Gainesville Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Gainesville averaged
6.9%
for the week of 2025-07-03, compared to the national average of
6.67% for the same period.
The average rate for the prior week (2025-06-26) was
6.8% and
one month ago for the week of 2025-05-29, the
average rate was 7.02%.
Gainesville's average rate one year ago was 7.19%.
For refis of the same type during the week of 2025-07-03, the average rate
was 7.17%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-07-03 | 6.67% |
| Gainesville 30 Year Fixed Rate | 2025-07-03 | 6.9% |
| Gainesville 30 Year Fixed Rate Refi | 2025-07-03 | 7.17% |
| Gainesville 15 Year Fixed Rate | 2025-07-03 | 5.8% |
| Gainesville 15 Year Fixed Rate Refi | 2025-07-03 | 5.8% |
| Gainesville 30 Year FHA | 2025-07-03 | -0.1% |
| Gainesville 30 Year FHA Refi | 2025-07-03 | 0.1% |
| Gainesville 30 Year USDA | 2025-07-03 | -0.1% |
| Gainesville 30 Year USDA Refi | 2025-07-03 | 0.1% |
| Gainesville 30 Year VA | 2025-07-03 | 0% |
| Gainesville 30 Year VA Refi | 2025-07-03 | 0% |
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 90 lenders originated 765
loans during 2024. The total origination value was $232,445,000, with an average loan value of
$303,850.
Gainesville's average closing costs are $6,866.
The top Gainesville lender as defined by loan originations is American National Bank & Trust, with
40 loans originated. Their average total fees are
$7,156, which is $1,199
higher than the next largest lender,
First State Bank.
The lowest fee Gainesville lenders (with over 10 loans originated) are
First State Bank ($5,957), American National Bank & Trust ($7,156), UNITED WHOLESALE MORTGAGE, LLC ($7,867), QUICKEN LOANS, LLC ($7,906) and First United Bank and Trust Company ($8,452).
The lowest rate Gainesville lenders (with over 10 loans originated) are
UNITED WHOLESALE MORTGAGE, LLC (6.59%), First State Bank (6.79%), GUILD MORTGAGE COMPANY (6.90%), QUICKEN LOANS, LLC (6.98%) and First United Bank and Trust Company (6.99%).
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 | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| American National Bank & Trust | $13,290,000 | $22,200,000 | 67.0% | 9.6% |
| First State Bank | $14,555,000 | $21,085,000 | 44.9% | 9.1% |
| UNITED WHOLESALE MORTGAGE, LLC | $10,180,000 | $14,615,000 | 43.6% | 6.3% |
| First United Bank and Trust Company | $9,675,000 | $12,440,000 | 28.6% | 5.4% |
| GUILD MORTGAGE COMPANY | $8,945,000 | $11,605,000 | 29.7% | 5.0% |
| QUICKEN LOANS, LLC | $8,325,000 | $7,610,000 | -8.6% | 3.3% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | $2,320,000 | $6,300,000 | 171.6% | 2.7% |
| First Liberty Bank | $6,205,000 | n/a | 2.7% | |
| CROSSCOUNTRY MORTGAGE, LLC | $960,000 | $5,215,000 | 443.2% | 2.2% |
| Independent Bank | $3,285,000 | $4,785,000 | 45.7% | 2.1% |
| 21ST MORTGAGE CORPORATION | $4,475,000 | $4,530,000 | 1.2% | 1.9% |
| Nascoga Federal Credit Union | $3,265,000 | $4,355,000 | 33.4% | 1.9% |
| Prosperity Bank | $5,425,000 | $4,045,000 | -25.4% | 1.7% |
| GUARANTEED RATE, INC. | $1,915,000 | $3,715,000 | 94.0% | 1.6% |
| NexBank | $450,000 | $3,135,000 | 596.7% | 1.3% |
| PLANET HOME LENDING, LLC | $680,000 | $2,910,000 | 327.9% | 1.3% |
| THE MORTGAGE LINK, INC. | $735,000 | $2,665,000 | 262.6% | 1.1% |
| DHI MORTGAGE COMPANY, LTD. | $20,395,000 | $2,600,000 | -87.3% | 1.1% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $5,095,000 | $2,430,000 | -52.3% | 1.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $670,000 | $2,185,000 | 226.1% | 0.9% |
| PENNYMAC LOAN SERVICES, LLC | $765,000 | $2,120,000 | 177.1% | 0.9% |
| Legend Bank, N.A. | $645,000 | $2,110,000 | 227.1% | 0.9% |
| Sierra Pacific Mortgage Company, Inc. | $385,000 | $2,035,000 | 428.6% | 0.9% |
| EVERETT FINANCIAL, INC. | $2,380,000 | $2,015,000 | -15.3% | 0.9% |
| First Bank | $860,000 | $1,900,000 | 120.9% | 0.8% |
| FREEDOM MORTGAGE CORPORATION | $460,000 | $1,815,000 | 294.6% | 0.8% |
| Mortgage Research Center, LLC | $2,555,000 | $1,775,000 | -30.5% | 0.8% |
| Community National Bank & Trust | $1,075,000 | $1,745,000 | 62.3% | 0.8% |
| Mr. Cooper ( Nationstar Mortgage ) | $495,000 | $1,740,000 | 251.5% | 0.7% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $265,000 | $1,715,000 | 547.2% | 0.7% |
| Paramount Residential Mortgage Group, Inc. | $1,680,000 | n/a | 0.7% | |
| JPMorgan Chase Bank | $410,000 | $1,595,000 | 289.0% | 0.7% |
| Flagstar Bank, FSB | $565,000 | $1,590,000 | 181.4% | 0.7% |
| DATCU | $695,000 | $1,575,000 | 126.6% | 0.7% |
| MORTGAGE FINANCIAL SERVICES, LLC | $2,870,000 | $1,420,000 | -50.5% | 0.6% |
| Plains Commerce Bank | $360,000 | $1,335,000 | 270.8% | 0.6% |
| NFM, INC. | $360,000 | $1,245,000 | 245.8% | 0.5% |
| NP, Inc. | $1,235,000 | n/a | 0.5% | |
| Wells Fargo Bank | $2,400,000 | $1,230,000 | -48.8% | 0.5% |
| CMG MORTGAGE, INC. | $1,510,000 | $1,145,000 | -24.2% | 0.5% |
| NEWREZ LLC | $860,000 | $1,140,000 | 32.6% | 0.5% |
| Frost Bank | $1,080,000 | $1,120,000 | 3.7% | 0.5% |
| Farm Credit Mid-America, ACA | $1,060,000 | n/a | 0.5% | |
| Ciera Bank | $295,000 | $1,045,000 | 254.2% | 0.4% |
| Amarillo National Bank | $990,000 | n/a | 0.4% | |
| BROKER SOLUTIONS, INC. | $135,000 | $935,000 | 592.6% | 0.4% |
| MOVEMENT MORTGAGE, LLC | $920,000 | n/a | 0.4% | |
| TRIAD FINANCIAL SERVICES, INC. | $985,000 | $895,000 | -9.1% | 0.4% |
| HOMESIDE FINANCIAL, LLC | $325,000 | $850,000 | 161.5% | 0.4% |
| NAVY FEDERAL CREDIT UNION | $205,000 | $845,000 | 312.2% | 0.4% |
| CommunityBank of Texas, N.A. | $825,000 | n/a | 0.4% | |
| Arvest Bank | $820,000 | n/a | 0.4% | |
| SOUTHWEST STAGE FUNDING, LLC | $830,000 | $815,000 | -1.8% | 0.4% |
| Texas Bank and Trust Company | $815,000 | n/a | 0.4% | |
| SECURITYNATIONAL MORTGAGE COMPANY | $1,235,000 | $810,000 | -34.4% | 0.3% |
| CANOPY MORTGAGE, LLC | $805,000 | n/a | 0.3% | |
| AmeriHome Mortgage Company, LLC | $460,000 | $785,000 | 70.7% | 0.3% |
| MASON MCDUFFIE MORTGAGE CORPORATION | $765,000 | n/a | 0.3% | |
| Guaranty Bank & Trust, N.A. | $455,000 | $760,000 | 67.0% | 0.3% |
| Encompass Lending Group, LP | $425,000 | $740,000 | 74.1% | 0.3% |
| PointBank | $1,880,000 | $730,000 | -61.2% | 0.3% |
| Prosperity Home Mortgage, LLC | $710,000 | $690,000 | -2.8% | 0.3% |
| CHURCHILL MORTGAGE CORPORATION | $685,000 | n/a | 0.3% | |
| First National Bank of America | $685,000 | n/a | 0.3% | |
| Gateway First Bank | $675,000 | $675,000 | 0.0% | 0.3% |
| PNC Bank | $220,000 | $665,000 | 202.3% | 0.3% |
| INTELLILOAN, INC. | $660,000 | n/a | 0.3% | |
| FLAT BRANCH MORTGAGE, INC. | $640,000 | n/a | 0.3% | |
| MORTGAGE ACCESS CORP. | $625,000 | n/a | 0.3% | |
| Stifel Bank and Trust | $615,000 | n/a | 0.3% | |
| LOANDEPOT.COM, LLC | $1,475,000 | $610,000 | -58.6% | 0.3% |
| AMERICAN FINANCIAL NETWORK, INC. | $610,000 | $600,000 | -1.6% | 0.3% |
| Texas Security Bank | $1,155,000 | $600,000 | -48.1% | 0.3% |
| Bank of America | $3,300,000 | $595,000 | -82.0% | 0.3% |
| CARDINAL FINANCIAL | $2,930,000 | $565,000 | -80.7% | 0.2% |
| BancorpSouth | $1,455,000 | $550,000 | -62.2% | 0.2% |
| AMERICAN FINANCING CORPORATION | $525,000 | $545,000 | 3.8% | 0.2% |
| First Horizon Bank | $155,000 | $545,000 | 251.6% | 0.2% |
| PlainsCapital Bank | $545,000 | n/a | 0.2% | |
| LOANPEOPLE, LLC | $1,630,000 | $540,000 | -66.9% | 0.2% |
| First Option Mortgage, LLC | $535,000 | n/a | 0.2% | |
| UNION SQUARE | $535,000 | n/a | 0.2% | |
| North Dallas Bank & Trust Co. | $525,000 | n/a | 0.2% | |
| S1L, Inc. | $1,420,000 | $525,000 | -63.0% | 0.2% |
| Town Square Mortgage & Investments, Inc. | $1,695,000 | $505,000 | -70.2% | 0.2% |
| Veritex Community Bank | $505,000 | n/a | 0.2% | |
| Simmons Bank | $280,000 | $500,000 | 78.6% | 0.2% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $315,000 | $495,000 | 57.1% | 0.2% |
| Centennial Bank | $445,000 | $485,000 | 9.0% | 0.2% |
| Carrington Mortgage Services, LLC | $480,000 | n/a | 0.2% | |
| AMERICAN PORTFOLIO MORTGAGE CORPORATION | $265,000 | $470,000 | 77.4% | 0.2% |
| Equity Prime Mortgage LLC | $520,000 | $470,000 | -9.6% | 0.2% |
| KBHS HOME LOANS, LLC | $455,000 | n/a | 0.2% | |
| LENDINGHOME FUNDING CORPORATION | $135,000 | $450,000 | 233.3% | 0.2% |
| SFMC, LP | $2,085,000 | $440,000 | -78.9% | 0.2% |
| Valliance Bank | $675,000 | $440,000 | -34.8% | 0.2% |
| FIRST COMMUNITY MORTGAGE, INC. | $395,000 | n/a | 0.2% | |
| VILLAGE CAPITAL MORTGAGE | $395,000 | n/a | 0.2% | |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $375,000 | $385,000 | 2.7% | 0.2% |
| A&D Mortgage LLC | $125,000 | $365,000 | 192.0% | 0.2% |
| FBC MORTGAGE, LLC | $365,000 | n/a | 0.2% | |
| CORNERSTONE HOME LENDING, INC. | $580,000 | $355,000 | -38.8% | 0.2% |
| LEADERONE FINANCIAL CORPORATION | $355,000 | n/a | 0.2% | |
| Vista Bank | $345,000 | n/a | 0.1% | |
| City Lending Inc. | $335,000 | n/a | 0.1% | |
| UNITED BUILT HOMES, L.L.C. | $750,000 | $335,000 | -55.3% | 0.1% |
| PHH Mortgage Corporation | $330,000 | n/a | 0.1% | |
| Network Funding, L.P. | $95,000 | $325,000 | 242.1% | 0.1% |
| PLAZA HOME MORTGAGE, INC. | $670,000 | $325,000 | -51.5% | 0.1% |
| CRESTMARK MORTGAGE COMPANY, LTD. | $315,000 | n/a | 0.1% | |
| Goldwater Bank, N.A. | $315,000 | n/a | 0.1% | |
| ALAMEDA MORTGAGE CORPORATION | $305,000 | n/a | 0.1% | |
| Bank of England | $305,000 | n/a | 0.1% | |
| The First National Bank of Albany | $305,000 | n/a | 0.1% | |
| USAA Federal Savings Bank | $490,000 | $305,000 | -37.8% | 0.1% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $405,000 | $295,000 | -27.2% | 0.1% |
| LOANPAL, LLC | $65,000 | $290,000 | 346.2% | 0.1% |
| Firefighters First Federal Credit Union | $285,000 | n/a | 0.1% | |
| Alcova Mortgage LLC | $275,000 | n/a | 0.1% | |
| INTEGRITY MORTGAGE CORPORATION OF TEXAS | $275,000 | n/a | 0.1% | |
| GARDNER FINANCIAL SERVICES, LTD. | $135,000 | $265,000 | 96.3% | 0.1% |
| TEXAS DOW EMPLOYEES CREDIT UNION | $255,000 | n/a | 0.1% | |
| ZILLOW HOME LOANS, LLC | $410,000 | $255,000 | -37.8% | 0.1% |
| First Financial Bank | $995,000 | $250,000 | -74.9% | 0.1% |
| Inwood National Bank | $250,000 | n/a | 0.1% | |
| TEXANS | $250,000 | n/a | 0.1% | |
| CERTIFIED FUNDING, L.P. | $245,000 | n/a | 0.1% | |
| HOMESPIRE MORTGAGE CORPORATION | $355,000 | $245,000 | -31.0% | 0.1% |
| FIRST COMMUNITY CREDIT UNION | $225,000 | n/a | 0.1% | |
| Loan Simple, Inc. | $225,000 | n/a | 0.1% | |
| Armstrong Bank | $215,000 | n/a | 0.1% | |
| Citizens State Bank | $215,000 | n/a | 0.1% | |
| LIBERTY HOME MORTGAGE CORPORATION | $215,000 | n/a | 0.1% | |
| MID AMERICA MORTGAGE, INC. | $345,000 | $210,000 | -39.1% | 0.1% |
| AMERISAVE MORTGAGE CORPORATION | $260,000 | $205,000 | -21.2% | 0.1% |
| RANDOLPH-BROOKS | $55,000 | $205,000 | 272.7% | 0.1% |
| FirstBank | $190,000 | n/a | 0.1% | |
| Century Mortgage Company DBA Century Lending Company | $760,000 | $185,000 | -75.7% | 0.1% |
| Credit Union of Texas | $435,000 | $180,000 | -58.6% | 0.1% |
| AMERICAN HERITAGE LENDING, INC. | $1,270,000 | $165,000 | -87.0% | 0.1% |
| GENEVA FINANCIAL, LLC | $165,000 | n/a | 0.1% | |
| UNION HOME MORTGAGE CORP. | $155,000 | n/a | 0.1% | |
| CREDIT HUMAN FEDERAL CREDIT UNION | $135,000 | n/a | 0.1% | |
| HOMEXPRESS MORTGAGE CORP. | $135,000 | n/a | 0.1% | |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $530,000 | $135,000 | -74.5% | 0.1% |
| LONGBRIDGE FINANCIAL, LLC | $125,000 | n/a | 0.1% | |
| MUTUAL OF OMAHA MORTGAGE, INC. | $915,000 | $105,000 | -88.5% | 0.0% |
| The Loan Store, Inc. | $105,000 | n/a | 0.0% | |
| BOKF | $155,000 | $65,000 | -58.1% | 0.0% |
| Figure Lending LLC | $65,000 | n/a | 0.0% | |
| International Bank of Commerce | $125,000 | $65,000 | -48.0% | 0.0% |
| ROYAL UNITED MORTGAGE LLC | $305,000 | $65,000 | -78.7% | 0.0% |
| Discover Bank | $55,000 | n/a | 0.0% | |
| United Texas Credit Union | $45,000 | n/a | 0.0% |
Gainesville's top lender by overall market share is American National Bank & Trust, with 9.6% market share. In second place, with 9.1%, is First State Bank, having originated $21,085,000 in loans. In third place, with 6.3%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $14,615,000 in loans. In fourth place, with 5.4%, is First United Bank and Trust Company, having originated $12,440,000 in loans. In fifth place, with 5.0%, is GUILD MORTGAGE COMPANY, having originated $11,605,000 in loans.
Gainesville, TX Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 519 | $166,315,000 | $320,453 |
| Cash Out Refi | 94 | $31,640,000 | $336,596 |
| Refi | 71 | $20,695,000 | $291,479 |
| Other | 56 | $9,190,000 | $164,107 |
| Home Improvement | 25 | $4,605,000 | $184,200 |
Gainesville's most frequently cited loan purpose was Home Purchase, with 519 originations. The 2nd most popular reason was Cash Out Refi, with 94 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 315 | $97,375,000 | $309,127 |
| 7-8% | 190 | $61,020,000 | $321,158 |
| Over 8% | 124 | $24,180,000 | $195,000 |
| 5-6% | 101 | $32,815,000 | $324,901 |
| 4-5% | 13 | $3,665,000 | $281,923 |
| <2.5% | 4 | $30,000 | $7,500 |
During 2024, Gainesville's most frequently originated rate bucket was 6-7%, with 315 originations.
Loan Sizing (Gainesville, TX MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 361 | $102,035,000 | $282,645 |
| $100k-200k | 177 | $26,545,000 | $149,972 |
| $400k-600k | 100 | $48,140,000 | $481,400 |
| $100,000 or less | 72 | $4,550,000 | $63,194 |
| $600k-1000k | 44 | $31,620,000 | $718,636 |
| $Over $1MM | 11 | $19,555,000 | $1,777,727 |
Gainesville's loan sizing saw the bucket of loans from $200k-400k with 361 originations, totaling $102,035,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 333 | $101,355,000 | $304,369 |
| 60-80% | 191 | $65,825,000 | $344,634 |
| 40-60% | 89 | $26,295,000 | $295,449 |
| 20-40% | 69 | $13,825,000 | $200,362 |
| Under 20% | 38 | $2,860,000 | $75,263 |
| Over 100% | 17 | $5,225,000 | $307,353 |
Gainesville's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 333 originations, totaling $101,355,000 in origination value.