Granbury Mortgage Rates & Closing Costs
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% |
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 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.