5/1 ARM
30 Year Fixed Rate mortgages in Gainesville averaged
5.39%
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
5.44% and
one month ago for the week of 2022-04-14, the
average rate was 5.04%.
Gainesville's average rate one year ago was 3.14%.
For refis of the same type during the week of 2022-05-19, the average rate
was 5.21%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2022-05-19 | 5.25% |
| Gainesville 30 Year Fixed Rate | 2022-05-19 | 5.39% |
| Gainesville 30 Year Fixed Rate Refi | 2022-05-19 | 5.21% |
| Gainesville 15 Year Fixed Rate | 2022-05-19 | 4.97% |
| Gainesville 15 Year Fixed Rate Refi | 2022-05-19 | 4.67% |
| Gainesville 30 Year FHA | 2022-05-19 | 5.11% |
| Gainesville 30 Year FHA Refi | 2022-05-19 | 5.26% |
| Gainesville 30 Year USDA | 2022-05-19 | 5.18% |
| Gainesville 30 Year USDA Refi | 2022-05-19 | 5.12% |
| Gainesville 30 Year VA | 2022-05-19 | 5.11% |
| Gainesville 30 Year VA Refi | 2022-05-19 | 4.81% |
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within GAINESVILLE, GA.
GAINESVILLE 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 GAINESVILLE, 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.).
GAINESVILLE, GA's 270 lenders originated 10,250
loans during 2021. The total origination value was $2,831,690,000, with an average loan value of
$276,262.
The top GAINESVILLE lender as defined by loan originations is QUICKEN LOANS, LLC, with
558 loans originated. Their average total fees are
$4,901, which is $1,260
higher than the next largest lender,
HOMESTAR FINANCIAL CORPORATION.
The lowest fee GAINESVILLE lenders (with over 10 loans originated) are
PULTE MORTGAGE LLC ($1,172), Wyndham Capital Mortgage, Inc. ($1,938), FirstBank ($2,457), KELLER MORTGAGE, LLC ($2,529) and EVERETT FINANCIAL, INC. ($2,854).
The lowest rate GAINESVILLE lenders (with over 10 loans originated) are
Bank of America (2.69%), PROVIDENT FUNDING ASSOCIATES, L.P. (2.81%), BETTER MORTGAGE CORPORATION (2.82%), FirstBank (2.83%) and Citizens Bank (2.86%).
GAINESVILLE, 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 | $229,065,000 | $242,055,000 | 5.7% | 8.5% |
| HOMESTAR FINANCIAL CORPORATION | $211,235,000 | $214,900,000 | 1.7% | 7.6% |
| UNITED WHOLESALE MORTGAGE, LLC | $69,870,000 | $113,335,000 | 62.2% | 4.0% |
| Ameris Bank | $103,470,000 | $101,120,000 | -2.3% | 3.6% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $83,680,000 | $86,640,000 | 3.5% | 3.1% |
| United Community Bank | $67,065,000 | $74,825,000 | 11.6% | 2.6% |
| Truist Bank | $73,135,000 | $71,665,000 | -2.0% | 2.5% |
| FREEDOM MORTGAGE CORPORATION | $56,615,000 | $59,225,000 | 4.6% | 2.1% |
| BERKELEY POINT CAPITAL LLC | $59,215,000 | n/a | 2.1% | |
| Regions Bank | $59,050,000 | $57,865,000 | -2.0% | 2.0% |
| PENNYMAC LOAN SERVICES, LLC | $33,990,000 | $57,690,000 | 69.7% | 2.0% |
| DHI MORTGAGE COMPANY, LTD. | $50,100,000 | $57,655,000 | 15.1% | 2.0% |
| Wells Fargo Bank | $48,525,000 | $54,745,000 | 12.8% | 1.9% |
| LOANDEPOT.COM, LLC | $32,935,000 | $54,460,000 | 65.4% | 1.9% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $68,055,000 | $51,825,000 | -23.8% | 1.8% |
| BROKER SOLUTIONS, INC. | $41,945,000 | $46,175,000 | 10.1% | 1.6% |
| INSPIRE HOME LOANS INC. | $29,405,000 | $43,785,000 | 48.9% | 1.5% |
| KeyBank | $595,000 | $37,215,000 | 6,154.6% | 1.3% |
| HOME POINT FINANCIAL CORPORATION | $19,315,000 | $36,765,000 | 90.3% | 1.3% |
| BETTER MORTGAGE CORPORATION | $14,985,000 | $34,490,000 | 130.2% | 1.2% |
| AMERISAVE MORTGAGE CORPORATION | $27,760,000 | $32,990,000 | 18.8% | 1.2% |
| Mr. Cooper ( Nationstar Mortgage ) | $27,120,000 | $32,350,000 | 19.3% | 1.1% |
| Bank of America | $20,320,000 | $28,990,000 | 42.7% | 1.0% |
| NEWREZ LLC | $18,385,000 | $25,045,000 | 36.2% | 0.9% |
| EAGLE HOME MORTGAGE, LLC | $3,780,000 | $24,995,000 | 561.2% | 0.9% |
| SOUTHEAST MORTGAGE OF GEORGIA, INC. | $18,015,000 | $24,690,000 | 37.1% | 0.9% |
| GUARANTEED RATE, INC. | $15,420,000 | $22,450,000 | 45.6% | 0.8% |
| Capital City Home Loans, LLC | $28,555,000 | $21,345,000 | -25.2% | 0.8% |
| MILEND, INC. | $14,210,000 | $19,730,000 | 38.8% | 0.7% |
| GUARANTY HOME MORTGAGE CORPORATION | $8,360,000 | $19,595,000 | 134.4% | 0.7% |
| Synovus Bank | $23,260,000 | $19,095,000 | -17.9% | 0.7% |
| Flagstar Bank, FSB | $18,345,000 | $19,060,000 | 3.9% | 0.7% |
| ACOPIA, LLC | $27,915,000 | $18,290,000 | -34.5% | 0.6% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | $15,795,000 | $18,035,000 | 14.2% | 0.6% |
| Prosperity Home Mortgage, LLC | $23,240,000 | $17,615,000 | -24.2% | 0.6% |
| Mortgage Research Center, LLC | $18,630,000 | $17,025,000 | -8.6% | 0.6% |
| Pinnacle Bank | $420,000 | $16,935,000 | 3,932.1% | 0.6% |
| EVERETT FINANCIAL, INC. | $57,015,000 | $16,450,000 | -71.1% | 0.6% |
| GUARANTY MORTGAGE SERVICES, L.L.C. | $17,520,000 | $16,315,000 | -6.9% | 0.6% |
| South State Bank | $1,820,000 | $15,820,000 | 769.2% | 0.6% |
| STOCKTON MORTGAGE CORPORATION | $12,745,000 | $15,810,000 | 24.0% | 0.6% |
| JPMorgan Chase Bank | $11,530,000 | $15,710,000 | 36.3% | 0.6% |
| First Option Mortgage, LLC | $7,810,000 | $15,105,000 | 93.4% | 0.5% |
| CROSSCOUNTRY MORTGAGE, LLC | $5,815,000 | $14,890,000 | 156.1% | 0.5% |
| PULTE MORTGAGE LLC | $24,235,000 | $14,840,000 | -38.8% | 0.5% |
| CALIBER HOME LOANS, INC. | $18,550,000 | $14,765,000 | -20.4% | 0.5% |
| First Federal Bank | $35,025,000 | $14,575,000 | -58.4% | 0.5% |
| US MORTGAGE CORPORATION | $7,215,000 | $14,040,000 | 94.6% | 0.5% |
| LAKEVIEW LOAN SERVICING, LLC | $10,555,000 | $13,780,000 | 30.6% | 0.5% |
| BANKSOUTH MORTGAGE COMPANY, LLC | $9,810,000 | $13,530,000 | 37.9% | 0.5% |
| Capital One | $13,235,000 | n/a | 0.5% | |
| NORTHMARQ CAPITAL FINANCE, L.L.C. | $12,915,000 | n/a | 0.5% | |
| FIRST COMMUNITY MORTGAGE, INC. | $19,500,000 | $12,860,000 | -34.1% | 0.5% |
| MOVEMENT MORTGAGE, LLC | $8,150,000 | $12,660,000 | 55.3% | 0.4% |
| Renasant Bank | $10,650,000 | $12,600,000 | 18.3% | 0.4% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $10,275,000 | $12,190,000 | 18.6% | 0.4% |
| NAVY FEDERAL CREDIT UNION | $11,740,000 | $11,875,000 | 1.1% | 0.4% |
| Mortgage Assurance Inc. | $13,815,000 | $11,860,000 | -14.2% | 0.4% |
| Cedar Rapids Bank and Trust Company | $11,810,000 | n/a | 0.4% | |
| DELTA COMMUNITY CREDIT UNION | $12,820,000 | $11,625,000 | -9.3% | 0.4% |
| THE MORTGAGE FIRM, INC. | $6,035,000 | $11,445,000 | 89.6% | 0.4% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | $9,580,000 | $11,145,000 | 16.3% | 0.4% |
| Paramount Residential Mortgage Group, Inc. | $6,180,000 | $10,940,000 | 77.0% | 0.4% |
| LENDUS, LLC | $10,210,000 | $10,585,000 | 3.7% | 0.4% |
| SHELTER HOME MORTGAGE, LLC | $10,440,000 | $10,085,000 | -3.4% | 0.4% |
| KELLER MORTGAGE, LLC | $21,450,000 | $9,285,000 | -56.7% | 0.3% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $8,320,000 | $9,105,000 | 9.4% | 0.3% |
| BAY EQUITY LLC | $9,125,000 | $9,070,000 | -0.6% | 0.3% |
| GUARANTEED RATE AFFINITY, LLC | $4,830,000 | $8,940,000 | 85.1% | 0.3% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $10,775,000 | $8,605,000 | -20.1% | 0.3% |
| U.S. Bank | $7,135,000 | $8,140,000 | 14.1% | 0.3% |
| Citizens Bank | $9,320,000 | $8,120,000 | -12.9% | 0.3% |
| Northpointe Bank | $10,465,000 | $8,120,000 | -22.4% | 0.3% |
| Associated Credit Union | $11,130,000 | $7,725,000 | -30.6% | 0.3% |
| First Horizon Bank | $1,505,000 | $7,530,000 | 400.3% | 0.3% |
| AmeriHome Mortgage Company, LLC | $6,705,000 | $7,160,000 | 6.8% | 0.3% |
| Wyndham Capital Mortgage, Inc. | $7,105,000 | $7,005,000 | -1.4% | 0.2% |
| ANGEL OAK HOME LOANS LLC | $10,975,000 | $6,880,000 | -37.3% | 0.2% |
| DAS Acquisition Company, LLC | $7,460,000 | $6,830,000 | -8.4% | 0.2% |
| AMERICAN FINANCIAL NETWORK, INC. | $8,485,000 | $6,675,000 | -21.3% | 0.2% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | $8,005,000 | $6,550,000 | -18.2% | 0.2% |
| MORTGAGE INVESTORS GROUP, INC. | $6,800,000 | $6,495,000 | -4.5% | 0.2% |
| FBC MORTGAGE, LLC | $6,700,000 | $6,375,000 | -4.9% | 0.2% |
| InterContinental Capital Group, Inc | $4,810,000 | $6,155,000 | 28.0% | 0.2% |
| ZILLOW HOME LOANS, LLC | $1,940,000 | $5,930,000 | 205.7% | 0.2% |
| Ally Bank | $2,920,000 | $5,895,000 | 101.9% | 0.2% |
| NBKC BANK | $4,050,000 | $5,740,000 | 41.7% | 0.2% |
| SUCCESS MORTGAGE PARTNERS, INC. | $7,550,000 | $5,685,000 | -24.7% | 0.2% |
| PNC Bank | $19,960,000 | $5,585,000 | -72.0% | 0.2% |
| GEORGIA'S OWN | $6,050,000 | $5,440,000 | -10.1% | 0.2% |
| HOMESIDE FINANCIAL, LLC | $980,000 | $5,350,000 | 445.9% | 0.2% |
| VILLAGE CAPITAL & INVESTMENT LLC | $4,685,000 | $5,160,000 | 10.1% | 0.2% |
| The Federal Savings Bank | $7,700,000 | $5,100,000 | -33.8% | 0.2% |
| CHURCHILL MORTGAGE CORPORATION | $1,740,000 | $4,960,000 | 185.1% | 0.2% |
| Carrington Mortgage Services, LLC | $5,145,000 | $4,845,000 | -5.8% | 0.2% |
| NEW DAY FINANCIAL, LLC | $7,550,000 | $4,755,000 | -37.0% | 0.2% |
| USAA Federal Savings Bank | $10,145,000 | $4,750,000 | -53.2% | 0.2% |
| NexBank | $3,590,000 | $4,700,000 | 30.9% | 0.2% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $6,435,000 | $4,590,000 | -28.7% | 0.2% |
| AMWEST FUNDING CORP. | $2,315,000 | $4,455,000 | 92.4% | 0.2% |
| GUILD MORTGAGE COMPANY | $2,990,000 | $4,440,000 | 48.5% | 0.2% |
| First-Citizens Bank & Trust Company | $3,105,000 | $4,320,000 | 39.1% | 0.2% |
| PENTAGON FEDERAL CREDIT UNION | $2,720,000 | $4,320,000 | 58.8% | 0.2% |
| Morgan Stanley Private Bank | $7,450,000 | $4,205,000 | -43.6% | 0.1% |
| READYCAP COMMERCIAL, LLC | $4,205,000 | n/a | 0.1% | |
| HOMESPIRE MORTGAGE CORPORATION | $155,000 | $4,185,000 | 2,600.0% | 0.1% |
| GEORGIA UNITED | $5,040,000 | $4,105,000 | -18.6% | 0.1% |
| FirstBank | $2,445,000 | $4,040,000 | 65.2% | 0.1% |
| SWBC MORTGAGE CORPORATION | $1,750,000 | $4,015,000 | 129.4% | 0.1% |
| Goldwater Bank, N.A. | $2,355,000 | $3,865,000 | 64.1% | 0.1% |
| HALLCO COMMUNITY CREDIT UNION | $2,310,000 | $3,810,000 | 64.9% | 0.1% |
| Charles Schwab Bank, SSB | $2,440,000 | $3,725,000 | 52.7% | 0.1% |
| STEARNS LENDING, LLC | $6,765,000 | $3,675,000 | -45.7% | 0.1% |
| CMG MORTGAGE, INC. | $1,730,000 | $3,600,000 | 108.1% | 0.1% |
| SOFI LENDING CORP. | $1,005,000 | $3,520,000 | 250.2% | 0.1% |
| Equity Prime Mortgage LLC | $4,225,000 | $3,450,000 | -18.3% | 0.1% |
| Fifth Third Bank | $2,125,000 | $3,415,000 | 60.7% | 0.1% |
| CERTAINTY HOME LOANS, LLC | $4,645,000 | $3,300,000 | -29.0% | 0.1% |
| CREDIT UNION FINANCIAL SERVICES, LLC | $1,875,000 | $3,110,000 | 65.9% | 0.1% |
| TIAA, FSB | $2,115,000 | $2,950,000 | 39.5% | 0.1% |
| Metro City Bank | $2,295,000 | $2,920,000 | 27.2% | 0.1% |
| Luxury Mortgage Corp. | $2,750,000 | n/a | 0.1% | |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $4,225,000 | $2,740,000 | -35.1% | 0.1% |
| ISERVE RESIDENTIAL LENDING, LLC | $3,105,000 | $2,725,000 | -12.2% | 0.1% |
| CRESCENT MORTGAGE COMPANY | $3,000,000 | $2,695,000 | -10.2% | 0.1% |
| CLEARPATH LENDING | $4,285,000 | $2,690,000 | -37.2% | 0.1% |
| Bank of England | $4,695,000 | $2,675,000 | -43.0% | 0.1% |
| The Piedmont Bank | $3,335,000 | $2,635,000 | -21.0% | 0.1% |
| FINANCE OF AMERICA MORTGAGE LLC | $3,355,000 | $2,600,000 | -22.5% | 0.1% |
| Morris Bank | $2,600,000 | n/a | 0.1% | |
| Raymond James Bank | $575,000 | $2,560,000 | 345.2% | 0.1% |
| TJC Mortgage, Inc. | $1,505,000 | $2,460,000 | 63.5% | 0.1% |
| Lakeview Community Capital, LLC | $1,300,000 | $2,435,000 | 87.3% | 0.1% |
| NATIONWIDE MORTGAGE BANKERS, INC. | $1,030,000 | $2,435,000 | 136.4% | 0.1% |
| Nations Lending Corporation | $2,190,000 | $2,340,000 | 6.8% | 0.1% |
| NP, Inc. | $265,000 | $2,315,000 | 773.6% | 0.1% |
| PLANET HOME LENDING, LLC | $4,055,000 | $2,295,000 | -43.4% | 0.1% |
| LEADERONE FINANCIAL CORPORATION | $580,000 | $2,255,000 | 288.8% | 0.1% |
| AMERICAN ADVISORS GROUP | $750,000 | $2,235,000 | 198.0% | 0.1% |
| North American Savings Bank, F.S.B. | $3,925,000 | $2,230,000 | -43.2% | 0.1% |
| Stifel Bank and Trust | $1,075,000 | $2,170,000 | 101.9% | 0.1% |
| Cf Bank | $1,415,000 | $2,150,000 | 51.9% | 0.1% |
| Southern First Bank | $295,000 | $2,150,000 | 628.8% | 0.1% |
| Third Federal Savings and Loan Association of Cleveland | $1,560,000 | $2,150,000 | 37.8% | 0.1% |
| Chicago Mortgage Solutions LLC | $2,135,000 | n/a | 0.1% | |
| CBRE MULTIFAMILY CAPITAL, INC. | $21,670,000 | $2,105,000 | -90.3% | 0.1% |
| Arvest Bank | $2,020,000 | $2,040,000 | 1.0% | 0.1% |
| Magnolia Bank | $4,040,000 | $2,035,000 | -49.6% | 0.1% |
| First Mortgage Solutions, LLC | $2,365,000 | $2,005,000 | -15.2% | 0.1% |
| First Internet Bank of Indiana | $1,995,000 | n/a | 0.1% | |
| Barrington Bank & Trust Company, N.A. | $1,420,000 | $1,960,000 | 38.0% | 0.1% |
| TRIAD FINANCIAL SERVICES, INC. | $1,090,000 | $1,920,000 | 76.1% | 0.1% |
| Assurance Financial Group, L.L.C. | $1,965,000 | $1,905,000 | -3.1% | 0.1% |
| S1L, Inc. | $1,905,000 | n/a | 0.1% | |
| First Heritage Mortgage, LLC | $1,125,000 | $1,885,000 | 67.6% | 0.1% |
| GENEVA FINANCIAL, LLC | $605,000 | $1,865,000 | 208.3% | 0.1% |
| Discover Bank | $1,320,000 | $1,835,000 | 39.0% | 0.1% |
| First American Bank and Trust Company | $1,465,000 | $1,780,000 | 21.5% | 0.1% |
| GMFS LLC | $910,000 | $1,760,000 | 93.4% | 0.1% |
| SECURITYNATIONAL MORTGAGE COMPANY | $1,745,000 | n/a | 0.1% | |
| RADIUS FINANCIAL GROUP INC. | $2,315,000 | $1,740,000 | -24.8% | 0.1% |
| Peoples Bank & Trust | $2,630,000 | $1,730,000 | -34.2% | 0.1% |
| First Guaranty Mortgage Corporation | $2,745,000 | $1,725,000 | -37.2% | 0.1% |
| BNY Mellon | $1,715,000 | n/a | 0.1% | |
| UNION HOME MORTGAGE CORP. | $1,465,000 | $1,715,000 | 17.1% | 0.1% |
| First Home Bank | $395,000 | $1,695,000 | 329.1% | 0.1% |
| Amerifirst Financial, Inc. | $1,930,000 | $1,675,000 | -13.2% | 0.1% |
| NMSI, INC. | $295,000 | $1,615,000 | 447.5% | 0.1% |
| ON Q FINANCIAL, INC. | $4,185,000 | $1,615,000 | -61.4% | 0.1% |
| NATIONS DIRECT MORTGAGE, LLC | $275,000 | $1,610,000 | 485.5% | 0.1% |
| Axos Bank | $205,000 | $1,595,000 | 678.0% | 0.1% |
| Atlantic Union Bank | $1,580,000 | n/a | 0.1% | |
| Cadence Bank, N.A. | $2,310,000 | $1,560,000 | -32.5% | 0.1% |
| Citibank | $635,000 | $1,555,000 | 144.9% | 0.1% |
| LIBERTY HOME MORTGAGE CORPORATION | $825,000 | $1,545,000 | 87.3% | 0.1% |
| Oconee State Bank | $3,120,000 | $1,520,000 | -51.3% | 0.1% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $775,000 | $1,485,000 | 91.6% | 0.1% |
| Colony Bank | $1,375,000 | $1,455,000 | 5.8% | 0.1% |
| Low VA Rates, LLC | $870,000 | $1,455,000 | 67.2% | 0.1% |
| First National Bank of America | $630,000 | $1,395,000 | 121.4% | 0.0% |
| HSBC BANK USA, NATIONAL ASSOCIATION | $255,000 | $1,395,000 | 447.1% | 0.0% |
| 21ST MORTGAGE CORPORATION | $1,375,000 | $1,350,000 | -1.8% | 0.0% |
| The Central Trust Bank | $455,000 | $1,330,000 | 192.3% | 0.0% |
| Alcova Mortgage LLC | $1,905,000 | $1,325,000 | -30.4% | 0.0% |
| PEACH STATE FEDERAL CREDIT UNION | $1,185,000 | $1,235,000 | 4.2% | 0.0% |
| Greenbox Loans, Inc. | $225,000 | $1,225,000 | 444.4% | 0.0% |
| PREMIA MORTGAGE, LLC | $445,000 | $1,215,000 | 173.0% | 0.0% |
| ATLANTA POSTAL | $1,375,000 | $1,180,000 | -14.2% | 0.0% |
| HOMESTEAD FUNDING CORP. | $1,420,000 | $1,170,000 | -17.6% | 0.0% |
| BNC National Bank | $2,105,000 | $1,165,000 | -44.7% | 0.0% |
| AMERICAN FINANCING CORPORATION | $1,160,000 | n/a | 0.0% | |
| LENDINGHOME FUNDING CORPORATION | $1,020,000 | $1,160,000 | 13.7% | 0.0% |
| Prime Choice Funding Inc. | $2,090,000 | $1,150,000 | -45.0% | 0.0% |
| TOWNE MORTGAGE COMPANY | $520,000 | $1,100,000 | 111.5% | 0.0% |
| QUANTUM NATIONAL BANK | $1,180,000 | $1,095,000 | -7.2% | 0.0% |
| QUORUM FEDERAL CREDIT UNION | $1,075,000 | n/a | 0.0% | |
| NJ LENDERS CORP. | $1,045,000 | n/a | 0.0% | |
| AMERICAN NATIONWIDE MORTGAGE COMPANY, INC. | $135,000 | $1,040,000 | 670.4% | 0.0% |
| Northwest Federal Credit Union | $1,035,000 | n/a | 0.0% | |
| EVANSVILLE TEACHERS | $330,000 | $1,005,000 | 204.5% | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | $535,000 | $975,000 | 82.2% | 0.0% |
| Manufacturers and Traders Trust Company | $390,000 | $940,000 | 141.0% | 0.0% |
| EMBRACE HOME LOANS, INC. | $1,695,000 | $930,000 | -45.1% | 0.0% |
| Mid-Continent Funding, Inc. | $155,000 | $905,000 | 483.9% | 0.0% |
| Quontic Bank | $905,000 | n/a | 0.0% | |
| Waterstone Mortgage Corporation | $905,000 | n/a | 0.0% | |
| Century Mortgage Company DBA Century Lending Company | $880,000 | n/a | 0.0% | |
| Ixonia Bank | $875,000 | n/a | 0.0% | |
| Bank OZK | $490,000 | $870,000 | 77.6% | 0.0% |
| BAYSHORE MORTGAGE FUNDING, LLC | $865,000 | n/a | 0.0% | |
| IMPAC MORTGAGE CORP. | $865,000 | n/a | 0.0% | |
| Georgia Community Bank | $850,000 | n/a | 0.0% | |
| UNITED PREMIER FUNDING, LLC | $490,000 | $850,000 | 73.5% | 0.0% |
| SOUTHPOINT FINANCIAL SERVICES, INC. | $2,835,000 | $820,000 | -71.1% | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $185,000 | $805,000 | 335.1% | 0.0% |
| GET A RATE LLC | $805,000 | n/a | 0.0% | |
| Commerce Home Mortgage, Inc. | $845,000 | $790,000 | -6.5% | 0.0% |
| ALLIANT CREDIT UNION | $1,015,000 | $785,000 | -22.7% | 0.0% |
| ARC HOME LLC | $115,000 | $785,000 | 582.6% | 0.0% |
| LENDINGONE, LLC | $785,000 | n/a | 0.0% | |
| LOANFLIGHT LENDING, LLC | $1,135,000 | $780,000 | -31.3% | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | $335,000 | $765,000 | 128.4% | 0.0% |
| PHH Mortgage Corporation | $725,000 | $760,000 | 4.8% | 0.0% |
| EagleBank | $770,000 | $750,000 | -2.6% | 0.0% |
| Figure Lending LLC | $765,000 | $745,000 | -2.6% | 0.0% |
| FLAT BRANCH MORTGAGE, INC. | $865,000 | $740,000 | -14.5% | 0.0% |
| LOANSNAP, INC. | $740,000 | n/a | 0.0% | |
| Opendoor Home Loans LLC | $165,000 | $740,000 | 348.5% | 0.0% |
| ACADEMY MORTGAGE CORPORATION | $960,000 | $735,000 | -23.4% | 0.0% |
| R M K FINANCIAL CORP. | $735,000 | n/a | 0.0% | |
| Pinnacle Bank | $420,000 | $720,000 | 71.4% | 0.0% |
| Plains Commerce Bank | $770,000 | $700,000 | -9.1% | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | $855,000 | $635,000 | -25.7% | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $805,000 | $630,000 | -21.7% | 0.0% |
| The Union Bank Company | $625,000 | n/a | 0.0% | |
| RESOURCE FINANCIAL SERVICES, INC. | $185,000 | $620,000 | 235.1% | 0.0% |
| PrimeSouth Bank | $615,000 | n/a | 0.0% | |
| CIVIC FINANCIAL SERVICES, LLC | $605,000 | n/a | 0.0% | |
| AMERICAN INTERNET MORTGAGE, INC. | $310,000 | $600,000 | 93.5% | 0.0% |
| REVERSE MORTGAGE FUNDING LLC | $875,000 | $590,000 | -32.6% | 0.0% |
| AMERICAN HOME MORTGAGE, INC. | $925,000 | $580,000 | -37.3% | 0.0% |
| Capitol Federal Savings Bank | $595,000 | $575,000 | -3.4% | 0.0% |
| Evolve Bank & Trust | $730,000 | $560,000 | -23.3% | 0.0% |
| Hometown Equity Mortgage, LLC | $300,000 | $560,000 | 86.7% | 0.0% |
| UBS Bank USA | $555,000 | n/a | 0.0% | |
| First Federal Savings Bank | $545,000 | n/a | 0.0% | |
| NBH Bank | $545,000 | n/a | 0.0% | |
| LENDERFI, INC. | $570,000 | $540,000 | -5.3% | 0.0% |
| South Pacific Financial Corporation | $540,000 | n/a | 0.0% | |
| VAN DYK MORTGAGE CORPORATION | $540,000 | n/a | 0.0% | |
| First Financial Bank | $535,000 | n/a | 0.0% | |
| MEMBER FIRST MORTGAGE, LLC | $530,000 | n/a | 0.0% | |
| United Bank | $1,035,000 | $515,000 | -50.2% | 0.0% |
| TOP FLITE FINANCIAL, INC. | $290,000 | $505,000 | 74.1% | 0.0% |
| WNB Financial, N.A. | $505,000 | n/a | 0.0% | |
| CELEBRITY HOME LOANS, LLC | $235,000 | $500,000 | 112.8% | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION | $310,000 | $495,000 | 59.7% | 0.0% |
| The Huntington National Bank | $245,000 | $495,000 | 102.0% | 0.0% |
| TOTAL MORTGAGE SERVICES, LLC | $700,000 | $495,000 | -29.3% | 0.0% |
| UNITED NORTHERN MORTGAGE BANKERS LIMITED | $495,000 | n/a | 0.0% | |
| BankSouth | $490,000 | n/a | 0.0% | |
| Gateway First Bank | $1,820,000 | $490,000 | -73.1% | 0.0% |
| OPEN MORTGAGE, LLC | $365,000 | $490,000 | 34.2% | 0.0% |
| Peoples Bank | $490,000 | n/a | 0.0% | |
| DIRECT LENDERS, LLC | $1,055,000 | $485,000 | -54.0% | 0.0% |
| ITHINK FINANCIAL Credit Union | $1,040,000 | $485,000 | -53.4% | 0.0% |
| INTERLINC MORTGAGE SERVICES, LLC | $1,010,000 | $480,000 | -52.5% | 0.0% |
| UNITED SECURITY FINANCIAL CORP | $165,000 | $480,000 | 190.9% | 0.0% |
| COMPASS MORTGAGE, INC. | $475,000 | n/a | 0.0% | |
| South Atlantic Bank | $465,000 | n/a | 0.0% | |
| ALLIED MORTGAGE GROUP, INC. | $460,000 | n/a | 0.0% | |
| COMMUNITY MORTGAGE CORPORATION | $460,000 | n/a | 0.0% | |
| DRAPER AND KRAMER MORTGAGE CORP. | $115,000 | $455,000 | 295.7% | 0.0% |
| EMM LOANS LLC | $1,020,000 | $450,000 | -55.9% | 0.0% |
| BEST CAPITAL FUNDING | $445,000 | n/a | 0.0% | |
| Holcomb Bank | $445,000 | n/a | 0.0% | |
| Servion, Inc. | $445,000 | n/a | 0.0% | |
| Woori America Bank | $445,000 | n/a | 0.0% | |
| Georgia Banking Company | $70,000 | $435,000 | 521.4% | 0.0% |
| MORTGAGE ACCESS CORP. | $415,000 | n/a | 0.0% | |
| T2 FINANCIAL LLC | $415,000 | n/a | 0.0% | |
| HANCOCK MORTGAGE PARTNERS, LLC | $1,515,000 | $410,000 | -72.9% | 0.0% |
| OAKTREE FUNDING CORP. | $275,000 | $405,000 | 47.3% | 0.0% |
| SANCTUARY HOME MORTGAGE LLC | $405,000 | n/a | 0.0% | |
| LOANPAL, LLC | $375,000 | $400,000 | 6.7% | 0.0% |
| FINANCE OF AMERICA COMMERCIAL LLC | $125,000 | $390,000 | 212.0% | 0.0% |
| COMMUNITYAMERICA | $385,000 | n/a | 0.0% | |
| DELMAR FINANCIAL COMPANY | $1,540,000 | $385,000 | -75.0% | 0.0% |
| LENDSURE MORTGAGE CORP. | $295,000 | $385,000 | 30.5% | 0.0% |
| Colten Mortgage, LLC | $195,000 | $380,000 | 94.9% | 0.0% |
| KS StateBank | $365,000 | $365,000 | 0.0% | 0.0% |
| Mortgage Network, Inc. | $365,000 | n/a | 0.0% | |
| PROPER RATE, LLC | $365,000 | n/a | 0.0% | |
| Republic State Mortgage Co. | $365,000 | n/a | 0.0% | |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $540,000 | $355,000 | -34.3% | 0.0% |
| GEO-CORP, INC. | $1,120,000 | $350,000 | -68.8% | 0.0% |
| East West Bank | $255,000 | $340,000 | 33.3% | 0.0% |
| LOANLEADERS OF AMERICA, INC. | $650,000 | $340,000 | -47.7% | 0.0% |
| MID AMERICA MORTGAGE, INC. | $340,000 | n/a | 0.0% | |
| ADVANCIAL | $335,000 | n/a | 0.0% | |
| ANDREWS FEDERAL CREDIT UNION | $335,000 | n/a | 0.0% | |
| VICTORY MORTGAGE, L.L.C. | $505,000 | $335,000 | -33.7% | 0.0% |
| Emory Alliance Credit Union | $15,000 | $325,000 | 2,066.7% | 0.0% |
| FAMILY SAVINGS | $325,000 | n/a | 0.0% | |
| Triumph Bank | $275,000 | $325,000 | 18.2% | 0.0% |
| RBC Bank, (Georgia) | $495,000 | $315,000 | -36.4% | 0.0% |
| Republic Bank & Trust Company | $315,000 | n/a | 0.0% | |
| The Bank of San Antonio | $315,000 | n/a | 0.0% | |
| Citizens Bank | $9,320,000 | $305,000 | -96.7% | 0.0% |
| Farmers Bank & Trust | $485,000 | $305,000 | -37.1% | 0.0% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | $295,000 | n/a | 0.0% | |
| MEGASTAR FINANCIAL CORP. | $295,000 | n/a | 0.0% | |
| NATIONS RELIABLE LENDING, LLC | $295,000 | n/a | 0.0% | |
| ROUNDPOINT MORTGAGE SERVICING CORPORATION | $910,000 | $295,000 | -67.6% | 0.0% |
| Lend Smart Mortgage, LLC | $285,000 | n/a | 0.0% | |
| V.I.P. MORTGAGE, INC. | $175,000 | $285,000 | 62.9% | 0.0% |
| POWERCO | $280,000 | n/a | 0.0% | |
| Advisors Mortgage Group, L.L.C. | $275,000 | n/a | 0.0% | |
| Bank of the West | $275,000 | n/a | 0.0% | |
| LAND HOME FINANCIAL SERVICES, INC. | $225,000 | $275,000 | 22.2% | 0.0% |
| ROBINS FINANCIAL | $275,000 | n/a | 0.0% | |
| DOMINION FINANCIAL SERVICES, LLC | $270,000 | n/a | 0.0% | |
| Residential Mortgage Solutions, Inc. | $470,000 | $265,000 | -43.6% | 0.0% |
| SOVEREIGN LENDING GROUP INCORPORATED | $265,000 | n/a | 0.0% | |
| AMERICAN FINANCIAL RESOURCES, INC. | $1,170,000 | $260,000 | -77.8% | 0.0% |
| Colonial Savings, F.A. | $255,000 | n/a | 0.0% | |
| UIF CORPORATION | $255,000 | n/a | 0.0% | |
| BancorpSouth Bank | $245,000 | n/a | 0.0% | |
| DATA MORTGAGE, INC. | $245,000 | n/a | 0.0% | |
| HighTechLending Inc | $245,000 | n/a | 0.0% | |
| SHARONVIEW FEDERAL CREDIT UNION | $245,000 | n/a | 0.0% | |
| THE MONEY SOURCE INC. | $245,000 | n/a | 0.0% | |
| CONSTRUCTIVE LOANS, LLC | $235,000 | n/a | 0.0% | |
| Armed Forces Bank | $225,000 | n/a | 0.0% | |
| SIGNATURE MORTGAGE CORPORATION | $355,000 | $225,000 | -36.6% | 0.0% |
| Union Savings Bank | $55,000 | $225,000 | 309.1% | 0.0% |
| Valley National Bank | $225,000 | n/a | 0.0% | |
| CALCON MUTUAL MORTGAGE LLC | $1,510,000 | $205,000 | -86.4% | 0.0% |
| CityWorth Mortgage LLC | $305,000 | $205,000 | -32.8% | 0.0% |
| PANORAMA MORTGAGE GROUP, LLC | $1,820,000 | $205,000 | -88.7% | 0.0% |
| RUOFF MORTGAGE COMPANY, INC. | $570,000 | $200,000 | -64.9% | 0.0% |
| AMERICA'S CHOICE HOME LOANS LP | $1,420,000 | $195,000 | -86.3% | 0.0% |
| CANOPY MORTGAGE, LLC | $195,000 | n/a | 0.0% | |
| ENVOY MORTGAGE, LTD | $195,000 | n/a | 0.0% | |
| SPRING EQ, LLC | $775,000 | $185,000 | -76.1% | 0.0% |
| Town & Country Banc Mortgage Services, Inc. | $185,000 | n/a | 0.0% | |
| VIBE CREDIT UNION | $185,000 | n/a | 0.0% | |
| Western Bank | $185,000 | n/a | 0.0% | |
| Auto Club Trust, FSB | $175,000 | n/a | 0.0% | |
| Encompass Lending Group, LP | $175,000 | n/a | 0.0% | |
| IVY MORTGAGE, INC. | $175,000 | n/a | 0.0% | |
| NORWICH COMMERCIAL GROUP, INC. | $175,000 | n/a | 0.0% | |
| OCEANSIDE MORTGAGE COMPANY | $845,000 | $175,000 | -79.3% | 0.0% |
| SUMMIT FUNDING, INC. | $165,000 | $175,000 | 6.1% | 0.0% |
| GoPrime Mortgage, Inc. | $165,000 | n/a | 0.0% | |
| Great Plains National Bank | $155,000 | $165,000 | 6.5% | 0.0% |
| ALLEGACY FEDERAL CREDIT UNION | $55,000 | $160,000 | 190.9% | 0.0% |
| APCO EMPLOYEES | $125,000 | $155,000 | 24.0% | 0.0% |
| BBVA USA | $155,000 | n/a | 0.0% | |
| JMAC LENDING, INC. | $1,490,000 | $155,000 | -89.6% | 0.0% |
| HOME FUNDING CORPORATION | $145,000 | n/a | 0.0% | |
| JUSTICE Federal Credit Union | $140,000 | n/a | 0.0% | |
| Aurora Financial, LLC | $135,000 | n/a | 0.0% | |
| Bethpage Federal Credit Union | $35,000 | $135,000 | 285.7% | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | $570,000 | $135,000 | -76.3% | 0.0% |
| LGE COMMUNITY | $1,445,000 | $125,000 | -91.3% | 0.0% |
| Watermark Capital, Inc. | $255,000 | $125,000 | -51.0% | 0.0% |
| First Savings Bank | $765,000 | $105,000 | -86.3% | 0.0% |
| Network Funding, L.P. | $640,000 | $105,000 | -83.6% | 0.0% |
| 1ST SIGNATURE LENDING, LLC | $165,000 | $95,000 | -42.4% | 0.0% |
| American Airlines Federal Credit Union | $95,000 | n/a | 0.0% | |
| CDC Federal Credit Union | $885,000 | $95,000 | -89.3% | 0.0% |
| TCF National Bank | $385,000 | $95,000 | -75.3% | 0.0% |
| ROYAL UNITED MORTGAGE LLC | $85,000 | n/a | 0.0% | |
| DIGITAL Federal Credit Union | $1,015,000 | $75,000 | -92.6% | 0.0% |
| NASA Federal Credit Union | $75,000 | n/a | 0.0% | |
| Centier Bank | $65,000 | n/a | 0.0% | |
| CONSUMERS COOPERATIVE CREDIT UNION | $65,000 | n/a | 0.0% | |
| Deere Employees Credit Union | $55,000 | n/a | 0.0% | |
| GENISYS | $55,000 | n/a | 0.0% | |
| Connexus Credit Union | $55,000 | $35,000 | -36.4% | 0.0% |
| 1st Franklin Financial Corporation | $25,000 | n/a | 0.0% |
GAINESVILLE's top lender by overall market share is QUICKEN LOANS, LLC, with 8.5% market share. In second place, with 7.6%, is HOMESTAR FINANCIAL CORPORATION, having originated $214,900,000 in loans. In third place, with 4.0%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $113,335,000 in loans. In third place, with 3.6%, is Ameris Bank, having originated $101,120,000 in loans. In third place, with 3.1%, is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, having originated $86,640,000 in loans.
GAINESVILLE, GA Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 4,364 | $1,447,380,000 | $331,664 |
| Refi | 3,213 | $787,505,000 | $245,100 |
| Cash Out Refi | 2,030 | $513,190,000 | $252,803 |
| Home Improvement | 350 | $37,940,000 | $108,400 |
| Other | 293 | $45,675,000 | $155,887 |
Gainesville's most frequently cited loan purpose was Home Purchase, with 4,364 originations. The 2nd most popular reason was Refi, with 3,213 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 2.5-3% | 4,185 | $1,158,495,000 | $276,821 |
| 3-4% | 3,659 | $1,014,075,000 | $277,145 |
| <2.5% | 1,693 | $441,505,000 | $260,783 |
| 4-5% | 343 | $70,865,000 | $206,603 |
| Over 8% | 162 | $17,030,000 | $105,123 |
| 5-6% | 63 | $7,525,000 | $119,444 |
| 6-7% | 32 | $4,040,000 | $126,250 |
| 7-8% | 25 | $3,035,000 | $121,400 |
During 2021, Gainesville's most frequently originated rate bucket was 2.5-3%, with 4,185 originations.
Loan Sizing (GAINESVILLE, GA MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 5,226 | $1,449,430,000 | $277,350 |
| $100k-200k | 2,869 | $443,835,000 | $154,700 |
| $400k-600k | 1,088 | $519,620,000 | $477,592 |
| $100,000 or less | 820 | $51,550,000 | $62,866 |
| $600k-1000k | 173 | $127,065,000 | $734,480 |
| $Over $1MM | 74 | $240,190,000 | $3,245,811 |
GAINESVILLE's loan sizing saw the bucket of loans from $200k-400k with 5,226 originations, totaling $1,449,430,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 3,534 | $1,052,500,000 | $297,821 |
| 60-80% | 3,504 | $1,100,490,000 | $314,067 |
| 40-60% | 1,566 | $389,580,000 | $248,774 |
| 20-40% | 676 | $109,150,000 | $161,464 |
| Under 20% | 438 | $28,090,000 | $64,132 |
| Over 100% | 86 | $32,910,000 | $382,674 |
GAINESVILLE's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 3,534 originations, totaling $1,052,500,000 in origination value.
