GAINESVILLE Mortgage Rates & Closing Costs
30yr Fixed Rate
15yr Fixed Rate
FHA
USDA
VA
5/1 ARM
30 Year Fixed Rate mortgages in Gainesville averaged
6.93%
for the week of 2026-11-05, compared to the national average of
7.18% for the same period.
The average rate for the prior week (2026-10-29) was
7.19% and
one month ago for the week of 2026-10-01, the
average rate was 7.33%.
Gainesville's average rate one year ago was 6.32%.
For refis of the same type during the week of 2026-11-05, the average rate
was 6.98%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2026-11-05 | 7.18% |
| Gainesville 30 Year Fixed Rate | 2026-11-05 | 6.93% |
| Gainesville 30 Year Fixed Rate Refi | 2026-11-05 | 6.98% |
| Gainesville 15 Year Fixed Rate | 2026-11-05 | 6.47% |
| Gainesville 15 Year Fixed Rate Refi | 2026-11-05 | 6.97% |
| Gainesville 30 Year FHA | 2026-11-05 | 6.52% |
| Gainesville 30 Year FHA Refi | 2026-11-05 | 6.72% |
| Gainesville 30 Year USDA | 2026-11-05 | 7.1% |
| Gainesville 30 Year USDA Refi | 2026-11-05 | 7% |
| Gainesville 30 Year VA | 2026-11-05 | 6.49% |
| Gainesville 30 Year VA Refi | 2026-11-05 | 6.53% |
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 lender, 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 Average Closing Costs & Other Stats
GAINESVILLE, GA's 182 lenders originated 4,859
loans during 2025. The total origination value was $1,661,955,000, with an average loan value of
$342,036.
GAINESVILLE's average closing costs are $6,377.
The top GAINESVILLE lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with
197 loans originated. Their average total fees are
$8,568, which is $1,131
higher than the next largest lender,
QUICKEN LOANS, LLC.
The lowest fee GAINESVILLE lenders (with over 10 loans originated) are
PULTE MORTGAGE LLC ($1,397), DHI MORTGAGE COMPANY, LTD. ($3,071), South Pacific Financial Corporation ($3,615), Wells Fargo Bank ($5,137) and INSPIRE HOME LOANS INC. ($5,194).
The lowest rate GAINESVILLE lenders (with over 10 loans originated) are
DHI MORTGAGE COMPANY, LTD. (4.77%), Associated Credit Union (5.48%), South Pacific Financial Corporation (5.67%), DELTA COMMUNITY CREDIT UNION (5.98%) and VANDERBILT MORTGAGE AND FINANCE, INC. (6.03%).
GAINESVILLE, 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 | 2024 Loan Value | 2025 Loan Value | % Change | 2025 Market Share |
|---|---|---|---|---|
| UNITED WHOLESALE MORTGAGE, LLC | $111,505,000 | $140,450,000 | 26.0% | 8.5% |
| QUICKEN LOANS, LLC | $88,280,000 | $104,730,000 | 18.6% | 6.3% |
| Regions Bank | $25,320,000 | $42,400,000 | 67.5% | 2.6% |
| Ameris Bank | $42,900,000 | $42,065,000 | -1.9% | 2.5% |
| PULTE MORTGAGE LLC | $25,190,000 | $41,855,000 | 66.2% | 2.5% |
| United Community Bank | $34,400,000 | $41,085,000 | 19.4% | 2.5% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $49,065,000 | $37,385,000 | -23.8% | 2.2% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $17,515,000 | $36,835,000 | 110.3% | 2.2% |
| PENNYMAC LOAN SERVICES, LLC | $21,730,000 | $35,025,000 | 61.2% | 2.1% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $51,365,000 | $34,140,000 | -33.5% | 2.1% |
| LOANDEPOT.COM, LLC | $18,455,000 | $33,665,000 | 82.4% | 2.0% |
| Truist | $36,295,000 | $31,505,000 | -13.2% | 1.9% |
| First Carolina Bank | $28,095,000 | n/a | 1.7% | |
| CROSSCOUNTRY MORTGAGE, LLC | $11,265,000 | $27,215,000 | 141.6% | 1.6% |
| The Citizens Bank of Georgia | $285,000 | $24,830,000 | 8,612.3% | 1.5% |
| INSPIRE HOME LOANS INC. | $16,475,000 | $24,300,000 | 47.5% | 1.5% |
| DHI MORTGAGE COMPANY, LTD. | $4,630,000 | $23,155,000 | 400.1% | 1.4% |
| EVERETT FINANCIAL, INC. | $20,970,000 | $21,895,000 | 4.4% | 1.3% |
| United Bank | $195,000 | $21,580,000 | 10,966.7% | 1.3% |
| Wells Fargo Bank | $33,365,000 | $21,500,000 | -35.6% | 1.3% |
| COREVEST AMERICAN FINANCE LENDER LLC | $19,705,000 | n/a | 1.2% | |
| FREEDOM MORTGAGE CORPORATION | $19,545,000 | $19,670,000 | 0.6% | 1.2% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | $16,620,000 | $19,665,000 | 18.3% | 1.2% |
| GREYSTONE SERVICING COMPANY LLC | $50,170,000 | $18,375,000 | -63.4% | 1.1% |
| Bank of America | $14,885,000 | $17,390,000 | 16.8% | 1.0% |
| Arbor Realty Trust, Inc. | $17,135,000 | n/a | 1.0% | |
| Peach State Bank & Trust | $26,585,000 | $16,685,000 | -37.2% | 1.0% |
| NEWREZ LLC | $6,005,000 | $15,395,000 | 156.4% | 0.9% |
| JPMorgan Chase Bank | $8,045,000 | $13,445,000 | 67.1% | 0.8% |
| BROKER SOLUTIONS, INC. | $16,185,000 | $12,890,000 | -20.4% | 0.8% |
| GUARANTEED RATE, INC. | $14,915,000 | $12,705,000 | -14.8% | 0.8% |
| BANKSOUTH MORTGAGE COMPANY, LLC | $16,195,000 | $12,690,000 | -21.6% | 0.8% |
| Pinnacle Bank | $100,000 | $12,105,000 | 12,005.0% | 0.7% |
| NAVY FEDERAL CREDIT UNION | $11,840,000 | $11,630,000 | -1.8% | 0.7% |
| First Option Mortgage, LLC | $15,245,000 | $10,890,000 | -28.6% | 0.7% |
| DELTA COMMUNITY CREDIT UNION | $11,700,000 | $10,765,000 | -8.0% | 0.6% |
| Paramount Residential Mortgage Group, Inc. | $6,615,000 | $10,505,000 | 58.8% | 0.6% |
| Capital City Home Loans, LLC | $10,730,000 | $10,155,000 | -5.4% | 0.6% |
| South Pacific Financial Corporation | $9,940,000 | $9,970,000 | 0.3% | 0.6% |
| Mortgage Research Center, LLC | $12,915,000 | $9,940,000 | -23.0% | 0.6% |
| Prosperity Home Mortgage, LLC | $6,810,000 | $9,710,000 | 42.6% | 0.6% |
| South State Bank | $5,975,000 | $9,625,000 | 61.1% | 0.6% |
| Mr. Cooper ( Nationstar Mortgage ) | $9,625,000 | $9,455,000 | -1.8% | 0.6% |
| GEORGIA'S OWN | $5,650,000 | $9,055,000 | 60.3% | 0.5% |
| SOUTHEAST MORTGAGE OF GEORGIA, INC. | $8,825,000 | $8,890,000 | 0.7% | 0.5% |
| WALKER & DUNLOP, LLC | $8,155,000 | n/a | 0.5% | |
| US MORTGAGE CORPORATION | $2,950,000 | $8,080,000 | 173.9% | 0.5% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $5,180,000 | $7,825,000 | 51.1% | 0.5% |
| Peoples Bank & Trust | $6,950,000 | $7,565,000 | 8.8% | 0.5% |
| GUARANTEED RATE AFFINITY, LLC | $4,515,000 | $7,460,000 | 65.2% | 0.4% |
| AMERICAN FINANCIAL NETWORK, INC. | $2,075,000 | $7,370,000 | 255.2% | 0.4% |
| Century Mortgage Company DBA Century Lending Company | $4,090,000 | $7,230,000 | 76.8% | 0.4% |
| GUARANTY MORTGAGE SERVICES, L.L.C. | $12,095,000 | $6,755,000 | -44.2% | 0.4% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $2,815,000 | $6,715,000 | 138.5% | 0.4% |
| HOMESIDE FINANCIAL, LLC | $3,875,000 | $6,635,000 | 71.2% | 0.4% |
| Associated Credit Union | $3,010,000 | $6,605,000 | 119.4% | 0.4% |
| Renasant Bank | $5,025,000 | $6,425,000 | 27.9% | 0.4% |
| Synovus Bank | $6,065,000 | $6,340,000 | 4.5% | 0.4% |
| ZILLOW HOME LOANS, LLC | $7,265,000 | $6,020,000 | -17.1% | 0.4% |
| AmeriHome Mortgage Company, LLC | $1,970,000 | $5,850,000 | 197.0% | 0.4% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | $2,945,000 | $5,795,000 | 96.8% | 0.3% |
| The Loan Store, Inc. | $7,315,000 | $5,780,000 | -21.0% | 0.3% |
| Fifth Third Bank | $4,060,000 | $5,765,000 | 42.0% | 0.3% |
| GUILD MORTGAGE COMPANY | $4,975,000 | $5,625,000 | 13.1% | 0.3% |
| FIRST COMMUNITY MORTGAGE, INC. | $7,315,000 | $5,510,000 | -24.7% | 0.3% |
| ACOPIA, LLC | $6,390,000 | $5,050,000 | -21.0% | 0.3% |
| GEORGIA UNITED | $2,535,000 | $5,020,000 | 98.0% | 0.3% |
| MOVEMENT MORTGAGE, LLC | $6,055,000 | $5,010,000 | -17.3% | 0.3% |
| EAGLE HOME MORTGAGE, LLC | $4,920,000 | n/a | 0.3% | |
| Georgia Banking Company | $4,865,000 | n/a | 0.3% | |
| AMERISAVE MORTGAGE CORPORATION | $2,915,000 | $4,850,000 | 66.4% | 0.3% |
| AMERICAN HERITAGE LENDING, INC. | $195,000 | $4,760,000 | 2,341.0% | 0.3% |
| Plains Commerce Bank | $2,070,000 | $4,290,000 | 107.2% | 0.3% |
| MILEND, INC. | $3,030,000 | $4,250,000 | 40.3% | 0.3% |
| T2 FINANCIAL LLC | $1,560,000 | $4,170,000 | 167.3% | 0.3% |
| STOCKTON MORTGAGE CORPORATION | $6,935,000 | $4,160,000 | -40.0% | 0.3% |
| BETTER MORTGAGE CORPORATION | $3,480,000 | $4,095,000 | 17.7% | 0.2% |
| CANOPY MORTGAGE, LLC | $1,680,000 | $3,850,000 | 129.2% | 0.2% |
| Morgan Stanley Private Bank | $5,240,000 | $3,840,000 | -26.7% | 0.2% |
| NFM, INC. | $2,540,000 | $3,805,000 | 49.8% | 0.2% |
| Cornerstone First Mortgage, Inc | $3,710,000 | n/a | 0.2% | |
| Figure Lending LLC | $3,295,000 | $3,675,000 | 11.5% | 0.2% |
| Stifel Bank and Trust | $880,000 | $3,645,000 | 314.2% | 0.2% |
| NexBank | $6,910,000 | $3,630,000 | -47.5% | 0.2% |
| First Horizon Bank | $2,965,000 | $3,385,000 | 14.2% | 0.2% |
| AMWEST FUNDING CORP. | $3,905,000 | $3,295,000 | -15.6% | 0.2% |
| SPRING EQ, LLC | $1,615,000 | $3,275,000 | 102.8% | 0.2% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $960,000 | $3,265,000 | 240.1% | 0.2% |
| UNION HOME MORTGAGE CORP. | $4,275,000 | $3,130,000 | -26.8% | 0.2% |
| MORTGAGEONE, INC. | $1,735,000 | $3,120,000 | 79.8% | 0.2% |
| VILLAGE CAPITAL MORTGAGE | $4,125,000 | $3,015,000 | -26.9% | 0.2% |
| DEEPHAVEN MORTGAGE LLC | $835,000 | $3,005,000 | 259.9% | 0.2% |
| First Guaranty Bank | $3,005,000 | n/a | 0.2% | |
| MID AMERICA MORTGAGE, INC. | $1,465,000 | $2,980,000 | 103.4% | 0.2% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $1,300,000 | $2,940,000 | 126.2% | 0.2% |
| PLAZA HOME MORTGAGE, INC. | $2,195,000 | $2,940,000 | 33.9% | 0.2% |
| Presidential Bank, FSB | $4,255,000 | $2,940,000 | -30.9% | 0.2% |
| Bank OZK | $3,160,000 | $2,900,000 | -8.2% | 0.2% |
| HALLCO COMMUNITY CREDIT UNION | $895,000 | $2,865,000 | 220.1% | 0.2% |
| A&D Mortgage LLC | $1,165,000 | $2,855,000 | 145.1% | 0.2% |
| Charles Schwab Bank, SSB | $930,000 | $2,845,000 | 205.9% | 0.2% |
| Equity Prime Mortgage LLC | $3,220,000 | $2,730,000 | -15.2% | 0.2% |
| PNC Bank | $2,980,000 | $2,720,000 | -8.7% | 0.2% |
| SENTE MORTGAGE, INC. | $1,515,000 | $2,690,000 | 77.6% | 0.2% |
| Citadel Servicing Corporation | $865,000 | $2,660,000 | 207.5% | 0.2% |
| First Federal Bank | $4,015,000 | $2,625,000 | -34.6% | 0.2% |
| CMG MORTGAGE, INC. | $2,705,000 | $2,590,000 | -4.3% | 0.2% |
| Magnolia Bank | $2,795,000 | $2,535,000 | -9.3% | 0.2% |
| 21ST MORTGAGE CORPORATION | $1,620,000 | $2,520,000 | 55.6% | 0.2% |
| BAY EQUITY LLC | $1,005,000 | $2,500,000 | 148.8% | 0.2% |
| LAKEVIEW LOAN SERVICING, LLC | $4,950,000 | $2,450,000 | -50.5% | 0.1% |
| JMAC LENDING, INC. | $775,000 | $2,415,000 | 211.6% | 0.1% |
| First National Community Bank | $2,390,000 | n/a | 0.1% | |
| Performance Financial, Inc. | $2,345,000 | n/a | 0.1% | |
| Carrington Mortgage Services, LLC | $2,670,000 | $2,320,000 | -13.1% | 0.1% |
| First Heritage Mortgage, LLC | $2,975,000 | $2,300,000 | -22.7% | 0.1% |
| The Federal Savings Bank | $3,125,000 | $2,290,000 | -26.7% | 0.1% |
| SWBC MORTGAGE CORPORATION | $355,000 | $2,185,000 | 515.5% | 0.1% |
| AMERICAN FINANCIAL RESOURCES, INC. | $245,000 | $2,180,000 | 789.8% | 0.1% |
| U.S. Bank | $3,325,000 | $2,170,000 | -34.7% | 0.1% |
| CREDIT UNION FINANCIAL SERVICES, LLC | $3,350,000 | $2,085,000 | -37.8% | 0.1% |
| SECURITYNATIONAL MORTGAGE COMPANY | $185,000 | $2,015,000 | 989.2% | 0.1% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $1,465,000 | $1,980,000 | 35.2% | 0.1% |
| ISERVE RESIDENTIAL LENDING, LLC | $1,045,000 | $1,925,000 | 84.2% | 0.1% |
| USAA Federal Savings Bank | $2,480,000 | $1,910,000 | -23.0% | 0.1% |
| FBC MORTGAGE, LLC | $505,000 | $1,905,000 | 277.2% | 0.1% |
| DOMINION FINANCIAL SERVICES, LLC | $325,000 | $1,880,000 | 478.5% | 0.1% |
| First-Citizens Bank & Trust Company | $1,455,000 | $1,880,000 | 29.2% | 0.1% |
| Luxury Mortgage Corp. | $1,850,000 | n/a | 0.1% | |
| Flagstar Bank, FSB | $4,370,000 | $1,830,000 | -58.1% | 0.1% |
| BancorpSouth | $3,945,000 | $1,820,000 | -53.9% | 0.1% |
| Bell Bank | $1,820,000 | n/a | 0.1% | |
| Commerce Home Mortgage, Inc. | $305,000 | $1,805,000 | 491.8% | 0.1% |
| OAKTREE FUNDING CORP. | $1,795,000 | n/a | 0.1% | |
| LENOX FINANCIAL MORTGAGE CORPORATION | $1,065,000 | $1,750,000 | 64.3% | 0.1% |
| First National Bank of America | $1,835,000 | $1,735,000 | -5.4% | 0.1% |
| Raymond James Bank | $2,155,000 | $1,605,000 | -25.5% | 0.1% |
| NEW DAY FINANCIAL, LLC | $1,165,000 | $1,560,000 | 33.9% | 0.1% |
| NEXERA HOLDING LLC | $615,000 | $1,545,000 | 151.2% | 0.1% |
| PENTAGON FEDERAL CREDIT UNION | $505,000 | $1,515,000 | 200.0% | 0.1% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $1,565,000 | $1,510,000 | -3.5% | 0.1% |
| Citizens Bank | $840,000 | $1,485,000 | 76.8% | 0.1% |
| Ixonia Bank | $55,000 | $1,475,000 | 2,581.8% | 0.1% |
| Third Federal Savings and Loan Association of Cleveland | $3,175,000 | $1,450,000 | -54.3% | 0.1% |
| NBKC BANK | $2,885,000 | $1,440,000 | -50.1% | 0.1% |
| TOWNE MORTGAGE COMPANY | $750,000 | $1,440,000 | 92.0% | 0.1% |
| LENDINGHOME FUNDING CORPORATION | $2,740,000 | $1,435,000 | -47.6% | 0.1% |
| ENVOY MORTGAGE, LTD | $1,145,000 | $1,430,000 | 24.9% | 0.1% |
| General Mortgage Capital Corporation | $2,660,000 | $1,430,000 | -46.2% | 0.1% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | $2,520,000 | $1,390,000 | -44.8% | 0.1% |
| PLANET HOME LENDING, LLC | $3,265,000 | $1,385,000 | -57.6% | 0.1% |
| Northpointe Bank | $365,000 | $1,380,000 | 278.1% | 0.1% |
| COMMUNITY BANK OF PICKENS COUNTY | $400,000 | $1,365,000 | 241.3% | 0.1% |
| RELIANCE FIRST CAPITAL, LLC | $1,295,000 | $1,345,000 | 3.9% | 0.1% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $1,400,000 | $1,330,000 | -5.0% | 0.1% |
| TOP FLITE FINANCIAL, INC. | $610,000 | $1,330,000 | 118.0% | 0.1% |
| Barrington Bank & Trust Company, N.A. | $940,000 | $1,315,000 | 39.9% | 0.1% |
| First American Bank and Trust Company | $1,315,000 | n/a | 0.1% | |
| SUN WEST MORTGAGE COMPANY, INC. | $460,000 | $1,290,000 | 180.4% | 0.1% |
| United Bank | $195,000 | $1,285,000 | 559.0% | 0.1% |
| Metro City Bank | $1,555,000 | $1,260,000 | -19.0% | 0.1% |
| RADIUS FINANCIAL GROUP INC. | $1,960,000 | $1,240,000 | -36.7% | 0.1% |
| MORTGAGE INVESTORS GROUP, INC. | $1,055,000 | $1,220,000 | 15.6% | 0.1% |
| EVANSVILLE TEACHERS | $575,000 | $1,210,000 | 110.4% | 0.1% |
| The Huntington National Bank | $1,210,000 | $1,205,000 | -0.4% | 0.1% |
| SUCCESS MORTGAGE PARTNERS, INC. | $665,000 | $1,155,000 | 73.7% | 0.1% |
| V.I.P. MORTGAGE, INC. | $405,000 | $1,155,000 | 185.2% | 0.1% |
| HOMEXPRESS MORTGAGE CORP. | $1,130,000 | n/a | 0.1% | |
| ALAMEDA MORTGAGE CORPORATION | $1,115,000 | n/a | 0.1% | |
| GENEVA FINANCIAL, LLC | $1,075,000 | n/a | 0.1% | |
| Mortgage Assurance Inc. | $5,450,000 | $1,045,000 | -80.8% | 0.1% |
| DIGITAL Federal Credit Union | $305,000 | $1,035,000 | 239.3% | 0.1% |
| LAFAYETTE FEDERAL CREDIT UNION | $305,000 | $1,010,000 | 231.1% | 0.1% |
| JET HOMELOANS, LLC | $970,000 | n/a | 0.1% | |
| PHH Mortgage Corporation | $1,230,000 | $950,000 | -22.8% | 0.1% |
| Waterstone Mortgage Corporation | $295,000 | $950,000 | 222.0% | 0.1% |
| FirstBank | $1,075,000 | $935,000 | -13.0% | 0.1% |
| UNITED MORTGAGE CORP | $915,000 | n/a | 0.1% | |
| PANORAMA MORTGAGE GROUP, LLC | $2,435,000 | $865,000 | -64.5% | 0.1% |
| Franklin Loan Corporation | $855,000 | $860,000 | 0.6% | 0.1% |
| MEMBER FIRST MORTGAGE, LLC | $850,000 | n/a | 0.1% | |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $455,000 | $845,000 | 85.7% | 0.1% |
| Hometown Equity Mortgage, LLC | $355,000 | $835,000 | 135.2% | 0.1% |
| SUMMIT FUNDING, INC. | $4,285,000 | $835,000 | -80.5% | 0.1% |
| OCMBC, INC. | $1,295,000 | $820,000 | -36.7% | 0.0% |
| Alcova Mortgage LLC | $775,000 | n/a | 0.0% | |
| FIRST COLONY MORTGAGE CORPORATION | $1,570,000 | $775,000 | -50.6% | 0.0% |
| SHELTER HOME MORTGAGE, LLC | $275,000 | $775,000 | 181.8% | 0.0% |
| VYSTAR | $775,000 | n/a | 0.0% | |
| FINANCE OF AMERICA REVERSE LLC | $580,000 | $770,000 | 32.8% | 0.0% |
| UNITED NORTHERN MORTGAGE BANKERS LIMITED | $765,000 | n/a | 0.0% | |
| Oconee State Bank | $490,000 | $740,000 | 51.0% | 0.0% |
| NEW WAVE LENDING GROUP INC | $690,000 | $725,000 | 5.1% | 0.0% |
| Northwest Federal Credit Union | $720,000 | $720,000 | 0.0% | 0.0% |
| INTELLILOAN, INC. | $710,000 | n/a | 0.0% | |
| ROUNDPOINT MORTGAGE SERVICING CORPORATION | $700,000 | n/a | 0.0% | |
| GARDNER FINANCIAL SERVICES, LTD. | $695,000 | n/a | 0.0% | |
| DELMAR FINANCIAL COMPANY | $690,000 | n/a | 0.0% | |
| Bethpage Federal Credit Union | $1,605,000 | $660,000 | -58.9% | 0.0% |
| LEADERONE FINANCIAL CORPORATION | $660,000 | n/a | 0.0% | |
| THE MORTGAGE FIRM, INC. | $660,000 | n/a | 0.0% | |
| RESIDENTIAL BANCORP | $245,000 | $655,000 | 167.3% | 0.0% |
| University Bank | $740,000 | $650,000 | -12.2% | 0.0% |
| ALLIANT CREDIT UNION | $1,010,000 | $645,000 | -36.1% | 0.0% |
| GMFS LLC | $7,630,000 | $630,000 | -91.7% | 0.0% |
| ROBINS FINANCIAL | $25,000 | $615,000 | 2,360.0% | 0.0% |
| City National Bank of Florida | $645,000 | $610,000 | -5.4% | 0.0% |
| Colony Bank | $920,000 | $610,000 | -33.7% | 0.0% |
| TOTAL MORTGAGE SERVICES, LLC | $495,000 | $610,000 | 23.2% | 0.0% |
| LGE COMMUNITY | $770,000 | $605,000 | -21.4% | 0.0% |
| Dollar Bank, Federal Savings Bank | $965,000 | $600,000 | -37.8% | 0.0% |
| LENDINGONE, LLC | $390,000 | $600,000 | 53.8% | 0.0% |
| Coastal Community Bank | $590,000 | n/a | 0.0% | |
| Discover Bank | $3,525,000 | $590,000 | -83.3% | 0.0% |
| Assurance Financial Group, L.L.C. | $1,485,000 | $580,000 | -60.9% | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | $580,000 | n/a | 0.0% | |
| HOMETRUST MORTGAGE COMPANY | $575,000 | n/a | 0.0% | |
| LOANPAL, LLC | $1,425,000 | $575,000 | -59.6% | 0.0% |
| EASTMAN | $555,000 | n/a | 0.0% | |
| AMERICAN FEDERAL MORTGAGE CORPORATION | $245,000 | $540,000 | 120.4% | 0.0% |
| CDC Federal Credit Union | $210,000 | $535,000 | 154.8% | 0.0% |
| NMSI, INC. | $1,720,000 | $505,000 | -70.6% | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | $980,000 | $495,000 | -49.5% | 0.0% |
| M&T Bank | $405,000 | $495,000 | 22.2% | 0.0% |
| UNIVERSITY CREDIT UNION | $455,000 | n/a | 0.0% | |
| Mid-Continent Funding, Inc. | $435,000 | n/a | 0.0% | |
| INTERNATIONAL CITY MORTGAGE, INC. | $430,000 | n/a | 0.0% | |
| Pinnacle Bank | $100,000 | $430,000 | 330.0% | 0.0% |
| IAA Credit Union | $575,000 | $425,000 | -26.1% | 0.0% |
| Meridian Bank Corporation | $425,000 | n/a | 0.0% | |
| East West Bank | $430,000 | $415,000 | -3.5% | 0.0% |
| UBS Bank USA | $505,000 | $415,000 | -17.8% | 0.0% |
| Armed Forces Bank | $405,000 | n/a | 0.0% | |
| VAN DYK MORTGAGE CORPORATION | $545,000 | $405,000 | -25.7% | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | $350,000 | $400,000 | 14.3% | 0.0% |
| DIRECT LENDERS, LLC | $395,000 | n/a | 0.0% | |
| EMM LOANS LLC | $395,000 | n/a | 0.0% | |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | $475,000 | $395,000 | -16.8% | 0.0% |
| Southwest Airlines Federal Credit Union | $395,000 | n/a | 0.0% | |
| HOMESTEAD FUNDING CORP. | $385,000 | n/a | 0.0% | |
| NATIONS DIRECT MORTGAGE, LLC | $505,000 | $385,000 | -23.8% | 0.0% |
| ROYAL UNITED MORTGAGE LLC | $580,000 | $385,000 | -33.6% | 0.0% |
| THE MORTGAGE LINK, INC. | $750,000 | $385,000 | -48.7% | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | $95,000 | $380,000 | 300.0% | 0.0% |
| FLAT BRANCH MORTGAGE, INC. | $365,000 | $375,000 | 2.7% | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | $605,000 | $375,000 | -38.0% | 0.0% |
| Keystone Funding, Inc. | $365,000 | n/a | 0.0% | |
| CREDIT UNION OF GEORGIA | $880,000 | $355,000 | -59.7% | 0.0% |
| Nations Lending Corporation | $350,000 | n/a | 0.0% | |
| COMMUNITY MORTGAGE CORPORATION | $830,000 | $345,000 | -58.4% | 0.0% |
| ITHINK FINANCIAL Credit Union | $310,000 | $330,000 | 6.5% | 0.0% |
| Kwik Mortgage Corporation | $325,000 | n/a | 0.0% | |
| Loan Simple, Inc. | $235,000 | $325,000 | 38.3% | 0.0% |
| SeaTrust Mortgage Company | $1,435,000 | $315,000 | -78.0% | 0.0% |
| COMMUNITY FIRST CREDIT UNION OF FLO | $305,000 | n/a | 0.0% | |
| FUNDLOANS CAPITAL | $305,000 | n/a | 0.0% | |
| MLD MORTGAGE INC. | $295,000 | n/a | 0.0% | |
| RAIN CITY CAPITAL, LLC | $285,000 | n/a | 0.0% | |
| AMERICAN INTERNET MORTGAGE, INC. | $275,000 | n/a | 0.0% | |
| CARDINAL FINANCIAL | $3,910,000 | $270,000 | -93.1% | 0.0% |
| CITY FIRST MORTGAGE SERVICES, L.L.C. | $2,660,000 | $245,000 | -90.8% | 0.0% |
| SOUTHWEST STAGE FUNDING, LLC | $235,000 | n/a | 0.0% | |
| Hancock Whitney Bank | $215,000 | n/a | 0.0% | |
| UIF CORPORATION | $245,000 | $215,000 | -12.2% | 0.0% |
| BANC ONE MORTGAGE CORPORATION | $205,000 | n/a | 0.0% | |
| Logan Finance Corporation | $205,000 | n/a | 0.0% | |
| RF Renovo Management Company, LLC | $205,000 | n/a | 0.0% | |
| Southern First Bank | $1,340,000 | $205,000 | -84.7% | 0.0% |
| MICHIGAN STATE UNIVERSITY FEDERAL CREDIT UNION | $195,000 | n/a | 0.0% | |
| SANCTUARY HOME MORTGAGE LLC | $625,000 | $195,000 | -68.8% | 0.0% |
| Farmers Bank & Trust | $725,000 | $185,000 | -74.5% | 0.0% |
| RESOURCE FINANCIAL SERVICES, INC. | $185,000 | n/a | 0.0% | |
| VERITAS FUNDING, LLC | $1,130,000 | $185,000 | -83.6% | 0.0% |
| Capital City Bank | $210,000 | $175,000 | -16.7% | 0.0% |
| PURDUE FEDERAL CREDIT UNION | $175,000 | n/a | 0.0% | |
| ATLANTA POSTAL | $470,000 | $160,000 | -66.0% | 0.0% |
| FidelityLending Solutions Inc. dba Wholesale Mortgage Bankers | $950,000 | $155,000 | -83.7% | 0.0% |
| First IC Corporation | $155,000 | n/a | 0.0% | |
| AMERICAN FINANCING CORPORATION | $560,000 | $145,000 | -74.1% | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | $145,000 | n/a | 0.0% | |
| REDWOOD RESIDENTIAL ACQUISITION CORPORATION | $1,205,000 | $105,000 | -91.3% | 0.0% |
| APCO EMPLOYEES | $305,000 | $100,000 | -67.2% | 0.0% |
| PEACH STATE FEDERAL CREDIT UNION | $1,055,000 | $80,000 | -92.4% | 0.0% |
| Citibank | $2,555,000 | $75,000 | -97.1% | 0.0% |
| FAMILY SAVINGS | $75,000 | n/a | 0.0% | |
| Baxter Credit Union | $65,000 | n/a | 0.0% | |
| QUORUM FEDERAL CREDIT UNION | $25,000 | $65,000 | 160.0% | 0.0% |
| Wilmington Savings Fund Society, FSB | $65,000 | n/a | 0.0% | |
| FIRST TECHNOLOGY | $65,000 | $45,000 | -30.8% | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | $1,035,000 | $45,000 | -95.7% | 0.0% |
| APCI Federal Credit Union | $35,000 | n/a | 0.0% |
GAINESVILLE's top lender by overall market share is UNITED WHOLESALE MORTGAGE, LLC, with 8.5% market share. In second place, with 6.3%, is QUICKEN LOANS, LLC, having originated $104,730,000 in loans. In third place, with 2.6%, is Regions Bank, having originated $42,400,000 in loans. In fourth place, with 2.5%, is Ameris Bank, having originated $42,065,000 in loans. In fifth place, with 2.5%, is PULTE MORTGAGE LLC, having originated $41,855,000 in loans.
GAINESVILLE Housing Market Trends (Median, Average Prices & Listing Count)
Realtor.com - GAINESVILLE (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 | $317,450 (5.8%) | $428,513 (1.0%) | 1.18 | 839 |
| 2018-02-01 | $321,323 (3.7%) | $429,058 (-0.7%) | 1.17 | 880 |
| 2018-03-01 | $332,600 (4.2%) | $435,711 (1.7%) | 1.17 | 904 |
| 2018-04-01 | $349,900 (7.7%) | $468,575 (8.9%) | 1.19 | 1,004 |
| 2018-05-01 | $349,800 (6.4%) | $447,638 (3.1%) | 1.17 | 1,056 |
| 2018-06-01 | $351,717 (6.6%) | $461,397 (9.0%) | 1.17 | 1,060 |
| 2018-07-01 | $352,746 (8.5%) | $454,052 (7.7%) | 1.18 | 1,065 |
| 2018-08-01 | $355,450 (9.4%) | $457,503 (8.1%) | 1.19 | 1,058 |
| 2018-09-01 | $351,963 (8.3%) | $452,365 (7.4%) | 1.18 | 1,069 |
| 2018-10-01 | $339,675 (4.4%) | $438,622 (4.2%) | 1.15 | 1,217 |
| 2018-11-01 | $339,950 (7.2%) | $441,191 (5.8%) | 1.15 | 1,172 |
| 2018-12-01 | $337,626 (9.6%) | $432,049 (3.4%) | 1.16 | 1,160 |
| 2019-01-01 | $338,450 (6.6%) | $443,034 (3.4%) | 1.17 | 1,084 |
| 2019-02-01 | $347,953 (8.3%) | $471,391 (9.9%) | 1.18 | 1,055 |
| 2019-03-01 | $328,471 (-1.2%) | $442,117 (1.5%) | 1.07 | 1,206 |
| 2019-04-01 | $299,900 (-14.3%) | $390,673 (-16.6%) | 0.95 | 1,471 |
| 2019-05-01 | $299,900 (-14.3%) | $393,158 (-12.2%) | 0.94 | 1,512 |
| 2019-06-01 | $289,700 (-17.6%) | $394,889 (-14.4%) | 0.91 | 1,544 |
| 2019-07-01 | $286,722 (-18.7%) | $395,220 (-13.0%) | 0.90 | 1,559 |
| 2019-08-01 | $285,366 (-19.7%) | $387,970 (-15.2%) | 0.90 | 1,542 |
| 2019-09-01 | $285,915 (-18.8%) | $379,588 (-16.1%) | 0.92 | 1,482 |
| 2019-10-01 | $305,036 (-10.2%) | $406,419 (-7.3%) | 0.98 | 1,226 |
| 2019-11-01 | $322,500 (-5.1%) | $438,742 (-0.6%) | 1.06 | 1,011 |
| 2019-12-01 | $321,265 (-4.9%) | $440,222 (1.9%) | 1.07 | 969 |
| 2020-01-01 | $318,243 (-6.0%) | $447,270 (1.0%) | 1.06 | 902 |
| 2020-02-01 | $324,000 (-6.9%) | $458,702 (-2.7%) | 1.06 | 881 |
| 2020-03-01 | $341,401 (3.9%) | $470,286 (6.4%) | 1.07 | 939 |
| 2020-04-01 | $342,992 (14.4%) | $473,103 (21.1%) | 1.07 | 975 |
| 2020-05-01 | $350,000 (16.7%) | $487,135 (23.9%) | 1.06 | 916 |
| 2020-06-01 | $353,048 (21.9%) | $492,891 (24.8%) | 1.04 | 794 |
| 2020-07-01 | $352,450 (22.9%) | $499,084 (26.3%) | 1.02 | 746 |
| 2020-08-01 | $365,000 (27.9%) | $512,720 (32.2%) | 1.05 | 660 |
| 2020-09-01 | $369,550 (29.3%) | $540,555 (42.4%) | 1.06 | 589 |
| 2020-10-01 | $362,598 (18.9%) | $521,353 (28.3%) | 1.04 | 571 |
| 2020-11-01 | $363,500 (12.7%) | $540,543 (23.2%) | 1.06 | 508 |
| 2020-12-01 | $363,100 (13.0%) | $549,093 (24.7%) | 1.08 | 457 |
| 2021-01-01 | $369,900 (16.2%) | $572,317 (28.0%) | 1.10 | 372 |
| 2021-02-01 | $398,843 (23.1%) | $611,483 (33.3%) | 1.16 | 281 |
| 2021-03-01 | $385,283 (12.9%) | $616,486 (31.1%) | 1.09 | 282 |
| 2021-04-01 | $409,450 (19.4%) | $671,321 (41.9%) | 1.11 | 267 |
| 2021-05-01 | $444,875 (27.1%) | $671,413 (37.8%) | 1.18 | 277 |
| 2021-06-01 | $420,752 (19.2%) | $693,245 (40.7%) | 1.11 | 319 |
| 2021-07-01 | $420,000 (19.2%) | $708,695 (42.0%) | 1.11 | 397 |
| 2021-08-01 | $418,000 (14.5%) | $659,716 (28.7%) | 1.11 | 428 |
| 2021-09-01 | $426,000 (15.3%) | $626,143 (15.8%) | 1.14 | 413 |
| 2021-10-01 | $449,899 (24.1%) | $628,286 (20.5%) | 1.20 | 405 |
| 2021-11-01 | $469,365 (29.1%) | $637,495 (17.9%) | 1.25 | 401 |
| 2021-12-01 | $461,750 (27.2%) | $644,989 (17.5%) | 1.25 | 354 |
| 2022-01-01 | $459,396 (24.2%) | $631,894 (10.4%) | 1.24 | 292 |
| 2022-02-01 | $459,950 (15.3%) | $614,619 (0.5%) | 1.20 | 303 |
| 2022-03-01 | $487,267 (26.5%) | $621,024 (0.7%) | 1.22 | 315 |
| 2022-04-01 | $496,225 (21.2%) | $664,164 (-1.1%) | 1.18 | 336 |
| 2022-05-01 | $498,190 (12.0%) | $657,022 (-2.1%) | 1.14 | 412 |
| 2022-06-01 | $514,150 (22.2%) | $667,907 (-3.7%) | 1.15 | 501 |
| 2022-07-01 | $501,915 (19.5%) | $653,013 (-7.9%) | 1.13 | 606 |
| 2022-08-01 | $499,450 (19.5%) | $616,679 (-6.5%) | 1.15 | 658 |
| 2022-09-01 | $493,609 (15.9%) | $606,442 (-3.2%) | 1.15 | 684 |
| 2022-10-01 | $484,995 (7.8%) | $586,163 (-6.7%) | 1.14 | 686 |
| 2022-11-01 | $476,645 (1.6%) | $566,613 (-11.1%) | 1.15 | 672 |
| 2022-12-01 | $479,000 (3.7%) | $576,277 (-10.7%) | 1.18 | 605 |
| 2023-01-01 | $478,030 (4.1%) | $576,547 (-8.8%) | 1.18 | 530 |
| 2023-02-01 | $477,000 (3.7%) | $591,366 (-3.8%) | 1.15 | 493 |
| 2023-03-01 | $470,000 (-3.5%) | $596,407 (-4.0%) | 1.11 | 493 |
| 2023-04-01 | $494,288 (-0.4%) | $668,397 (0.6%) | 1.15 | 435 |
| 2023-05-01 | $496,046 (-0.4%) | $694,926 (5.8%) | 1.12 | 438 |
| 2023-06-01 | $496,120 (-3.5%) | $690,934 (3.5%) | 1.11 | 491 |
| 2023-07-01 | $495,250 (-1.3%) | $671,540 (2.8%) | 1.13 | 493 |
| 2023-08-01 | $480,445 (-3.8%) | $674,980 (9.5%) | 1.10 | 534 |
| 2023-09-01 | $475,900 (-3.6%) | $660,590 (8.9%) | 1.11 | 522 |
| 2023-10-01 | $483,870 (-0.2%) | $636,923 (8.7%) | 1.14 | 538 |
| 2023-11-01 | $486,814 (2.1%) | $646,791 (14.2%) | 1.16 | 582 |
| 2023-12-01 | $494,605 (3.3%) | $664,747 (15.4%) | 1.21 | 575 |
| 2024-01-01 | $510,733 (6.8%) | $673,792 (16.9%) | 1.25 | 524 |
| 2024-02-01 | $522,445 (9.5%) | $698,090 (18.1%) | 1.26 | 516 |
| 2024-03-01 | $539,900 (14.9%) | $711,198 (19.3%) | 1.27 | 520 |
| 2024-04-01 | $548,425 (11.0%) | $717,019 (7.3%) | 1.28 | 545 |
| 2024-05-01 | $544,456 (9.8%) | $738,120 (6.2%) | 1.24 | 609 |
| 2024-06-01 | $544,900 (9.8%) | $732,514 (6.0%) | 1.24 | 659 |
| 2024-07-01 | $543,300 (9.7%) | $739,207 (10.1%) | 1.24 | 730 |
| 2024-08-01 | $520,000 (8.2%) | $719,982 (6.7%) | 1.21 | 778 |
| 2024-09-01 | $503,750 (5.9%) | $712,689 (7.9%) | 1.19 | 788 |
| 2024-10-01 | $496,723 (2.7%) | $694,869 (9.1%) | 1.18 | 828 |
| 2024-11-01 | $489,000 (0.5%) | $692,029 (7.0%) | 1.17 | 845 |
| 2024-12-01 | $484,500 (-2.0%) | $698,486 (5.1%) | 1.20 | 806 |
| 2025-01-01 | $490,418 (-4.0%) | $697,418 (3.5%) | 1.22 | 771 |
| 2025-02-01 | $492,450 (-5.7%) | $696,013 (-0.3%) | 1.20 | 809 |
| 2025-03-01 | $492,500 (-8.8%) | $703,771 (-1.0%) | 1.16 | 834 |
| 2025-04-01 | $492,475 (-10.2%) | $703,463 (-1.9%) | 1.14 | 872 |
| 2025-05-01 | $499,900 (-8.2%) | $704,245 (-4.6%) | 1.14 | 885 |
| 2025-06-01 | $495,000 (-9.2%) | $703,562 (-4.0%) | 1.12 | 975 |
| 2025-07-01 | $494,584 (-9.0%) | $694,132 (-6.1%) | 1.13 | 995 |
| 2025-08-01 | $489,433 (-5.9%) | $681,145 (-5.4%) | 1.14 | 1,034 |
| 2025-09-01 | $479,450 (-4.8%) | $669,330 (-6.1%) | 1.13 | 1,083 |
| 2025-10-01 | $481,791 (-3.0%) | $666,044 (-4.2%) | 1.14 | 1,085 |
| 2025-11-01 | $477,400 (-2.4%) | $657,810 (-4.9%) | 1.15 | 1,061 |
| 2025-12-01 | $471,198 (-2.8%) | $657,203 (-5.9%) | 1.18 | 966 |
| 2026-01-01 | $462,787 (-5.6%) | $642,420 (-7.9%) | 1.16 | 930 |
| 2026-02-01 | $473,973 (-3.8%) | $653,619 (-6.1%) | 1.17 | 934 |
| 2026-03-01 | $489,700 (-0.6%) | $659,846 (-6.2%) | 1.18 | 1,014 |
| 2026-04-01 | $494,091 (0.3%) | $669,371 (-4.9%) | 1.16 | 1,094 |
| 2026-05-01 | $496,619 (-0.7%) | $676,144 (-4.0%) | 1.16 | 1,112 |
| 2026-06-01 | $504,975 (2.0%) | $683,210 (-2.9%) | 1.17 | 1,152 |
| 2026-07-01 | $510,000 (3.1%) | $687,872 (-0.9%) | 1.19 | 1,156 |
| 2026-08-01 | $499,000 (2.0%) | $670,473 (-1.6%) | 1.18 | 1,162 |
| 2026-09-01 | $489,900 (2.2%) | $668,304 (-0.2%) | 0.00 | 1,191 |
| 2026-10-01 | $484,612 (0.6%) | $660,937 (-0.8%) | 0.00 | 1,189 |
GAINESVILLE's median listing price for 2026-10-01 was $484,612, a difference of
$2,821
(0.6%) versus the prior year and
$-5,288 versus the prior month.
GAINESVILLE's median listing price comes in at 0% of the national average.
GAINESVILLE's average listing price for 2026-10-01 was $660,937, a difference of $-5,107 (-0.8%) versus the prior year and $-7,367 versus the prior month.
For the 2026-10-01 period, GAINESVILLE had 1,189 MLS listings, a difference of -2 listings (0%) versus the prior month and 104 listings (10%) versus the prior year.
GAINESVILLE's median listing price comes in at 0% of the national average.
GAINESVILLE's average listing price for 2026-10-01 was $660,937, a difference of $-5,107 (-0.8%) versus the prior year and $-7,367 versus the prior month.
For the 2026-10-01 period, GAINESVILLE had 1,189 MLS listings, a difference of -2 listings (0%) versus the prior month and 104 listings (10%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - GAINESVILLE (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 80 days | 2,590 sqft |
| 2018-02-01 | 78 days | 2,633 sqft |
| 2018-03-01 | 60 days | 2,650 sqft |
| 2018-04-01 | 60 days | 2,669 sqft |
| 2018-05-01 | 59 days | 2,690 sqft |
| 2018-06-01 | 71 days | 2,774 sqft |
| 2018-07-01 | 77 days | 2,753 sqft |
| 2018-08-01 | 78 days | 2,790 sqft |
| 2018-09-01 | 71 days | 2,778 sqft |
| 2018-10-01 | 75 days | 2,676 sqft |
| 2018-11-01 | 79 days | 2,662 sqft |
| 2018-12-01 | 85 days | 2,652 sqft |
| 2019-01-01 | 86 days | 2,652 sqft |
| 2019-02-01 | 79 days | 2,708 sqft |
| 2019-03-01 | 76 days | 2,776 sqft |
| 2019-04-01 | 72 days | 2,780 sqft |
| 2019-05-01 | 64 days | 2,793 sqft |
| 2019-06-01 | 65 days | 2,744 sqft |
| 2019-07-01 | 74 days | 2,757 sqft |
| 2019-08-01 | 79 days | 2,765 sqft |
| 2019-09-01 | 79 days | 2,742 sqft |
| 2019-10-01 | 78 days | 2,673 sqft |
| 2019-11-01 | 76 days | 2,600 sqft |
| 2019-12-01 | 79 days | 2,601 sqft |
| 2020-01-01 | 76 days | 2,581 sqft |
| 2020-02-01 | 68 days | 2,580 sqft |
| 2020-03-01 | 56 days | 2,689 sqft |
| 2020-04-01 | 60 days | 2,682 sqft |
| 2020-05-01 | 74 days | 2,685 sqft |
| 2020-06-01 | 82 days | 2,767 sqft |
| 2020-07-01 | 68 days | 2,735 sqft |
| 2020-08-01 | 60 days | 2,760 sqft |
| 2020-09-01 | 59 days | 2,783 sqft |
| 2020-10-01 | 52 days | 2,725 sqft |
| 2020-11-01 | 56 days | 2,666 sqft |
| 2020-12-01 | 65 days | 2,684 sqft |
| 2021-01-01 | 67 days | 2,716 sqft |
| 2021-02-01 | 47 days | 2,727 sqft |
| 2021-03-01 | 38 days | 2,554 sqft |
| 2021-04-01 | 41 days | 2,813 sqft |
| 2021-05-01 | 34 days | 2,823 sqft |
| 2021-06-01 | 33 days | 2,622 sqft |
| 2021-07-01 | 31 days | 2,700 sqft |
| 2021-08-01 | 42 days | 2,623 sqft |
| 2021-09-01 | 48 days | 2,630 sqft |
| 2021-10-01 | 53 days | 2,674 sqft |
| 2021-11-01 | 51 days | 2,680 sqft |
| 2021-12-01 | 58 days | 2,570 sqft |
| 2022-01-01 | 60 days | 2,500 sqft |
| 2022-02-01 | 33 days | 2,434 sqft |
| 2022-03-01 | 36 days | 2,514 sqft |
| 2022-04-01 | 34 days | 2,620 sqft |
| 2022-05-01 | 31 days | 2,562 sqft |
| 2022-06-01 | 29 days | 2,658 sqft |
| 2022-07-01 | 35 days | 2,601 sqft |
| 2022-08-01 | 47 days | 2,543 sqft |
| 2022-09-01 | 51 days | 2,502 sqft |
| 2022-10-01 | 54 days | 2,500 sqft |
| 2022-11-01 | 65 days | 2,499 sqft |
| 2022-12-01 | 77 days | 2,530 sqft |
| 2023-01-01 | 87 days | 2,565 sqft |
| 2023-02-01 | 57 days | 2,478 sqft |
| 2023-03-01 | 45 days | 2,449 sqft |
| 2023-04-01 | 42 days | 2,500 sqft |
| 2023-05-01 | 39 days | 2,526 sqft |
| 2023-06-01 | 37 days | 2,528 sqft |
| 2023-07-01 | 44 days | 2,537 sqft |
| 2023-08-01 | 47 days | 2,515 sqft |
| 2023-09-01 | 50 days | 2,470 sqft |
| 2023-10-01 | 47 days | 2,501 sqft |
| 2023-11-01 | 51 days | 2,495 sqft |
| 2023-12-01 | 58 days | 2,469 sqft |
| 2024-01-01 | 61 days | 2,546 sqft |
| 2024-02-01 | 46 days | 2,563 sqft |
| 2024-03-01 | 46 days | 2,613 sqft |
| 2024-04-01 | 44 days | 2,626 sqft |
| 2024-05-01 | 39 days | 2,653 sqft |
| 2024-06-01 | 45 days | 2,621 sqft |
| 2024-07-01 | 44 days | 2,609 sqft |
| 2024-08-01 | 50 days | 2,552 sqft |
| 2024-09-01 | 54 days | 2,512 sqft |
| 2024-10-01 | 54 days | 2,478 sqft |
| 2024-11-01 | 54 days | 2,438 sqft |
| 2024-12-01 | 64 days | 2,422 sqft |
| 2025-01-01 | 72 days | 2,425 sqft |
| 2025-02-01 | 59 days | 2,499 sqft |
| 2025-03-01 | 50 days | 2,461 sqft |
| 2025-04-01 | 51 days | 2,448 sqft |
| 2025-05-01 | 52 days | 2,551 sqft |
| 2025-06-01 | 55 days | 2,528 sqft |
| 2025-07-01 | 58 days | 2,505 sqft |
| 2025-08-01 | 60 days | 2,403 sqft |
| 2025-09-01 | 60 days | 2,409 sqft |
| 2025-10-01 | 61 days | 2,444 sqft |
| 2025-11-01 | 65 days | 2,428 sqft |
| 2025-12-01 | 74 days | 2,414 sqft |
| 2026-01-01 | 78 days | 2,362 sqft |
| 2026-02-01 | 67 days | 2,352 sqft |
| 2026-03-01 | 53 days | 2,400 sqft |
| 2026-04-01 | 49 days | 2,435 sqft |
| 2026-05-01 | 53 days | 2,483 sqft |
| 2026-06-01 | 60 days | 2,517 sqft |
| 2026-07-01 | 62 days | 2,538 sqft |
| 2026-08-01 | 64 days | 2,500 sqft |
| 2026-09-01 | 0 days | 2,462 sqft |
| 2026-10-01 | 0 days | 2,433 sqft |
GAINESVILLE's median listing age (time on market) for 2026-10-01 was 0 days.
This
is -100%
shorter
than the same period one year ago.
GAINESVILLE's median square footage for active listings during the 2026-10-01 period was 2,433 sqft. One year prior, the average listing was 2,444 sqft.
GAINESVILLE's median square footage for active listings during the 2026-10-01 period was 2,433 sqft. One year prior, the average listing was 2,444 sqft.
GAINESVILLE, GA Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 2,647 | $1,069,345,000 | $403,984 |
| Cash Out Refi | 788 | $213,580,000 | $271,041 |
| Refi | 608 | $279,960,000 | $460,461 |
| Other | 429 | $52,285,000 | $121,876 |
| Home Improvement | 387 | $46,785,000 | $120,891 |
Gainesville's most frequently cited loan purpose was Home Purchase, with 2,647 originations. The 2nd most popular reason was Cash Out Refi, with 788 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 2,089 | $740,815,000 | $354,627 |
| 5-6% | 988 | $420,820,000 | $425,931 |
| Over 8% | 658 | $87,080,000 | $132,340 |
| 7-8% | 654 | $205,790,000 | $314,664 |
| 4-5% | 230 | $71,160,000 | $309,391 |
| 3-4% | 72 | $27,010,000 | $375,139 |
| <2.5% | 33 | $765,000 | $23,182 |
| 2.5-3% | 7 | $2,155,000 | $307,857 |
During 2025, Gainesville's most frequently originated rate bucket was 6-7%, with 2,089 originations.
Loan Sizing (GAINESVILLE, GA MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 2,219 | $670,595,000 | $302,206 |
| $400k-600k | 817 | $389,155,000 | $476,322 |
| $100k-200k | 746 | $105,410,000 | $141,300 |
| $100,000 or less | 740 | $41,190,000 | $55,662 |
| $600k-1000k | 259 | $189,365,000 | $731,139 |
| $Over $1MM | 78 | $266,240,000 | $3,413,333 |
GAINESVILLE's loan sizing saw the bucket of loans from $200k-400k with 2,219 originations, totaling $670,595,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 1,778 | $715,340,000 | $402,328 |
| 60-80% | 1,042 | $455,820,000 | $437,447 |
| Under 20% | 745 | $50,845,000 | $68,248 |
| 20-40% | 598 | $102,510,000 | $171,421 |
| 40-60% | 469 | $169,385,000 | $361,162 |
| Over 100% | 37 | $36,215,000 | $978,784 |
GAINESVILLE's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 1,778 originations, totaling $715,340,000 in origination value.