Gainesville Mortgage Rates & Closing Costs

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

30 Year Fixed Rate mortgages in Gainesville averaged 6.9% 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%
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.).

Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
American National Bank & Trust 40 7.10% $7,156
First State Bank 39 6.79% $5,957
UNITED WHOLESALE MORTGAGE, LLC 22 6.59% $7,867
QUICKEN LOANS, LLC 20 6.98% $7,906
First United Bank and Trust Company 19 6.99% $8,452
GUILD MORTGAGE COMPANY 16 6.90% $8,808
NexBank 7 7.29% $12,039
Independent Bank 7 7.36% $10,040
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 7 6.35% $9,478
PLANET HOME LENDING, LLC 6 6.92% $6,324
Mr. Cooper ( Nationstar Mortgage ) 6 6.87% $9,490
PRIMELENDING, A PLAINSCAPITAL COMPANY 5 7.00% $8,499
PENNYMAC LOAN SERVICES, LLC 4 6.56% $10,554
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 4 6.81% $10,036
CROSSCOUNTRY MORTGAGE, LLC 4 7.06% $11,380
Prosperity Bank 4 7.38% $4,682
EVERETT FINANCIAL, INC. 3 6.63% $10,454
ARK-LA-TEX FINANCIAL SERVICES, LLC. 3 6.92% $7,952
MORTGAGE FINANCIAL SERVICES, LLC 3 6.50% $11,038
JPMorgan Chase Bank 3 6.92% $7,267
First Bank 3 6.42% $12,936
NFM, INC. 3 7.00% $9,867
GUARANTEED RATE, INC. 3 7.00% $14,136
Arvest Bank 2 6.75% $9,645
AMERICAN PORTFOLIO MORTGAGE CORPORATION 2 6.43% $7,486
CARDINAL FINANCIAL 2 7.31% $7,475
CHURCHILL MORTGAGE CORPORATION 2 6.63% $7,688
Farm Credit Mid-America, ACA 2 7.19% $12,276
Flagstar Bank, FSB 2 6.63% $6,689
FREEDOM MORTGAGE CORPORATION 2 8.00% $6,140
HOMESIDE FINANCIAL, LLC 2 6.63% $5,494
NEWREZ LLC 2 6.81% $7,630
Paramount Residential Mortgage Group, Inc. 2 6.56% $7,579
PHH Mortgage Corporation 2 6.49% $5,682
CORNERSTONE HOME LENDING, INC. 1 8.38% $8,732
THE MORTGAGE LINK, INC. 1 6.62% $34,283
UNION HOME MORTGAGE CORP. 1 6.13% $6,551
Gateway First Bank 1 7.50% $24,048
Goldwater Bank, N.A. 1 7.38% $6,156
CMG MORTGAGE, INC. 1 7.13% $18,274
Guaranty Bank & Trust, N.A. 1 7.50% $6,408
City Lending Inc. 1 6.99% $10,849
Carrington Mortgage Services, LLC 1 6.25% $7,675
ALAMEDA MORTGAGE CORPORATION 1 7.63% $6,169
HOMESPIRE MORTGAGE CORPORATION 1 6.63% $13,448
CANOPY MORTGAGE, LLC 1 6.63% $13,131
INTEGRITY MORTGAGE CORPORATION OF TEXAS 1 6.00% $10,004
BROKER SOLUTIONS, INC. 1 6.63% $5,109
KBHS HOME LOANS, LLC 1 5.99% $11,380
LIBERTY HOME MORTGAGE CORPORATION 1 7.38% $6,732
LOANDEPOT.COM, LLC 1 7.13% $8,148
LOANPAL, LLC 1 4.99% $892
LOANPEOPLE, LLC 1 6.63% $7,477
MASON MCDUFFIE MORTGAGE CORPORATION 1 6.49% $8,313
MORTGAGE ACCESS CORP. 1 6.63% $6,718
Bank of England 1 7.13% $7,707
Mortgage Research Center, LLC 1 7.13% $2,699
MOVEMENT MORTGAGE, LLC 1 7.50% $7,554
BancorpSouth 1 7.00% $9,826
NAVY FEDERAL CREDIT UNION 1 7.50% $1,640
Veritex Community Bank 1 6.25% $12,780
21ST MORTGAGE CORPORATION 1 8.89% $7,923
AMERISAVE MORTGAGE CORPORATION 1 7.13% $6,135
North Dallas Bank & Trust Co. 1 6.88% $6,224
NP, Inc. 1 8.25% $25,061
Wells Fargo Bank 1 6.25% $15,019
AmeriHome Mortgage Company, LLC 1 6.50% $6,497
ZILLOW HOME LOANS, LLC 1 6.38% $6,403
Plains Commerce Bank 1 5.13% $6,288
AMERICAN HERITAGE LENDING, INC. 1 9.88% $6,503
PNC Bank 1 6.50% $3,186
AMERICAN FINANCING CORPORATION 1 6.13% $12,555
AMERICAN FINANCIAL NETWORK, INC. 1 7.50% $2,572
PROVIDENT FUNDING ASSOCIATES, L.P. 1 6.13% $5,922
Amarillo National Bank 1 6.00% $9,328
S1L, Inc. 1 6.63% $15,095
SECURITYNATIONAL MORTGAGE COMPANY 1 6.63% $11,631
SFMC, LP 1 7.38% $3,664
Sierra Pacific Mortgage Company, Inc. 1 7.25% $19,919
Simmons Bank 1 7.63% $7,459
Stifel Bank and Trust 1 6.63% $2,339
TEXANS 1 6.63% $7,913
TEXAS DOW EMPLOYEES CREDIT UNION 1 7.50% $5,760
Encompass Lending Group, LP 1 6.38% $7,515
The Loan Store, Inc. 1 7.75% $5,537
Firefighters First Federal Credit Union 1 7.00% $6,912
DHI MORTGAGE COMPANY, LTD. 1 5.99% $3,558
First Financial Bank 1 7.85% $4,338
First Horizon Bank 1 7.13% $7,286
DATCU 1 6.50% $5,170

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.