Gainesville Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Gainesville averaged
6.69%
for the week of 2022-12-01, compared to the national average of
6.49% for the same period.
The average rate for the prior week (2022-11-23) was
6.68% and
one month ago for the week of 2022-10-27, the
average rate was 7.28%.
Gainesville's average rate one year ago was 3.55%.
For refis of the same type during the week of 2022-12-01, the average rate
was 6.65%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2022-12-01 | 6.49% |
| Gainesville 30 Year Fixed Rate | 2022-12-01 | 6.69% |
| Gainesville 30 Year Fixed Rate Refi | 2022-12-01 | 6.65% |
| Gainesville 15 Year Fixed Rate | 2022-12-01 | 6.77% |
| Gainesville 15 Year Fixed Rate Refi | 2022-12-01 | 5.8% |
| Gainesville 30 Year FHA | 2022-12-01 | 6.88% |
| Gainesville 30 Year FHA Refi | 2022-12-01 | 6.49% |
| Gainesville 30 Year USDA | 2022-12-01 | 6.7% |
| Gainesville 30 Year USDA Refi | 2022-12-01 | 3.13% |
| Gainesville 30 Year VA | 2022-12-01 | 6.6% |
| Gainesville 30 Year VA Refi | 2022-12-01 | 6.36% |
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 129 lenders originated 1,262
loans during 2021. The total origination value was $326,270,000, with an average loan value of
$258,534.
Gainesville's average closing costs are $5,720.
The top Gainesville lender as defined by loan originations is First State Bank, with
84 loans originated. Their average total fees are
$5,009, which is $1,215
lower than the next largest lender,
GUILD MORTGAGE COMPANY.
The lowest fee Gainesville lenders (with over 10 loans originated) are
JPMorgan Chase Bank ($4,371), QUICKEN LOANS, LLC ($4,450), First State Bank ($5,009), First United Bank and Trust Company ($5,153) and Independent Bank ($5,387).
The lowest rate Gainesville lenders (with over 10 loans originated) are
First State Bank (3.00%), JPMorgan Chase Bank (3.00%), GUILD MORTGAGE COMPANY (3.03%), Independent Bank (3.18%) and FAIRWAY INDEPENDENT MORTGAGE CORPORATION (3.26%).
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 | 2020 Loan Value | 2021 Loan Value | % Change | 2021 Market Share |
|---|---|---|---|---|
| First State Bank | $48,620,000 | $41,460,000 | -14.7% | 12.7% |
| QUICKEN LOANS, LLC | $18,495,000 | $21,415,000 | 15.8% | 6.6% |
| GUILD MORTGAGE COMPANY | $15,125,000 | $17,855,000 | 18.0% | 5.5% |
| First United Bank and Trust Company | $15,225,000 | $17,495,000 | 14.9% | 5.4% |
| Independent Bank | $5,480,000 | $12,530,000 | 128.6% | 3.8% |
| Nascoga Federal Credit Union | $8,150,000 | $8,395,000 | 3.0% | 2.6% |
| Prosperity Bank | $5,870,000 | $8,350,000 | 42.2% | 2.6% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $7,790,000 | $7,770,000 | -0.3% | 2.4% |
| JPMorgan Chase Bank | $3,225,000 | $7,500,000 | 132.6% | 2.3% |
| LOANDEPOT.COM, LLC | $2,090,000 | $6,145,000 | 194.0% | 1.9% |
| FREEDOM MORTGAGE CORPORATION | $4,405,000 | $5,550,000 | 26.0% | 1.7% |
| Farm Credit Mid-America, ACA | $920,000 | $4,960,000 | 439.1% | 1.5% |
| SFMC, LP | $2,565,000 | $4,810,000 | 87.5% | 1.5% |
| CALIBER HOME LOANS, INC. | $3,100,000 | $4,145,000 | 33.7% | 1.3% |
| AMCAP MORTGAGE, LTD. | $2,265,000 | $4,105,000 | 81.2% | 1.3% |
| MORTGAGE FINANCIAL SERVICES, LLC | $10,605,000 | $4,090,000 | -61.4% | 1.3% |
| Mortgage Research Center, LLC | $730,000 | $3,905,000 | 434.9% | 1.2% |
| MID AMERICA MORTGAGE, INC. | $1,010,000 | $3,810,000 | 277.2% | 1.2% |
| UNITED WHOLESALE MORTGAGE, LLC | $4,390,000 | $3,695,000 | -15.8% | 1.1% |
| Wells Fargo Bank | $4,620,000 | $3,635,000 | -21.3% | 1.1% |
| PENNYMAC LOAN SERVICES, LLC | $1,725,000 | $3,305,000 | 91.6% | 1.0% |
| GUARANTEED RATE, INC. | $1,600,000 | $2,980,000 | 86.3% | 0.9% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | $1,205,000 | $2,970,000 | 146.5% | 0.9% |
| 21ST MORTGAGE CORPORATION | $2,590,000 | $2,640,000 | 1.9% | 0.8% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $2,855,000 | $2,545,000 | -10.9% | 0.8% |
| BETTER MORTGAGE CORPORATION | $645,000 | $2,390,000 | 270.5% | 0.7% |
| ASPIRE FINANCIAL, INC. | $3,590,000 | $2,350,000 | -34.5% | 0.7% |
| DATCU | $2,940,000 | $2,350,000 | -20.1% | 0.7% |
| Simmons Bank | $6,970,000 | $2,245,000 | -67.8% | 0.7% |
| First Bank | $3,100,000 | $2,140,000 | -31.0% | 0.7% |
| NexBank | $1,070,000 | $2,135,000 | 99.5% | 0.7% |
| NEWREZ LLC | $1,300,000 | $2,060,000 | 58.5% | 0.6% |
| Mr. Cooper ( Nationstar Mortgage ) | $2,790,000 | $2,050,000 | -26.5% | 0.6% |
| First Financial Bank | $2,600,000 | $1,940,000 | -25.4% | 0.6% |
| Flagstar Bank, FSB | $935,000 | $1,940,000 | 107.5% | 0.6% |
| Goldwater Bank, N.A. | $485,000 | $1,935,000 | 299.0% | 0.6% |
| TIB The Independent Bankersbank | $2,540,000 | $1,895,000 | -25.4% | 0.6% |
| LAKEVIEW LOAN SERVICING, LLC | $1,160,000 | $1,890,000 | 62.9% | 0.6% |
| NTFN, INC. | $2,790,000 | $1,890,000 | -32.3% | 0.6% |
| Zions Bancorporation, N.A. | $550,000 | $1,845,000 | 235.5% | 0.6% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | $2,865,000 | $1,805,000 | -37.0% | 0.6% |
| HOME POINT FINANCIAL CORPORATION | $155,000 | $1,755,000 | 1,032.3% | 0.5% |
| WILLOW BEND MORTGAGE COMPANY, LLC | $1,000,000 | $1,745,000 | 74.5% | 0.5% |
| First Bank & Trust | $1,955,000 | $1,735,000 | -11.3% | 0.5% |
| Texas Security Bank | $1,650,000 | n/a | 0.5% | |
| Prosperity Home Mortgage, LLC | $835,000 | $1,590,000 | 90.4% | 0.5% |
| Colonial Savings, F.A. | $1,565,000 | n/a | 0.5% | |
| GSB MORTGAGE, INC. | $195,000 | $1,565,000 | 702.6% | 0.5% |
| First National Bank | $585,000 | $1,545,000 | 164.1% | 0.5% |
| MOVEMENT MORTGAGE, LLC | $985,000 | $1,485,000 | 50.8% | 0.5% |
| CORNERSTONE HOME LENDING, INC. | $3,355,000 | $1,470,000 | -56.2% | 0.5% |
| BROKER SOLUTIONS, INC. | $870,000 | $1,450,000 | 66.7% | 0.4% |
| CMG MORTGAGE, INC. | $990,000 | $1,420,000 | 43.4% | 0.4% |
| AccessBank Texas | $1,345,000 | n/a | 0.4% | |
| SECURITYNATIONAL MORTGAGE COMPANY | $1,695,000 | $1,320,000 | -22.1% | 0.4% |
| City Bank | $1,350,000 | $1,270,000 | -5.9% | 0.4% |
| Town Square Mortgage & Investments, Inc. | $735,000 | $1,235,000 | 68.0% | 0.4% |
| Gateway First Bank | $1,080,000 | $1,225,000 | 13.4% | 0.4% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $330,000 | $1,200,000 | 263.6% | 0.4% |
| SOUTHWEST STAGE FUNDING, LLC | $630,000 | $1,170,000 | 85.7% | 0.4% |
| Northpointe Bank | $2,005,000 | $1,155,000 | -42.4% | 0.4% |
| BancorpSouth Bank | $1,065,000 | $1,135,000 | 6.6% | 0.3% |
| The American National Bank of Texas | $15,000 | $1,125,000 | 7,400.0% | 0.3% |
| Bank of America | $775,000 | $1,045,000 | 34.8% | 0.3% |
| CHERRY CREEK MORTGAGE, LLC | $2,180,000 | $1,045,000 | -52.1% | 0.3% |
| PLAZA HOME MORTGAGE, INC. | $1,045,000 | n/a | 0.3% | |
| Network Funding, L.P. | $430,000 | $1,025,000 | 138.4% | 0.3% |
| THRIVE MORTGAGE, LLC | $545,000 | $1,000,000 | 83.5% | 0.3% |
| AMERISAVE MORTGAGE CORPORATION | $1,145,000 | $990,000 | -13.5% | 0.3% |
| INTEGRITY MORTGAGE CORPORATION OF TEXAS | $515,000 | $940,000 | 82.5% | 0.3% |
| First Guaranty Mortgage Corporation | $1,725,000 | $935,000 | -45.8% | 0.3% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $775,000 | $920,000 | 18.7% | 0.3% |
| NAVY FEDERAL CREDIT UNION | $165,000 | $920,000 | 457.6% | 0.3% |
| TIAA, FSB | $915,000 | n/a | 0.3% | |
| Texas Bank Financial | $985,000 | $840,000 | -14.7% | 0.3% |
| Guaranty Bank & Trust, N.A. | $835,000 | n/a | 0.3% | |
| Amarillo National Bank | $830,000 | n/a | 0.3% | |
| Atlantic Home Loans, Inc. | $790,000 | n/a | 0.2% | |
| S1L, Inc. | $510,000 | $785,000 | 53.9% | 0.2% |
| Citizens Bank | $3,265,000 | $760,000 | -76.7% | 0.2% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $245,000 | $755,000 | 208.2% | 0.2% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $3,140,000 | $755,000 | -76.0% | 0.2% |
| ACADEMY MORTGAGE CORPORATION | $1,205,000 | $750,000 | -37.8% | 0.2% |
| Assurance Financial Group, L.L.C. | $720,000 | n/a | 0.2% | |
| Stifel Bank and Trust | $715,000 | n/a | 0.2% | |
| VILLAGE CAPITAL & INVESTMENT LLC | $1,265,000 | $715,000 | -43.5% | 0.2% |
| First Horizon Bank | $710,000 | n/a | 0.2% | |
| HOMESIDE FINANCIAL, LLC | $255,000 | $700,000 | 174.5% | 0.2% |
| Republic State Mortgage Co. | $175,000 | $695,000 | 297.1% | 0.2% |
| AMERICAN FINANCIAL NETWORK, INC. | $980,000 | $680,000 | -30.6% | 0.2% |
| Truist Bank | $1,800,000 | $655,000 | -63.6% | 0.2% |
| CELEBRITY HOME LOANS, LLC | $225,000 | $630,000 | 180.0% | 0.2% |
| EVERETT FINANCIAL, INC. | $7,930,000 | $630,000 | -92.1% | 0.2% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $1,170,000 | $610,000 | -47.9% | 0.2% |
| Legend Bank, N.A. | $1,930,000 | $610,000 | -68.4% | 0.2% |
| NBKC BANK | $610,000 | n/a | 0.2% | |
| SOVEREIGN LENDING GROUP INCORPORATED | $185,000 | $590,000 | 218.9% | 0.2% |
| Nations Lending Corporation | $585,000 | n/a | 0.2% | |
| NATIONS RELIABLE LENDING, LLC | $480,000 | $580,000 | 20.8% | 0.2% |
| Paramount Residential Mortgage Group, Inc. | $1,150,000 | $560,000 | -51.3% | 0.2% |
| The Home Loan Expert LLC | $560,000 | n/a | 0.2% | |
| RANDOLPH-BROOKS | $590,000 | $555,000 | -5.9% | 0.2% |
| KS StateBank | $395,000 | $545,000 | 38.0% | 0.2% |
| SUMMIT FUNDING, INC. | $545,000 | n/a | 0.2% | |
| FINANCE OF AMERICA MORTGAGE LLC | $1,280,000 | $540,000 | -57.8% | 0.2% |
| BM Real Estate Services, Inc. | $335,000 | $535,000 | 59.7% | 0.2% |
| GUARANTY HOME MORTGAGE CORPORATION | $515,000 | n/a | 0.2% | |
| Morgan Stanley Private Bank | $515,000 | n/a | 0.2% | |
| U.S. Bank | $1,465,000 | $515,000 | -64.8% | 0.2% |
| CERTAINTY HOME LOANS, LLC | $1,305,000 | $510,000 | -60.9% | 0.2% |
| Waterstone Mortgage Corporation | $500,000 | n/a | 0.2% | |
| PLANET HOME LENDING, LLC | $520,000 | $490,000 | -5.8% | 0.2% |
| OPEN MORTGAGE, LLC | $165,000 | $465,000 | 181.8% | 0.1% |
| TOP FLITE FINANCIAL, INC. | $455,000 | n/a | 0.1% | |
| Veritex Community Bank | $1,365,000 | $455,000 | -66.7% | 0.1% |
| STEARNS LENDING, LLC | $235,000 | $450,000 | 91.5% | 0.1% |
| Sunflower Bank | $1,115,000 | $450,000 | -59.6% | 0.1% |
| UNITED MORTGAGE CORP. | $105,000 | $450,000 | 328.6% | 0.1% |
| CLEARPATH LENDING | $305,000 | $430,000 | 41.0% | 0.1% |
| Carrington Mortgage Services, LLC | $525,000 | $425,000 | -19.0% | 0.1% |
| Ally Bank | $245,000 | $415,000 | 69.4% | 0.1% |
| GSF Mortgage Corporation | $415,000 | n/a | 0.1% | |
| GENEVA FINANCIAL, LLC | $255,000 | $410,000 | 60.8% | 0.1% |
| DAS Acquisition Company, LLC | $935,000 | $395,000 | -57.8% | 0.1% |
| First Mortgage Solutions, LLC | $395,000 | n/a | 0.1% | |
| INFINITY MORTGAGE HOLDINGS, LLC | $865,000 | $390,000 | -54.9% | 0.1% |
| Farmers Bank & Trust | $385,000 | n/a | 0.1% | |
| SOUTHWEST FUNDING, LP | $1,075,000 | $385,000 | -64.2% | 0.1% |
| Strong Home Mortgage, LLC | $165,000 | $385,000 | 133.3% | 0.1% |
| EUSTIS AND AMERICAN MORTGAGE COMPANY | $115,000 | $380,000 | 230.4% | 0.1% |
| Texas Bank and Trust Company | $275,000 | $375,000 | 36.4% | 0.1% |
| InterContinental Capital Group, Inc | $355,000 | $370,000 | 4.2% | 0.1% |
| LHM FINANCIAL CORPORATION | $325,000 | $370,000 | 13.8% | 0.1% |
| MICHIGAN MUTUAL, INC. | $145,000 | $365,000 | 151.7% | 0.1% |
| AMERICAN FINANCING CORPORATION | $55,000 | $360,000 | 554.5% | 0.1% |
| CHURCHILL MORTGAGE CORPORATION | $945,000 | $355,000 | -62.4% | 0.1% |
| Encompass Lending Group, LP | $355,000 | n/a | 0.1% | |
| Loan Simple, Inc. | $135,000 | $350,000 | 159.3% | 0.1% |
| Prime Choice Funding Inc. | $345,000 | n/a | 0.1% | |
| USAA Federal Savings Bank | $645,000 | $335,000 | -48.1% | 0.1% |
| ACCELERATE MORTGAGE, LLC | $325,000 | n/a | 0.1% | |
| CITY | $25,000 | $325,000 | 1,200.0% | 0.1% |
| V.I.P. MORTGAGE, INC. | $275,000 | $315,000 | 14.5% | 0.1% |
| SUN WEST MORTGAGE COMPANY, INC. | $310,000 | $310,000 | 0.0% | 0.1% |
| American Mortgage Bank, LLC | $575,000 | $305,000 | -47.0% | 0.1% |
| RED DIAMOND HOME LOANS, LLC | $285,000 | n/a | 0.1% | |
| SWBC MORTGAGE CORPORATION | $1,480,000 | $285,000 | -80.7% | 0.1% |
| CROSSCOUNTRY MORTGAGE, LLC | $1,095,000 | $280,000 | -74.4% | 0.1% |
| BNC National Bank | $275,000 | n/a | 0.1% | |
| Farmers Bank & Trust Company | $275,000 | n/a | 0.1% | |
| PHH Mortgage Corporation | $275,000 | n/a | 0.1% | |
| UNION HOME MORTGAGE CORP. | $340,000 | $260,000 | -23.5% | 0.1% |
| UNITED BUILT HOMES, L.L.C. | $785,000 | $255,000 | -67.5% | 0.1% |
| CAPITAL CONCEPTS, INC. | $245,000 | n/a | 0.1% | |
| Deere Employees Credit Union | $240,000 | n/a | 0.1% | |
| Bank of England | $235,000 | n/a | 0.1% | |
| KELLER MORTGAGE, LLC | $525,000 | $235,000 | -55.2% | 0.1% |
| NEW DAY FINANCIAL, LLC | $300,000 | $235,000 | -21.7% | 0.1% |
| HANCOCK MORTGAGE PARTNERS, LLC | $225,000 | n/a | 0.1% | |
| Reliant Bank | $95,000 | $225,000 | 136.8% | 0.1% |
| American Airlines Federal Credit Union | $45,000 | $215,000 | 377.8% | 0.1% |
| NETWORK CAPITAL FUNDING CORPORATION | $305,000 | $215,000 | -29.5% | 0.1% |
| TEXANS | $215,000 | n/a | 0.1% | |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $35,000 | $210,000 | 500.0% | 0.1% |
| RBC Bank, (Georgia) | $205,000 | n/a | 0.1% | |
| ROYAL UNITED MORTGAGE LLC | $395,000 | $200,000 | -49.4% | 0.1% |
| COUNTRYPLACE MORTGAGE, LTD. | $815,000 | $195,000 | -76.1% | 0.1% |
| GMFS LLC | $185,000 | n/a | 0.1% | |
| GUARANTEED RATE AFFINITY, LLC | $285,000 | $185,000 | -35.1% | 0.1% |
| Credit Union of Texas | $175,000 | n/a | 0.1% | |
| The Jacksboro National Bank | $165,000 | n/a | 0.1% | |
| AMERICAN ADVISORS GROUP | $105,000 | $160,000 | 52.4% | 0.0% |
| ASSOCIATED MORTGAGE CORPORATION | $610,000 | $155,000 | -74.6% | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | $155,000 | n/a | 0.0% | |
| Colten Mortgage, LLC | $145,000 | n/a | 0.0% | |
| Manufacturers and Traders Trust Company | $145,000 | n/a | 0.0% | |
| CIVIC FINANCIAL SERVICES, LLC | $135,000 | n/a | 0.0% | |
| TRIAD FINANCIAL SERVICES, INC. | $190,000 | $135,000 | -28.9% | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $910,000 | $125,000 | -86.3% | 0.0% |
| EECU | $800,000 | $125,000 | -84.4% | 0.0% |
| First Savings Bank | $370,000 | $115,000 | -68.9% | 0.0% |
| UNION SQUARE | $115,000 | n/a | 0.0% | |
| GREAT WESTERN FINANCIAL SERVICES, INC. | $2,410,000 | $105,000 | -95.6% | 0.0% |
| Regions Bank | $105,000 | n/a | 0.0% | |
| Happy State Bank | $560,000 | $95,000 | -83.0% | 0.0% |
| Lamar National Bank | $95,000 | n/a | 0.0% | |
| LOANPAL, LLC | $350,000 | $95,000 | -72.9% | 0.0% |
| Discover Bank | $85,000 | n/a | 0.0% | |
| OCEANSIDE MORTGAGE COMPANY | $270,000 | $85,000 | -68.5% | 0.0% |
| BancFirst | $85,000 | $75,000 | -11.8% | 0.0% |
| Central Bank | $55,000 | n/a | 0.0% |
Gainesville's top lender by overall market share is First State Bank, with 12.7% market share. In second place, with 6.6%, is QUICKEN LOANS, LLC, having originated $21,415,000 in loans. In third place, with 5.5%, is GUILD MORTGAGE COMPANY, having originated $17,855,000 in loans. In fourth place, with 5.4%, is First United Bank and Trust Company, having originated $17,495,000 in loans. In fifth place, with 3.8%, is Independent Bank, having originated $12,530,000 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 | $286,700 (-22.0%) | $367,035 (-23.2%) | 0.00 | 139 |
| 2019-06-01 | $298,000 (-13.9%) | $383,085 (-13.4%) | 0.00 | 147 |
| 2019-07-01 | $299,450 (-5.7%) | $384,802 (-12.3%) | 0.00 | 152 |
| 2019-08-01 | $297,882 (-8.3%) | $382,083 (-8.3%) | 0.00 | 153 |
| 2019-09-01 | $296,205 (-1.2%) | $385,861 (-4.9%) | 0.00 | 153 |
| 2019-10-01 | $310,136 (12.1%) | $390,480 (0.5%) | 0.00 | 152 |
| 2019-11-01 | $329,950 (12.3%) | $395,555 (-0.5%) | 0.00 | 136 |
| 2019-12-01 | $303,250 (12.0%) | $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%) | $340,583 (-13.4%) | 0.00 | 146 |
| 2020-04-01 | $279,414 (3.2%) | $349,602 (-10.9%) | 0.00 | 138 |
| 2020-05-01 | $285,000 (-0.6%) | $360,864 (-1.7%) | 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 (8.8%) | $403,273 (4.5%) | 0.00 | 83 |
| 2020-10-01 | $329,900 (6.4%) | $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 (7.3%) | $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 | $254,700 (-11.9%) | $484,076 (30.0%) | 0.00 | 54 |
| 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 | $348,950 (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 (76.2%) | $781,245 (61.4%) | 0.00 | 69 |
| 2022-07-01 | $470,000 (188.0%) | $777,962 (136.6%) | 0.00 | 88 |
| 2022-08-01 | $499,500 (209.7%) | $771,564 (122.9%) | 0.00 | 106 |
| 2022-09-01 | $399,950 (121.7%) | $681,923 (81.2%) | 0.00 | 127 |
| 2022-10-01 | $412,000 (46.6%) | $669,354 (56.5%) | 0.00 | 127 |
| 2022-11-01 | $362,962 (17.6%) | $596,422 (7.1%) | 0.00 | 135 |
Gainesville's median listing price comes in at 0% of the national average.
Gainesville's average listing price for 2022-11-01 was $596,422, a difference of $39,513 (7.1%) versus the prior year and $-72,932 versus the prior month.
For the 2022-11-01 period, Gainesville had 135 MLS listings, a difference of 8 listings (6%) versus the prior month and 83 listings (160%) 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 | 2,038 sqft |
| 2019-06-01 | 0 days | 2,166 sqft |
| 2019-07-01 | 0 days | 2,170 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 | 2,142 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 | 1,681 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 | 2,242 sqft |
| 2022-09-01 | 0 days | 2,102 sqft |
| 2022-10-01 | 0 days | 2,042 sqft |
| 2022-11-01 | 0 days | 1,990 sqft |
Gainesville's median square footage for active listings during the 2022-11-01 period was 1,990 sqft. One year prior, the average listing was 1,869 sqft.
Gainesville, TX Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 588 | $160,810,000 | $273,486 |
| Refi | 384 | $99,590,000 | $259,349 |
| Cash Out Refi | 215 | $50,455,000 | $234,674 |
| Other | 60 | $13,660,000 | $227,667 |
| Home Improvement | 15 | $1,755,000 | $117,000 |
Gainesville's most frequently cited loan purpose was Home Purchase, with 588 originations. The 2nd most popular reason was Refi, with 384 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 3-4% | 480 | $130,160,000 | $271,167 |
| 2.5-3% | 433 | $113,645,000 | $262,460 |
| <2.5% | 178 | $49,250,000 | $276,685 |
| 4-5% | 97 | $21,055,000 | $217,062 |
| 5-6% | 25 | $3,945,000 | $157,800 |
| 6-7% | 11 | $1,415,000 | $128,636 |
| Over 8% | 11 | $1,155,000 | $105,000 |
| 7-8% | 10 | $880,000 | $88,000 |
During 2021, Gainesville's most frequently originated rate bucket was 3-4%, with 480 originations.
Loan Sizing (Gainesville, TX MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 496 | $138,760,000 | $279,758 |
| $100k-200k | 434 | $64,790,000 | $149,286 |
| $100,000 or less | 144 | $10,510,000 | $72,986 |
| $400k-600k | 142 | $67,420,000 | $474,789 |
| $600k-1000k | 30 | $22,040,000 | $734,667 |
| $Over $1MM | 16 | $22,750,000 | $1,421,875 |
Gainesville's loan sizing saw the bucket of loans from $200k-400k with 496 originations, totaling $138,760,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 455 | $117,445,000 | $258,121 |
| 60-80% | 422 | $126,780,000 | $300,427 |
| 40-60% | 214 | $47,810,000 | $223,411 |
| 20-40% | 78 | $13,800,000 | $176,923 |
| Under 20% | 23 | $1,485,000 | $64,565 |
| Over 100% | 21 | $7,385,000 | $351,667 |
Gainesville's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 455 originations, totaling $117,445,000 in origination value.
