Granbury Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Granbury averaged
6.99%
for the week of 2025-04-03, compared to the national average of
6.64% for the same period.
The average rate for the prior week (2025-03-27) was
6.6% and
one month ago for the week of 2025-02-27, the
average rate was 6.91%.
Granbury's average rate one year ago was 7.14%.
For refis of the same type during the week of 2025-04-03, the average rate
was 7.14%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-04-03 | 6.64% |
| Granbury 30 Year Fixed Rate | 2025-04-03 | 6.99% |
| Granbury 30 Year Fixed Rate Refi | 2025-04-03 | 7.14% |
| Granbury 15 Year Fixed Rate | 2025-04-03 | 5.72% |
| Granbury 15 Year Fixed Rate Refi | 2025-04-03 | 6.22% |
| Granbury 30 Year FHA | 2025-04-03 | 6.48% |
| Granbury 30 Year FHA Refi | 2025-04-03 | 6.16% |
| Granbury 30 Year USDA | 2025-04-03 | 6.42% |
| Granbury 30 Year USDA Refi | 2025-04-03 | 6.32% |
| Granbury 30 Year VA | 2025-04-03 | 5.91% |
| Granbury 30 Year VA Refi | 2025-04-03 | 5.86% |
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.).
Granbury Average Closing Costs & Other Stats
Granbury, TX's 153 lenders originated 1,631
loans during 2024. The total origination value was $477,915,000, with an average loan value of
$293,020.
Granbury's average closing costs are $6,614.
The top Granbury lender as defined by loan originations is QUICKEN LOANS, LLC, with
71 loans originated. Their average total fees are
$8,853, which is $117
higher than the next largest lender,
UNITED WHOLESALE MORTGAGE, LLC.
The lowest fee Granbury lenders (with over 10 loans originated) are
DHI MORTGAGE COMPANY, LTD. ($4,770), First Financial Bank ($5,687), LOANDEPOT.COM, LLC ($6,869), BROKER SOLUTIONS, INC. ($7,210) and PRIMELENDING, A PLAINSCAPITAL COMPANY ($7,271).
The lowest rate Granbury lenders (with over 10 loans originated) are
DHI MORTGAGE COMPANY, LTD. (5.37%), PENNYMAC LOAN SERVICES, LLC (6.52%), LOANDEPOT.COM, LLC (6.66%), JPMorgan Chase Bank (6.66%) and FAIRWAY INDEPENDENT MORTGAGE CORPORATION (6.78%).
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 | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| UNITED WHOLESALE MORTGAGE, LLC | $23,600,000 | $32,570,000 | 38.0% | 6.8% |
| QUICKEN LOANS, LLC | $22,040,000 | $31,605,000 | 43.4% | 6.6% |
| First Financial Bank | $28,055,000 | $25,300,000 | -9.8% | 5.3% |
| The First National Bank of Granbury | $25,000,000 | $20,920,000 | -16.3% | 4.4% |
| SFMC, LP | $11,630,000 | $16,520,000 | 42.0% | 3.5% |
| GUILD MORTGAGE COMPANY | $11,590,000 | $16,030,000 | 38.3% | 3.4% |
| Gateway First Bank | $14,290,000 | $12,425,000 | -13.1% | 2.6% |
| DHI MORTGAGE COMPANY, LTD. | $435,000 | $11,405,000 | 2,521.8% | 2.4% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $6,835,000 | $11,335,000 | 65.8% | 2.4% |
| CARDINAL FINANCIAL | $13,685,000 | $10,475,000 | -23.5% | 2.2% |
| PENNYMAC LOAN SERVICES, LLC | $3,945,000 | $10,270,000 | 160.3% | 2.1% |
| CMG MORTGAGE, INC. | $2,630,000 | $9,365,000 | 256.1% | 2.0% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $10,530,000 | $8,380,000 | -20.4% | 1.8% |
| Mortgage Research Center, LLC | $6,720,000 | $7,840,000 | 16.7% | 1.6% |
| BROKER SOLUTIONS, INC. | $4,385,000 | $7,765,000 | 77.1% | 1.6% |
| LOANDEPOT.COM, LLC | $1,650,000 | $7,245,000 | 339.1% | 1.5% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $5,410,000 | $6,920,000 | 27.9% | 1.4% |
| FREEDOM MORTGAGE CORPORATION | $2,220,000 | $6,335,000 | 185.4% | 1.3% |
| First United Bank and Trust Company | $4,445,000 | $5,550,000 | 24.9% | 1.2% |
| 21ST MORTGAGE CORPORATION | $6,010,000 | $5,470,000 | -9.0% | 1.1% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | $1,575,000 | $5,445,000 | 245.7% | 1.1% |
| EECU | $4,015,000 | $5,380,000 | 34.0% | 1.1% |
| JPMorgan Chase Bank | $4,760,000 | $4,830,000 | 1.5% | 1.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | $1,705,000 | $4,270,000 | 150.4% | 0.9% |
| CROSSCOUNTRY MORTGAGE, LLC | $3,970,000 | $4,230,000 | 6.5% | 0.9% |
| EVERETT FINANCIAL, INC. | $3,940,000 | $4,220,000 | 7.1% | 0.9% |
| PNC Bank | $3,965,000 | $4,075,000 | 2.8% | 0.9% |
| MORTGAGE FINANCIAL SERVICES, LLC | $2,400,000 | $3,520,000 | 46.7% | 0.7% |
| Equity Prime Mortgage LLC | $635,000 | $3,515,000 | 453.5% | 0.7% |
| NAVY FEDERAL CREDIT UNION | $4,265,000 | $3,325,000 | -22.0% | 0.7% |
| MASON MCDUFFIE MORTGAGE CORPORATION | $1,310,000 | $3,295,000 | 151.5% | 0.7% |
| GUARANTEED RATE, INC. | $2,640,000 | $3,135,000 | 18.8% | 0.7% |
| NEWREZ LLC | $1,500,000 | $2,885,000 | 92.3% | 0.6% |
| AmeriHome Mortgage Company, LLC | $285,000 | $2,840,000 | 896.5% | 0.6% |
| American Airlines Federal Credit Union | $1,275,000 | $2,730,000 | 114.1% | 0.6% |
| City Bank | $1,580,000 | $2,680,000 | 69.6% | 0.6% |
| HOMESIDE FINANCIAL, LLC | $105,000 | $2,665,000 | 2,438.1% | 0.6% |
| The American National Bank of Texas | $890,000 | $2,585,000 | 190.4% | 0.5% |
| GARDNER FINANCIAL SERVICES, LTD. | $1,550,000 | $2,385,000 | 53.9% | 0.5% |
| Paramount Residential Mortgage Group, Inc. | $940,000 | $2,380,000 | 153.2% | 0.5% |
| Wells Fargo Bank | $4,370,000 | $2,370,000 | -45.8% | 0.5% |
| Mr. Cooper ( Nationstar Mortgage ) | $1,545,000 | $2,320,000 | 50.2% | 0.5% |
| Citizens National Bank of Texas | $75,000 | $2,170,000 | 2,793.3% | 0.5% |
| AMERICAN FINANCIAL RESOURCES, INC. | $2,125,000 | n/a | 0.4% | |
| Flagstar Bank, FSB | $865,000 | $2,090,000 | 141.6% | 0.4% |
| USAA Federal Savings Bank | $1,620,000 | $2,060,000 | 27.2% | 0.4% |
| AMERICAN PORTFOLIO MORTGAGE CORPORATION | $2,005,000 | n/a | 0.4% | |
| Affiliated Bank | $1,995,000 | $1,950,000 | -2.3% | 0.4% |
| AUSTIN COUNTY STATE BANK | $1,775,000 | n/a | 0.4% | |
| Frost Bank | $1,530,000 | $1,765,000 | 15.4% | 0.4% |
| NFM, INC. | $865,000 | $1,735,000 | 100.6% | 0.4% |
| Bank of America | $4,820,000 | $1,725,000 | -64.2% | 0.4% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $345,000 | $1,605,000 | 365.2% | 0.3% |
| Charles Schwab Bank, SSB | $195,000 | $1,595,000 | 717.9% | 0.3% |
| AMERICAN FINANCIAL NETWORK, INC. | $1,250,000 | $1,590,000 | 27.2% | 0.3% |
| DEEPHAVEN MORTGAGE LLC | $385,000 | $1,540,000 | 300.0% | 0.3% |
| Prosperity Bank | $4,095,000 | $1,510,000 | -63.1% | 0.3% |
| PHH Mortgage Corporation | $1,505,000 | n/a | 0.3% | |
| LAKEVIEW LOAN SERVICING, LLC | $1,475,000 | n/a | 0.3% | |
| MID AMERICA MORTGAGE, INC. | $1,625,000 | $1,465,000 | -9.8% | 0.3% |
| BOKF | $520,000 | $1,440,000 | 176.9% | 0.3% |
| Network Funding, L.P. | $255,000 | $1,430,000 | 460.8% | 0.3% |
| InterBank | $935,000 | $1,405,000 | 50.3% | 0.3% |
| SOUTHWEST STAGE FUNDING, LLC | $775,000 | $1,385,000 | 78.7% | 0.3% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $325,000 | $1,340,000 | 312.3% | 0.3% |
| The Loan Store, Inc. | $615,000 | $1,320,000 | 114.6% | 0.3% |
| RF Renovo Management Company, LLC | $1,310,000 | n/a | 0.3% | |
| Florida Capital Bank | $1,300,000 | n/a | 0.3% | |
| Academy Bank | $935,000 | $1,290,000 | 38.0% | 0.3% |
| NexBank | $1,480,000 | $1,235,000 | -16.6% | 0.3% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | $385,000 | $1,235,000 | 220.8% | 0.3% |
| SWBC MORTGAGE CORPORATION | $1,835,000 | $1,225,000 | -33.2% | 0.3% |
| TOWNE MORTGAGE COMPANY | $275,000 | $1,225,000 | 345.5% | 0.3% |
| Waterstone Mortgage Corporation | $1,235,000 | $1,220,000 | -1.2% | 0.3% |
| Zions Bank | $1,200,000 | n/a | 0.3% | |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $950,000 | $1,175,000 | 23.7% | 0.2% |
| FINANCE OF AMERICA REVERSE LLC | $870,000 | $1,160,000 | 33.3% | 0.2% |
| CHURCHILL MORTGAGE CORPORATION | $440,000 | $1,145,000 | 160.2% | 0.2% |
| LOANPEOPLE, LLC | $1,120,000 | n/a | 0.2% | |
| Barrington Bank & Trust Company, N.A. | $235,000 | $1,055,000 | 348.9% | 0.2% |
| First National Bank | $6,735,000 | $1,045,000 | -84.5% | 0.2% |
| HOMESPIRE MORTGAGE CORPORATION | $1,000,000 | n/a | 0.2% | |
| HOMEXPRESS MORTGAGE CORP. | $505,000 | $1,000,000 | 98.0% | 0.2% |
| Vantage Bank Texas | $365,000 | $980,000 | 168.5% | 0.2% |
| Sierra Pacific Mortgage Company, Inc. | $975,000 | n/a | 0.2% | |
| Truist | $1,145,000 | $960,000 | -16.2% | 0.2% |
| UNITED BUILT HOMES, L.L.C. | $580,000 | $945,000 | 62.9% | 0.2% |
| NATIONS RELIABLE LENDING, LLC | $205,000 | $935,000 | 356.1% | 0.2% |
| U.S. Bank | $225,000 | $930,000 | 313.3% | 0.2% |
| FORT WORTH CITY CREDIT UNION | $35,000 | $920,000 | 2,528.6% | 0.2% |
| Wellington State Bank | $155,000 | $920,000 | 493.5% | 0.2% |
| TEXAS TECH | $625,000 | $910,000 | 45.6% | 0.2% |
| DOMINION FINANCIAL SERVICES, LLC | $895,000 | n/a | 0.2% | |
| Ally Bank | $355,000 | $880,000 | 147.9% | 0.2% |
| RANDOLPH-BROOKS | $860,000 | $870,000 | 1.2% | 0.2% |
| Prosperity Home Mortgage, LLC | $2,585,000 | $865,000 | -66.5% | 0.2% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $890,000 | $855,000 | -3.9% | 0.2% |
| BAY EQUITY LLC | $850,000 | n/a | 0.2% | |
| Independent Bank | $865,000 | $840,000 | -2.9% | 0.2% |
| ALLIED MORTGAGE GROUP, INC. | $830,000 | n/a | 0.2% | |
| FIRST NATIONAL BANK OF WEATHERFORD | $470,000 | $825,000 | 75.5% | 0.2% |
| AMERISAVE MORTGAGE CORPORATION | $1,910,000 | $815,000 | -57.3% | 0.2% |
| The Huntington National Bank | $785,000 | n/a | 0.2% | |
| Worthington National Bank | $785,000 | n/a | 0.2% | |
| AMERICAN HERITAGE LENDING, INC. | $385,000 | $775,000 | 101.3% | 0.2% |
| American Mortgage Bank, LLC | $765,000 | n/a | 0.2% | |
| CORNERSTONE HOME LENDING, INC. | $765,000 | n/a | 0.2% | |
| Century Mortgage Company DBA Century Lending Company | $710,000 | $755,000 | 6.3% | 0.2% |
| Raymond James Bank | $735,000 | n/a | 0.2% | |
| ENCORE BANK | $730,000 | n/a | 0.2% | |
| PLANET HOME LENDING, LLC | $205,000 | $710,000 | 246.3% | 0.1% |
| Pinnacle Bank | $1,110,000 | $690,000 | -37.8% | 0.1% |
| ZILLOW HOME LOANS, LLC | $295,000 | $675,000 | 128.8% | 0.1% |
| THE MORTGAGE LINK, INC. | $745,000 | $665,000 | -10.7% | 0.1% |
| TRIAD FINANCIAL SERVICES, INC. | $260,000 | $660,000 | 153.8% | 0.1% |
| Quontic Bank | $655,000 | n/a | 0.1% | |
| PACIFIC RESIDENTIAL MORTGAGE, LLC | $530,000 | $635,000 | 19.8% | 0.1% |
| Discover Bank | $410,000 | $615,000 | 50.0% | 0.1% |
| FIRST COLONY MORTGAGE CORPORATION | $615,000 | n/a | 0.1% | |
| ARC HOME LLC | $990,000 | $605,000 | -38.9% | 0.1% |
| Choice Financial Group | $605,000 | n/a | 0.1% | |
| NBKC BANK | $905,000 | $605,000 | -33.1% | 0.1% |
| RBC Bank, (Georgia) | $605,000 | n/a | 0.1% | |
| FUNDLOANS CAPITAL | $585,000 | n/a | 0.1% | |
| WILLOW BEND MORTGAGE COMPANY, LLC | $670,000 | $570,000 | -14.9% | 0.1% |
| SUN WEST MORTGAGE COMPANY, INC. | $610,000 | $560,000 | -8.2% | 0.1% |
| First Bank | $1,330,000 | $545,000 | -59.0% | 0.1% |
| Jefferson Bank | $540,000 | n/a | 0.1% | |
| ENVOY MORTGAGE, LTD | $275,000 | $525,000 | 90.9% | 0.1% |
| OCMBC, INC. | $890,000 | $525,000 | -41.0% | 0.1% |
| American Mortgage & Equity Consultants, Inc. | $345,000 | $515,000 | 49.3% | 0.1% |
| AMERICAN INTERNET MORTGAGE, INC. | $505,000 | n/a | 0.1% | |
| Texas Bank and Trust Company | $485,000 | $505,000 | 4.1% | 0.1% |
| Goldman Sachs Bank USA | $495,000 | n/a | 0.1% | |
| The First National Bank of Las Animas | $485,000 | n/a | 0.1% | |
| Credit Union of Texas | $385,000 | $480,000 | 24.7% | 0.1% |
| PENTAGON FEDERAL CREDIT UNION | $1,095,000 | $480,000 | -56.2% | 0.1% |
| INTEGRITY MORTGAGE CORPORATION OF TEXAS | $375,000 | $470,000 | 25.3% | 0.1% |
| ABILENE TEACHERS Federal Credit Union | $405,000 | $465,000 | 14.8% | 0.1% |
| MOVEMENT MORTGAGE, LLC | $1,140,000 | $465,000 | -59.2% | 0.1% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $1,410,000 | $460,000 | -67.4% | 0.1% |
| Farmers Bank & Trust | $455,000 | n/a | 0.1% | |
| Ixonia Bank | $385,000 | $455,000 | 18.2% | 0.1% |
| PointBank | $455,000 | n/a | 0.1% | |
| Great Plains National Bank | $450,000 | n/a | 0.1% | |
| FIDELITY BANK | $445,000 | n/a | 0.1% | |
| ROYAL UNITED MORTGAGE LLC | $580,000 | $445,000 | -23.3% | 0.1% |
| S1L, Inc. | $1,465,000 | $440,000 | -70.0% | 0.1% |
| Alliance Credit Union | $785,000 | $430,000 | -45.2% | 0.1% |
| American National Bank & Trust | $430,000 | n/a | 0.1% | |
| Commerce Home Mortgage, Inc. | $285,000 | $425,000 | 49.1% | 0.1% |
| FORT WORTH COMMUNITY | $160,000 | $415,000 | 159.4% | 0.1% |
| JMAC LENDING, INC. | $410,000 | n/a | 0.1% | |
| Centennial Bank | $205,000 | $405,000 | 97.6% | 0.1% |
| Northpointe Bank | $895,000 | $405,000 | -54.7% | 0.1% |
| Watermark Capital, Inc. | $405,000 | n/a | 0.1% | |
| Armed Forces Bank | $395,000 | n/a | 0.1% | |
| SECURITY SERVICE | $295,000 | $390,000 | 32.2% | 0.1% |
| DIRECTIONS EQUITY, LLC | $385,000 | n/a | 0.1% | |
| First United Bank | $505,000 | $385,000 | -23.8% | 0.1% |
| Midwest Mortgage Associates Corporation | $385,000 | n/a | 0.1% | |
| Sunflower Bank | $820,000 | $385,000 | -53.0% | 0.1% |
| Magnolia Bank | $380,000 | n/a | 0.1% | |
| Texas Mortgage Lending, LLC | $440,000 | $380,000 | -13.6% | 0.1% |
| CANOPY MORTGAGE, LLC | $215,000 | $370,000 | 72.1% | 0.1% |
| Leader Bank | $365,000 | n/a | 0.1% | |
| BMO Harris Bank | $235,000 | $355,000 | 51.1% | 0.1% |
| Loan Simple, Inc. | $355,000 | n/a | 0.1% | |
| Lakeview Community Capital, LLC | $345,000 | n/a | 0.1% | |
| LRS FINANCIAL NETWORK, INC. | $345,000 | n/a | 0.1% | |
| MICHIGAN MUTUAL, INC. | $345,000 | n/a | 0.1% | |
| H E B | $375,000 | $340,000 | -9.3% | 0.1% |
| VILLAGE CAPITAL MORTGAGE | $630,000 | $340,000 | -46.0% | 0.1% |
| Broadway National Bank | $335,000 | n/a | 0.1% | |
| Plains Commerce Bank | $855,000 | $335,000 | -60.8% | 0.1% |
| UNITED MORTGAGE CORP | $335,000 | n/a | 0.1% | |
| 1ST SIGNATURE LENDING, LLC | $315,000 | n/a | 0.1% | |
| SeaTrust Mortgage Company | $315,000 | n/a | 0.1% | |
| AMERICAN FINANCING CORPORATION | $290,000 | $305,000 | 5.2% | 0.1% |
| Southside Bank | $595,000 | $305,000 | -48.7% | 0.1% |
| Encompass Lending Group, LP | $55,000 | $295,000 | 436.4% | 0.1% |
| Citizens State Bank | $285,000 | n/a | 0.1% | |
| Fifth Third Bank | $285,000 | n/a | 0.1% | |
| GEO-CORP, INC. | $285,000 | n/a | 0.1% | |
| Mid-Continent Funding, Inc. | $285,000 | n/a | 0.1% | |
| PLAZA HOME MORTGAGE, INC. | $1,605,000 | $285,000 | -82.2% | 0.1% |
| AMPLIFY | $55,000 | $275,000 | 400.0% | 0.1% |
| CLEARPATH LENDING | $275,000 | n/a | 0.1% | |
| RANLIFE, INC. | $275,000 | n/a | 0.1% | |
| Cornerstone First Mortgage, Inc | $270,000 | n/a | 0.1% | |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $1,755,000 | $270,000 | -84.6% | 0.1% |
| Home Mortgage Alliance Corp | $265,000 | n/a | 0.1% | |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $260,000 | n/a | 0.1% | |
| First Federal Bank | $455,000 | $255,000 | -44.0% | 0.1% |
| COUNTRYPLACE MORTGAGE, LTD. | $340,000 | $245,000 | -27.9% | 0.1% |
| HOMETRUST MORTGAGE COMPANY | $245,000 | n/a | 0.1% | |
| LAND HOME FINANCIAL SERVICES, INC. | $245,000 | n/a | 0.1% | |
| Assurance Financial Group, L.L.C. | $235,000 | n/a | 0.0% | |
| ALLIANT CREDIT UNION | $225,000 | n/a | 0.0% | |
| EMBRACE HOME LOANS, INC. | $225,000 | n/a | 0.0% | |
| FIRST COMMUNITY CREDIT UNION | $425,000 | $225,000 | -47.1% | 0.0% |
| First Horizon Bank | $1,870,000 | $225,000 | -88.0% | 0.0% |
| LENDINGHOME FUNDING CORPORATION | $215,000 | n/a | 0.0% | |
| LONGBRIDGE FINANCIAL, LLC | $295,000 | $215,000 | -27.1% | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | $650,000 | $205,000 | -68.5% | 0.0% |
| Community National Bank | $315,000 | $205,000 | -34.9% | 0.0% |
| PREMIA MORTGAGE, LLC | $205,000 | n/a | 0.0% | |
| Security State Bank & Trust | $790,000 | $205,000 | -74.1% | 0.0% |
| Farm Credit Mid-America, ACA | $185,000 | n/a | 0.0% | |
| FLAT BRANCH MORTGAGE, INC. | $355,000 | $185,000 | -47.9% | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | $915,000 | $185,000 | -79.8% | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | $85,000 | $175,000 | 105.9% | 0.0% |
| T2 FINANCIAL LLC | $175,000 | n/a | 0.0% | |
| First National Bank Texas | $165,000 | n/a | 0.0% | |
| DATCU | $145,000 | n/a | 0.0% | |
| SUMMIT FUNDING, INC. | $135,000 | n/a | 0.0% | |
| UNIVERSITY Federal Credit Union | $135,000 | n/a | 0.0% | |
| International Bank of Commerce | $125,000 | n/a | 0.0% | |
| Legend Bank, N.A. | $265,000 | $125,000 | -52.8% | 0.0% |
| MEMBERS TRUST OF THE SOUTHWEST FCU | $115,000 | n/a | 0.0% | |
| CERTIFIED FUNDING, L.P. | $145,000 | $110,000 | -24.1% | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | $105,000 | n/a | 0.0% | |
| BancorpSouth | $1,465,000 | $105,000 | -92.8% | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | $105,000 | n/a | 0.0% | |
| Community National Bank & Trust of Texas | $95,000 | n/a | 0.0% | |
| GENEVA FINANCIAL, LLC | $1,255,000 | $95,000 | -92.4% | 0.0% |
| ALTRA | $85,000 | n/a | 0.0% | |
| Herring Bank | $85,000 | n/a | 0.0% | |
| Grandview Bank | $365,000 | $75,000 | -79.5% | 0.0% |
| GREATER TEXAS FEDERAL CREDIT UNION | $300,000 | $75,000 | -75.0% | 0.0% |
| SPRING EQ, LLC | $105,000 | $65,000 | -38.1% | 0.0% |
| AMARILLO COMMUNITY | $55,000 | n/a | 0.0% | |
| Comerica Bank | $55,000 | n/a | 0.0% | |
| Figure Lending LLC | $45,000 | n/a | 0.0% |
Granbury's top lender by overall market share is UNITED WHOLESALE MORTGAGE, LLC, with 6.8% market share. In second place, with 6.6%, is QUICKEN LOANS, LLC, having originated $31,605,000 in loans. In third place, with 5.3%, is First Financial Bank, having originated $25,300,000 in loans. In fourth place, with 4.4%, is The First National Bank of Granbury, having originated $20,920,000 in loans. In fifth place, with 3.5%, is SFMC, LP, having originated $16,520,000 in loans.
Granbury, TX Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 1,157 | $362,275,000 | $313,116 |
| Cash Out Refi | 159 | $43,965,000 | $276,509 |
| Refi | 155 | $51,005,000 | $329,065 |
| Other | 89 | $11,685,000 | $131,292 |
| Home Improvement | 71 | $8,985,000 | $126,549 |
Granbury's most frequently cited loan purpose was Home Purchase, with 1,157 originations. The 2nd most popular reason was Cash Out Refi, with 159 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 671 | $210,635,000 | $313,912 |
| 7-8% | 402 | $118,890,000 | $295,746 |
| Over 8% | 199 | $37,005,000 | $185,955 |
| 5-6% | 197 | $66,435,000 | $337,234 |
| 4-5% | 30 | $10,000,000 | $333,333 |
| <2.5% | 21 | $175,000 | $8,333 |
| 3-4% | 8 | $1,770,000 | $221,250 |
| 2.5-3% | 1 | $395,000 | $395,000 |
During 2024, Granbury's most frequently originated rate bucket was 6-7%, with 671 originations.
Loan Sizing (Granbury, TX MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 803 | $228,105,000 | $284,066 |
| $100k-200k | 342 | $51,630,000 | $150,965 |
| $400k-600k | 213 | $102,795,000 | $482,606 |
| $100,000 or less | 169 | $9,175,000 | $54,290 |
| $600k-1000k | 91 | $67,475,000 | $741,484 |
| $Over $1MM | 13 | $18,735,000 | $1,441,154 |
Granbury's loan sizing saw the bucket of loans from $200k-400k with 803 originations, totaling $228,105,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 726 | $232,950,000 | $320,868 |
| 60-80% | 352 | $117,650,000 | $334,233 |
| 40-60% | 152 | $45,470,000 | $299,145 |
| Under 20% | 122 | $7,700,000 | $63,115 |
| 20-40% | 120 | $19,080,000 | $159,000 |
| Over 100% | 47 | $18,845,000 | $400,957 |
Granbury's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 726 originations, totaling $232,950,000 in origination value.