Granbury Mortgage Rates
30 Year Fixed Rate mortgages in Granbury averaged
5.84%
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
6.11% and
one month ago for the week of 2022-05-19, the
average rate was 5.28%.
Granbury's average rate one year ago was 3.02%.
For refis of the same type during the week of 2022-06-23, the average rate
was 5.92%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2022-06-23 | 5.81% |
| Granbury 30 Year Fixed Rate | 2022-06-23 | 5.84% |
| Granbury 30 Year Fixed Rate Refi | 2022-06-23 | 5.92% |
| Granbury 15 Year Fixed Rate | 2022-06-23 | 5.17% |
| Granbury 15 Year Fixed Rate Refi | 2022-06-23 | 5.05% |
| Granbury 30 Year FHA | 2022-06-23 | -0.06% |
| Granbury 30 Year FHA Refi | 2022-06-23 | 0.11% |
| Granbury 30 Year USDA | 2022-06-23 | 0.3% |
| Granbury 30 Year USDA Refi | 2022-06-23 | -0.21% |
| Granbury 30 Year VA | 2022-06-23 | 0.23% |
| Granbury 30 Year VA Refi | 2022-06-23 | -0.24% |
Granbury 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 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.).
Granbury, TX's 207 lenders originated 3,217
loans during 2021. The total origination value was $878,325,000, with an average loan value of
$273,026.
The top Granbury lender as defined by loan originations is QUICKEN LOANS, LLC, with
138 loans originated. Their average total fees are
$5,548, which is $30
lower than the next largest lender,
GUILD MORTGAGE COMPANY.
The lowest fee Granbury lenders (with over 10 loans originated) are
CHERRY CREEK MORTGAGE, LLC ($866), EVERETT FINANCIAL, INC. ($3,101), BETTER MORTGAGE CORPORATION ($3,487), DHI MORTGAGE COMPANY, LTD. ($3,543) and Bank of America ($3,786).
The lowest rate Granbury lenders (with over 10 loans originated) are
Bank of America (2.81%), AMERISAVE MORTGAGE CORPORATION (2.87%), DHI MORTGAGE COMPANY, LTD. (2.88%), BETTER MORTGAGE CORPORATION (2.96%) and First Financial Bank (2.98%).
Granbury, 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 |
|---|---|---|---|---|
| QUICKEN LOANS, LLC | $46,310,000 | $57,140,000 | 23.4% | 6.5% |
| The First National Bank of Granbury | $64,105,000 | $54,525,000 | -14.9% | 6.2% |
| First Financial Bank | $54,155,000 | $53,030,000 | -2.1% | 6.0% |
| SFMC, LP | $39,275,000 | $33,675,000 | -14.3% | 3.8% |
| GUILD MORTGAGE COMPANY | $31,635,000 | $31,180,000 | -1.4% | 3.5% |
| Gateway First Bank | $33,285,000 | $27,810,000 | -16.4% | 3.2% |
| Happy State Bank | $15,965,000 | $27,250,000 | 70.7% | 3.1% |
| WALKER & DUNLOP, LLC | $7,565,000 | $23,270,000 | 207.6% | 2.6% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $12,055,000 | $17,680,000 | 46.7% | 2.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $18,335,000 | $16,435,000 | -10.4% | 1.9% |
| FREEDOM MORTGAGE CORPORATION | $20,130,000 | $16,345,000 | -18.8% | 1.9% |
| DHI MORTGAGE COMPANY, LTD. | $1,445,000 | $15,600,000 | 979.6% | 1.8% |
| LOANDEPOT.COM, LLC | $6,905,000 | $14,495,000 | 109.9% | 1.7% |
| KeyBank | $14,200,000 | n/a | 1.6% | |
| UNITED WHOLESALE MORTGAGE, LLC | $9,450,000 | $14,170,000 | 49.9% | 1.6% |
| Wells Fargo Bank | $12,745,000 | $13,220,000 | 3.7% | 1.5% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $11,195,000 | $11,040,000 | -1.4% | 1.3% |
| Mortgage Research Center, LLC | $7,005,000 | $10,955,000 | 56.4% | 1.2% |
| JPMorgan Chase Bank | $11,465,000 | $10,845,000 | -5.4% | 1.2% |
| ASPIRE FINANCIAL, INC. | $5,980,000 | $10,670,000 | 78.4% | 1.2% |
| PENNYMAC LOAN SERVICES, LLC | $2,485,000 | $10,480,000 | 321.7% | 1.2% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | $6,090,000 | $10,070,000 | 65.4% | 1.1% |
| BOKF | $545,000 | $9,795,000 | 1,697.2% | 1.1% |
| ACADEMY MORTGAGE CORPORATION | $4,765,000 | $9,510,000 | 99.6% | 1.1% |
| Colonial Savings, F.A. | $6,680,000 | $9,415,000 | 40.9% | 1.1% |
| Mr. Cooper ( Nationstar Mortgage ) | $8,190,000 | $9,325,000 | 13.9% | 1.1% |
| EVERETT FINANCIAL, INC. | $27,655,000 | $8,955,000 | -67.6% | 1.0% |
| MID AMERICA MORTGAGE, INC. | $6,180,000 | $7,870,000 | 27.3% | 0.9% |
| AMCAP MORTGAGE, LTD. | $3,490,000 | $7,830,000 | 124.4% | 0.9% |
| CHERRY CREEK MORTGAGE, LLC | $12,560,000 | $7,595,000 | -39.5% | 0.9% |
| BETTER MORTGAGE CORPORATION | $1,600,000 | $7,500,000 | 368.8% | 0.9% |
| GUARANTEED RATE, INC. | $8,725,000 | $7,475,000 | -14.3% | 0.9% |
| First United Bank and Trust Company | $8,685,000 | $6,695,000 | -22.9% | 0.8% |
| 21ST MORTGAGE CORPORATION | $6,310,000 | $6,120,000 | -3.0% | 0.7% |
| Affiliated Bank | $1,905,000 | $5,975,000 | 213.6% | 0.7% |
| NAVY FEDERAL CREDIT UNION | $4,525,000 | $5,665,000 | 25.2% | 0.6% |
| Southside Bank | $3,840,000 | $4,910,000 | 27.9% | 0.6% |
| AMERISAVE MORTGAGE CORPORATION | $5,060,000 | $4,715,000 | -6.8% | 0.5% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | $3,535,000 | $4,705,000 | 33.1% | 0.5% |
| LAKEVIEW LOAN SERVICING, LLC | $4,525,000 | $4,655,000 | 2.9% | 0.5% |
| NEWREZ LLC | $3,570,000 | $4,640,000 | 30.0% | 0.5% |
| Bank of America | $4,215,000 | $4,615,000 | 9.5% | 0.5% |
| KELLER MORTGAGE, LLC | $11,915,000 | $4,500,000 | -62.2% | 0.5% |
| CROSSCOUNTRY MORTGAGE, LLC | $270,000 | $4,475,000 | 1,557.4% | 0.5% |
| HOME POINT FINANCIAL CORPORATION | $4,770,000 | $4,340,000 | -9.0% | 0.5% |
| R Bank | $165,000 | $4,220,000 | 2,457.6% | 0.5% |
| CERTAINTY HOME LOANS, LLC | $2,740,000 | $4,215,000 | 53.8% | 0.5% |
| CALIBER HOME LOANS, INC. | $6,170,000 | $3,995,000 | -35.3% | 0.5% |
| CHURCHILL MORTGAGE CORPORATION | $1,225,000 | $3,990,000 | 225.7% | 0.5% |
| EECU | $7,605,000 | $3,860,000 | -49.2% | 0.4% |
| WILLOW BEND MORTGAGE COMPANY, LLC | $6,060,000 | $3,690,000 | -39.1% | 0.4% |
| Prosperity Bank | $2,850,000 | $3,585,000 | 25.8% | 0.4% |
| SWBC MORTGAGE CORPORATION | $1,950,000 | $3,540,000 | 81.5% | 0.4% |
| USAA Federal Savings Bank | $6,645,000 | $3,200,000 | -51.8% | 0.4% |
| City Bank | $4,450,000 | $3,135,000 | -29.6% | 0.4% |
| MORTGAGE FINANCIAL SERVICES, LLC | $745,000 | $3,120,000 | 318.8% | 0.4% |
| Independent Bank | $2,155,000 | $3,040,000 | 41.1% | 0.3% |
| InterBank | $3,085,000 | $2,875,000 | -6.8% | 0.3% |
| Texas Bank Financial | $1,715,000 | $2,670,000 | 55.7% | 0.3% |
| SECURITYNATIONAL MORTGAGE COMPANY | $3,305,000 | $2,560,000 | -22.5% | 0.3% |
| LHM FINANCIAL CORPORATION | $955,000 | $2,520,000 | 163.9% | 0.3% |
| BBVA USA | $5,760,000 | $2,495,000 | -56.7% | 0.3% |
| AmeriHome Mortgage Company, LLC | $3,380,000 | $2,465,000 | -27.1% | 0.3% |
| NBKC BANK | $3,150,000 | $2,425,000 | -23.0% | 0.3% |
| Farmers Bank & Trust Company | $2,325,000 | n/a | 0.3% | |
| UBS Bank USA | $2,180,000 | n/a | 0.2% | |
| GREAT WESTERN FINANCIAL SERVICES, INC. | $2,170,000 | $2,160,000 | -0.5% | 0.2% |
| InterContinental Capital Group, Inc | $1,875,000 | $2,150,000 | 14.7% | 0.2% |
| THRIVE MORTGAGE, LLC | $2,510,000 | $2,150,000 | -14.3% | 0.2% |
| FIRST CENTENNIAL MORTGAGE CORPORATION | $890,000 | $2,110,000 | 137.1% | 0.2% |
| NEW DAY FINANCIAL, LLC | $1,785,000 | $1,995,000 | 11.8% | 0.2% |
| Paramount Residential Mortgage Group, Inc. | $1,005,000 | $1,970,000 | 96.0% | 0.2% |
| PLANET HOME LENDING, LLC | $780,000 | $1,970,000 | 152.6% | 0.2% |
| BROKER SOLUTIONS, INC. | $2,475,000 | $1,950,000 | -21.2% | 0.2% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $1,945,000 | n/a | 0.2% | |
| CMG MORTGAGE, INC. | $2,055,000 | $1,935,000 | -5.8% | 0.2% |
| AMERICAN FINANCIAL NETWORK, INC. | $3,260,000 | $1,925,000 | -41.0% | 0.2% |
| Flagstar Bank, FSB | $1,150,000 | $1,915,000 | 66.5% | 0.2% |
| Citizens Bank | $3,915,000 | $1,905,000 | -51.3% | 0.2% |
| Barrington Bank & Trust Company, N.A. | $2,095,000 | $1,880,000 | -10.3% | 0.2% |
| MOVEMENT MORTGAGE, LLC | $3,865,000 | $1,845,000 | -52.3% | 0.2% |
| CLEARPATH LENDING | $2,980,000 | $1,810,000 | -39.3% | 0.2% |
| Nations Lending Corporation | $495,000 | $1,810,000 | 265.7% | 0.2% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $2,150,000 | $1,755,000 | -18.4% | 0.2% |
| AXIA FINANCIAL, LLC | $1,715,000 | $1,720,000 | 0.3% | 0.2% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $855,000 | $1,710,000 | 100.0% | 0.2% |
| Wyndham Capital Mortgage, Inc. | $245,000 | $1,710,000 | 598.0% | 0.2% |
| SUMMIT FUNDING, INC. | $1,675,000 | n/a | 0.2% | |
| AMERICAN FINANCING CORPORATION | $930,000 | $1,650,000 | 77.4% | 0.2% |
| STEARNS LENDING, LLC | $1,640,000 | n/a | 0.2% | |
| LEADERONE FINANCIAL CORPORATION | $185,000 | $1,625,000 | 778.4% | 0.2% |
| S1L, Inc. | $1,510,000 | n/a | 0.2% | |
| MUTUAL OF OMAHA MORTGAGE, INC. | $1,410,000 | $1,505,000 | 6.7% | 0.2% |
| NTFN, INC. | $2,195,000 | $1,495,000 | -31.9% | 0.2% |
| TIAA, FSB | $345,000 | $1,490,000 | 331.9% | 0.2% |
| AMERICAN ADVISORS GROUP | $935,000 | $1,455,000 | 55.6% | 0.2% |
| Regions Bank | $1,700,000 | $1,455,000 | -14.4% | 0.2% |
| SOUTHWEST FUNDING, LP | $725,000 | $1,435,000 | 97.9% | 0.2% |
| Midwest Mortgage Associates Corporation | $995,000 | $1,420,000 | 42.7% | 0.2% |
| ANGEL OAK HOME LOANS LLC | $340,000 | $1,395,000 | 310.3% | 0.2% |
| Northpointe Bank | $840,000 | $1,335,000 | 58.9% | 0.2% |
| The First National Bank of Albany | $800,000 | $1,325,000 | 65.6% | 0.2% |
| Stifel Bank and Trust | $1,315,000 | n/a | 0.1% | |
| Magnolia Bank | $935,000 | $1,305,000 | 39.6% | 0.1% |
| The Huntington National Bank | $1,295,000 | n/a | 0.1% | |
| First Mortgage Solutions, LLC | $355,000 | $1,280,000 | 260.6% | 0.1% |
| RF Renovo Management Company, LLC | $1,255,000 | n/a | 0.1% | |
| V.I.P. MORTGAGE, INC. | $1,245,000 | $1,235,000 | -0.8% | 0.1% |
| Origin Bank | $1,550,000 | $1,230,000 | -20.6% | 0.1% |
| PLAZA HOME MORTGAGE, INC. | $1,970,000 | $1,230,000 | -37.6% | 0.1% |
| Texas Republic Bank | $1,230,000 | n/a | 0.1% | |
| Frost Bank | $875,000 | $1,215,000 | 38.9% | 0.1% |
| NexBank | $1,085,000 | $1,205,000 | 11.1% | 0.1% |
| North American Savings Bank, F.S.B. | $1,550,000 | $1,205,000 | -22.3% | 0.1% |
| STARBOARD FINANCIAL MANAGEMENT, LLC | $1,205,000 | n/a | 0.1% | |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $1,325,000 | $1,160,000 | -12.5% | 0.1% |
| SOVEREIGN LENDING GROUP INCORPORATED | $1,145,000 | n/a | 0.1% | |
| ZILLOW HOME LOANS, LLC | $165,000 | $1,130,000 | 584.8% | 0.1% |
| Truist Bank | $2,690,000 | $1,090,000 | -59.5% | 0.1% |
| Chicago Mortgage Solutions LLC | $1,085,000 | n/a | 0.1% | |
| PHH Mortgage Corporation | $715,000 | $1,070,000 | 49.7% | 0.1% |
| UNITED MORTGAGE CORP. | $1,365,000 | $1,045,000 | -23.4% | 0.1% |
| Trinity Oaks Mortgage, LLC | $1,600,000 | $1,035,000 | -35.3% | 0.1% |
| First Guaranty Mortgage Corporation | $1,450,000 | $1,015,000 | -30.0% | 0.1% |
| U.S. Bank | $2,100,000 | $1,010,000 | -51.9% | 0.1% |
| FIRST NATIONAL BANK OF WEATHERFORD | $1,005,000 | n/a | 0.1% | |
| AMERICAN FINANCIAL RESOURCES, INC. | $1,140,000 | $1,000,000 | -12.3% | 0.1% |
| HOMESIDE FINANCIAL, LLC | $530,000 | $1,000,000 | 88.7% | 0.1% |
| Commercial Bank of Texas | $480,000 | $980,000 | 104.2% | 0.1% |
| Bank of England | $410,000 | $965,000 | 135.4% | 0.1% |
| Pinnacle Bank | $3,015,000 | $965,000 | -68.0% | 0.1% |
| PENTAGON FEDERAL CREDIT UNION | $890,000 | $960,000 | 7.9% | 0.1% |
| CORNERSTONE HOME LENDING, INC. | $1,315,000 | $955,000 | -27.4% | 0.1% |
| Atlantic Home Loans, Inc. | $940,000 | n/a | 0.1% | |
| First Bank & Trust | $1,225,000 | $935,000 | -23.7% | 0.1% |
| RB MORTGAGE LLC | $345,000 | $920,000 | 166.7% | 0.1% |
| Wallick & Volk, Inc. | $540,000 | $900,000 | 66.7% | 0.1% |
| SUN WEST MORTGAGE COMPANY, INC. | $2,685,000 | $895,000 | -66.7% | 0.1% |
| LRS FINANCIAL NETWORK, INC. | $970,000 | $885,000 | -8.8% | 0.1% |
| Watermark Capital, Inc. | $985,000 | $885,000 | -10.2% | 0.1% |
| Prosperity Home Mortgage, LLC | $1,375,000 | $880,000 | -36.0% | 0.1% |
| INTERLINC MORTGAGE SERVICES, LLC | $235,000 | $875,000 | 272.3% | 0.1% |
| Waterstone Mortgage Corporation | $1,395,000 | $870,000 | -37.6% | 0.1% |
| Carrington Mortgage Services, LLC | $600,000 | $855,000 | 42.5% | 0.1% |
| VILLAGE CAPITAL & INVESTMENT LLC | $815,000 | $830,000 | 1.8% | 0.1% |
| Citizens National Bank of Texas | $935,000 | $825,000 | -11.8% | 0.1% |
| Community National Bank & Trust of Texas | $825,000 | n/a | 0.1% | |
| Loan Simple, Inc. | $225,000 | $805,000 | 257.8% | 0.1% |
| Goldwater Bank, N.A. | $900,000 | $800,000 | -11.1% | 0.1% |
| OPEN MORTGAGE, LLC | $1,585,000 | $800,000 | -49.5% | 0.1% |
| Equity Prime Mortgage LLC | $195,000 | $780,000 | 300.0% | 0.1% |
| FINANCE OF AMERICA MORTGAGE LLC | $600,000 | $765,000 | 27.5% | 0.1% |
| Town Square Mortgage & Investments, Inc. | $765,000 | $755,000 | -1.3% | 0.1% |
| Low VA Rates, LLC | $850,000 | $750,000 | -11.8% | 0.1% |
| Charles Schwab Bank, SSB | $725,000 | n/a | 0.1% | |
| Western Bank | $725,000 | n/a | 0.1% | |
| ADVANCIAL | $155,000 | $720,000 | 364.5% | 0.1% |
| Encompass Lending Group, LP | $715,000 | n/a | 0.1% | |
| First Bank | $580,000 | $705,000 | 21.6% | 0.1% |
| American Airlines Federal Credit Union | $615,000 | $695,000 | 13.0% | 0.1% |
| INTEGRITY MORTGAGE CORPORATION OF TEXAS | $585,000 | $695,000 | 18.8% | 0.1% |
| DRAPER AND KRAMER MORTGAGE CORP. | $515,000 | $690,000 | 34.0% | 0.1% |
| DATCU | $215,000 | $685,000 | 218.6% | 0.1% |
| NATIONS RELIABLE LENDING, LLC | $790,000 | $675,000 | -14.6% | 0.1% |
| Morgan Stanley Private Bank | $665,000 | n/a | 0.1% | |
| NATIONS DIRECT MORTGAGE, LLC | $665,000 | n/a | 0.1% | |
| Texas Mortgage Lending, LLC | $360,000 | $665,000 | 84.7% | 0.1% |
| KS StateBank | $655,000 | n/a | 0.1% | |
| Amerifirst Financial, Inc. | $650,000 | n/a | 0.1% | |
| Kwik Mortgage Corporation | $315,000 | $640,000 | 103.2% | 0.1% |
| UNION HOME MORTGAGE CORP. | $215,000 | $640,000 | 197.7% | 0.1% |
| FORT WORTH CITY CREDIT UNION | $305,000 | $620,000 | 103.3% | 0.1% |
| American National Bank & Trust | $1,190,000 | $590,000 | -50.4% | 0.1% |
| EUSTIS AND AMERICAN MORTGAGE COMPANY | $365,000 | $585,000 | 60.3% | 0.1% |
| UNITED BUILT HOMES, L.L.C. | $755,000 | $570,000 | -24.5% | 0.1% |
| BancorpSouth Bank | $520,000 | $545,000 | 4.8% | 0.1% |
| LADERA LENDING, INC. | $545,000 | n/a | 0.1% | |
| PlainsCapital Bank | $530,000 | n/a | 0.1% | |
| Lakeview Community Capital, LLC | $360,000 | $525,000 | 45.8% | 0.1% |
| TEXAS TRUST | $725,000 | $525,000 | -27.6% | 0.1% |
| Visio Financial Services Inc. | $525,000 | n/a | 0.1% | |
| SOUTHERN LENDING SERVICES, LTD. | $520,000 | n/a | 0.1% | |
| First National Bank Texas | $515,000 | n/a | 0.1% | |
| BNC National Bank | $610,000 | $510,000 | -16.4% | 0.1% |
| IMPAC MORTGAGE CORP. | $510,000 | n/a | 0.1% | |
| CITY FIRST MORTGAGE SERVICES, L.L.C. | $390,000 | $505,000 | 29.5% | 0.1% |
| Pinnacle Bank | $3,015,000 | $505,000 | -83.3% | 0.1% |
| NETWORK CAPITAL FUNDING CORPORATION | $215,000 | $500,000 | 132.6% | 0.1% |
| TEXAS DOW EMPLOYEES CREDIT UNION | $440,000 | $500,000 | 13.6% | 0.1% |
| Network Funding, L.P. | $2,640,000 | $490,000 | -81.4% | 0.1% |
| Credit Union of Texas | $600,000 | $485,000 | -19.2% | 0.1% |
| CityWorth Mortgage LLC | $480,000 | n/a | 0.1% | |
| TEXAS TECH | $280,000 | $480,000 | 71.4% | 0.1% |
| Luxury Mortgage Corp. | $475,000 | n/a | 0.1% | |
| SUCCESS MORTGAGE PARTNERS, INC. | $405,000 | $470,000 | 16.0% | 0.1% |
| PNC Bank | $460,000 | n/a | 0.1% | |
| COUNTRYPLACE MORTGAGE, LTD. | $510,000 | $455,000 | -10.8% | 0.1% |
| Legend Bank, N.A. | $400,000 | $455,000 | 13.8% | 0.1% |
| The Federal Savings Bank | $380,000 | $435,000 | 14.5% | 0.0% |
| 1ST COMMUNITY FEDERAL CREDIT UNION | $425,000 | n/a | 0.0% | |
| BM Real Estate Services, Inc. | $145,000 | $425,000 | 193.1% | 0.0% |
| MANN FINANCIAL INC. | $425,000 | n/a | 0.0% | |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $285,000 | $420,000 | 47.4% | 0.0% |
| ROYAL UNITED MORTGAGE LLC | $1,290,000 | $420,000 | -67.4% | 0.0% |
| Simmons Bank | $75,000 | $420,000 | 460.0% | 0.0% |
| Veritex Community Bank | $1,095,000 | $420,000 | -61.6% | 0.0% |
| GUARANTY HOME MORTGAGE CORPORATION | $245,000 | $415,000 | 69.4% | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | $190,000 | $410,000 | 115.8% | 0.0% |
| FirstCapital Bank of Texas | $405,000 | n/a | 0.0% | |
| LOANFLIGHT LENDING, LLC | $800,000 | $405,000 | -49.4% | 0.0% |
| J. VIRGIL, INC. | $395,000 | n/a | 0.0% | |
| CALCULATED RISK ANALYTICS LLC | $385,000 | n/a | 0.0% | |
| Complex Community Federal Credit Union | $1,080,000 | $385,000 | -64.4% | 0.0% |
| SouthStar Bank, S.S.B. | $1,240,000 | $385,000 | -69.0% | 0.0% |
| BARTON CREEK LENDING GROUP, LLC | $610,000 | $375,000 | -38.5% | 0.0% |
| First Horizon Bank | $375,000 | n/a | 0.0% | |
| First National Bank | $855,000 | $375,000 | -56.1% | 0.0% |
| DAS Acquisition Company, LLC | $795,000 | $370,000 | -53.5% | 0.0% |
| Century Mortgage Company DBA Century Lending Company | $365,000 | n/a | 0.0% | |
| Great Plains National Bank | $365,000 | n/a | 0.0% | |
| LOANPAL, LLC | $480,000 | $365,000 | -24.0% | 0.0% |
| Texana Bank | $195,000 | $365,000 | 87.2% | 0.0% |
| Ally Bank | $215,000 | $360,000 | 67.4% | 0.0% |
| Cathay Bank | $355,000 | n/a | 0.0% | |
| HOMESTEAD FUNDING CORP. | $355,000 | n/a | 0.0% | |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $175,000 | $355,000 | 102.9% | 0.0% |
| Herring Bank | $600,000 | $335,000 | -44.2% | 0.0% |
| Ameris Bank | $315,000 | n/a | 0.0% | |
| Southwest Airlines Federal Credit Union | $1,190,000 | $315,000 | -73.5% | 0.0% |
| FirstBank | $305,000 | n/a | 0.0% | |
| First Internet Bank of Indiana | $305,000 | n/a | 0.0% | |
| SENTE MORTGAGE, INC. | $1,825,000 | $305,000 | -83.3% | 0.0% |
| ARC HOME LLC | $295,000 | n/a | 0.0% | |
| Bank of Colorado | $375,000 | $295,000 | -21.3% | 0.0% |
| FLAT BRANCH MORTGAGE, INC. | $295,000 | n/a | 0.0% | |
| LIMA ONE CAPITAL, LLC | $295,000 | n/a | 0.0% | |
| WESTERN EXPRESS LENDING | $265,000 | $295,000 | 11.3% | 0.0% |
| RANDOLPH-BROOKS | $515,000 | $290,000 | -43.7% | 0.0% |
| SECURITY SERVICE | $370,000 | $290,000 | -21.6% | 0.0% |
| CELEBRITY HOME LOANS, LLC | $580,000 | $285,000 | -50.9% | 0.0% |
| Houston Federal Credit Union | $285,000 | n/a | 0.0% | |
| Republic State Mortgage Co. | $935,000 | $280,000 | -70.1% | 0.0% |
| First Savings Bank | $610,000 | $275,000 | -54.9% | 0.0% |
| TruHome Solutions, LLC | $275,000 | n/a | 0.0% | |
| ALTRA | $270,000 | n/a | 0.0% | |
| TOWNE MORTGAGE COMPANY | $265,000 | n/a | 0.0% | |
| VELOCIO MORTGAGE L.L.C. | $265,000 | n/a | 0.0% | |
| MYCUMORTGAGE, LLC | $255,000 | n/a | 0.0% | |
| SIRVA MORTGAGE, INC. | $255,000 | n/a | 0.0% | |
| BKCO MORTGAGE, LLC | $235,000 | $245,000 | 4.3% | 0.0% |
| Discover Bank | $455,000 | $240,000 | -47.3% | 0.0% |
| AMERICA'S CHOICE HOME LOANS LP | $235,000 | n/a | 0.0% | |
| INFINITY EQUITY GROUP, INC. | $235,000 | n/a | 0.0% | |
| Citizens 1st Bank | $850,000 | $225,000 | -73.5% | 0.0% |
| Platte Valley Bank | $225,000 | n/a | 0.0% | |
| TJC Mortgage, Inc. | $225,000 | n/a | 0.0% | |
| Beeline Loans, Inc. | $215,000 | n/a | 0.0% | |
| BEST CAPITAL FUNDING | $195,000 | $215,000 | 10.3% | 0.0% |
| EMM LOANS LLC | $215,000 | n/a | 0.0% | |
| GUARANTEED RATE AFFINITY, LLC | $800,000 | $215,000 | -73.1% | 0.0% |
| RANLIFE, INC. | $395,000 | $215,000 | -45.6% | 0.0% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | $215,000 | n/a | 0.0% | |
| THE MORTGAGE FIRM, INC. | $215,000 | n/a | 0.0% | |
| ATLANTA POSTAL | $205,000 | n/a | 0.0% | |
| LIBERTY HOME MORTGAGE CORPORATION | $185,000 | $205,000 | 10.8% | 0.0% |
| NBH Bank | $205,000 | n/a | 0.0% | |
| UNIVERSAL MORTGAGE & FINANCE, INC. | $205,000 | n/a | 0.0% | |
| Vista Bank | $205,000 | n/a | 0.0% | |
| First State Bank of St. Charles, Missouri | $305,000 | $195,000 | -36.1% | 0.0% |
| Inwood National Bank | $315,000 | $195,000 | -38.1% | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | $195,000 | n/a | 0.0% | |
| BAY EQUITY LLC | $235,000 | $185,000 | -21.3% | 0.0% |
| CITY | $185,000 | n/a | 0.0% | |
| Summit Mortgage Corporation | $185,000 | n/a | 0.0% | |
| LOS ANGELES POLICE Federal Credit Union | $175,000 | n/a | 0.0% | |
| COMPEER FINANCIAL, FLCA | $1,005,000 | $165,000 | -83.6% | 0.0% |
| CASTLE & COOKE MORTGAGE, LLC | $155,000 | n/a | 0.0% | |
| REVERSE MORTGAGE FUNDING LLC | $205,000 | $155,000 | -24.4% | 0.0% |
| SOFI LENDING CORP. | $155,000 | n/a | 0.0% | |
| AMPLIFY | $150,000 | n/a | 0.0% | |
| International Bank of Commerce | $325,000 | $150,000 | -53.8% | 0.0% |
| HOMETRUST MORTGAGE COMPANY | $735,000 | $145,000 | -80.3% | 0.0% |
| PREMIER LENDING, INC. | $145,000 | n/a | 0.0% | |
| Zions Bancorporation, N.A. | $245,000 | $145,000 | -40.8% | 0.0% |
| MOBILITY Credit Union | $135,000 | n/a | 0.0% | |
| NATIONWIDE EQUITIES CORPORATION | $275,000 | $135,000 | -50.9% | 0.0% |
| FBC MORTGAGE, LLC | $125,000 | n/a | 0.0% | |
| First State Bank | $630,000 | $125,000 | -80.2% | 0.0% |
| TEXELL Credit Union | $125,000 | n/a | 0.0% | |
| American Bank, N.A. | $520,000 | $115,000 | -77.9% | 0.0% |
| LENDINGONE, LLC | $105,000 | n/a | 0.0% | |
| OCEANSIDE MORTGAGE COMPANY | $200,000 | $105,000 | -47.5% | 0.0% |
| Hometown Lenders, Inc. | $95,000 | n/a | 0.0% | |
| MICHIGAN MUTUAL, INC. | $1,205,000 | $95,000 | -92.1% | 0.0% |
| CERTIFIED FUNDING, L.P. | $85,000 | $85,000 | 0.0% | 0.0% |
| GREATER TEXAS FEDERAL CREDIT UNION | $285,000 | $85,000 | -70.2% | 0.0% |
| SOUTHWEST STAGE FUNDING, LLC | $460,000 | $75,000 | -83.7% | 0.0% |
| Security State Bank & Trust | $160,000 | $65,000 | -59.4% | 0.0% |
| TEXANS | $55,000 | n/a | 0.0% | |
| The American National Bank of Texas | $280,000 | $55,000 | -80.4% | 0.0% |
| FORT WORTH COMMUNITY | $305,000 | $25,000 | -91.8% | 0.0% |
Granbury's top lender by overall market share is QUICKEN LOANS, LLC, with 6.5% market share. In second place, with 6.2%, is The First National Bank of Granbury, having originated $54,525,000 in loans. In third place, with 6.0%, is First Financial Bank, having originated $53,030,000 in loans. In third place, with 3.8%, is SFMC, LP, having originated $33,675,000 in loans. In third place, with 3.5%, is GUILD MORTGAGE COMPANY, having originated $31,180,000 in loans.
Granbury, TX Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 1,554 | $465,170,000 | $299,337 |
| Refi | 995 | $258,205,000 | $259,503 |
| Cash Out Refi | 541 | $138,195,000 | $255,444 |
| Home Improvement | 89 | $10,575,000 | $118,820 |
| Other | 38 | $6,180,000 | $162,632 |
Granbury's most frequently cited loan purpose was Home Purchase, with 1,554 originations. The 2nd most popular reason was Refi, with 995 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 3-4% | 1,239 | $342,325,000 | $276,291 |
| 2.5-3% | 1,000 | $306,570,000 | $306,570 |
| <2.5% | 467 | $117,145,000 | $250,846 |
| 4-5% | 142 | $35,380,000 | $249,155 |
| 5-6% | 33 | $3,815,000 | $115,606 |
| Over 8% | 26 | $3,100,000 | $119,231 |
| 6-7% | 23 | $2,835,000 | $123,261 |
| 7-8% | 10 | $1,520,000 | $152,000 |
During 2021, Granbury's most frequently originated rate bucket was 3-4%, with 1,239 originations.
Loan Sizing (Granbury, TX MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 1,494 | $415,640,000 | $278,206 |
| $100k-200k | 1,088 | $168,650,000 | $155,009 |
| $400k-600k | 321 | $152,665,000 | $475,592 |
| $100,000 or less | 246 | $15,310,000 | $62,236 |
| $600k-1000k | 47 | $33,925,000 | $721,809 |
| $Over $1MM | 21 | $92,135,000 | $4,387,381 |
Granbury's loan sizing saw the bucket of loans from $200k-400k with 1,494 originations, totaling $415,640,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 1,027 | $281,675,000 | $274,270 |
| 60-80% | 995 | $341,955,000 | $343,673 |
| 40-60% | 484 | $112,480,000 | $232,397 |
| 20-40% | 188 | $29,610,000 | $157,500 |
| Under 20% | 90 | $5,170,000 | $57,444 |
| Over 100% | 51 | $17,955,000 | $352,059 |
Granbury's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 1,027 originations, totaling $281,675,000 in origination value.
