Granbury Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Granbury averaged
7.14%
for the week of 2024-11-14, compared to the national average of
6.78% for the same period.
The average rate for the prior week (2024-11-07) was
6.85% and
one month ago for the week of 2024-10-10, the
average rate was 6.68%.
Granbury's average rate one year ago was 7.76%.
For refis of the same type during the week of 2024-11-14, the average rate
was 6.98%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2024-11-14 | 6.78% |
| Granbury 30 Year Fixed Rate | 2024-11-14 | 7.14% |
| Granbury 30 Year Fixed Rate Refi | 2024-11-14 | 6.98% |
| Granbury 15 Year Fixed Rate | 2024-11-14 | 5.79% |
| Granbury 15 Year Fixed Rate Refi | 2024-11-14 | 6.59% |
| Granbury 30 Year FHA | 2024-11-14 | -0.18% |
| Granbury 30 Year FHA Refi | 2024-11-14 | -0.2% |
| Granbury 30 Year USDA | 2024-11-14 | -0.1% |
| Granbury 30 Year USDA Refi | 2024-11-14 | -0.1% |
| Granbury 30 Year VA | 2024-11-14 | 0.1% |
| Granbury 30 Year VA Refi | 2024-11-14 | -0.1% |
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 149 lenders originated 1,477
loans during 2023. The total origination value was $421,605,000, with an average loan value of
$285,447.
Granbury's average closing costs are $6,281.
The top Granbury lender as defined by loan originations is QUICKEN LOANS, LLC, with
49 loans originated. Their average total fees are
$8,176, which is $595
lower than the next largest lender,
UNITED WHOLESALE MORTGAGE, LLC.
The lowest fee Granbury lenders (with over 10 loans originated) are
First Financial Bank ($5,142), JPMorgan Chase Bank ($6,022), ACADEMY MORTGAGE CORPORATION ($6,239), 21ST MORTGAGE CORPORATION ($6,839) and PRIMELENDING, A PLAINSCAPITAL COMPANY ($7,694).
The lowest rate Granbury lenders (with over 10 loans originated) are
First Financial Bank (6.62%), FAIRWAY INDEPENDENT MORTGAGE CORPORATION (6.71%), UNITED WHOLESALE MORTGAGE, LLC (6.75%), QUICKEN LOANS, LLC (6.79%) and Gateway First Bank (6.99%).
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 | 2022 Loan Value | 2023 Loan Value | % Change | 2023 Market Share |
|---|---|---|---|---|
| First Financial Bank | $45,035,000 | $28,055,000 | -37.7% | 6.7% |
| The First National Bank of Granbury | $32,850,000 | $25,000,000 | -23.9% | 5.9% |
| UNITED WHOLESALE MORTGAGE, LLC | $19,125,000 | $23,600,000 | 23.4% | 5.6% |
| QUICKEN LOANS, LLC | $27,560,000 | $22,040,000 | -20.0% | 5.2% |
| Gateway First Bank | $14,395,000 | $14,290,000 | -0.7% | 3.4% |
| CARDINAL FINANCIAL | $13,055,000 | $13,685,000 | 4.8% | 3.2% |
| SFMC, LP | $21,815,000 | $11,630,000 | -46.7% | 2.8% |
| GUILD MORTGAGE COMPANY | $19,450,000 | $11,590,000 | -40.4% | 2.7% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $16,045,000 | $10,530,000 | -34.4% | 2.5% |
| CBRE MULTIFAMILY CAPITAL, INC. | $10,145,000 | n/a | 2.4% | |
| ACADEMY MORTGAGE CORPORATION | $8,270,000 | $7,950,000 | -3.9% | 1.9% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $10,930,000 | $6,835,000 | -37.5% | 1.6% |
| First National Bank | $2,680,000 | $6,735,000 | 151.3% | 1.6% |
| Mortgage Research Center, LLC | $7,440,000 | $6,720,000 | -9.7% | 1.6% |
| 21ST MORTGAGE CORPORATION | $5,005,000 | $6,010,000 | 20.1% | 1.4% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $8,815,000 | $5,410,000 | -38.6% | 1.3% |
| Bank of America | $2,040,000 | $4,820,000 | 136.3% | 1.1% |
| JPMorgan Chase Bank | $15,475,000 | $4,760,000 | -69.2% | 1.1% |
| AMCAP MORTGAGE, LTD. | $6,430,000 | $4,615,000 | -28.2% | 1.1% |
| First United Bank and Trust Company | $3,965,000 | $4,445,000 | 12.1% | 1.1% |
| BROKER SOLUTIONS, INC. | $2,995,000 | $4,385,000 | 46.4% | 1.0% |
| Wells Fargo Bank | $8,865,000 | $4,370,000 | -50.7% | 1.0% |
| NAVY FEDERAL CREDIT UNION | $3,240,000 | $4,265,000 | 31.6% | 1.0% |
| Prosperity Bank | $7,330,000 | $4,095,000 | -44.1% | 1.0% |
| EECU | $2,950,000 | $4,015,000 | 36.1% | 1.0% |
| CROSSCOUNTRY MORTGAGE, LLC | $3,010,000 | $3,970,000 | 31.9% | 0.9% |
| PNC Bank | $5,485,000 | $3,965,000 | -27.7% | 0.9% |
| PENNYMAC LOAN SERVICES, LLC | $6,885,000 | $3,945,000 | -42.7% | 0.9% |
| EVERETT FINANCIAL, INC. | $10,055,000 | $3,940,000 | -60.8% | 0.9% |
| Colonial Savings, F.A. | $4,785,000 | $3,830,000 | -20.0% | 0.9% |
| GUARANTEED RATE, INC. | $4,200,000 | $2,640,000 | -37.1% | 0.6% |
| CMG MORTGAGE, INC. | $3,335,000 | $2,630,000 | -21.1% | 0.6% |
| Prosperity Home Mortgage, LLC | $955,000 | $2,585,000 | 170.7% | 0.6% |
| MORTGAGE FINANCIAL SERVICES, LLC | $3,870,000 | $2,400,000 | -38.0% | 0.6% |
| FREEDOM MORTGAGE CORPORATION | $3,810,000 | $2,220,000 | -41.7% | 0.5% |
| Affiliated Bank | $2,540,000 | $1,995,000 | -21.5% | 0.5% |
| AMERISAVE MORTGAGE CORPORATION | $3,330,000 | $1,910,000 | -42.6% | 0.5% |
| OPEN MORTGAGE, LLC | $1,190,000 | $1,910,000 | 60.5% | 0.5% |
| A&D Mortgage LLC | $1,900,000 | n/a | 0.5% | |
| First Horizon Bank | $1,870,000 | n/a | 0.4% | |
| SWBC MORTGAGE CORPORATION | $1,960,000 | $1,835,000 | -6.4% | 0.4% |
| Town Square Mortgage & Investments, Inc. | $1,895,000 | $1,760,000 | -7.1% | 0.4% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $630,000 | $1,755,000 | 178.6% | 0.4% |
| SECURITYNATIONAL MORTGAGE COMPANY | $2,105,000 | $1,705,000 | -19.0% | 0.4% |
| LOANDEPOT.COM, LLC | $3,990,000 | $1,650,000 | -58.6% | 0.4% |
| MID AMERICA MORTGAGE, INC. | $1,080,000 | $1,625,000 | 50.5% | 0.4% |
| USAA Federal Savings Bank | $1,615,000 | $1,620,000 | 0.3% | 0.4% |
| PLAZA HOME MORTGAGE, INC. | $680,000 | $1,605,000 | 136.0% | 0.4% |
| City Bank | $2,675,000 | $1,580,000 | -40.9% | 0.4% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | $2,910,000 | $1,575,000 | -45.9% | 0.4% |
| GARDNER FINANCIAL SERVICES, LTD. | $1,550,000 | n/a | 0.4% | |
| Mr. Cooper ( Nationstar Mortgage ) | $5,260,000 | $1,545,000 | -70.6% | 0.4% |
| Frost Bank | $2,595,000 | $1,530,000 | -41.0% | 0.4% |
| NEWREZ LLC | $1,400,000 | $1,500,000 | 7.1% | 0.4% |
| NexBank | $935,000 | $1,480,000 | 58.3% | 0.4% |
| BancorpSouth | $730,000 | $1,465,000 | 100.7% | 0.3% |
| S1L, Inc. | $920,000 | $1,465,000 | 59.2% | 0.3% |
| First Central Savings Bank | $1,445,000 | n/a | 0.3% | |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $1,410,000 | n/a | 0.3% | |
| THRIVE MORTGAGE, LLC | $2,135,000 | $1,395,000 | -34.7% | 0.3% |
| First Bank | $590,000 | $1,330,000 | 125.4% | 0.3% |
| First Guaranty Bank | $1,320,000 | n/a | 0.3% | |
| MASON MCDUFFIE MORTGAGE CORPORATION | $235,000 | $1,310,000 | 457.4% | 0.3% |
| NTFN, INC. | $865,000 | $1,285,000 | 48.6% | 0.3% |
| American Airlines Federal Credit Union | $3,585,000 | $1,275,000 | -64.4% | 0.3% |
| GENEVA FINANCIAL, LLC | $1,255,000 | n/a | 0.3% | |
| AMERICAN FINANCIAL NETWORK, INC. | $1,250,000 | n/a | 0.3% | |
| Waterstone Mortgage Corporation | $660,000 | $1,235,000 | 87.1% | 0.3% |
| Truist | $1,555,000 | $1,145,000 | -26.4% | 0.3% |
| MOVEMENT MORTGAGE, LLC | $345,000 | $1,140,000 | 230.4% | 0.3% |
| Pinnacle Bank | $4,125,000 | $1,110,000 | -73.1% | 0.3% |
| NEXERA HOLDING LLC | $315,000 | $1,100,000 | 249.2% | 0.3% |
| PENTAGON FEDERAL CREDIT UNION | $555,000 | $1,095,000 | 97.3% | 0.3% |
| Neighborhood Loans, Inc. | $295,000 | $1,045,000 | 254.2% | 0.2% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $295,000 | $1,035,000 | 250.8% | 0.2% |
| ARC HOME LLC | $990,000 | n/a | 0.2% | |
| ASPIRE FINANCIAL, INC. | $7,310,000 | $990,000 | -86.5% | 0.2% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $450,000 | $950,000 | 111.1% | 0.2% |
| Paramount Residential Mortgage Group, Inc. | $4,035,000 | $940,000 | -76.7% | 0.2% |
| Academy Bank | $935,000 | n/a | 0.2% | |
| InterBank | $3,195,000 | $935,000 | -70.7% | 0.2% |
| SUCCESS MORTGAGE PARTNERS, INC. | $450,000 | $915,000 | 103.3% | 0.2% |
| LEADERONE FINANCIAL CORPORATION | $275,000 | $905,000 | 229.1% | 0.2% |
| NBKC BANK | $305,000 | $905,000 | 196.7% | 0.2% |
| Northpointe Bank | $1,190,000 | $895,000 | -24.8% | 0.2% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $2,025,000 | $890,000 | -56.0% | 0.2% |
| OCMBC, INC. | $365,000 | $890,000 | 143.8% | 0.2% |
| The American National Bank of Texas | $775,000 | $890,000 | 14.8% | 0.2% |
| FINANCE OF AMERICA REVERSE LLC | $1,525,000 | $870,000 | -43.0% | 0.2% |
| Flagstar Bank, FSB | $2,375,000 | $865,000 | -63.6% | 0.2% |
| Independent Bank | $655,000 | $865,000 | 32.1% | 0.2% |
| NFM, INC. | $450,000 | $865,000 | 92.2% | 0.2% |
| RANDOLPH-BROOKS | $1,135,000 | $860,000 | -24.2% | 0.2% |
| Plains Commerce Bank | $510,000 | $855,000 | 67.6% | 0.2% |
| Alliance Bank Central Texas | $840,000 | n/a | 0.2% | |
| DRAPER AND KRAMER MORTGAGE CORP. | $1,125,000 | $830,000 | -26.2% | 0.2% |
| V.I.P. MORTGAGE, INC. | $820,000 | $825,000 | 0.6% | 0.2% |
| Sunflower Bank | $400,000 | $820,000 | 105.0% | 0.2% |
| Citibank | $515,000 | $805,000 | 56.3% | 0.2% |
| Security State Bank & Trust | $285,000 | $790,000 | 177.2% | 0.2% |
| Veritex Community Bank | $125,000 | $790,000 | 532.0% | 0.2% |
| Alliance Credit Union | $785,000 | n/a | 0.2% | |
| SOUTHWEST STAGE FUNDING, LLC | $430,000 | $775,000 | 80.2% | 0.2% |
| CHERRY CREEK MORTGAGE, LLC | $910,000 | $760,000 | -16.5% | 0.2% |
| THE MORTGAGE LINK, INC. | $745,000 | n/a | 0.2% | |
| BNC National Bank | $740,000 | n/a | 0.2% | |
| Texana Bank | $725,000 | n/a | 0.2% | |
| Century Mortgage Company DBA Century Lending Company | $355,000 | $710,000 | 100.0% | 0.2% |
| WILLOW BEND MORTGAGE COMPANY, LLC | $1,445,000 | $670,000 | -53.6% | 0.2% |
| AXIA FINANCIAL, LLC | $265,000 | $650,000 | 145.3% | 0.2% |
| CALCON MUTUAL MORTGAGE LLC | $650,000 | n/a | 0.2% | |
| Equity Prime Mortgage LLC | $2,335,000 | $635,000 | -72.8% | 0.2% |
| Carrington Mortgage Services, LLC | $705,000 | $630,000 | -10.6% | 0.1% |
| VILLAGE CAPITAL MORTGAGE | $75,000 | $630,000 | 740.0% | 0.1% |
| TEXAS TECH | $315,000 | $625,000 | 98.4% | 0.1% |
| The Loan Store, Inc. | $615,000 | n/a | 0.1% | |
| SUN WEST MORTGAGE COMPANY, INC. | $1,305,000 | $610,000 | -53.3% | 0.1% |
| Liberty National Bank | $605,000 | n/a | 0.1% | |
| Southside Bank | $1,035,000 | $595,000 | -42.5% | 0.1% |
| Texas Security Bank | $595,000 | n/a | 0.1% | |
| ROYAL UNITED MORTGAGE LLC | $980,000 | $580,000 | -40.8% | 0.1% |
| UNITED BUILT HOMES, L.L.C. | $580,000 | n/a | 0.1% | |
| LOANPAL, LLC | $575,000 | n/a | 0.1% | |
| Community First National Bank | $560,000 | n/a | 0.1% | |
| Citizens Bank | $1,865,000 | $540,000 | -71.0% | 0.1% |
| Wallick & Volk, Inc. | $535,000 | n/a | 0.1% | |
| PACIFIC RESIDENTIAL MORTGAGE, LLC | $530,000 | n/a | 0.1% | |
| WINGS FINANCIAL | $530,000 | n/a | 0.1% | |
| Wyndham Capital Mortgage, Inc. | $670,000 | $525,000 | -21.6% | 0.1% |
| BOKF | $2,250,000 | $520,000 | -76.9% | 0.1% |
| CALIBER HOME LOANS, INC. | $10,425,000 | $520,000 | -95.0% | 0.1% |
| BARTON CREEK LENDING GROUP, LLC | $505,000 | n/a | 0.1% | |
| First United Bank | $505,000 | n/a | 0.1% | |
| HOMEXPRESS MORTGAGE CORP. | $415,000 | $505,000 | 21.7% | 0.1% |
| BETTER MORTGAGE CORPORATION | $1,465,000 | $490,000 | -66.6% | 0.1% |
| CITY | $485,000 | n/a | 0.1% | |
| Republic State Mortgage Co. | $485,000 | n/a | 0.1% | |
| Texas Bank and Trust Company | $485,000 | n/a | 0.1% | |
| TOTAL MORTGAGE SERVICES, LLC | $485,000 | n/a | 0.1% | |
| Morgan Stanley Private Bank | $595,000 | $475,000 | -20.2% | 0.1% |
| FIRST NATIONAL BANK OF WEATHERFORD | $2,610,000 | $470,000 | -82.0% | 0.1% |
| Citadel Servicing Corporation | $620,000 | $455,000 | -26.6% | 0.1% |
| First Federal Bank | $455,000 | n/a | 0.1% | |
| CHURCHILL MORTGAGE CORPORATION | $1,620,000 | $440,000 | -72.8% | 0.1% |
| Texas Mortgage Lending, LLC | $400,000 | $440,000 | 10.0% | 0.1% |
| DHI MORTGAGE COMPANY, LTD. | $1,870,000 | $435,000 | -76.7% | 0.1% |
| FIRST COMMUNITY CREDIT UNION | $425,000 | n/a | 0.1% | |
| The Jacksboro National Bank | $425,000 | n/a | 0.1% | |
| American State Bank | $3,005,000 | $415,000 | -86.2% | 0.1% |
| GSB MORTGAGE, INC. | $715,000 | $415,000 | -42.0% | 0.1% |
| Discover Bank | $330,000 | $410,000 | 24.2% | 0.1% |
| The First National Bank of Albany | $255,000 | $410,000 | 60.8% | 0.1% |
| ABILENE TEACHERS Federal Credit Union | $405,000 | n/a | 0.1% | |
| Logan Finance Corporation | $405,000 | n/a | 0.1% | |
| PlainsCapital Bank | $805,000 | $405,000 | -49.7% | 0.1% |
| NATIONWIDE MORTGAGE BANKERS, INC. | $395,000 | n/a | 0.1% | |
| Vista Bank | $395,000 | n/a | 0.1% | |
| AMERICAN HERITAGE LENDING, INC. | $255,000 | $385,000 | 51.0% | 0.1% |
| Credit Union of Texas | $550,000 | $385,000 | -30.0% | 0.1% |
| DEEPHAVEN MORTGAGE LLC | $325,000 | $385,000 | 18.5% | 0.1% |
| Ixonia Bank | $385,000 | n/a | 0.1% | |
| PREMIER MORTGAGE RESOURCES, L.L.C. | $385,000 | n/a | 0.1% | |
| CITY FIRST MORTGAGE SERVICES, L.L.C. | $375,000 | n/a | 0.1% | |
| H E B | $375,000 | n/a | 0.1% | |
| INTEGRITY MORTGAGE CORPORATION OF TEXAS | $590,000 | $375,000 | -36.4% | 0.1% |
| UNION HOME MORTGAGE CORP. | $540,000 | $375,000 | -30.6% | 0.1% |
| Grandview Bank | $365,000 | n/a | 0.1% | |
| Vantage Bank Texas | $295,000 | $365,000 | 23.7% | 0.1% |
| Ally Bank | $865,000 | $355,000 | -59.0% | 0.1% |
| Commerce Bank | $355,000 | n/a | 0.1% | |
| FLAT BRANCH MORTGAGE, INC. | $415,000 | $355,000 | -14.5% | 0.1% |
| LONE STAR STATE BANK | $355,000 | n/a | 0.1% | |
| The City National Bank of Sulphur Springs | $350,000 | n/a | 0.1% | |
| American Mortgage & Equity Consultants, Inc. | $345,000 | n/a | 0.1% | |
| MUTUAL OF OMAHA MORTGAGE, INC. | $1,320,000 | $345,000 | -73.9% | 0.1% |
| COUNTRYPLACE MORTGAGE, LTD. | $640,000 | $340,000 | -46.9% | 0.1% |
| Origin Bank | $335,000 | n/a | 0.1% | |
| RED DIAMOND HOME LOANS, LLC | $275,000 | $335,000 | 21.8% | 0.1% |
| American Bank of Commerce | $325,000 | n/a | 0.1% | |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $395,000 | $325,000 | -17.7% | 0.1% |
| Community National Bank | $720,000 | $315,000 | -56.3% | 0.1% |
| FIRST CENTENNIAL MORTGAGE CORPORATION | $945,000 | $310,000 | -67.2% | 0.1% |
| First State Bank | $310,000 | n/a | 0.1% | |
| GREATER TEXAS FEDERAL CREDIT UNION | $300,000 | n/a | 0.1% | |
| LONGBRIDGE FINANCIAL, LLC | $630,000 | $295,000 | -53.2% | 0.1% |
| SECURITY SERVICE | $45,000 | $295,000 | 555.6% | 0.1% |
| ZILLOW HOME LOANS, LLC | $295,000 | n/a | 0.1% | |
| AMERICAN FINANCING CORPORATION | $625,000 | $290,000 | -53.6% | 0.1% |
| AmeriHome Mortgage Company, LLC | $2,150,000 | $285,000 | -86.7% | 0.1% |
| Commerce Home Mortgage, Inc. | $285,000 | n/a | 0.1% | |
| ALAMEDA MORTGAGE CORPORATION | $275,000 | n/a | 0.1% | |
| ENVOY MORTGAGE, LTD | $275,000 | n/a | 0.1% | |
| TOWNE MORTGAGE COMPANY | $275,000 | n/a | 0.1% | |
| Legend Bank, N.A. | $265,000 | n/a | 0.1% | |
| WESCOM CENTRAL CREDIT UNION | $265,000 | n/a | 0.1% | |
| TRIAD FINANCIAL SERVICES, INC. | $935,000 | $260,000 | -72.2% | 0.1% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $1,500,000 | $255,000 | -83.0% | 0.1% |
| Hancock Whitney Bank | $255,000 | n/a | 0.1% | |
| Network Funding, L.P. | $255,000 | n/a | 0.1% | |
| Commercial Bank of Texas | $1,110,000 | $245,000 | -77.9% | 0.1% |
| Barrington Bank & Trust Company, N.A. | $235,000 | $235,000 | 0.0% | 0.1% |
| BMO Harris Bank | $235,000 | n/a | 0.1% | |
| EASTMAN | $65,000 | $235,000 | 261.5% | 0.1% |
| MEMBER FIRST MORTGAGE, LLC | $235,000 | n/a | 0.1% | |
| Texas Regional Bank | $235,000 | n/a | 0.1% | |
| Inwood National Bank | $105,000 | $225,000 | 114.3% | 0.1% |
| U.S. Bank | $625,000 | $225,000 | -64.0% | 0.1% |
| CANOPY MORTGAGE, LLC | $215,000 | n/a | 0.1% | |
| Centennial Bank | $3,215,000 | $205,000 | -93.6% | 0.0% |
| NATIONS RELIABLE LENDING, LLC | $215,000 | $205,000 | -4.7% | 0.0% |
| PLANET HOME LENDING, LLC | $1,465,000 | $205,000 | -86.0% | 0.0% |
| Stifel Bank and Trust | $205,000 | n/a | 0.0% | |
| Trinity Oaks Mortgage, LLC | $1,320,000 | $205,000 | -84.5% | 0.0% |
| Charles Schwab Bank, SSB | $710,000 | $195,000 | -72.5% | 0.0% |
| CIVIC FINANCIAL SERVICES, LLC | $1,760,000 | $175,000 | -90.1% | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | $225,000 | $175,000 | -22.2% | 0.0% |
| North American Savings Bank, F.S.B. | $245,000 | $175,000 | -28.6% | 0.0% |
| Regions Bank | $390,000 | $165,000 | -57.7% | 0.0% |
| FORT WORTH COMMUNITY | $485,000 | $160,000 | -67.0% | 0.0% |
| Wellington State Bank | $155,000 | n/a | 0.0% | |
| CERTIFIED FUNDING, L.P. | $145,000 | n/a | 0.0% | |
| Chickasaw Community Bank | $135,000 | n/a | 0.0% | |
| CRESCENT MORTGAGE COMPANY | $115,000 | n/a | 0.0% | |
| TEXAS TRUST | $295,000 | $115,000 | -61.0% | 0.0% |
| HOMESIDE FINANCIAL, LLC | $105,000 | n/a | 0.0% | |
| LOS ANGELES POLICE Federal Credit Union | $105,000 | n/a | 0.0% | |
| SPRING EQ, LLC | $510,000 | $105,000 | -79.4% | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | $75,000 | $85,000 | 13.3% | 0.0% |
| Citizens National Bank of Texas | $3,860,000 | $75,000 | -98.1% | 0.0% |
| VAL-CHRIS INVESTMENTS, INC. | $65,000 | n/a | 0.0% | |
| AMPLIFY | $1,585,000 | $55,000 | -96.5% | 0.0% |
| Benchmark Bank | $55,000 | n/a | 0.0% | |
| Encompass Lending Group, LP | $510,000 | $55,000 | -89.2% | 0.0% |
| FORT WORTH CITY CREDIT UNION | $35,000 | n/a | 0.0% | |
| United Texas Credit Union | $35,000 | n/a | 0.0% |
Granbury's top lender by overall market share is First Financial Bank, with 6.7% market share. In second place, with 5.9%, is The First National Bank of Granbury, having originated $25,000,000 in loans. In third place, with 5.6%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $23,600,000 in loans. In fourth place, with 5.2%, is QUICKEN LOANS, LLC, having originated $22,040,000 in loans. In fifth place, with 3.4%, is Gateway First Bank, having originated $14,290,000 in loans.
Granbury, TX Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 1,125 | $344,345,000 | $306,084 |
| Cash Out Refi | 114 | $27,960,000 | $245,263 |
| Other | 84 | $9,290,000 | $110,595 |
| Refi | 78 | $31,120,000 | $398,974 |
| Home Improvement | 76 | $8,890,000 | $116,974 |
Granbury's most frequently cited loan purpose was Home Purchase, with 1,125 originations. The 2nd most popular reason was Cash Out Refi, with 114 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 513 | $158,335,000 | $308,645 |
| 7-8% | 376 | $103,230,000 | $274,548 |
| Over 8% | 229 | $49,475,000 | $216,048 |
| 5-6% | 174 | $58,610,000 | $336,839 |
| <2.5% | 26 | $430,000 | $16,538 |
| 4-5% | 11 | $13,845,000 | $1,258,636 |
| 2.5-3% | 2 | $500,000 | $250,000 |
During 2023, Granbury's most frequently originated rate bucket was 6-7%, with 513 originations.
Loan Sizing (Granbury, TX MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 679 | $194,315,000 | $286,178 |
| $100k-200k | 331 | $49,085,000 | $148,293 |
| $100,000 or less | 201 | $11,015,000 | $54,801 |
| $400k-600k | 179 | $86,535,000 | $483,436 |
| $600k-1000k | 71 | $50,415,000 | $710,070 |
| $Over $1MM | 16 | $30,240,000 | $1,890,000 |
Granbury's loan sizing saw the bucket of loans from $200k-400k with 679 originations, totaling $194,315,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 578 | $179,870,000 | $311,194 |
| 60-80% | 342 | $128,170,000 | $374,766 |
| 40-60% | 134 | $36,110,000 | $269,478 |
| 20-40% | 122 | $20,280,000 | $166,230 |
| Under 20% | 120 | $6,740,000 | $56,167 |
| Over 100% | 32 | $11,190,000 | $349,688 |
Granbury's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 578 originations, totaling $179,870,000 in origination value.