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 7.28% for the week of 2024-05-16, compared to the national average of 7.02% for the same period.

The average rate for the prior week (2024-05-09) was 7.15% and one month ago for the week of 2024-04-11, the average rate was 7.14%.

Granbury's average rate one year ago was 6.51%.

For refis of the same type during the week of 2024-05-16, the average rate was 7.22%.

Loan Type Date Rate
US 30 Year Fixed Rate 2024-05-16 7.02%
Granbury 30 Year Fixed Rate 2024-05-16 7.28%
Granbury 30 Year Fixed Rate Refi 2024-05-16 7.22%
Granbury 15 Year Fixed Rate 2024-05-16 6.08%
Granbury 15 Year Fixed Rate Refi 2024-05-16 6.68%
Granbury 30 Year FHA 2024-05-16 6.86%
Granbury 30 Year FHA Refi 2024-05-16 6.84%
Granbury 30 Year USDA 2024-05-16 6.75%
Granbury 30 Year USDA Refi 2024-05-16 6.75%
Granbury 30 Year VA 2024-05-16 6.31%
Granbury 30 Year VA Refi 2024-05-16 6.4%
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 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
QUICKEN LOANS, LLC 49 6.79% $8,176
UNITED WHOLESALE MORTGAGE, LLC 44 6.75% $8,770
First Financial Bank 28 6.62% $5,142
Gateway First Bank 22 6.99% $12,255
SFMC, LP 19 7.30% $10,652
GUILD MORTGAGE COMPANY 19 7.23% $8,330
CARDINAL FINANCIAL 18 7.21% $9,548
PRIMELENDING, A PLAINSCAPITAL COMPANY 15 7.07% $7,694
21ST MORTGAGE CORPORATION 15 8.17% $6,839
JPMorgan Chase Bank 15 7.15% $6,022
ACADEMY MORTGAGE CORPORATION 15 7.02% $6,239
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 14 6.71% $8,814
BROKER SOLUTIONS, INC. 9 7.47% $10,238
CROSSCOUNTRY MORTGAGE, LLC 9 7.34% $8,971
Wells Fargo Bank 8 6.53% $6,391
First United Bank and Trust Company 8 7.25% $6,315
Bank of America 8 6.36% $5,755
PENNYMAC LOAN SERVICES, LLC 8 6.58% $10,247
ARK-LA-TEX FINANCIAL SERVICES, LLC. 7 7.23% $7,492
EVERETT FINANCIAL, INC. 6 6.58% $11,141
Mr. Cooper ( Nationstar Mortgage ) 5 6.57% $9,539
Affiliated Bank 5 7.13% $5,612
Waterstone Mortgage Corporation 5 6.88% $7,323
NAVY FEDERAL CREDIT UNION 5 6.48% $5,562
SWBC MORTGAGE CORPORATION 5 6.58% $6,504
CMG MORTGAGE, INC. 4 6.53% $7,965
AMCAP MORTGAGE, LTD. 4 7.09% $12,513
SECURITYNATIONAL MORTGAGE COMPANY 4 7.37% $13,319
A&D Mortgage LLC 4 8.78% $9,910
PROVIDENT FUNDING ASSOCIATES, L.P. 4 6.84% $7,472
Prosperity Bank 4 5.78% $4,598
MORTGAGE FINANCIAL SERVICES, LLC 4 6.53% $6,997
MASON MCDUFFIE MORTGAGE CORPORATION 4 6.59% $6,799
GARDNER FINANCIAL SERVICES, LTD. 4 7.00% $8,460
Colonial Savings, F.A. 4 6.59% $9,284
NTFN, INC. 3 6.75% $12,850
AMERICAN FINANCIAL NETWORK, INC. 3 7.58% $8,179
Flagstar Bank, FSB 3 6.92% $5,252
LOANDEPOT.COM, LLC 3 7.33% $6,468
City Bank 3 6.50% $11,547
LEADERONE FINANCIAL CORPORATION 3 6.79% $5,134
FREEDOM MORTGAGE CORPORATION 3 6.66% $8,668
First Bank 3 6.54% $7,158
AMERISAVE MORTGAGE CORPORATION 3 7.21% $8,342
InterBank 3 6.21% $5,776
S1L, Inc. 3 7.08% $8,429
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 3 7.70% $6,078
Southside Bank 3 7.08% $4,793
GUARANTEED RATE, INC. 3 6.71% $6,520
EECU 3 7.13% $3,193
NFM, INC. 3 7.21% $8,138
NexBank 3 6.71% $12,957
Neighborhood Loans, Inc. 3 6.75% $7,624
Northpointe Bank 3 6.79% $7,405
The Loan Store, Inc. 2 6.81% $7,384
ARC HOME LLC 2 8.88% $14,376
ASPIRE FINANCIAL, INC. 2 8.88% $14,376
AXIA FINANCIAL, LLC 2 7.31% $13,046
CALIBER HOME LOANS, INC. 2 6.13% $7,554
First Horizon Bank 2 7.50% $13,391
First National Bank 2 6.62% $9,447
First State Bank 2 5.88% $3,174
GENEVA FINANCIAL, LLC 2 7.63% $21,956
Independent Bank 2 6.94% $5,561
MOVEMENT MORTGAGE, LLC 2 6.22% $7,052
NBKC BANK 2 6.81% $4,263
NEWREZ LLC 2 6.81% $8,066
OCMBC, INC. 2 8.56% $12,042
PACIFIC RESIDENTIAL MORTGAGE, LLC 2 7.13% $6,222
Prosperity Home Mortgage, LLC 2 8.19% $14,454
RANDOLPH-BROOKS 2 5.75% $4,564
Security State Bank & Trust 2 7.56% $6,300
Sunflower Bank 2 6.81% $11,075
The American National Bank of Texas 2 7.69% $9,509
The City National Bank of Sulphur Springs 2 6.63% $3,428
THRIVE MORTGAGE, LLC 2 6.31% $19,381
Town Square Mortgage & Investments, Inc. 2 6.06% $14,285
Truist 2 6.68% $9,070
VANDERBILT MORTGAGE AND FINANCE, INC. 2 8.31% $5,292
Veritex Community Bank 2 5.38% $8,507
V.I.P. MORTGAGE, INC. 2 6.56% $6,649
Wallick & Volk, Inc. 2 7.38% $4,874
WILLOW BEND MORTGAGE COMPANY, LLC 2 7.31% $10,550
WINGS FINANCIAL 2 6.81% $4,339
CHURCHILL MORTGAGE CORPORATION 1 7.25% $7,768
Mortgage Research Center, LLC 1 7.50% $8,791
Ally Bank 1 5.63% $15,828
CHERRY CREEK MORTGAGE, LLC 1 6.88% $274
NATIONWIDE MORTGAGE BANKERS, INC. 1 7.63% $15,626
Charles Schwab Bank, SSB 1 6.10% $3,623
American Bank of Commerce 1 7.13% $5,820
Century Mortgage Company DBA Century Lending Company 1 6.88% $10,416
Network Funding, L.P. 1 6.50% $9,941
ALAMEDA MORTGAGE CORPORATION 1 7.49% $5,847
Centennial Bank 1 7.50% $6,042
NEXERA HOLDING LLC 1 9.25% $12,316
CANOPY MORTGAGE, LLC 1 6.63% $7,254
North American Savings Bank, F.S.B. 1 8.75% $5,324
BOKF 1 6.75% $4,782
BNC National Bank 1 6.50% $4,341
TOTAL MORTGAGE SERVICES, LLC 1 6.25% $8,225
OPEN MORTGAGE, LLC 1 6.99% $13,910
Origin Bank 1 6.75% $4,814
WESCOM CENTRAL CREDIT UNION 1 6.88% $6,021
Paramount Residential Mortgage Group, Inc. 1 6.38% $12,527
BMO Harris Bank 1 7.38% $4,606
PENTAGON FEDERAL CREDIT UNION 1 6.63% $6,005
PNC Bank 1 7.13% $3,371
BETTER MORTGAGE CORPORATION 1 6.50% $3,513
BARTON CREEK LENDING GROUP, LLC 1 6.50% $6,229
Trinity Oaks Mortgage, LLC 1 7.63% $12,988
BancorpSouth 1 6.13% $15,879
ANGEL OAK MORTGAGE SOLUTIONS LLC 1 10.25% $8,589
Wyndham Capital Mortgage, Inc. 1 5.88% $4,928
RED DIAMOND HOME LOANS, LLC 1 7.13% $13,056
Republic State Mortgage Co. 1 6.88% $20,422
AmeriHome Mortgage Company, LLC 1 6.88% $7,152
AMERICAN PACIFIC MORTGAGE CORPORATION 1 7.38% $10,582
SECURITY SERVICE 1 6.00% $6,304
American Airlines Federal Credit Union 1 5.88% $0
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 1 6.99% $4,671
AMERICAN HERITAGE LENDING, INC. 1 8.63% $11,307
Stifel Bank and Trust 1 6.63% $2,203
USAA Federal Savings Bank 1 6.38% $4,508
AMERICAN FINANCING CORPORATION 1 6.63% $7,344
Texas Mortgage Lending, LLC 1 8.13% $3,967
TEXAS TECH 1 6.88% $6,639
First Federal Bank 1 6.13% $5,351
FIRST COMMUNITY CREDIT UNION 1 5.13% $7,940
FIRST CENTENNIAL MORTGAGE CORPORATION 1 6.75% $2,429
Encompass Lending Group, LP 1 7.63% $3,835
TEXAS TRUST 1 5.38% $3,946
GREATER TEXAS FEDERAL CREDIT UNION 1 7.00% $8,759
EASTMAN 1 7.25% $3,187
DRAPER AND KRAMER MORTGAGE CORP. 1 6.63% $8,973
DEEPHAVEN MORTGAGE LLC 1 7.38% $14,125
HOMEBRIDGE FINANCIAL SERVICES, INC. 1 7.50% $11,569
HOMESIDE FINANCIAL, LLC 1 6.99% $3,359
U.S. Bank 1 6.75% $2,627
CRESCENT MORTGAGE COMPANY 1 6.75% $5,541
Inwood National Bank 1 6.88% $6,690
Ixonia Bank 1 6.99% $7,666
Community First National Bank 1 6.62% $4,858
CITY FIRST MORTGAGE SERVICES, L.L.C. 1 7.00% $9,939
Citizens Bank 1 6.63% $3,836
LOANPAL, LLC 1 5.75% $6,504
Citibank 1 7.75% $7,715
MID AMERICA MORTGAGE, INC. 1 7.13% $4,635
Morgan Stanley Private Bank 1 5.85% $6,313

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.