Granbury Mortgage Rates & Closing Costs

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

30 Year Fixed Rate mortgages in Granbury averaged 7.04% for the week of 2023-09-21, compared to the national average of 7.19% for the same period.

The average rate for the prior week (2023-09-14) was 7.13% and one month ago for the week of 2023-08-17, the average rate was 7.14%.

Granbury's average rate one year ago was 5.97%.

For refis of the same type during the week of 2023-09-21, the average rate was 6.5%.

Loan Type Date Rate
US 30 Year Fixed Rate 2023-09-21 7.19%
Granbury 30 Year Fixed Rate 2023-09-21 7.04%
Granbury 30 Year Fixed Rate Refi 2023-09-21 6.5%
Granbury 15 Year Fixed Rate 2023-09-21 6.64%
Granbury 15 Year Fixed Rate Refi 2023-09-21 7.14%
Granbury 30 Year FHA 2023-09-21 7.14%
Granbury 30 Year FHA Refi 2023-09-21 6.94%
Granbury 30 Year USDA 2023-09-21 7.02%
Granbury 30 Year USDA Refi 2023-09-21 7.02%
Granbury 30 Year VA 2023-09-21 6.52%
Granbury 30 Year VA Refi 2023-09-21 6.62%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Granbury, TX.

Granbury 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 Granbury, 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 2022 Avg. 30yFix Rate 2022 Avg. Closing Costs
QUICKEN LOANS, LLC 74 4.87% $7,082
First Financial Bank 50 4.87% $5,618
SFMC, LP 44 5.27% $9,291
GUILD MORTGAGE COMPANY 40 5.29% $7,374
UNITED WHOLESALE MORTGAGE, LLC 33 5.22% $9,481
JPMorgan Chase Bank 30 4.77% $9,262
CARDINAL FINANCIAL 30 5.65% $8,470
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 29 4.61% $6,101
ARK-LA-TEX FINANCIAL SERVICES, LLC. 25 5.10% $7,539
CALIBER HOME LOANS, INC. 24 5.37% $9,686
PRIMELENDING, A PLAINSCAPITAL COMPANY 23 5.02% $6,245
Gateway First Bank 21 5.19% $8,988
Wells Fargo Bank 19 4.57% $4,140
EVERETT FINANCIAL, INC. 19 4.97% $3,920
ASPIRE FINANCIAL, INC. 15 4.90% $7,556
ACADEMY MORTGAGE CORPORATION 13 5.13% $5,866
Mr. Cooper ( Nationstar Mortgage ) 13 4.59% $10,865
InterBank 10 3.95% $4,546
LOANDEPOT.COM, LLC 10 5.38% $7,667
PENNYMAC LOAN SERVICES, LLC 10 4.46% $9,935
Prosperity Bank 9 4.96% $5,046
Paramount Residential Mortgage Group, Inc. 9 5.18% $9,753
Flagstar Bank, FSB 9 4.88% $6,414
AMERISAVE MORTGAGE CORPORATION 7 3.95% $8,338
AmeriHome Mortgage Company, LLC 7 4.82% $5,502
CROSSCOUNTRY MORTGAGE, LLC 7 5.81% $8,620
AMCAP MORTGAGE, LTD. 7 5.52% $13,242
First United Bank and Trust Company 7 4.79% $5,951
MORTGAGE FINANCIAL SERVICES, LLC 7 4.73% $9,795
BROKER SOLUTIONS, INC. 6 5.12% $8,995
City Bank 6 5.02% $6,514
CHURCHILL MORTGAGE CORPORATION 6 4.92% $4,663
NEWREZ LLC 5 5.25% $6,257
21ST MORTGAGE CORPORATION 5 6.76% $6,565
BOKF 5 4.70% $6,039
Affiliated Bank 5 6.38% $7,986
HOME POINT FINANCIAL CORPORATION 5 4.87% $8,699
Citizens Bank 5 5.38% $5,272
GUARANTEED RATE, INC. 5 5.42% $8,325
CMG MORTGAGE, INC. 5 5.07% $9,554
Colonial Savings, F.A. 5 4.28% $6,151
FREEDOM MORTGAGE CORPORATION 5 4.70% $5,740
PNC Bank 4 4.31% $3,959
SENTE MORTGAGE, INC. 4 5.34% $6,087
SECURITYNATIONAL MORTGAGE COMPANY 4 5.03% $8,530
UNITED MORTGAGE CORP 4 5.09% $7,367
Centennial Bank 4 3.91% $6,552
KELLER MORTGAGE, LLC 4 4.00% $4,142
NAVY FEDERAL CREDIT UNION 4 4.53% $6,288
First Guaranty Mortgage Corporation 4 5.13% $5,425
SWBC MORTGAGE CORPORATION 4 5.51% $8,652
Bank of America 4 4.44% $6,928
Truist 4 4.00% $4,275
NexBank 3 6.46% $7,098
ANGEL OAK MORTGAGE SOLUTIONS LLC 3 6.62% $8,450
Bank of Colorado 3 5.08% $4,218
Chicago Mortgage Solutions LLC 3 4.03% $4,768
EECU 3 5.75% $5,269
FINANCE OF AMERICA MORTGAGE LLC 3 4.54% $5,041
First Bank & Trust 3 3.96% $6,548
FIRST CENTENNIAL MORTGAGE CORPORATION 3 4.21% $5,241
First National Bank 3 4.58% $5,957
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 3 5.29% $6,016
Independent Bank 3 6.04% $4,885
Prosperity Home Mortgage, LLC 3 4.63% $5,182
RANDOLPH-BROOKS 3 3.38% $2,492
THRIVE MORTGAGE, LLC 3 4.54% $7,445
Town Square Mortgage & Investments, Inc. 3 5.67% $6,478
Watermark Capital, Inc. 3 5.17% $4,688
AMERICAN PACIFIC MORTGAGE CORPORATION 2 6.88% $8,551
American National Bank & Trust 2 5.75% $5,644
AMERICAN FINANCING CORPORATION 2 4.38% $6,732
Sierra Pacific Mortgage Company, Inc. 2 4.93% $12,278
GMFS LLC 2 4.56% $11,653
Bank of England 2 4.75% $8,871
SOUTHWEST FUNDING, LP 2 6.50% $12,941
HOMEBRIDGE FINANCIAL SERVICES, INC. 2 4.44% $8,619
BETTER MORTGAGE CORPORATION 2 3.69% $3,744
PHH Mortgage Corporation 2 3.50% $10,097
V.I.P. MORTGAGE, INC. 2 6.19% $11,937
Beeline Loans, Inc. 2 4.56% $5,449
PLANET HOME LENDING, LLC 2 4.63% $5,909
NBH Bank 2 5.63% $6,022
T2 FINANCIAL LLC 2 6.75% $6,559
TARRANT COUNTY'S CREDIT UNION 2 4.25% $6,074
TEXAS DOW EMPLOYEES CREDIT UNION 2 3.50% $5,899
Texas Mortgage Lending, LLC 2 4.37% $4,006
CHERRY CREEK MORTGAGE, LLC 2 5.13% $4,909
Magnolia Bank 2 5.69% $11,361
The Central Trust Bank 2 4.13% $2,981
WILLOW BEND MORTGAGE COMPANY, LLC 2 4.88% $6,364
ANGEL OAK HOME LOANS LLC 2 4.75% $10,581
BAY EQUITY LLC 2 4.88% $4,019
Trinity Oaks Mortgage, LLC 2 5.00% $7,254
AMPLIFY 2 4.50% $8,312
Ally Bank 2 5.94% $3,098
UNION HOME MORTGAGE CORP. 2 4.44% $9,021
Charles Schwab Bank, SSB 2 4.93% $4,598
DHI MORTGAGE COMPANY, LTD. 2 3.06% $5,301
Encompass Lending Group, LP 2 4.87% $6,273
NFM, INC. 2 6.94% $6,548
EUSTIS AND AMERICAN MORTGAGE COMPANY 2 4.31% $6,889
LAKEVIEW LOAN SERVICING, LLC 2 6.50% $8,953
DRAPER AND KRAMER MORTGAGE CORP. 2 4.75% $8,895
Northpointe Bank 2 4.81% $6,288
Regions Bank 2 5.56% $4,187
RESIDENTIAL BANCORP 2 5.06% $10,711
NTFN, INC. 2 5.13% $7,633
ROYAL UNITED MORTGAGE LLC 2 5.88% $18,975
GUARANTEED RATE AFFINITY, LLC 2 5.95% $6,893
PENTAGON FEDERAL CREDIT UNION 1 3.00% $2,010
PILGRIM MORTGAGE LLC 1 6.50% $6,837
Plains Commerce Bank 1 6.25% $6,406
PLAZA HOME MORTGAGE, INC. 1 3.25% $14,032
Assurance Financial Group, L.L.C. 1 4.25% $8,700
Armed Forces Bank 1 4.88% $5,049
Zions Bank 1 3.50% $3,832
AAXY L.L.C. 1 2.75% $4,030
Raymond James Bank 1 4.13% $6,038
R Bank 1 3.00% $21,820
RCB Bank 1 6.13% $4,464
RED DIAMOND HOME LOANS, LLC 1 4.75% $8,841
Residential Mortgage Solutions, Inc. 1 5.50% $10,951
S1L, Inc. 1 3.99% $5,666
Simmons Bank 1 3.50% $3,377
Southside Bank 1 5.88% $4,955
SOUTHWEST STAGE FUNDING, LLC 1 5.88% $10,041
STAR ONE CREDIT UNION 1 3.63% $7,296
SUCCESS MORTGAGE PARTNERS, INC. 1 4.75% $4,251
SUMMIT FUNDING, INC. 1 2.99% $4,449
Sunflower Bank 1 4.25% $4,610
SUN WEST MORTGAGE COMPANY, INC. 1 3.75% $2,705
American Bank of Oklahoma 1 3.38% $5,084
TEXAS TECH 1 4.00% $6,216
The American National Bank of Texas 1 5.38% $15,455
Wyndham Capital Mortgage, Inc. 1 5.00% $4,941
TRIAD FINANCIAL SERVICES, INC. 1 6.25% $10,654
TruHome Solutions, LLC 1 5.63% $5,256
United Community Bank 1 5.72% $8,255
Allied Federal Credit Union 1 6.63% $7,502
Equity Prime Mortgage LLC 1 6.63% $6,800
EASTMAN 1 4.63% $2,866
FARMERS INSURANCE GROUP FEDERAL CREDIT UNION 1 5.88% $12,529
ALLIANT CREDIT UNION 1 3.88% $7,766
First Bank 1 6.50% $15,650
UNIVERSAL LENDING CORPORATION 1 3.00% $5,293
UNIVERSITY Federal Credit Union 1 4.94% $3,877
DIRECTIONS EQUITY, LLC 1 5.38% $11,181
Discover Bank 1 6.74% $0
U.S. Bank 1 7.63% $6,690
First Savings Bank 1 3.88% $9,476
DEEPHAVEN MORTGAGE LLC 1 4.99% $11,803
FLAT BRANCH MORTGAGE, INC. 1 6.88% $4,826
Florida Capital Bank 1 5.63% $4,592
COMPEER FINANCIAL, FLCA 1 7.25% $2,559
FUNDLOANS CAPITAL 1 4.73% $10,033
COMPASS MORTGAGE, INC. 1 3.75% $7,027
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 1 4.99% $19,062
GREAT WESTERN FINANCIAL SERVICES, INC. 1 3.63% $3,440
GSB MORTGAGE, INC. 1 4.50% $10,974
City National Bank 1 2.89% $5,302
Citibank 1 5.75% $6,750
GULF COAST 1 3.25% $4,915
VANDERBILT MORTGAGE AND FINANCE, INC. 1 5.25% $7,861
HOMEOWNERS FINANCIAL GROUP USA, LLC 1 5.75% $4,039
Citadel Servicing Corporation 1 8.75% $17,507
Hometown Lenders, Inc. 1 3.88% $7,775
HOMEXPRESS MORTGAGE CORP. 1 6.50% $14,988
CERTAINTY HOME LOANS, LLC 1 3.75% $4,861
LEADERONE FINANCIAL CORPORATION 1 7.13% $6,780
Carrington Mortgage Services, LLC 1 5.38% $8,536
LOANPEOPLE, LLC 1 5.62% $12,495
LRS FINANCIAL NETWORK, INC. 1 3.88% $6,854
Luxury Mortgage Corp. 1 3.75% $9,661
MID AMERICA MORTGAGE, INC. 1 3.50% $6,004
Midwest Mortgage Associates Corporation 1 5.63% $6,063
Morgan Stanley Private Bank 1 2.90% $7,549
MORIA DEVELOPMENT, INC. 1 5.38% $8,471
BNY Mellon 1 4.00% $5,196
MORTGAGE SOLUTIONS OF COLORADO, LLC 1 4.13% $14,731
MUTUAL OF OMAHA MORTGAGE, INC. 1 6.63% $6,711
NBKC BANK 1 7.00% $3,644
NETWORK CAPITAL FUNDING CORPORATION 1 5.75% $9,448
Bank of Utah 1 4.63% $7,232
NEXERA HOLDING LLC 1 7.63% $10,293
North American Savings Bank, F.S.B. 1 6.75% $7,291
OCMBC, INC. 1 7.88% $15,902
OPEN MORTGAGE, LLC 1 6.62% $13,184
BancorpSouth 1 5.25% $7,377

Granbury Average Closing Costs & Other Stats

Granbury, TX's 189 lenders originated 2,114 loans during 2022. The total origination value was $604,610,000, with an average loan value of $286,003.

Granbury's average closing costs are $5,908.

The top Granbury lender as defined by loan originations is QUICKEN LOANS, LLC, with 74 loans originated. Their average total fees are $7,082, which is $1,464 higher than the next largest lender, First Financial Bank.

The lowest fee Granbury lenders (with over 10 loans originated) are EVERETT FINANCIAL, INC. ($3,920), Wells Fargo Bank ($4,140), InterBank ($4,546), First Financial Bank ($5,618) and ACADEMY MORTGAGE CORPORATION ($5,866).

The lowest rate Granbury lenders (with over 10 loans originated) are InterBank (3.95%), PENNYMAC LOAN SERVICES, LLC (4.46%), Wells Fargo Bank (4.57%), Mr. Cooper ( Nationstar Mortgage ) (4.59%) and FAIRWAY INDEPENDENT MORTGAGE CORPORATION (4.61%).

Granbury, 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 2021 Loan Value 2022 Loan Value % Change 2022 Market Share
First Financial Bank $53,030,000 $45,035,000 -15.1% 7.4%
The First National Bank of Granbury $54,525,000 $32,850,000 -39.8% 5.4%
QUICKEN LOANS, LLC $57,140,000 $27,560,000 -51.8% 4.6%
SFMC, LP $33,675,000 $21,815,000 -35.2% 3.6%
GUILD MORTGAGE COMPANY $31,180,000 $19,450,000 -37.6% 3.2%
UNITED WHOLESALE MORTGAGE, LLC $14,170,000 $19,125,000 35.0% 3.2%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $17,680,000 $16,045,000 -9.2% 2.7%
JPMorgan Chase Bank $10,845,000 $15,475,000 42.7% 2.6%
Gateway First Bank $27,810,000 $14,395,000 -48.2% 2.4%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $10,070,000 $13,055,000 29.6% 2.2%
PRIMELENDING, A PLAINSCAPITAL COMPANY $16,435,000 $10,930,000 -33.5% 1.8%
CALIBER HOME LOANS, INC. $3,995,000 $10,425,000 161.0% 1.7%
EVERETT FINANCIAL, INC. $8,955,000 $10,055,000 12.3% 1.7%
Wells Fargo Bank $13,220,000 $8,865,000 -32.9% 1.5%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $11,040,000 $8,815,000 -20.2% 1.5%
ACADEMY MORTGAGE CORPORATION $9,510,000 $8,270,000 -13.0% 1.4%
Guaranty Bank & Trust, N.A. $7,610,000 n/a 1.3%
Mortgage Research Center, LLC $10,955,000 $7,440,000 -32.1% 1.2%
Prosperity Bank $3,585,000 $7,330,000 104.5% 1.2%
ASPIRE FINANCIAL, INC. $10,670,000 $7,310,000 -31.5% 1.2%
PENNYMAC LOAN SERVICES, LLC $10,480,000 $6,885,000 -34.3% 1.1%
AMCAP MORTGAGE, LTD. $7,830,000 $6,430,000 -17.9% 1.1%
PNC Bank $460,000 $5,485,000 1,092.4% 0.9%
Mr. Cooper ( Nationstar Mortgage ) $9,325,000 $5,260,000 -43.6% 0.9%
21ST MORTGAGE CORPORATION $6,120,000 $5,005,000 -18.2% 0.8%
Colonial Savings, F.A. $9,415,000 $4,785,000 -49.2% 0.8%
NORTHMARQ CAPITAL FINANCE, L.L.C. $4,655,000 n/a 0.8%
HOME POINT FINANCIAL CORPORATION $4,340,000 $4,235,000 -2.4% 0.7%
GUARANTEED RATE, INC. $7,475,000 $4,200,000 -43.8% 0.7%
Pinnacle Bank $505,000 $4,125,000 716.8% 0.7%
Paramount Residential Mortgage Group, Inc. $1,970,000 $4,035,000 104.8% 0.7%
LOANDEPOT.COM, LLC $14,495,000 $3,990,000 -72.5% 0.7%
First United Bank and Trust Company $6,695,000 $3,965,000 -40.8% 0.7%
MORTGAGE FINANCIAL SERVICES, LLC $3,120,000 $3,870,000 24.0% 0.6%
Citizens National Bank of Texas $825,000 $3,860,000 367.9% 0.6%
FREEDOM MORTGAGE CORPORATION $16,345,000 $3,810,000 -76.7% 0.6%
American Airlines Federal Credit Union $695,000 $3,585,000 415.8% 0.6%
CMG MORTGAGE, INC. $1,935,000 $3,335,000 72.4% 0.6%
AMERISAVE MORTGAGE CORPORATION $4,715,000 $3,330,000 -29.4% 0.6%
NAVY FEDERAL CREDIT UNION $5,665,000 $3,240,000 -42.8% 0.5%
Centennial Bank $3,215,000 n/a 0.5%
InterBank $2,875,000 $3,195,000 11.1% 0.5%
CROSSCOUNTRY MORTGAGE, LLC $4,475,000 $3,010,000 -32.7% 0.5%
American State Bank $3,005,000 n/a 0.5%
BROKER SOLUTIONS, INC. $1,950,000 $2,995,000 53.6% 0.5%
EECU $3,860,000 $2,950,000 -23.6% 0.5%
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. $4,705,000 $2,910,000 -38.2% 0.5%
First National Bank $375,000 $2,680,000 614.7% 0.4%
City Bank $3,135,000 $2,675,000 -14.7% 0.4%
FIRST NATIONAL BANK OF WEATHERFORD $1,005,000 $2,610,000 159.7% 0.4%
Frost Bank $1,215,000 $2,595,000 113.6% 0.4%
Affiliated Bank $5,975,000 $2,540,000 -57.5% 0.4%
Flagstar Bank, FSB $1,915,000 $2,375,000 24.0% 0.4%
Equity Prime Mortgage LLC $780,000 $2,335,000 199.4% 0.4%
BOKF $9,795,000 $2,250,000 -77.0% 0.4%
AmeriHome Mortgage Company, LLC $2,465,000 $2,150,000 -12.8% 0.4%
THRIVE MORTGAGE, LLC $2,150,000 $2,135,000 -0.7% 0.4%
SECURITYNATIONAL MORTGAGE COMPANY $2,560,000 $2,105,000 -17.8% 0.3%
First Guaranty Mortgage Corporation $1,015,000 $2,055,000 102.5% 0.3%
Bank of America $4,615,000 $2,040,000 -55.8% 0.3%
AMERICAN PACIFIC MORTGAGE CORPORATION $2,025,000 n/a 0.3%
SWBC MORTGAGE CORPORATION $3,540,000 $1,960,000 -44.6% 0.3%
Town Square Mortgage & Investments, Inc. $755,000 $1,895,000 151.0% 0.3%
DHI MORTGAGE COMPANY, LTD. $15,600,000 $1,870,000 -88.0% 0.3%
Citizens Bank $1,905,000 $1,865,000 -2.1% 0.3%
First National Bank Texas $515,000 $1,835,000 256.3% 0.3%
Chicago Mortgage Solutions LLC $1,085,000 $1,800,000 65.9% 0.3%
CIVIC FINANCIAL SERVICES, LLC $1,760,000 n/a 0.3%
KELLER MORTGAGE, LLC $4,500,000 $1,705,000 -62.1% 0.3%
GUARANTEED RATE AFFINITY, LLC $215,000 $1,680,000 681.4% 0.3%
LIMA ONE CAPITAL, LLC $295,000 $1,630,000 452.5% 0.3%
CHURCHILL MORTGAGE CORPORATION $3,990,000 $1,620,000 -59.4% 0.3%
USAA Federal Savings Bank $3,200,000 $1,615,000 -49.5% 0.3%
AMPLIFY $150,000 $1,585,000 956.7% 0.3%
Truist $1,090,000 $1,555,000 42.7% 0.3%
FINANCE OF AMERICA REVERSE LLC $410,000 $1,525,000 272.0% 0.3%
First Bank & Trust $935,000 $1,505,000 61.0% 0.2%
ANGEL OAK MORTGAGE SOLUTIONS LLC $420,000 $1,500,000 257.1% 0.2%
BETTER MORTGAGE CORPORATION $7,500,000 $1,465,000 -80.5% 0.2%
PLANET HOME LENDING, LLC $1,970,000 $1,465,000 -25.6% 0.2%
LAKEVIEW LOAN SERVICING, LLC $4,655,000 $1,460,000 -68.6% 0.2%
WILLOW BEND MORTGAGE COMPANY, LLC $3,690,000 $1,445,000 -60.8% 0.2%
SENTE MORTGAGE, INC. $305,000 $1,435,000 370.5% 0.2%
NEWREZ LLC $4,640,000 $1,400,000 -69.8% 0.2%
LHM FINANCIAL CORPORATION $2,520,000 $1,395,000 -44.6% 0.2%
GMFS LLC $1,385,000 n/a 0.2%
AMERICAN ADVISORS GROUP $1,455,000 $1,320,000 -9.3% 0.2%
MUTUAL OF OMAHA MORTGAGE, INC. $1,505,000 $1,320,000 -12.3% 0.2%
Trinity Oaks Mortgage, LLC $1,035,000 $1,320,000 27.5% 0.2%
SUN WEST MORTGAGE COMPANY, INC. $895,000 $1,305,000 45.8% 0.2%
PHH Mortgage Corporation $1,070,000 $1,270,000 18.7% 0.2%
Comerica Bank $1,210,000 n/a 0.2%
Northpointe Bank $1,335,000 $1,190,000 -10.9% 0.2%
OPEN MORTGAGE, LLC $800,000 $1,190,000 48.8% 0.2%
RANDOLPH-BROOKS $290,000 $1,135,000 291.4% 0.2%
DRAPER AND KRAMER MORTGAGE CORP. $690,000 $1,125,000 63.0% 0.2%
NBH Bank $205,000 $1,120,000 446.3% 0.2%
Commercial Bank of Texas $980,000 $1,110,000 13.3% 0.2%
Bank of Colorado $295,000 $1,105,000 274.6% 0.2%
FINANCE OF AMERICA MORTGAGE LLC $765,000 $1,100,000 43.8% 0.2%
Sierra Pacific Mortgage Company, Inc. $1,095,000 n/a 0.2%
Bank of England $965,000 $1,080,000 11.9% 0.2%
MID AMERICA MORTGAGE, INC. $7,870,000 $1,080,000 -86.3% 0.2%
American National Bank & Trust $590,000 $1,075,000 82.2% 0.2%
EUSTIS AND AMERICAN MORTGAGE COMPANY $585,000 $1,040,000 77.8% 0.2%
Southside Bank $4,910,000 $1,035,000 -78.9% 0.2%
UNITED MORTGAGE CORP. $1,045,000 $990,000 -5.3% 0.2%
ROYAL UNITED MORTGAGE LLC $420,000 $980,000 133.3% 0.2%
STAR ONE CREDIT UNION $965,000 n/a 0.2%
Prosperity Home Mortgage, LLC $880,000 $955,000 8.5% 0.2%
FIRST CENTENNIAL MORTGAGE CORPORATION $2,110,000 $945,000 -55.2% 0.2%
Watermark Capital, Inc. $885,000 $940,000 6.2% 0.2%
NexBank $1,205,000 $935,000 -22.4% 0.2%
TRIAD FINANCIAL SERVICES, INC. $935,000 n/a 0.2%
S1L, Inc. $1,510,000 $920,000 -39.1% 0.2%
CHERRY CREEK MORTGAGE, LLC $7,595,000 $910,000 -88.0% 0.2%
ENCORE BANK $910,000 n/a 0.2%
Ally Bank $360,000 $865,000 140.3% 0.1%
NTFN, INC. $1,495,000 $865,000 -42.1% 0.1%
BNY Mellon $855,000 n/a 0.1%
GREAT WESTERN FINANCIAL SERVICES, INC. $2,160,000 $855,000 -60.4% 0.1%
Western Bank $725,000 $855,000 17.9% 0.1%
V.I.P. MORTGAGE, INC. $1,235,000 $820,000 -33.6% 0.1%
PlainsCapital Bank $530,000 $805,000 51.9% 0.1%
Mid-Continent Funding, Inc. $795,000 n/a 0.1%
The American National Bank of Texas $55,000 $775,000 1,309.1% 0.1%
Zions Bancorporation, N.A. $145,000 $755,000 420.7% 0.1%
Magnolia Bank $1,305,000 $750,000 -42.5% 0.1%
BancorpSouth Bank $545,000 $730,000 33.9% 0.1%
Raymond James Bank $725,000 n/a 0.1%
UBank $725,000 n/a 0.1%
Community National Bank $720,000 n/a 0.1%
GSB MORTGAGE, INC. $715,000 n/a 0.1%
Charles Schwab Bank, SSB $725,000 $710,000 -2.1% 0.1%
Carrington Mortgage Services, LLC $855,000 $705,000 -17.5% 0.1%
Community National Bank & Trust of Texas $825,000 $705,000 -14.5% 0.1%
DIRECTIONS EQUITY, LLC $680,000 n/a 0.1%
PLAZA HOME MORTGAGE, INC. $1,230,000 $680,000 -44.7% 0.1%
RESIDENTIAL BANCORP. $680,000 n/a 0.1%
Wyndham Capital Mortgage, Inc. $1,710,000 $670,000 -60.8% 0.1%
Waterstone Mortgage Corporation $870,000 $660,000 -24.1% 0.1%
Independent Bank $3,040,000 $655,000 -78.5% 0.1%
TARRANT COUNTY'S CREDIT UNION $650,000 n/a 0.1%
LRS FINANCIAL NETWORK, INC. $885,000 $645,000 -27.1% 0.1%
COUNTRYPLACE MORTGAGE, LTD. $455,000 $640,000 40.7% 0.1%
HOMEBRIDGE FINANCIAL SERVICES, INC. $1,755,000 $630,000 -64.1% 0.1%
LONGBRIDGE FINANCIAL, LLC $195,000 $630,000 223.1% 0.1%
AMERICAN FINANCING CORPORATION $1,650,000 $625,000 -62.1% 0.1%
U.S. Bank $1,010,000 $625,000 -38.1% 0.1%
Citadel Servicing Corporation $620,000 n/a 0.1%
CORNERSTONE HOME LENDING, INC. $955,000 $610,000 -36.1% 0.1%
Morgan Stanley Private Bank $665,000 $595,000 -10.5% 0.1%
First Bank $705,000 $590,000 -16.3% 0.1%
INTEGRITY MORTGAGE CORPORATION OF TEXAS $695,000 $590,000 -15.1% 0.1%
R Bank $4,220,000 $585,000 -86.1% 0.1%
FARMERS INSURANCE GROUP FEDERAL CREDIT UNION $565,000 n/a 0.1%
COMPASS MORTGAGE, INC. $555,000 n/a 0.1%
PENTAGON FEDERAL CREDIT UNION $960,000 $555,000 -42.2% 0.1%
UNIVERSITY Federal Credit Union $555,000 n/a 0.1%
Credit Union of Texas $485,000 $550,000 13.4% 0.1%
TEXAS DOW EMPLOYEES CREDIT UNION $500,000 $550,000 10.0% 0.1%
PREMIER LENDING, INC. $145,000 $545,000 275.9% 0.1%
Simmons Bank $420,000 $545,000 29.8% 0.1%
ANGEL OAK HOME LOANS LLC $1,395,000 $540,000 -61.3% 0.1%
SOUTHWEST FUNDING, LP $1,435,000 $540,000 -62.4% 0.1%
UNION HOME MORTGAGE CORP. $640,000 $540,000 -15.6% 0.1%
Assurance Financial Group, L.L.C. $515,000 n/a 0.1%
Citibank $515,000 n/a 0.1%
AMERICAN FINANCIAL RESOURCES, INC. $1,000,000 $510,000 -49.0% 0.1%
Encompass Lending Group, LP $715,000 $510,000 -28.7% 0.1%
Plains Commerce Bank $510,000 n/a 0.1%
SPRING EQ, LLC $510,000 n/a 0.1%
ALL REVERSE MORTGAGE, INC. $505,000 n/a 0.1%
First Mid Bank & Trust $505,000 n/a 0.1%
AMWEST FUNDING CORP. $490,000 n/a 0.1%
FORT WORTH COMMUNITY $25,000 $485,000 1,840.0% 0.1%
Nations Lending Corporation $1,810,000 $475,000 -73.8% 0.1%
LENDINGHOME FUNDING CORPORATION $470,000 n/a 0.1%
City National Bank $465,000 n/a 0.1%
FUNDLOANS CAPITAL $465,000 n/a 0.1%
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION $465,000 n/a 0.1%
Merchants Mortgage & Trust Corporation $465,000 n/a 0.1%
The Home Loan Expert LLC $460,000 n/a 0.1%
NFM, INC. $450,000 n/a 0.1%
SUCCESS MORTGAGE PARTNERS, INC. $470,000 $450,000 -4.3% 0.1%
VANDERBILT MORTGAGE AND FINANCE, INC. $450,000 n/a 0.1%
Ciera Bank $435,000 n/a 0.1%
SOUTHWEST STAGE FUNDING, LLC $75,000 $430,000 473.3% 0.1%
Amerifirst Financial, Inc. $650,000 $425,000 -34.6% 0.1%
KeyBank $14,200,000 $425,000 -97.0% 0.1%
The Central Trust Bank $420,000 n/a 0.1%
FLAT BRANCH MORTGAGE, INC. $295,000 $415,000 40.7% 0.1%
HOMEXPRESS MORTGAGE CORP. $415,000 n/a 0.1%
T2 FINANCIAL LLC $410,000 n/a 0.1%
Sunflower Bank $400,000 n/a 0.1%
Texas Mortgage Lending, LLC $665,000 $400,000 -39.8% 0.1%
MORTGAGE SOLUTIONS OF COLORADO, LLC $1,710,000 $395,000 -76.9% 0.1%
Regions Bank $1,455,000 $390,000 -73.2% 0.1%
LOANPEOPLE, LLC $385,000 n/a 0.1%
Florida Capital Bank $375,000 n/a 0.1%
BAY EQUITY LLC $185,000 $370,000 100.0% 0.1%
Beeline Loans, Inc. $215,000 $370,000 72.1% 0.1%
ALLIANT CREDIT UNION $365,000 n/a 0.1%
MICHIGAN MUTUAL, INC. $95,000 $365,000 284.2% 0.1%
OCMBC, INC. $365,000 n/a 0.1%
The Federal Savings Bank $435,000 $365,000 -16.1% 0.1%
Century Mortgage Company DBA Century Lending Company $365,000 $355,000 -2.7% 0.1%
GUARANTY HOME MORTGAGE CORPORATION $415,000 $355,000 -14.5% 0.1%
Residential Mortgage Solutions, Inc. $355,000 n/a 0.1%
MOVEMENT MORTGAGE, LLC $1,845,000 $345,000 -81.3% 0.1%
NETWORK CAPITAL FUNDING CORPORATION $500,000 $345,000 -31.0% 0.1%
United Community Bank $345,000 n/a 0.1%
Alliance Bank $335,000 n/a 0.1%
Discover Bank $240,000 $330,000 37.5% 0.1%
DEEPHAVEN MORTGAGE LLC $325,000 n/a 0.1%
Low VA Rates, LLC $750,000 $325,000 -56.7% 0.1%
RESIDENTIAL WHOLESALE MORTGAGE, INC. $215,000 $325,000 51.2% 0.1%
Amarillo National Bank $315,000 n/a 0.1%
NEXERA HOLDING LLC $315,000 n/a 0.1%
TEXAS TECH $480,000 $315,000 -34.4% 0.1%
INTERLINC MORTGAGE SERVICES, LLC $875,000 $305,000 -65.1% 0.1%
NBKC BANK $2,425,000 $305,000 -87.4% 0.1%
The Bennington State Bank $305,000 n/a 0.1%
AAXY L.L.C. $295,000 n/a 0.0%
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $1,945,000 $295,000 -84.8% 0.0%
Armed Forces Bank $295,000 n/a 0.0%
Chambers Bank $295,000 n/a 0.0%
First Savings Bank $275,000 $295,000 7.3% 0.0%
Neighborhood Loans, Inc. $295,000 n/a 0.0%
TEXAS TRUST $525,000 $295,000 -43.8% 0.0%
Vantage Bank Texas $295,000 n/a 0.0%
American Bank of Oklahoma $285,000 n/a 0.0%
Credence Funding Corporation $285,000 n/a 0.0%
Security State Bank & Trust $65,000 $285,000 338.5% 0.0%
SUMMIT FUNDING, INC. $1,675,000 $285,000 -83.0% 0.0%
LEADERONE FINANCIAL CORPORATION $1,625,000 $275,000 -83.1% 0.0%
RED DIAMOND HOME LOANS, LLC $275,000 n/a 0.0%
RANLIFE, INC. $215,000 $270,000 25.6% 0.0%
AXIA FINANCIAL, LLC $1,720,000 $265,000 -84.6% 0.0%
Bank of Utah $265,000 n/a 0.0%
LENDINGONE, LLC $105,000 $265,000 152.4% 0.0%
WESTCOAST MORTGAGE GROUP AND REALTY COMPANY $265,000 n/a 0.0%
AMERICAN HERITAGE LENDING, INC. $255,000 n/a 0.0%
BANC ONE MORTGAGE CORPORATION $255,000 n/a 0.0%
CERTAINTY HOME LOANS, LLC $4,215,000 $255,000 -94.0% 0.0%
Paramount Bank $255,000 n/a 0.0%
PILGRIM MORTGAGE LLC $255,000 n/a 0.0%
The First National Bank of Albany $1,325,000 $255,000 -80.8% 0.0%
Hometown Lenders, Inc. $95,000 $245,000 157.9% 0.0%
North American Savings Bank, F.S.B. $1,205,000 $245,000 -79.7% 0.0%
The Citizens Bank of Edmond $245,000 n/a 0.0%
Barrington Bank & Trust Company, N.A. $1,880,000 $235,000 -87.5% 0.0%
MASON MCDUFFIE MORTGAGE CORPORATION $235,000 n/a 0.0%
REVERSE MORTGAGE FUNDING LLC $155,000 $235,000 51.6% 0.0%
NATIONS DIRECT MORTGAGE, LLC $665,000 $225,000 -66.2% 0.0%
MORIA DEVELOPMENT, INC. $215,000 n/a 0.0%
NATIONS RELIABLE LENDING, LLC $675,000 $215,000 -68.1% 0.0%
GULF COAST $175,000 n/a 0.0%
RCB Bank $175,000 n/a 0.0%
LIBERTYONE Credit Union $170,000 n/a 0.0%
Loan Simple, Inc. $805,000 $165,000 -79.5% 0.0%
Southwest Airlines Federal Credit Union $315,000 $160,000 -49.2% 0.0%
Cornerstone National Bank & Trust Company $155,000 n/a 0.0%
HOMEOWNERS FINANCIAL GROUP USA, LLC $155,000 n/a 0.0%
Luxury Mortgage Corp. $475,000 $155,000 -67.4% 0.0%
Midwest Mortgage Associates Corporation $1,420,000 $155,000 -89.1% 0.0%
Advisors Mortgage Group, L.L.C. $145,000 n/a 0.0%
Allied Federal Credit Union $135,000 n/a 0.0%
TruHome Solutions, LLC $275,000 $135,000 -50.9% 0.0%
NEXUS SERIES B, LLC $125,000 n/a 0.0%
UNIVERSAL LENDING CORPORATION $125,000 n/a 0.0%
Veritex Community Bank $420,000 $125,000 -70.2% 0.0%
International Bank of Commerce $150,000 $120,000 -20.0% 0.0%
COMPEER FINANCIAL, FLCA $165,000 $115,000 -30.3% 0.0%
LENDSURE MORTGAGE CORP. $115,000 n/a 0.0%
Inwood National Bank $195,000 $105,000 -46.2% 0.0%
CREDIT HUMAN FEDERAL CREDIT UNION $75,000 n/a 0.0%
VILLAGE CAPITAL MORTGAGE $830,000 $75,000 -91.0% 0.0%
EASTMAN $65,000 n/a 0.0%
FirstBank Southwest $65,000 n/a 0.0%
The First National Bank of McGregor $65,000 n/a 0.0%
SECURITY SERVICE $290,000 $45,000 -84.5% 0.0%

Granbury's top lender by overall market share is First Financial Bank, with 7.4% market share. In second place, with 5.4%, is The First National Bank of Granbury, having originated $32,850,000 in loans. In third place, with 4.6%, is QUICKEN LOANS, LLC, having originated $27,560,000 in loans. In fourth place, with 3.6%, is SFMC, LP, having originated $21,815,000 in loans. In fifth place, with 3.2%, is GUILD MORTGAGE COMPANY, having originated $19,450,000 in loans.

Granbury, TX Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 1,364 $426,140,000 $312,419
Cash Out Refi 344 $94,110,000 $273,576
Refi 226 $60,130,000 $266,062
Home Improvement 107 $11,275,000 $105,374
Other 72 $12,830,000 $178,194
NA 1 $125,000 $125,000

Granbury's most frequently cited loan purpose was Home Purchase, with 1,364 originations. The 2nd most popular reason was Cash Out Refi, with 344 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
5-6% 520 $162,530,000 $312,558
3-4% 428 $129,840,000 $303,364
4-5% 425 $129,775,000 $305,353
6-7% 284 $71,830,000 $252,923
7-8% 88 $21,710,000 $246,705
2.5-3% 84 $24,180,000 $287,857
<2.5% 52 $6,530,000 $125,577
Over 8% 44 $6,800,000 $154,545

During 2022, Granbury's most frequently originated rate bucket was 5-6%, with 520 originations.

Loan Sizing (Granbury, TX MSA)

Loan Size Originations Total Value Average Loan
$200k-400k 986 $278,950,000 $282,911
$100k-200k 525 $79,985,000 $152,352
$400k-600k 273 $129,825,000 $475,549
$100,000 or less 215 $11,875,000 $55,233
$600k-1000k 96 $68,590,000 $714,479
$Over $1MM 19 $35,385,000 $1,862,368

Granbury's loan sizing saw the bucket of loans from $200k-400k with 986 originations, totaling $278,950,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 784 $245,370,000 $312,972
60-80% 531 $182,795,000 $344,247
40-60% 271 $75,925,000 $280,166
20-40% 152 $25,790,000 $169,671
Under 20% 142 $9,120,000 $64,225
Over 100% 35 $11,445,000 $327,000

Granbury's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 784 originations, totaling $245,370,000 in origination value.