Gainesville Mortgage Rates

30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

30 Year Fixed Rate mortgages in Gainesville averaged 5.91% for the week of 2022-06-23, compared to the national average of 5.81% for the same period.

The average rate for the prior week (2022-06-16) was 6.28% and one month ago for the week of 2022-05-19, the average rate was 5.35%.

Gainesville's average rate one year ago was 3.08%.

For refis of the same type during the week of 2022-06-23, the average rate was 5.97%.

Loan Type Date Rate
US 30 Year Fixed Rate 2022-06-23 5.81%
Gainesville 30 Year Fixed Rate 2022-06-23 5.91%
Gainesville 30 Year Fixed Rate Refi 2022-06-23 5.97%
Gainesville 15 Year Fixed Rate 2022-06-23 5.63%
Gainesville 15 Year Fixed Rate Refi 2022-06-23 4.96%
Gainesville 30 Year FHA 2022-06-23 0.21%
Gainesville 30 Year FHA Refi 2022-06-23 0.12%
Gainesville 30 Year USDA 2022-06-23 -0.14%
Gainesville 30 Year USDA Refi 2022-06-23 3.43%
Gainesville 30 Year VA 2022-06-23 0.31%
Gainesville 30 Year VA Refi 2022-06-23 -0.04%
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 lendor, 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.).

Name # of Loans 2021 Avg. 30yFix Rate 2021 Avg. Total Fees
First State Bank 84 3.00% $5,009
QUICKEN LOANS, LLC 40 3.30% $4,450
GUILD MORTGAGE COMPANY 40 3.03% $6,225
First United Bank and Trust Company 31 3.29% $5,153
Independent Bank 19 3.18% $5,387
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 16 3.26% $5,459
JPMorgan Chase Bank 16 3.00% $4,371
SFMC, LP 12 3.30% $7,096
LOANDEPOT.COM, LLC 12 3.27% $7,265
MORTGAGE FINANCIAL SERVICES, LLC 9 3.04% $5,629
Simmons Bank 8 2.86% $3,504
NexBank 7 2.84% $4,774
MID AMERICA MORTGAGE, INC. 7 3.54% $6,176
GUARANTEED RATE, INC. 7 3.45% $6,872
UNITED WHOLESALE MORTGAGE, LLC 7 3.28% $4,800
AMCAP MORTGAGE, LTD. 6 3.58% $5,747
Prosperity Bank 6 2.77% $5,126
NTFN, INC. 6 3.02% $4,344
TIB The Independent Bankersbank 6 3.06% $3,730
DATCU 6 2.96% $3,537
NEWREZ LLC 6 3.35% $4,930
PENNYMAC LOAN SERVICES, LLC 6 3.17% $4,835
PRIMARY RESIDENTIAL MORTGAGE, INC. 6 3.18% $5,261
HOME POINT FINANCIAL CORPORATION 5 2.92% $6,207
Wells Fargo Bank 5 3.45% $4,724
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 5 3.15% $4,915
BETTER MORTGAGE CORPORATION 5 2.90% $3,960
CALIBER HOME LOANS, INC. 5 3.42% $6,468
First Financial Bank 4 3.50% $6,674
MOVEMENT MORTGAGE, LLC 4 2.86% $5,558
MUTUAL OF OMAHA MORTGAGE, INC. 4 2.88% $3,182
First Bank 4 3.78% $10,001
SECURITYNATIONAL MORTGAGE COMPANY 4 3.37% $7,257
Flagstar Bank, FSB 4 2.94% $6,142
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 4 3.09% $7,691
CORNERSTONE HOME LENDING, INC. 4 3.03% $4,663
AMERISAVE MORTGAGE CORPORATION 3 3.21% $4,997
Farm Credit Mid-America, ACA 3 3.67% $8,910
City Bank 3 3.13% $6,607
Northpointe Bank 3 3.42% $4,916
First Bank & Trust 3 3.04% $4,535
Goldwater Bank, N.A. 3 3.63% $4,349
EVERETT FINANCIAL, INC. 3 3.21% $2,012
Bank of America 3 2.96% $4,278
Mr. Cooper ( Nationstar Mortgage ) 3 3.42% $7,195
Prosperity Home Mortgage, LLC 3 3.13% $6,915
S1L, Inc. 3 2.96% $6,522
First Guaranty Mortgage Corporation 3 4.00% $4,642
CHERRY CREEK MORTGAGE, LLC 2 3.44% $798
Citizens Bank 2 2.81% $4,513
BancorpSouth Bank 2 3.69% $4,973
HOMESIDE FINANCIAL, LLC 2 3.31% $5,295
Atlantic Home Loans, Inc. 2 3.44% $8,471
CMG MORTGAGE, INC. 2 3.63% $7,612
Colonial Savings, F.A. 2 2.94% $4,011
ASPIRE FINANCIAL, INC. 2 3.25% $6,156
LHM FINANCIAL CORPORATION 2 2.99% $3,049
Nations Lending Corporation 2 3.31% $4,149
ARK-LA-TEX FINANCIAL SERVICES, LLC. 2 3.25% $5,501
SOVEREIGN LENDING GROUP INCORPORATED 2 3.43% $5,569
First Horizon Bank 2 3.38% $5,548
WILLOW BEND MORTGAGE COMPANY, LLC 2 3.31% $10,611
Republic State Mortgage Co. 2 4.13% $4,492
CROSSCOUNTRY MORTGAGE, LLC 2 2.88% $4,480
FREEDOM MORTGAGE CORPORATION 2 3.00% $2,830
Gateway First Bank 2 3.00% $6,084
THRIVE MORTGAGE, LLC 2 3.00% $9,108
PRIMELENDING, A PLAINSCAPITAL COMPANY 2 3.88% $5,183
Truist Bank 2 3.06% $4,900
PLAZA HOME MORTGAGE, INC. 2 3.50% $4,635
GSB MORTGAGE, INC. 2 3.00% $4,663
BROKER SOLUTIONS, INC. 2 3.06% $8,235
CELEBRITY HOME LOANS, LLC 2 3.56% $5,753
Zions Bancorporation, N.A. 1 2.38% $10,715
ACADEMY MORTGAGE CORPORATION 1 4.38% $6,317
Ally Bank 1 2.88% $3,571
Amarillo National Bank 1 3.25% $6,983
AMERICAN FINANCIAL NETWORK, INC. 1 3.50% $9,448
AMERICAN FINANCING CORPORATION 1 3.88% $7,115
CAPITAL CONCEPTS, INC. 1 2.99% $10,827
Carrington Mortgage Services, LLC 1 3.50% $2,771
DAS Acquisition Company, LLC 1 3.00% $5,763
Discover Bank 1 3.99% $0
EECU 1 3.88% $4,346
Encompass Lending Group, LP 1 3.25% $8,923
FINANCE OF AMERICA MORTGAGE LLC 1 3.25% $4,437
First Mortgage Solutions, LLC 1 2.75% $3,277
First National Bank 1 3.00% $2,845
GENEVA FINANCIAL, LLC 1 3.50% $4,861
GMFS LLC 1 3.25% $4,592
GREAT WESTERN FINANCIAL SERVICES, INC. 1 4.13% $3,883
GSF Mortgage Corporation 1 2.88% $4,949
Guaranty Bank & Trust, N.A. 1 3.88% $3,738
HANCOCK MORTGAGE PARTNERS, LLC 1 3.00% $7,274
HOMEBRIDGE FINANCIAL SERVICES, INC. 1 3.25% $11,525
INFINITY MORTGAGE HOLDINGS, LLC 1 3.38% $3,371
INTEGRITY MORTGAGE CORPORATION OF TEXAS 1 2.75% $3,213
InterContinental Capital Group, Inc 1 3.00% $2,881
Loan Simple, Inc. 1 4.25% $4,645
Manufacturers and Traders Trust Company 1 4.13% $3,499
Morgan Stanley Private Bank 1 2.90% $6,064
MORTGAGE SOLUTIONS OF COLORADO, LLC 1 2.88% $6,203
NATIONS RELIABLE LENDING, LLC 1 2.88% $7,703
NBKC BANK 1 2.75% $2,097
NETWORK CAPITAL FUNDING CORPORATION 1 3.50% $2,575
Network Funding, L.P. 1 2.99% $3,778
Paramount Residential Mortgage Group, Inc. 1 3.50% $5,929
PHH Mortgage Corporation 1 3.13% $7,159
Prime Choice Funding Inc. 1 2.50% $6,460
RBC Bank, (Georgia) 1 3.13% $3,094
RED DIAMOND HOME LOANS, LLC 1 3.25% $5,217
ROYAL UNITED MORTGAGE LLC 1 3.13% $6,803
SOUTHWEST FUNDING, LP 1 3.75% $11,131
STEARNS LENDING, LLC 1 3.13% $5,559
Strong Home Mortgage, LLC 1 2.75% $840
SUMMIT FUNDING, INC. 1 2.88% $5,626
Sunflower Bank 1 3.25% $4,465
SWBC MORTGAGE CORPORATION 1 3.25% $4,945
TEXANS 1 2.88% $6,849
Texas Bank Financial 1 3.00% $4,976
The Home Loan Expert LLC 1 3.25% $5,090
TIAA, FSB 1 3.38% $14,828
TOP FLITE FINANCIAL, INC. 1 2.88% $8,166
UNION HOME MORTGAGE CORP. 1 3.25% $2,843
UNITED MORTGAGE CORP. 1 3.63% $4,482
U.S. Bank 1 3.13% $5,371
V.I.P. MORTGAGE, INC. 1 2.75% $4,440
Waterstone Mortgage Corporation 1 3.25% $4,648
21ST MORTGAGE CORPORATION 1 6.00% $4,753

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.

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 $559 higher than the next largest lender, QUICKEN LOANS, LLC.

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 Lender Market Share & Volume

Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.

Name 2020 Loan Value 2021 Loan Value % Change 2021 Market Share
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 third place, with 5.4%, is First United Bank and Trust Company, having originated $17,495,000 in loans. In third place, with 3.8%, is Independent Bank, having originated $12,530,000 in loans.


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.


Market Conditions (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 $259,138 (-8.9%) $355,372 (-3.1%) 0.00 93
2018-02-01 $279,900 (-7.3%) $373,380 (0.1%) 0.00 89
2018-03-01 $339,000 (14.4%) $406,582 (7.7%) 0.00 85
2018-04-01 $359,900 (22.0%) $437,921 (15.3%) 0.00 84
2018-05-01 $367,450 (14.9%) $467,809 (7.9%) 0.00 95
2018-06-01 $350,000 (17.4%) $419,457 (-0.4%) 0.00 113
2018-07-01 $307,750 (2.9%) $418,215 (5.2%) 0.00 123
2018-08-01 $299,500 (-7.7%) $392,802 (-1.7%) 0.00 131
2018-09-01 $299,500 (-3.4%) $383,570 (-5.4%) 0.00 128
2018-10-01 $260,013 (-13.3%) $360,519 (-9.1%) 0.00 128
2018-11-01 $287,450 (-3.9%) $375,758 (-7.4%) 0.00 122
2018-12-01 $275,000 (5.8%) $368,677 (-5.5%) 0.00 122
2019-01-01 $249,950 (-3.6%) $357,197 (0.5%) 0.00 109
2019-02-01 $270,676 (-3.3%) $368,810 (-1.2%) 0.00 112
2019-03-01 $270,365 (-20.3%) $369,121 (-9.2%) 0.00 118
2019-04-01 $270,365 (-24.9%) $372,418 (-15.0%) 0.00 131
2019-05-01 $280,450 (-23.7%) $347,003 (-25.8%) 0.00 133
2019-06-01 $295,000 (-15.7%) $365,908 (-12.8%) 0.00 137
2019-07-01 $298,500 (-3.0%) $365,943 (-12.5%) 0.00 142
2019-08-01 $294,529 (-1.7%) $359,625 (-8.5%) 0.00 142
2019-09-01 $289,900 (-3.2%) $359,513 (-6.3%) 0.00 141
2019-10-01 $289,900 (11.5%) $370,333 (2.7%) 0.00 139
2019-11-01 $309,900 (7.8%) $370,809 (-1.3%) 0.00 127
2019-12-01 $289,750 (5.4%) $359,089 (-2.6%) 0.00 116
2020-01-01 $315,000 (26.0%) $368,367 (3.1%) 0.00 113
2020-02-01 $264,900 (-2.1%) $334,802 (-9.2%) 0.00 118
2020-03-01 $271,200 (0.3%) $330,761 (-10.4%) 0.00 135
2020-04-01 $279,627 (3.4%) $331,856 (-10.9%) 0.00 132
2020-05-01 $285,900 (1.9%) $345,242 (-0.5%) 0.00 123
2020-06-01 $289,750 (-1.8%) $356,728 (-2.5%) 0.00 106
2020-07-01 $299,900 (0.5%) $376,326 (2.8%) 0.00 97
2020-08-01 $315,000 (7.0%) $363,551 (1.1%) 0.00 82
2020-09-01 $324,999 (12.1%) $345,238 (-4.0%) 0.00 74
2020-10-01 $325,000 (12.1%) $353,591 (-4.5%) 0.00 63
2020-11-01 $324,900 (4.8%) $359,609 (-3.0%) 0.00 53
2020-12-01 $322,450 (11.3%) $371,617 (3.5%) 0.00 50
2021-01-01 $298,829 (-5.1%) $359,364 (-2.4%) 0.00 44
2021-02-01 $326,000 (23.1%) $371,283 (10.9%) 0.00 36
2021-03-01 $327,000 (20.6%) $368,589 (11.4%) 0.00 22
2021-04-01 $360,450 (28.9%) $380,363 (14.6%) 0.00 23
2021-05-01 $289,000 (1.1%) $527,219 (52.7%) 0.00 37
2021-06-01 $244,500 (-15.6%) $458,501 (28.5%) 0.00 51
2021-07-01 $170,680 (-43.1%) $350,575 (-6.8%) 0.00 96
2021-08-01 $161,180 (-48.8%) $328,075 (-9.8%) 0.00 93
2021-09-01 $174,450 (-46.3%) $362,915 (5.1%) 0.00 75
2021-10-01 $279,900 (-13.9%) $427,066 (20.8%) 0.00 54
2021-11-01 $296,750 (-8.7%) $515,105 (43.2%) 0.00 48
2021-12-01 $279,450 (-13.3%) $489,793 (31.8%) 0.00 40
2022-01-01 $272,900 (-8.7%) $484,188 (34.7%) 0.00 34
2022-02-01 $329,900 (1.2%) $635,368 (71.1%) 0.00 21
2022-03-01 $344,750 (5.4%) $706,991 (91.8%) 0.00 24
2022-04-01 $334,900 (-7.1%) $707,889 (86.1%) 0.00 35
2022-05-01 $335,401 (16.1%) $654,274 (24.1%) 0.00 43
Gainesville's median listing price for 2022-05-01 was $335,401, a difference of $46,401 (16.1%) versus the prior year and $501 versus the prior month.

Gainesville's median listing price comes in at 0% of the national average.

Gainesville's average listing price for 2022-05-01 was $654,274, a difference of $127,055 (24.1%) versus the prior year and $-53,615 versus the prior month.

For the 2022-05-01 period, Gainesville had 43 MLS listings, a difference of 8 listings (23%) versus the prior month and 6 listings (16%) 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 2,029 sqft
2018-02-01 0 days 2,069 sqft
2018-03-01 0 days 2,240 sqft
2018-04-01 0 days 2,240 sqft
2018-05-01 0 days 2,419 sqft
2018-06-01 0 days 2,311 sqft
2018-07-01 0 days 2,285 sqft
2018-08-01 0 days 2,264 sqft
2018-09-01 0 days 2,187 sqft
2018-10-01 0 days 2,108 sqft
2018-11-01 0 days 2,092 sqft
2018-12-01 0 days 2,040 sqft
2019-01-01 0 days 2,025 sqft
2019-02-01 0 days 2,040 sqft
2019-03-01 0 days 2,067 sqft
2019-04-01 0 days 2,098 sqft
2019-05-01 0 days 2,038 sqft
2019-06-01 0 days 2,161 sqft
2019-07-01 0 days 2,166 sqft
2019-08-01 0 days 2,103 sqft
2019-09-01 0 days 2,036 sqft
2019-10-01 0 days 2,009 sqft
2019-11-01 0 days 2,142 sqft
2019-12-01 0 days 2,182 sqft
2020-01-01 0 days 2,185 sqft
2020-02-01 0 days 1,984 sqft
2020-03-01 0 days 1,946 sqft
2020-04-01 0 days 2,047 sqft
2020-05-01 0 days 2,080 sqft
2020-06-01 0 days 2,089 sqft
2020-07-01 0 days 2,128 sqft
2020-08-01 0 days 2,115 sqft
2020-09-01 0 days 2,115 sqft
2020-10-01 0 days 2,162 sqft
2020-11-01 0 days 2,092 sqft
2020-12-01 0 days 2,085 sqft
2021-01-01 0 days 2,079 sqft
2021-02-01 0 days 2,068 sqft
2021-03-01 0 days 2,200 sqft
2021-04-01 0 days 2,144 sqft
2021-05-01 0 days 1,893 sqft
2021-06-01 0 days 1,672 sqft
2021-07-01 0 days 1,234 sqft
2021-08-01 0 days 1,280 sqft
2021-09-01 0 days 1,374 sqft
2021-10-01 0 days 1,948 sqft
2021-11-01 0 days 1,885 sqft
2021-12-01 0 days 1,908 sqft
2022-01-01 0 days 1,777 sqft
2022-02-01 0 days 1,689 sqft
2022-03-01 0 days 1,941 sqft
2022-04-01 0 days 2,001 sqft
2022-05-01 0 days 1,994 sqft
Gainesville's median listing age (time on market) for 2022-05-01 was 0 days.

Gainesville's median square footage for active listings during the 2022-05-01 period was 1,994 sqft. One year prior, the average listing was 1,893 sqft.