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
7.25%
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
7.31% and
one month ago for the week of 2026-10-01, the
average rate was 7.55%.
Gainesville's average rate one year ago was 6.14%.
For refis of the same type during the week of 2026-11-05, the average rate
was 7.68%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2026-11-05 | 7.18% |
| Gainesville 30 Year Fixed Rate | 2026-11-05 | 7.25% |
| Gainesville 30 Year Fixed Rate Refi | 2026-11-05 | 7.68% |
| Gainesville 15 Year Fixed Rate | 2026-11-05 | 6.77% |
| Gainesville 15 Year Fixed Rate Refi | 2026-11-05 | 6.67% |
| Gainesville 30 Year FHA | 2026-11-05 | 6.4% |
| Gainesville 30 Year FHA Refi | 2026-11-05 | 6.83% |
| Gainesville 30 Year USDA | 2026-11-05 | 7.2% |
| Gainesville 30 Year USDA Refi | 2026-11-05 | 7.1% |
| Gainesville 30 Year VA | 2026-11-05 | 6.56% |
| Gainesville 30 Year VA Refi | 2026-11-05 | 6.66% |
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Gainesville, TX.
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, TX 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, TX's 93 lenders originated 837
loans during 2025. The total origination value was $271,105,000, with an average loan value of
$323,901.
Gainesville's average closing costs are $7,100.
The top Gainesville lender as defined by loan originations is American National Bank & Trust, with
52 loans originated. Their average total fees are
$6,279, which is $1,013
lower than the next largest lender,
First United Bank and Trust Company.
The lowest fee Gainesville lenders (with over 10 loans originated) are
American National Bank & Trust ($6,279), First State Bank ($6,558), GUILD MORTGAGE COMPANY ($6,570), First United Bank and Trust Company ($7,292) and QUICKEN LOANS, LLC ($8,830).
The lowest rate Gainesville lenders (with over 10 loans originated) are
First State Bank (6.42%), UNITED WHOLESALE MORTGAGE, LLC (6.44%), GUILD MORTGAGE COMPANY (6.58%), First United Bank and Trust Company (6.66%) and QUICKEN LOANS, LLC (6.75%).
Gainesville, TX 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 |
|---|---|---|---|---|
| American National Bank & Trust | $22,200,000 | $31,270,000 | 40.9% | 11.5% |
| First United Bank and Trust Company | $12,440,000 | $18,925,000 | 52.1% | 7.0% |
| UNITED WHOLESALE MORTGAGE, LLC | $14,615,000 | $17,635,000 | 20.7% | 6.5% |
| First State Bank | $21,085,000 | $16,640,000 | -21.1% | 6.1% |
| QUICKEN LOANS, LLC | $7,610,000 | $12,630,000 | 66.0% | 4.7% |
| GUILD MORTGAGE COMPANY | $11,605,000 | $9,485,000 | -18.3% | 3.5% |
| DHI MORTGAGE COMPANY, LTD. | $2,600,000 | $7,905,000 | 204.0% | 2.9% |
| Prosperity Bank | $4,045,000 | $7,430,000 | 83.7% | 2.7% |
| SFMC, LP | $440,000 | $5,935,000 | 1,248.9% | 2.2% |
| PENNYMAC LOAN SERVICES, LLC | $2,120,000 | $5,505,000 | 159.7% | 2.0% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | $6,300,000 | $4,980,000 | -21.0% | 1.8% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $2,430,000 | $4,740,000 | 95.1% | 1.7% |
| CROSSCOUNTRY MORTGAGE, LLC | $5,215,000 | $4,160,000 | -20.2% | 1.5% |
| NEWREZ LLC | $1,140,000 | $3,730,000 | 227.2% | 1.4% |
| First Bank | $1,900,000 | $3,550,000 | 86.8% | 1.3% |
| BOKF | $65,000 | $3,245,000 | 4,892.3% | 1.2% |
| 21ST MORTGAGE CORPORATION | $4,530,000 | $3,115,000 | -31.2% | 1.1% |
| PLANET HOME LENDING, LLC | $2,910,000 | $3,020,000 | 3.8% | 1.1% |
| JPMorgan Chase Bank | $1,595,000 | $2,955,000 | 85.3% | 1.1% |
| South State Bank | $2,750,000 | n/a | 1.0% | |
| Raymond James Bank | $2,540,000 | n/a | 0.9% | |
| Mortgage Research Center, LLC | $1,775,000 | $2,380,000 | 34.1% | 0.9% |
| BROKER SOLUTIONS, INC. | $935,000 | $2,315,000 | 147.6% | 0.9% |
| Texas Regional Bank | $2,235,000 | n/a | 0.8% | |
| GUARANTEED RATE, INC. | $3,715,000 | $2,120,000 | -42.9% | 0.8% |
| CANOPY MORTGAGE, LLC | $805,000 | $1,980,000 | 146.0% | 0.7% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $1,715,000 | $1,930,000 | 12.5% | 0.7% |
| Bank of America | $595,000 | $1,900,000 | 219.3% | 0.7% |
| Farm Credit Mid-America, ACA | $1,060,000 | $1,895,000 | 78.8% | 0.7% |
| UBS Bank USA | $1,805,000 | n/a | 0.7% | |
| Plains Commerce Bank | $1,335,000 | $1,790,000 | 34.1% | 0.7% |
| Nascoga Federal Credit Union | $4,355,000 | $1,595,000 | -63.4% | 0.6% |
| NexBank | $3,135,000 | $1,545,000 | -50.7% | 0.6% |
| CMG MORTGAGE, INC. | $1,145,000 | $1,530,000 | 33.6% | 0.6% |
| First Federal Bank | $1,525,000 | n/a | 0.6% | |
| BancorpSouth | $550,000 | $1,520,000 | 176.4% | 0.6% |
| DEEPHAVEN MORTGAGE LLC | $1,500,000 | n/a | 0.6% | |
| RANDOLPH-BROOKS | $205,000 | $1,395,000 | 580.5% | 0.5% |
| PointBank | $730,000 | $1,350,000 | 84.9% | 0.5% |
| FREEDOM MORTGAGE CORPORATION | $1,815,000 | $1,275,000 | -29.8% | 0.5% |
| SECURITYNATIONAL MORTGAGE COMPANY | $810,000 | $1,240,000 | 53.1% | 0.5% |
| DATCU | $1,575,000 | $1,220,000 | -22.5% | 0.5% |
| Frost Bank | $1,120,000 | $1,185,000 | 5.8% | 0.4% |
| Legend Bank, N.A. | $2,110,000 | $1,145,000 | -45.7% | 0.4% |
| MORTGAGE FINANCIAL SERVICES, LLC | $1,420,000 | $1,145,000 | -19.4% | 0.4% |
| NFM, INC. | $1,245,000 | $1,130,000 | -9.2% | 0.4% |
| USAA Federal Savings Bank | $305,000 | $1,120,000 | 267.2% | 0.4% |
| AMERICAN FINANCIAL RESOURCES, INC. | $1,115,000 | n/a | 0.4% | |
| b1BANK | $1,085,000 | n/a | 0.4% | |
| Mr. Cooper ( Nationstar Mortgage ) | $1,740,000 | $1,085,000 | -37.6% | 0.4% |
| LOANDEPOT.COM, LLC | $610,000 | $1,070,000 | 75.4% | 0.4% |
| CARDINAL FINANCIAL | $565,000 | $1,055,000 | 86.7% | 0.4% |
| EVERETT FINANCIAL, INC. | $2,015,000 | $1,055,000 | -47.6% | 0.4% |
| LAKEVIEW LOAN SERVICING, LLC | $1,045,000 | n/a | 0.4% | |
| BETTER MORTGAGE CORPORATION | $1,040,000 | n/a | 0.4% | |
| THE MORTGAGE LINK, INC. | $2,665,000 | $1,020,000 | -61.7% | 0.4% |
| HOMESIDE FINANCIAL, LLC | $850,000 | $965,000 | 13.5% | 0.4% |
| Community National Bank & Trust of Texas | $960,000 | n/a | 0.4% | |
| TOWNE MORTGAGE COMPANY | $905,000 | n/a | 0.3% | |
| Texas Republic Bank | $880,000 | n/a | 0.3% | |
| Simmons Bank | $500,000 | $865,000 | 73.0% | 0.3% |
| LENOX FINANCIAL MORTGAGE CORPORATION | $860,000 | n/a | 0.3% | |
| PlainsCapital Bank | $545,000 | $825,000 | 51.4% | 0.3% |
| RADIUS FINANCIAL GROUP INC. | $765,000 | n/a | 0.3% | |
| Ciera Bank | $1,045,000 | $755,000 | -27.8% | 0.3% |
| SOUTHWEST STAGE FUNDING, LLC | $815,000 | $740,000 | -9.2% | 0.3% |
| BELEM SERVICING LLC | $735,000 | n/a | 0.3% | |
| UNITED BUILT HOMES, L.L.C. | $335,000 | $730,000 | 117.9% | 0.3% |
| Veritex Community Bank | $505,000 | $730,000 | 44.6% | 0.3% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $2,185,000 | $720,000 | -67.0% | 0.3% |
| PHH Mortgage Corporation | $330,000 | $650,000 | 97.0% | 0.2% |
| SeaTrust Mortgage Company | $630,000 | n/a | 0.2% | |
| LEADERONE FINANCIAL CORPORATION | $355,000 | $625,000 | 76.1% | 0.2% |
| Sierra Pacific Mortgage Company, Inc. | $2,035,000 | $615,000 | -69.8% | 0.2% |
| Magnolia Bank | $610,000 | n/a | 0.2% | |
| JMJ FINANCIAL GROUP | $605,000 | n/a | 0.2% | |
| MID AMERICA MORTGAGE, INC. | $210,000 | $605,000 | 188.1% | 0.2% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $385,000 | $570,000 | 48.1% | 0.2% |
| TRIAD FINANCIAL SERVICES, INC. | $895,000 | $570,000 | -36.3% | 0.2% |
| Credit Union of Texas | $180,000 | $565,000 | 213.9% | 0.2% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | $555,000 | n/a | 0.2% | |
| Waterstone Mortgage Corporation | $545,000 | n/a | 0.2% | |
| AMERISAVE MORTGAGE CORPORATION | $205,000 | $540,000 | 163.4% | 0.2% |
| UNION HOME MORTGAGE CORP. | $155,000 | $530,000 | 241.9% | 0.2% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $525,000 | n/a | 0.2% | |
| FLAT BRANCH MORTGAGE, INC. | $640,000 | $525,000 | -18.0% | 0.2% |
| HOMEXPRESS MORTGAGE CORP. | $135,000 | $525,000 | 288.9% | 0.2% |
| UMB Bank | $525,000 | n/a | 0.2% | |
| Paramount Residential Mortgage Group, Inc. | $1,680,000 | $515,000 | -69.3% | 0.2% |
| CHURCHILL MORTGAGE CORPORATION | $685,000 | $510,000 | -25.5% | 0.2% |
| LENDINGHOME FUNDING CORPORATION | $450,000 | $505,000 | 12.2% | 0.2% |
| Flagstar Bank, FSB | $1,590,000 | $500,000 | -68.6% | 0.2% |
| Network Funding, L.P. | $325,000 | $490,000 | 50.8% | 0.2% |
| Century Mortgage Company DBA Century Lending Company | $185,000 | $485,000 | 162.2% | 0.2% |
| Prosperity Home Mortgage, LLC | $690,000 | $485,000 | -29.7% | 0.2% |
| First Financial Bank | $250,000 | $480,000 | 92.0% | 0.2% |
| UNITED MORTGAGE CORP | $465,000 | n/a | 0.2% | |
| PNC Bank | $665,000 | $460,000 | -30.8% | 0.2% |
| S1L, Inc. | $525,000 | $435,000 | -17.1% | 0.2% |
| AMERICAN PORTFOLIO MORTGAGE CORPORATION | $470,000 | $425,000 | -9.6% | 0.2% |
| MEMBER FIRST MORTGAGE, LLC | $425,000 | n/a | 0.2% | |
| The Loan Store, Inc. | $105,000 | $425,000 | 304.8% | 0.2% |
| CORNERSTONE HOME LENDING, INC. | $355,000 | $415,000 | 16.9% | 0.2% |
| CALCON MUTUAL MORTGAGE LLC | $405,000 | n/a | 0.1% | |
| FIRST COMMUNITY MORTGAGE, INC. | $395,000 | $405,000 | 2.5% | 0.1% |
| Greenbox Loans, Inc. | $405,000 | n/a | 0.1% | |
| Nations Lending Corporation | $405,000 | n/a | 0.1% | |
| The Jacksboro National Bank | $385,000 | n/a | 0.1% | |
| Gateway First Bank | $675,000 | $380,000 | -43.7% | 0.1% |
| MOVEMENT MORTGAGE, LLC | $920,000 | $375,000 | -59.2% | 0.1% |
| TEXAS TECH | $375,000 | n/a | 0.1% | |
| Southern Bank | $370,000 | n/a | 0.1% | |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $135,000 | $370,000 | 174.1% | 0.1% |
| AmeriHome Mortgage Company, LLC | $785,000 | $365,000 | -53.5% | 0.1% |
| Commerce Home Mortgage, Inc. | $365,000 | n/a | 0.1% | |
| The Federal Savings Bank | $365,000 | n/a | 0.1% | |
| American Airlines Federal Credit Union | $355,000 | n/a | 0.1% | |
| First Option Mortgage, LLC | $535,000 | $350,000 | -34.6% | 0.1% |
| Texana Bank | $325,000 | n/a | 0.1% | |
| Wells Fargo Bank | $1,230,000 | $320,000 | -74.0% | 0.1% |
| LENDSURE MORTGAGE CORP. | $315,000 | n/a | 0.1% | |
| ALAMEDA MORTGAGE CORPORATION | $305,000 | $305,000 | 0.0% | 0.1% |
| Equity Prime Mortgage LLC | $470,000 | $305,000 | -35.1% | 0.1% |
| First State Bank Nebraska | $305,000 | n/a | 0.1% | |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $295,000 | $305,000 | 3.4% | 0.1% |
| A&D Mortgage LLC | $365,000 | $295,000 | -19.2% | 0.1% |
| Alcova Mortgage LLC | $275,000 | $285,000 | 3.6% | 0.1% |
| Alliance Credit Union | $285,000 | n/a | 0.1% | |
| FINANCE OF AMERICA REVERSE LLC | $275,000 | n/a | 0.1% | |
| PLAZA HOME MORTGAGE, INC. | $325,000 | $275,000 | -15.4% | 0.1% |
| The American National Bank of Texas | $275,000 | n/a | 0.1% | |
| Carrington Mortgage Services, LLC | $480,000 | $270,000 | -43.8% | 0.1% |
| INTEGRITY MORTGAGE CORPORATION OF TEXAS | $275,000 | $255,000 | -7.3% | 0.1% |
| INTOUCH CREDIT UNION | $255,000 | n/a | 0.1% | |
| VILLAGE CAPITAL MORTGAGE | $395,000 | $255,000 | -35.4% | 0.1% |
| SOUTHWEST FUNDING, LP | $245,000 | n/a | 0.1% | |
| NBH Bank | $235,000 | n/a | 0.1% | |
| Loan Simple, Inc. | $225,000 | $225,000 | 0.0% | 0.1% |
| NEW DAY FINANCIAL, LLC | $225,000 | n/a | 0.1% | |
| Ameris Bank | $205,000 | n/a | 0.1% | |
| Citizens State Bank | $215,000 | $205,000 | -4.7% | 0.1% |
| NMSI, INC. | $205,000 | n/a | 0.1% | |
| Hometown Equity Mortgage, LLC | $195,000 | n/a | 0.1% | |
| AMERICAN FINANCING CORPORATION | $545,000 | $175,000 | -67.9% | 0.1% |
| ROYAL UNITED MORTGAGE LLC | $65,000 | $170,000 | 161.5% | 0.1% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $165,000 | n/a | 0.1% | |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $155,000 | n/a | 0.1% | |
| Guaranty Bank & Trust, N.A. | $760,000 | $155,000 | -79.6% | 0.1% |
| LENDINGONE, LLC | $155,000 | n/a | 0.1% | |
| PIKE CREEK MORTGAGE SERVICES, INC. | $155,000 | n/a | 0.1% | |
| EECU | $150,000 | n/a | 0.1% | |
| NBKC BANK | $145,000 | n/a | 0.1% | |
| SPRING EQ, LLC | $135,000 | n/a | 0.0% | |
| Citadel Servicing Corporation | $125,000 | n/a | 0.0% | |
| INTERLINC MORTGAGE SERVICES, LLC | $115,000 | n/a | 0.0% | |
| GUARANTEED RATE AFFINITY, LLC | $85,000 | n/a | 0.0% | |
| LOANPAL, LLC | $290,000 | $85,000 | -70.7% | 0.0% |
| Great Plains National Bank | $75,000 | n/a | 0.0% | |
| PENTAGON FEDERAL CREDIT UNION | $75,000 | n/a | 0.0% | |
| Zions Bank | $75,000 | n/a | 0.0% | |
| First National Bank Texas | $55,000 | n/a | 0.0% | |
| NAVY FEDERAL CREDIT UNION | $845,000 | $55,000 | -93.5% | 0.0% |
| TEXANS | $250,000 | $45,000 | -82.0% | 0.0% |
Gainesville's top lender by overall market share is American National Bank & Trust, with 11.5% market share. In second place, with 7.0%, is First United Bank and Trust Company, having originated $18,925,000 in loans. In third place, with 6.5%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $17,635,000 in loans. In fourth place, with 6.1%, is First State Bank, having originated $16,640,000 in loans. In fifth place, with 4.7%, is QUICKEN LOANS, LLC, having originated $12,630,000 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 | $274,700 (-3.4%) | $374,017 (-1.9%) | 0.00 | 99 |
| 2018-02-01 | $314,950 (3.1%) | $395,068 (0.5%) | 0.00 | 96 |
| 2018-03-01 | $344,000 (15.2%) | $425,403 (8.1%) | 0.00 | 92 |
| 2018-04-01 | $363,675 (23.3%) | $448,007 (13.5%) | 0.00 | 92 |
| 2018-05-01 | $367,450 (18.5%) | $477,820 (8.7%) | 0.00 | 103 |
| 2018-06-01 | $345,900 (15.8%) | $442,542 (3.3%) | 0.00 | 121 |
| 2018-07-01 | $317,500 (6.0%) | $438,499 (6.1%) | 0.00 | 134 |
| 2018-08-01 | $324,950 (0.5%) | $416,642 (0.8%) | 0.00 | 139 |
| 2018-09-01 | $299,900 (-2.5%) | $405,533 (-0.7%) | 0.00 | 138 |
| 2018-10-01 | $276,750 (-7.8%) | $388,587 (-3.5%) | 0.00 | 138 |
| 2018-11-01 | $293,750 (-7.5%) | $397,506 (-4.5%) | 0.00 | 126 |
| 2018-12-01 | $270,676 (-0.8%) | $381,950 (-6.1%) | 0.00 | 125 |
| 2019-01-01 | $248,450 (-9.6%) | $372,016 (-0.5%) | 0.00 | 114 |
| 2019-02-01 | $272,788 (-13.4%) | $393,636 (-0.4%) | 0.00 | 122 |
| 2019-03-01 | $271,883 (-21.0%) | $393,333 (-7.5%) | 0.00 | 128 |
| 2019-04-01 | $270,827 (-25.5%) | $392,367 (-12.4%) | 0.00 | 138 |
| 2019-05-01 | $287,500 (-21.8%) | $366,782 (-23.2%) | 0.00 | 140 |
| 2019-06-01 | $298,000 (-13.9%) | $383,001 (-13.5%) | 0.00 | 148 |
| 2019-07-01 | $299,450 (-5.7%) | $384,779 (-12.3%) | 0.00 | 151 |
| 2019-08-01 | $297,623 (-8.4%) | $382,074 (-8.3%) | 0.00 | 152 |
| 2019-09-01 | $295,557 (-1.5%) | $385,875 (-4.9%) | 0.00 | 152 |
| 2019-10-01 | $305,930 (10.5%) | $390,524 (0.5%) | 0.00 | 151 |
| 2019-11-01 | $329,900 (12.3%) | $395,735 (-0.5%) | 0.00 | 135 |
| 2019-12-01 | $301,500 (11.4%) | $357,657 (-6.4%) | 0.00 | 123 |
| 2020-01-01 | $323,250 (30.1%) | $371,578 (-0.1%) | 0.00 | 121 |
| 2020-02-01 | $274,900 (0.8%) | $354,792 (-9.9%) | 0.00 | 126 |
| 2020-03-01 | $272,400 (0.2%) | $340,428 (-13.5%) | 0.00 | 145 |
| 2020-04-01 | $279,414 (3.2%) | $349,602 (-10.9%) | 0.00 | 138 |
| 2020-05-01 | $285,000 (-0.9%) | $360,864 (-1.6%) | 0.00 | 127 |
| 2020-06-01 | $289,125 (-3.0%) | $372,338 (-2.8%) | 0.00 | 112 |
| 2020-07-01 | $315,750 (5.4%) | $419,072 (8.9%) | 0.00 | 103 |
| 2020-08-01 | $315,000 (5.8%) | $413,313 (8.2%) | 0.00 | 89 |
| 2020-09-01 | $322,375 (9.1%) | $403,273 (4.5%) | 0.00 | 83 |
| 2020-10-01 | $329,900 (7.8%) | $390,988 (0.1%) | 0.00 | 68 |
| 2020-11-01 | $323,725 (-1.9%) | $383,344 (-3.1%) | 0.00 | 57 |
| 2020-12-01 | $325,450 (7.9%) | $396,330 (10.8%) | 0.00 | 54 |
| 2021-01-01 | $299,950 (-7.2%) | $398,107 (7.1%) | 0.00 | 49 |
| 2021-02-01 | $324,950 (18.2%) | $390,550 (10.1%) | 0.00 | 38 |
| 2021-03-01 | $331,338 (21.6%) | $422,488 (24.1%) | 0.00 | 26 |
| 2021-04-01 | $372,400 (33.3%) | $461,795 (32.1%) | 0.00 | 26 |
| 2021-05-01 | $289,450 (1.6%) | $519,625 (44.0%) | 0.00 | 39 |
| 2021-06-01 | $264,975 (-8.4%) | $494,299 (32.8%) | 0.00 | 55 |
| 2021-07-01 | $163,180 (-48.3%) | $328,878 (-21.5%) | 0.00 | 104 |
| 2021-08-01 | $161,290 (-48.8%) | $346,192 (-16.2%) | 0.00 | 96 |
| 2021-09-01 | $180,375 (-44.1%) | $376,323 (-6.7%) | 0.00 | 79 |
| 2021-10-01 | $280,988 (-14.8%) | $427,589 (9.4%) | 0.00 | 56 |
| 2021-11-01 | $308,550 (-4.7%) | $556,909 (45.3%) | 0.00 | 52 |
| 2021-12-01 | $279,950 (-14.0%) | $542,435 (36.9%) | 0.00 | 45 |
| 2022-01-01 | $275,000 (-8.3%) | $511,181 (28.4%) | 0.00 | 37 |
| 2022-02-01 | $348,850 (7.4%) | $629,180 (61.1%) | 0.00 | 24 |
| 2022-03-01 | $337,500 (1.9%) | $698,569 (65.4%) | 0.00 | 26 |
| 2022-04-01 | $334,900 (-10.1%) | $706,669 (53.0%) | 0.00 | 36 |
| 2022-05-01 | $337,500 (16.6%) | $670,677 (29.1%) | 0.00 | 48 |
| 2022-06-01 | $448,700 (69.3%) | $781,245 (58.1%) | 0.00 | 69 |
| 2022-07-01 | $470,000 (188.0%) | $778,186 (136.6%) | 0.00 | 89 |
| 2022-08-01 | $505,750 (213.6%) | $771,564 (122.9%) | 0.00 | 106 |
| 2022-09-01 | $399,950 (121.7%) | $680,713 (80.9%) | 0.00 | 127 |
| 2022-10-01 | $409,000 (45.6%) | $667,231 (56.1%) | 0.00 | 128 |
| 2022-11-01 | $363,329 (17.8%) | $594,805 (6.8%) | 0.00 | 136 |
| 2022-12-01 | $363,807 (30.0%) | $576,018 (6.2%) | 0.00 | 137 |
| 2023-01-01 | $369,450 (34.4%) | $564,052 (10.3%) | 0.00 | 128 |
| 2023-02-01 | $367,588 (5.4%) | $582,071 (-7.5%) | 0.00 | 131 |
| 2023-03-01 | $379,245 (12.4%) | $603,026 (-13.7%) | 0.00 | 116 |
| 2023-04-01 | $430,000 (28.4%) | $641,264 (-9.3%) | 0.00 | 114 |
| 2023-05-01 | $411,225 (21.8%) | $679,503 (1.3%) | 0.00 | 115 |
| 2023-06-01 | $401,626 (-10.5%) | $698,649 (-10.6%) | 0.00 | 139 |
| 2023-07-01 | $399,000 (-15.1%) | $663,694 (-14.7%) | 0.00 | 158 |
| 2023-08-01 | $399,000 (-21.1%) | $611,235 (-20.8%) | 0.00 | 158 |
| 2023-09-01 | $405,000 (1.3%) | $631,121 (-7.3%) | 0.00 | 164 |
| 2023-10-01 | $428,513 (4.8%) | $630,648 (-5.5%) | 0.00 | 181 |
| 2023-11-01 | $447,000 (23.0%) | $629,760 (5.9%) | 0.00 | 182 |
| 2023-12-01 | $434,990 (19.6%) | $567,587 (-1.5%) | 0.00 | 182 |
| 2024-01-01 | $428,225 (15.9%) | $545,262 (-3.3%) | 0.00 | 172 |
| 2024-02-01 | $429,412 (16.8%) | $559,225 (-3.9%) | 0.00 | 177 |
| 2024-03-01 | $425,000 (12.1%) | $625,257 (3.7%) | 0.00 | 220 |
| 2024-04-01 | $430,995 (0.2%) | $600,888 (-6.3%) | 0.00 | 227 |
| 2024-05-01 | $450,110 (9.5%) | $595,072 (-12.4%) | 0.00 | 231 |
| 2024-06-01 | $449,000 (11.8%) | $595,512 (-14.8%) | 0.00 | 246 |
| 2024-07-01 | $421,350 (5.6%) | $567,641 (-14.5%) | 0.00 | 245 |
| 2024-08-01 | $399,568 (0.1%) | $532,041 (-13.0%) | 0.00 | 236 |
| 2024-09-01 | $399,250 (-1.4%) | $517,378 (-18.0%) | 0.00 | 248 |
| 2024-10-01 | $413,490 (-3.5%) | $527,551 (-16.4%) | 0.00 | 262 |
| 2024-11-01 | $399,950 (-10.5%) | $523,343 (-16.9%) | 0.00 | 260 |
| 2024-12-01 | $399,000 (-8.3%) | $522,325 (-8.0%) | 0.00 | 246 |
| 2025-01-01 | $399,350 (-6.7%) | $519,575 (-4.7%) | 0.00 | 239 |
| 2025-02-01 | $399,034 (-7.1%) | $532,884 (-4.7%) | 0.00 | 241 |
| 2025-03-01 | $407,450 (-4.1%) | $545,049 (-12.8%) | 0.00 | 243 |
| 2025-04-01 | $423,625 (-1.7%) | $579,395 (-3.6%) | 0.00 | 242 |
| 2025-05-01 | $449,500 (-0.1%) | $588,165 (-1.2%) | 0.00 | 257 |
| 2025-06-01 | $444,500 (-1.0%) | $590,683 (-0.8%) | 0.00 | 268 |
| 2025-07-01 | $442,500 (5.0%) | $633,580 (11.6%) | 0.00 | 274 |
| 2025-08-01 | $425,000 (6.4%) | $629,514 (18.3%) | 0.00 | 277 |
| 2025-09-01 | $420,748 (5.4%) | $596,225 (15.2%) | 0.00 | 291 |
| 2025-10-01 | $399,475 (-3.4%) | $575,183 (9.0%) | 0.00 | 282 |
| 2025-11-01 | $399,000 (-0.2%) | $556,249 (6.3%) | 0.00 | 277 |
| 2025-12-01 | $359,925 (-9.8%) | $520,175 (-0.4%) | 0.00 | 256 |
| 2026-01-01 | $357,450 (-10.5%) | $539,319 (3.8%) | 0.00 | 223 |
| 2026-02-01 | $368,788 (-7.6%) | $570,330 (7.0%) | 0.00 | 234 |
| 2026-03-01 | $382,763 (-6.1%) | $620,892 (13.9%) | 0.00 | 243 |
| 2026-04-01 | $384,500 (-9.2%) | $563,019 (-2.8%) | 0.00 | 261 |
| 2026-05-01 | $384,950 (-14.4%) | $562,639 (-4.3%) | 0.00 | 317 |
| 2026-06-01 | $385,200 (-13.3%) | $561,856 (-4.9%) | 0.00 | 308 |
| 2026-07-01 | $381,950 (-13.7%) | $557,654 (-12.0%) | 0.00 | 296 |
| 2026-08-01 | $399,900 (-5.9%) | $575,679 (-8.6%) | 0.00 | 289 |
| 2026-09-01 | $402,098 (-4.4%) | $581,725 (-2.4%) | 0.00 | 267 |
| 2026-10-01 | $450,000 (12.7%) | $621,995 (8.1%) | 0.00 | 249 |
Gainesville's median listing price for 2026-10-01 was $450,000, a difference of
$50,525
(12.7%) versus the prior year and
$47,902 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 $621,995, a difference of $46,812 (8.1%) versus the prior year and $40,270 versus the prior month.
For the 2026-10-01 period, Gainesville had 249 MLS listings, a difference of -18 listings (-7%) versus the prior month and -33 listings (-12%) 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 $621,995, a difference of $46,812 (8.1%) versus the prior year and $40,270 versus the prior month.
For the 2026-10-01 period, Gainesville had 249 MLS listings, a difference of -18 listings (-7%) versus the prior month and -33 listings (-12%) 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 | 0 days | 2,053 sqft |
| 2018-02-01 | 0 days | 2,126 sqft |
| 2018-03-01 | 0 days | 2,209 sqft |
| 2018-04-01 | 0 days | 2,250 sqft |
| 2018-05-01 | 0 days | 2,422 sqft |
| 2018-06-01 | 0 days | 2,298 sqft |
| 2018-07-01 | 0 days | 2,297 sqft |
| 2018-08-01 | 0 days | 2,266 sqft |
| 2018-09-01 | 0 days | 2,187 sqft |
| 2018-10-01 | 0 days | 2,124 sqft |
| 2018-11-01 | 0 days | 2,092 sqft |
| 2018-12-01 | 0 days | 2,040 sqft |
| 2019-01-01 | 0 days | 2,020 sqft |
| 2019-02-01 | 0 days | 2,055 sqft |
| 2019-03-01 | 0 days | 2,091 sqft |
| 2019-04-01 | 0 days | 2,107 sqft |
| 2019-05-01 | 0 days | 2,039 sqft |
| 2019-06-01 | 0 days | 2,161 sqft |
| 2019-07-01 | 0 days | 2,163 sqft |
| 2019-08-01 | 0 days | 2,119 sqft |
| 2019-09-01 | 0 days | 2,057 sqft |
| 2019-10-01 | 0 days | 2,017 sqft |
| 2019-11-01 | 0 days | 2,133 sqft |
| 2019-12-01 | 0 days | 2,142 sqft |
| 2020-01-01 | 0 days | 2,155 sqft |
| 2020-02-01 | 0 days | 1,992 sqft |
| 2020-03-01 | 0 days | 1,948 sqft |
| 2020-04-01 | 0 days | 2,027 sqft |
| 2020-05-01 | 0 days | 2,058 sqft |
| 2020-06-01 | 0 days | 2,063 sqft |
| 2020-07-01 | 0 days | 2,124 sqft |
| 2020-08-01 | 0 days | 2,110 sqft |
| 2020-09-01 | 0 days | 2,107 sqft |
| 2020-10-01 | 0 days | 2,165 sqft |
| 2020-11-01 | 0 days | 2,092 sqft |
| 2020-12-01 | 0 days | 2,097 sqft |
| 2021-01-01 | 0 days | 2,115 sqft |
| 2021-02-01 | 0 days | 2,069 sqft |
| 2021-03-01 | 0 days | 2,198 sqft |
| 2021-04-01 | 0 days | 2,151 sqft |
| 2021-05-01 | 0 days | 1,903 sqft |
| 2021-06-01 | 0 days | 1,737 sqft |
| 2021-07-01 | 0 days | 1,240 sqft |
| 2021-08-01 | 0 days | 1,281 sqft |
| 2021-09-01 | 0 days | 1,391 sqft |
| 2021-10-01 | 0 days | 1,939 sqft |
| 2021-11-01 | 0 days | 1,869 sqft |
| 2021-12-01 | 0 days | 1,908 sqft |
| 2022-01-01 | 0 days | 1,789 sqft |
| 2022-02-01 | 0 days | 1,863 sqft |
| 2022-03-01 | 0 days | 1,940 sqft |
| 2022-04-01 | 0 days | 1,953 sqft |
| 2022-05-01 | 0 days | 1,972 sqft |
| 2022-06-01 | 0 days | 2,174 sqft |
| 2022-07-01 | 0 days | 2,242 sqft |
| 2022-08-01 | 0 days | 2,246 sqft |
| 2022-09-01 | 0 days | 2,102 sqft |
| 2022-10-01 | 0 days | 2,041 sqft |
| 2022-11-01 | 0 days | 1,996 sqft |
| 2022-12-01 | 0 days | 1,972 sqft |
| 2023-01-01 | 0 days | 2,005 sqft |
| 2023-02-01 | 0 days | 2,007 sqft |
| 2023-03-01 | 0 days | 2,048 sqft |
| 2023-04-01 | 0 days | 2,188 sqft |
| 2023-05-01 | 0 days | 2,091 sqft |
| 2023-06-01 | 0 days | 2,078 sqft |
| 2023-07-01 | 0 days | 2,038 sqft |
| 2023-08-01 | 0 days | 2,028 sqft |
| 2023-09-01 | 0 days | 2,009 sqft |
| 2023-10-01 | 0 days | 2,066 sqft |
| 2023-11-01 | 0 days | 2,120 sqft |
| 2023-12-01 | 0 days | 2,113 sqft |
| 2024-01-01 | 0 days | 2,049 sqft |
| 2024-02-01 | 0 days | 2,093 sqft |
| 2024-03-01 | 0 days | 2,040 sqft |
| 2024-04-01 | 0 days | 2,016 sqft |
| 2024-05-01 | 0 days | 2,057 sqft |
| 2024-06-01 | 0 days | 2,043 sqft |
| 2024-07-01 | 0 days | 2,031 sqft |
| 2024-08-01 | 0 days | 2,000 sqft |
| 2024-09-01 | 0 days | 2,019 sqft |
| 2024-10-01 | 0 days | 2,020 sqft |
| 2024-11-01 | 0 days | 2,001 sqft |
| 2024-12-01 | 0 days | 2,006 sqft |
| 2025-01-01 | 0 days | 2,004 sqft |
| 2025-02-01 | 0 days | 2,002 sqft |
| 2025-03-01 | 0 days | 2,024 sqft |
| 2025-04-01 | 0 days | 2,037 sqft |
| 2025-05-01 | 0 days | 2,082 sqft |
| 2025-06-01 | 0 days | 2,060 sqft |
| 2025-07-01 | 0 days | 2,102 sqft |
| 2025-08-01 | 0 days | 2,052 sqft |
| 2025-09-01 | 0 days | 2,048 sqft |
| 2025-10-01 | 0 days | 2,053 sqft |
| 2025-11-01 | 0 days | 2,020 sqft |
| 2025-12-01 | 0 days | 1,941 sqft |
| 2026-01-01 | 0 days | 1,934 sqft |
| 2026-02-01 | 0 days | 1,965 sqft |
| 2026-03-01 | 0 days | 1,982 sqft |
| 2026-04-01 | 0 days | 1,965 sqft |
| 2026-05-01 | 0 days | 1,988 sqft |
| 2026-06-01 | 0 days | 1,998 sqft |
| 2026-07-01 | 0 days | 1,998 sqft |
| 2026-08-01 | 0 days | 2,018 sqft |
| 2026-09-01 | 0 days | 2,030 sqft |
| 2026-10-01 | 0 days | 2,060 sqft |
Gainesville's median listing age (time on market) for 2026-10-01 was 0 days.
Gainesville's median square footage for active listings during the 2026-10-01 period was 2,060 sqft. One year prior, the average listing was 2,053 sqft.
Gainesville's median square footage for active listings during the 2026-10-01 period was 2,060 sqft. One year prior, the average listing was 2,053 sqft.
Gainesville, TX Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 531 | $185,685,000 | $349,689 |
| Refi | 119 | $43,165,000 | $362,731 |
| Cash Out Refi | 102 | $28,130,000 | $275,784 |
| Other | 60 | $10,550,000 | $175,833 |
| Home Improvement | 25 | $3,575,000 | $143,000 |
Gainesville's most frequently cited loan purpose was Home Purchase, with 531 originations. The 2nd most popular reason was Refi, with 119 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 381 | $128,375,000 | $336,942 |
| 5-6% | 166 | $58,940,000 | $355,060 |
| 7-8% | 140 | $45,680,000 | $326,286 |
| Over 8% | 85 | $17,145,000 | $201,706 |
| 3-4% | 22 | $6,780,000 | $308,182 |
| 4-5% | 19 | $6,185,000 | $325,526 |
| <2.5% | 3 | $15,000 | $5,000 |
| 2.5-3% | 1 | $75,000 | $75,000 |
During 2025, Gainesville's most frequently originated rate bucket was 6-7%, with 381 originations.
Loan Sizing (Gainesville, TX MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 348 | $99,660,000 | $286,379 |
| $100k-200k | 179 | $26,995,000 | $150,810 |
| $400k-600k | 150 | $71,540,000 | $476,933 |
| $100,000 or less | 82 | $5,140,000 | $62,683 |
| $600k-1000k | 63 | $46,275,000 | $734,524 |
| $Over $1MM | 15 | $21,495,000 | $1,433,000 |
Gainesville's loan sizing saw the bucket of loans from $200k-400k with 348 originations, totaling $99,660,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 365 | $126,945,000 | $347,795 |
| 60-80% | 200 | $76,870,000 | $384,350 |
| 40-60% | 109 | $34,105,000 | $312,890 |
| 20-40% | 75 | $12,825,000 | $171,000 |
| Under 20% | 47 | $4,165,000 | $88,617 |
| Over 100% | 13 | $5,715,000 | $439,615 |
Gainesville's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 365 originations, totaling $126,945,000 in origination value.