Jefferson Mortgage Rates & Closing Costs

30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

30 Year Fixed Rate mortgages in Jefferson averaged 5.84% for the week of 2024-10-03, compared to the national average of 6.12% for the same period.

The average rate for the prior week (2024-09-26) was 6.1% and one month ago for the week of 2024-08-29, the average rate was 6.07%.

Jefferson's average rate one year ago was 7.23%.

For refis of the same type during the week of 2024-10-03, the average rate was 6.02%.

Loan Type Date Rate
US 30 Year Fixed Rate 2024-10-03 6.12%
Jefferson 30 Year Fixed Rate 2024-10-03 5.84%
Jefferson 30 Year Fixed Rate Refi 2024-10-03 6.02%
Jefferson 15 Year Fixed Rate 2024-10-03 5.15%
Jefferson 15 Year Fixed Rate Refi 2024-10-03 5.35%
Jefferson 30 Year FHA 2024-10-03 5.41%
Jefferson 30 Year FHA Refi 2024-10-03 5.69%
Jefferson 30 Year USDA 2024-10-03 6.17%
Jefferson 30 Year USDA Refi 2024-10-03 6.17%
Jefferson 30 Year VA 2024-10-03 5.17%
Jefferson 30 Year VA Refi 2024-10-03 5.8%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Jefferson, GA.

Jefferson 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 Jefferson, GA 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
UNITED WHOLESALE MORTGAGE, LLC 98 6.71% $9,701
QUICKEN LOANS, LLC 83 6.76% $8,001
DHI MORTGAGE COMPANY, LTD. 73 5.57% $2,970
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 72 6.73% $6,874
VICTORY MORTGAGE, L.L.C. 64 6.47% $3,165
HOMEOWNERS FINANCIAL GROUP USA, LLC 45 6.75% $10,443
EVERETT FINANCIAL, INC. 43 7.04% $10,380
VANDERBILT MORTGAGE AND FINANCE, INC. 41 5.76% $8,615
EAGLE HOME MORTGAGE, LLC 39 5.92% $6,503
HOMESTAR FINANCIAL CORPORATION 38 6.59% $7,319
BROKER SOLUTIONS, INC. 33 6.49% $9,615
MOVEMENT MORTGAGE, LLC 31 6.71% $8,589
Ameris Bank 30 6.59% $6,656
GUARANTEED RATE, INC. 27 6.66% $7,381
Regions Bank 22 6.34% $7,249
BANKSOUTH MORTGAGE COMPANY, LLC 19 6.55% $9,265
CROSSCOUNTRY MORTGAGE, LLC 18 7.05% $9,174
NVR Mortgage Finance, Inc. 17 6.58% $5,703
ACOPIA, LLC 17 6.95% $6,590
First Option Mortgage, LLC 16 7.25% $9,898
STOCKTON MORTGAGE CORPORATION 14 6.85% $6,855
PENNYMAC LOAN SERVICES, LLC 14 6.60% $6,647
Prosperity Home Mortgage, LLC 14 6.95% $7,405
ATLANTIC BAY MORTGAGE GROUP, L.L.C. 14 7.13% $10,038
Truist 12 6.38% $6,305
Capital City Home Loans, LLC 12 6.68% $8,745
Wells Fargo Bank 12 6.64% $3,833
LOANDEPOT.COM, LLC 11 6.05% $5,701
SOUTHEAST MORTGAGE OF GEORGIA, INC. 11 6.36% $8,601
South State Bank 11 6.72% $7,307
NAVY FEDERAL CREDIT UNION 11 6.24% $5,807
AMERICAN FINANCIAL NETWORK, INC. 9 6.58% $7,887
Synovus Bank 7 6.18% $6,674
NEWREZ LLC 7 6.64% $11,890
Flagstar Bank, FSB 7 6.82% $7,464
Mr. Cooper ( Nationstar Mortgage ) 7 6.68% $8,135
United Community Bank 7 6.91% $4,621
HOMESIDE FINANCIAL, LLC 6 6.56% $6,725
SHELTER HOME MORTGAGE, LLC 6 6.49% $5,162
First American Bank and Trust Company 6 6.50% $9,128
Bank of America 6 6.60% $4,910
NFM, INC. 5 6.90% $6,170
NMSI, INC. 5 6.78% $12,102
PEACH STATE FEDERAL CREDIT UNION 5 5.40% $8,998
Bank of England 5 6.75% $5,442
GUARANTEED RATE AFFINITY, LLC 5 6.60% $8,024
Magnolia Bank 5 6.58% $8,000
Metro City Bank 5 7.45% $5,461
Associated Credit Union 5 5.60% $5,754
PRIMELENDING, A PLAINSCAPITAL COMPANY 4 6.38% $5,695
FirstBank 4 6.69% $9,824
FREEDOM MORTGAGE CORPORATION 4 6.97% $10,889
General Mortgage Capital Corporation 4 6.71% $6,275
GUARANTY MORTGAGE SERVICES, L.L.C. 4 6.94% $9,171
21ST MORTGAGE CORPORATION 4 7.70% $6,501
Paramount Residential Mortgage Group, Inc. 4 7.38% $11,997
GEORGIA'S OWN 3 5.08% $6,525
FIRST COMMUNITY MORTGAGE, INC. 3 6.50% $8,236
First National Bank of America 3 10.08% $11,735
First-Citizens Bank & Trust Company 3 6.64% $3,692
GEORGIA UNITED 3 6.63% $4,816
AmeriHome Mortgage Company, LLC 3 6.91% $7,272
BETTER MORTGAGE CORPORATION 3 5.96% $7,340
JPMorgan Chase Bank 3 6.79% $1,475
PROVIDENT FUNDING ASSOCIATES, L.P. 3 5.96% $11,239
CALIBER HOME LOANS, INC. 3 6.63% $9,697
NEW WAVE LENDING GROUP INC 3 7.96% $9,333
Mortgage Assurance Inc. 3 6.79% $5,027
MORTGAGE INVESTORS GROUP, INC. 3 6.50% $3,482
MUTUAL OF OMAHA MORTGAGE, INC. 3 6.71% $13,315
NATIONWIDE MORTGAGE BANKERS, INC. 3 7.42% $15,190
DEEPHAVEN MORTGAGE LLC 3 8.83% $10,232
US MORTGAGE CORPORATION 3 7.04% $6,913
UNION HOME MORTGAGE CORP. 2 7.25% $6,845
USAA Federal Savings Bank 2 6.19% $8,306
NATIONS DIRECT MORTGAGE, LLC 2 6.43% $7,466
Barrington Bank & Trust Company, N.A. 2 6.37% $7,004
Plains Commerce Bank 2 6.88% $13,248
DELTA COMMUNITY CREDIT UNION 2 6.63% $7,109
ACADEMY MORTGAGE CORPORATION 2 6.56% $10,911
OCMBC, INC. 2 9.63% $18,569
MEMBER ONE 2 6.19% $5,162
Colony Bank 2 6.06% $5,121
CMG MORTGAGE, INC. 2 6.62% $4,741
MILEND, INC. 2 6.75% $13,026
Morgan Stanley Private Bank 2 6.15% $4,375
U.S. Bank 2 5.93% $788
GENEVA FINANCIAL, LLC 2 8.62% $10,345
First Federal Bank 2 6.00% $8,265
UNITED PREMIER FUNDING, LLC 2 7.13% $4,162
GMFS LLC 2 7.38% $7,347
ANGEL OAK MORTGAGE SOLUTIONS LLC 2 8.44% $8,764
ZILLOW HOME LOANS, LLC 2 6.75% $4,291
AMERICAN PACIFIC MORTGAGE CORPORATION 2 7.63% $10,690
Mortgage Research Center, LLC 2 6.37% $9,298
PENTAGON FEDERAL CREDIT UNION 2 6.38% $3,810
Fifth Third Bank 2 6.87% $6,315
ROYAL UNITED MORTGAGE LLC 2 7.00% $6,179
Renasant Bank 2 6.88% $5,162
East West Bank 2 6.06% $4,695
The Federal Savings Bank 1 6.25% $5,477
ALLEGACY FEDERAL CREDIT UNION 1 6.75% $4,739
Ally Bank 1 6.13% $6,453
AMERICAN FINANCING CORPORATION 1 7.13% $5,292
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 1 7.38% $7,874
AMERISAVE MORTGAGE CORPORATION 1 7.50% $10,242
ANGEL OAK HOME LOANS LLC 1 7.50% $7,601
BancorpSouth 1 6.75% $10,148
BAYSHORE MORTGAGE FUNDING, LLC 1 6.50% $11,123
Bethpage Federal Credit Union 1 7.50% $4,826
BNC National Bank 1 6.63% $17,856
Century Mortgage Company DBA Century Lending Company 1 5.99% $4,124
CHURCHILL MORTGAGE CORPORATION 1 7.38% $5,387
Cornerstone First Mortgage, Inc 1 7.25% $5,939
COUNTRYPLACE MORTGAGE, LTD. 1 7.00% $8,843
DIGITAL Federal Credit Union 1 6.00% $3,903
EMBRACE HOME LOANS, INC. 1 6.38% $4,432
EUSTIS AND AMERICAN MORTGAGE COMPANY 1 7.63% $5,846
FBC MORTGAGE, LLC 1 7.63% $15,371
FIRST COLONY MORTGAGE CORPORATION 1 6.88% $10,888
First Heritage Mortgage, LLC 1 6.95% $4,050
First Horizon Bank 1 5.38% $5,490
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 1 5.63% $8,056
HOMEBRIDGE FINANCIAL SERVICES, INC. 1 6.38% $25,530
Ixonia Bank 1 7.13% $5,152
LAKEVIEW LOAN SERVICING, LLC 1 6.13% $7,199
LEADERONE FINANCIAL CORPORATION 1 7.13% $3,120
LENDSURE MORTGAGE CORP. 1 8.00% $7,939
LIBERTY HOME MORTGAGE CORPORATION 1 7.38% $550
LOANPAL, LLC 1 5.99% $2,520
MID AMERICA MORTGAGE, INC. 1 8.38% $27,511
Nations Lending Corporation 1 7.38% $3,087
NBKC BANK 1 6.63% $5,918
NexBank 1 6.13% $8,432
OPEN MORTGAGE, LLC 1 7.25% $6,487
PANORAMA MORTGAGE GROUP, LLC 1 7.38% $11,707
PHH Mortgage Corporation 1 6.38% $7,484
PNC Bank 1 6.88% $7,770
PULTE MORTGAGE LLC 1 6.99% $2,181
RADIUS FINANCIAL GROUP INC. 1 7.37% $8,105
RBC Bank, (Georgia) 1 5.63% $3,861
RESIDENTIAL BANCORP 1 7.13% $12,622
ROBINS FINANCIAL 1 6.88% $4,431
Southern First Bank 1 6.63% $3,638
STANDARD MORTGAGE CORPORATION 1 6.75% $4,526
STATE EMPLOYEES' 1 5.40% $5,170
Sunflower Bank 1 6.38% $4,191
SWBC MORTGAGE CORPORATION 1 7.63% $0
The Huntington National Bank 1 5.38% $2,113
The Loan Store, Inc. 1 7.50% $5,745
Third Federal Savings and Loan Association of Cleveland 1 6.79% $295
TOP FLITE FINANCIAL, INC. 1 6.25% $4,298
VERITAS FUNDING, LLC 1 7.38% $14,130
WINGS FINANCIAL 1 5.38% $4,092
Wyndham Capital Mortgage, Inc. 1 5.88% $13,010

Jefferson Average Closing Costs & Other Stats

Jefferson, GA's 155 lenders originated 2,996 loans during 2023. The total origination value was $910,200,000, with an average loan value of $303,805.

Jefferson's average closing costs are $6,170.

The top Jefferson lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 98 loans originated. Their average total fees are $9,701, which is $1,700 higher than the next largest lender, QUICKEN LOANS, LLC.

The lowest fee Jefferson lenders (with over 10 loans originated) are DHI MORTGAGE COMPANY, LTD. ($2,970), VICTORY MORTGAGE, L.L.C. ($3,165), Wells Fargo Bank ($3,833), LOANDEPOT.COM, LLC ($5,701) and NVR Mortgage Finance, Inc. ($5,703).

The lowest rate Jefferson lenders (with over 10 loans originated) are DHI MORTGAGE COMPANY, LTD. (5.57%), VANDERBILT MORTGAGE AND FINANCE, INC. (5.76%), EAGLE HOME MORTGAGE, LLC (5.92%), LOANDEPOT.COM, LLC (6.05%) and NAVY FEDERAL CREDIT UNION (6.24%).

Jefferson, GA 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
UNITED WHOLESALE MORTGAGE, LLC $54,065,000 $59,235,000 9.6% 6.5%
QUICKEN LOANS, LLC $64,680,000 $49,335,000 -23.7% 5.4%
Truist $13,720,000 $48,775,000 255.5% 5.4%
DHI MORTGAGE COMPANY, LTD. $46,885,000 $48,260,000 2.9% 5.3%
BROKER SOLUTIONS, INC. $24,150,000 $42,750,000 77.0% 4.7%
VICTORY MORTGAGE, L.L.C. $28,490,000 $40,735,000 43.0% 4.5%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $38,435,000 $38,775,000 0.9% 4.3%
Ameris Bank $39,540,000 $26,260,000 -33.6% 2.9%
HOMESTAR FINANCIAL CORPORATION $41,115,000 $23,720,000 -42.3% 2.6%
VANDERBILT MORTGAGE AND FINANCE, INC. $27,105,000 $23,040,000 -15.0% 2.5%
HOMEOWNERS FINANCIAL GROUP USA, LLC $18,785,000 $22,245,000 18.4% 2.4%
EVERETT FINANCIAL, INC. $19,395,000 $22,225,000 14.6% 2.4%
MOVEMENT MORTGAGE, LLC $15,600,000 $17,415,000 11.6% 1.9%
Regions Bank $22,450,000 $15,250,000 -32.1% 1.7%
GUARANTEED RATE, INC. $12,565,000 $12,990,000 3.4% 1.4%
NVR Mortgage Finance, Inc. $12,220,000 n/a 1.3%
First Option Mortgage, LLC $7,215,000 $11,290,000 56.5% 1.2%
BANKSOUTH MORTGAGE COMPANY, LLC $8,790,000 $10,540,000 19.9% 1.2%
EAGLE HOME MORTGAGE, LLC $10,940,000 $10,495,000 -4.1% 1.2%
NAVY FEDERAL CREDIT UNION $6,850,000 $10,390,000 51.7% 1.1%
PENNYMAC LOAN SERVICES, LLC $15,120,000 $10,295,000 -31.9% 1.1%
CROSSCOUNTRY MORTGAGE, LLC $4,695,000 $9,855,000 109.9% 1.1%
United Community Bank $13,130,000 $8,590,000 -34.6% 0.9%
ACOPIA, LLC $4,705,000 $8,065,000 71.4% 0.9%
Prosperity Home Mortgage, LLC $6,200,000 $7,945,000 28.1% 0.9%
Mortgage Research Center, LLC $11,385,000 $7,755,000 -31.9% 0.9%
LOANDEPOT.COM, LLC $18,090,000 $7,520,000 -58.4% 0.8%
Synovus Bank $20,645,000 $7,210,000 -65.1% 0.8%
FREEDOM MORTGAGE CORPORATION $10,305,000 $7,195,000 -30.2% 0.8%
SOUTHEAST MORTGAGE OF GEORGIA, INC. $12,930,000 $6,970,000 -46.1% 0.8%
ATLANTIC BAY MORTGAGE GROUP, L.L.C. $5,140,000 $6,745,000 31.2% 0.7%
Wells Fargo Bank $14,745,000 $6,405,000 -56.6% 0.7%
Capital City Home Loans, LLC $11,080,000 $5,905,000 -46.7% 0.6%
AMERICAN FINANCIAL NETWORK, INC. $5,705,000 n/a 0.6%
STOCKTON MORTGAGE CORPORATION $2,055,000 $5,530,000 169.1% 0.6%
Bank of America $5,530,000 $5,185,000 -6.2% 0.6%
South State Bank $11,275,000 $5,110,000 -54.7% 0.6%
NEWREZ LLC $3,740,000 $4,920,000 31.6% 0.5%
AMWEST FUNDING CORP. $7,275,000 $4,670,000 -35.8% 0.5%
Flagstar Bank, FSB $5,795,000 $4,375,000 -24.5% 0.5%
Oconee State Bank $3,005,000 $4,200,000 39.8% 0.5%
Pinnacle Bank $220,000 $4,100,000 1,763.6% 0.5%
Paramount Residential Mortgage Group, Inc. $1,675,000 $3,955,000 136.1% 0.4%
ACADEMY MORTGAGE CORPORATION $165,000 $3,950,000 2,293.9% 0.4%
US MORTGAGE CORPORATION $5,135,000 $3,710,000 -27.8% 0.4%
First American Bank and Trust Company $5,320,000 $3,575,000 -32.8% 0.4%
GUARANTEED RATE AFFINITY, LLC $2,325,000 $3,395,000 46.0% 0.4%
GENEVA FINANCIAL, LLC $1,375,000 $3,175,000 130.9% 0.3%
Renasant Bank $2,295,000 $3,155,000 37.5% 0.3%
JPMorgan Chase Bank $2,650,000 $3,070,000 15.8% 0.3%
GEORGIA'S OWN $2,385,000 $2,880,000 20.8% 0.3%
GEORGIA UNITED $1,900,000 $2,845,000 49.7% 0.3%
USAA Federal Savings Bank $925,000 $2,820,000 204.9% 0.3%
Magnolia Bank $5,700,000 $2,795,000 -51.0% 0.3%
AMERISAVE MORTGAGE CORPORATION $9,400,000 $2,785,000 -70.4% 0.3%
NMSI, INC. $1,115,000 $2,710,000 143.0% 0.3%
PEACH STATE FEDERAL CREDIT UNION $1,130,000 $2,600,000 130.1% 0.3%
Mr. Cooper ( Nationstar Mortgage ) $10,030,000 $2,525,000 -74.8% 0.3%
SHELTER HOME MORTGAGE, LLC $2,785,000 $2,410,000 -13.5% 0.3%
GUARANTY MORTGAGE SERVICES, L.L.C. $2,870,000 $2,300,000 -19.9% 0.3%
21ST MORTGAGE CORPORATION $1,980,000 $2,290,000 15.7% 0.3%
Bank of England $3,790,000 $2,285,000 -39.7% 0.3%
Mortgage Assurance Inc. $2,265,000 $2,220,000 -2.0% 0.2%
FirstBank $800,000 $2,200,000 175.0% 0.2%
Metro City Bank $3,995,000 $2,185,000 -45.3% 0.2%
FIRST COMMUNITY MORTGAGE, INC. $520,000 $2,130,000 309.6% 0.2%
Discover Bank $1,870,000 $2,105,000 12.6% 0.2%
AMERICAN PACIFIC MORTGAGE CORPORATION $1,000,000 $2,100,000 110.0% 0.2%
NFM, INC. $2,240,000 $2,095,000 -6.5% 0.2%
HOMESIDE FINANCIAL, LLC $8,035,000 $2,055,000 -74.4% 0.2%
PRIMELENDING, A PLAINSCAPITAL COMPANY $3,260,000 $2,055,000 -37.0% 0.2%
MORTGAGE INVESTORS GROUP, INC. $1,600,000 $2,015,000 25.9% 0.2%
DELTA COMMUNITY CREDIT UNION $1,705,000 $1,950,000 14.4% 0.2%
PROVIDENT FUNDING ASSOCIATES, L.P. $3,745,000 $1,930,000 -48.5% 0.2%
ZILLOW HOME LOANS, LLC $1,285,000 $1,875,000 45.9% 0.2%
VILLAGE CAPITAL MORTGAGE $885,000 $1,845,000 108.5% 0.2%
Citizens Bank $425,000 $1,820,000 328.2% 0.2%
Associated Credit Union $1,090,000 $1,810,000 66.1% 0.2%
PNC Bank $4,210,000 $1,740,000 -58.7% 0.2%
East West Bank $545,000 $1,650,000 202.8% 0.2%
Plains Commerce Bank $375,000 $1,650,000 340.0% 0.2%
NBKC BANK $955,000 $1,640,000 71.7% 0.2%
UNION HOME MORTGAGE CORP. $560,000 $1,600,000 185.7% 0.2%
Franklin Loan Corporation $1,560,000 n/a 0.2%
Equity Prime Mortgage LLC $835,000 $1,540,000 84.4% 0.2%
NEW WAVE LENDING GROUP INC $1,455,000 n/a 0.2%
BancorpSouth $670,000 $1,420,000 111.9% 0.2%
U.S. Bank $8,010,000 $1,415,000 -82.3% 0.2%
Figure Lending LLC $1,065,000 $1,405,000 31.9% 0.2%
MUTUAL OF OMAHA MORTGAGE, INC. $2,685,000 $1,375,000 -48.8% 0.2%
BETTER MORTGAGE CORPORATION $5,020,000 $1,370,000 -72.7% 0.2%
ROBINS FINANCIAL $1,005,000 $1,360,000 35.3% 0.1%
CALIBER HOME LOANS, INC. $5,735,000 $1,315,000 -77.1% 0.1%
NATIONWIDE MORTGAGE BANKERS, INC. $365,000 $1,275,000 249.3% 0.1%
CARDINAL FINANCIAL $3,240,000 $1,270,000 -60.8% 0.1%
First-Citizens Bank & Trust Company $355,000 $1,230,000 246.5% 0.1%
AmeriHome Mortgage Company, LLC $920,000 $1,225,000 33.2% 0.1%
First Federal Bank $2,155,000 $1,185,000 -45.0% 0.1%
Fifth Third Bank $1,810,000 $1,180,000 -34.8% 0.1%
Morgan Stanley Private Bank $385,000 $1,175,000 205.2% 0.1%
VERITAS FUNDING, LLC $1,090,000 n/a 0.1%
LENDINGHOME FUNDING CORPORATION $400,000 $1,045,000 161.3% 0.1%
General Mortgage Capital Corporation $165,000 $1,040,000 530.3% 0.1%
DEEPHAVEN MORTGAGE LLC $2,170,000 $1,015,000 -53.2% 0.1%
LAKEVIEW LOAN SERVICING, LLC $5,820,000 $1,010,000 -82.6% 0.1%
First Horizon Bank $210,000 $1,005,000 378.6% 0.1%
MID AMERICA MORTGAGE, INC. $670,000 $975,000 45.5% 0.1%
PENTAGON FEDERAL CREDIT UNION $1,940,000 $975,000 -49.7% 0.1%
Carrington Mortgage Services, LLC $3,415,000 $970,000 -71.6% 0.1%
Century Mortgage Company DBA Century Lending Company $1,070,000 $955,000 -10.7% 0.1%
Third Federal Savings and Loan Association of Cleveland $1,185,000 $925,000 -21.9% 0.1%
GMFS LLC $1,235,000 $920,000 -25.5% 0.1%
ANGEL OAK MORTGAGE SOLUTIONS LLC $640,000 $895,000 39.8% 0.1%
Hometown Equity Mortgage, LLC $880,000 n/a 0.1%
RELIANCE FIRST CAPITAL, LLC $370,000 $880,000 137.8% 0.1%
DIGITAL Federal Credit Union $235,000 $875,000 272.3% 0.1%
FBC MORTGAGE, LLC $1,800,000 $875,000 -51.4% 0.1%
A&D Mortgage LLC $855,000 n/a 0.1%
Colony Bank $1,185,000 $845,000 -28.7% 0.1%
Cornerstone First Mortgage, Inc $840,000 n/a 0.1%
AMERICAN FINANCING CORPORATION $475,000 $835,000 75.8% 0.1%
OCMBC, INC. $830,000 n/a 0.1%
The Piedmont Bank $1,625,000 $825,000 -49.2% 0.1%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $860,000 $820,000 -4.7% 0.1%
First National Bank of America $275,000 $805,000 192.7% 0.1%
HOMEBRIDGE FINANCIAL SERVICES, INC. $2,315,000 $785,000 -66.1% 0.1%
AgFirst Farm Credit Bank $705,000 n/a 0.1%
CMG MORTGAGE, INC. $1,420,000 $705,000 -50.4% 0.1%
BankSouth $690,000 n/a 0.1%
MEMBER ONE $670,000 n/a 0.1%
Nations Lending Corporation $1,835,000 $670,000 -63.5% 0.1%
TEMPLE VIEW CAPITAL FUNDING, LP $335,000 $665,000 98.5% 0.1%
FIRST ALLIANCE HOME MORTGAGE, LLC $590,000 $660,000 11.9% 0.1%
SUMMIT FUNDING, INC. $940,000 $660,000 -29.8% 0.1%
Northpointe Bank $7,015,000 $655,000 -90.7% 0.1%
STATE EMPLOYEES' $470,000 $645,000 37.2% 0.1%
SWBC MORTGAGE CORPORATION $430,000 $640,000 48.8% 0.1%
CHURCHILL MORTGAGE CORPORATION $1,850,000 $630,000 -65.9% 0.1%
EUSTIS AND AMERICAN MORTGAGE COMPANY $615,000 n/a 0.1%
PANORAMA MORTGAGE GROUP, LLC $595,000 $610,000 2.5% 0.1%
The Loan Store, Inc. $610,000 n/a 0.1%
MILEND, INC. $3,245,000 $600,000 -81.5% 0.1%
SUN WEST MORTGAGE COMPANY, INC. $590,000 n/a 0.1%
BAYSHORE MORTGAGE FUNDING, LLC $585,000 n/a 0.1%
BNC National Bank $1,110,000 $585,000 -47.3% 0.1%
Peoples Bank & Trust $570,000 n/a 0.1%
PULTE MORTGAGE LLC $555,000 n/a 0.1%
AMERICAN FINANCIAL RESOURCES, INC. $490,000 $550,000 12.2% 0.1%
WINGS FINANCIAL $295,000 $535,000 81.4% 0.1%
First Savings Bank $245,000 $505,000 106.1% 0.1%
ISERVE RESIDENTIAL LENDING, LLC $865,000 $500,000 -42.2% 0.1%
OPEN MORTGAGE, LLC $95,000 $500,000 426.3% 0.1%
PLAZA HOME MORTGAGE, INC. $1,045,000 $500,000 -52.2% 0.1%
ALLIANT CREDIT UNION $130,000 $495,000 280.8% 0.1%
EMBRACE HOME LOANS, INC. $425,000 $490,000 15.3% 0.1%
ENVOY MORTGAGE, LTD $470,000 n/a 0.1%
BAY EQUITY LLC $650,000 $465,000 -28.5% 0.1%
LONGBRIDGE FINANCIAL, LLC $195,000 $465,000 138.5% 0.1%
The Huntington National Bank $1,330,000 $465,000 -65.0% 0.1%
Ixonia Bank $455,000 n/a 0.0%
NEW DAY FINANCIAL, LLC $1,840,000 $455,000 -75.3% 0.0%
CityWorth Mortgage LLC $435,000 n/a 0.0%
COMMUNITY MORTGAGE CORPORATION $175,000 $435,000 148.6% 0.0%
NexBank $295,000 $435,000 47.5% 0.0%
Pinnacle Bank $220,000 $430,000 95.5% 0.0%
ANGEL OAK HOME LOANS LLC $2,460,000 $425,000 -82.7% 0.0%
MORTGAGE SOLUTIONS OF COLORADO, LLC $805,000 $425,000 -47.2% 0.0%
TOP FLITE FINANCIAL, INC. $980,000 $425,000 -56.6% 0.0%
FINANCE OF AMERICA REVERSE LLC $370,000 $420,000 13.5% 0.0%
RBC Bank, (Georgia) $305,000 $415,000 36.1% 0.0%
First IC Corporation $400,000 n/a 0.0%
Peoples Bank $395,000 n/a 0.0%
UNITED PREMIER FUNDING, LLC $795,000 $390,000 -50.9% 0.0%
CRESCENT MORTGAGE COMPANY $2,600,000 $385,000 -85.2% 0.0%
HOMESTEAD FUNDING CORP. $305,000 $385,000 26.2% 0.0%
LEADERONE FINANCIAL CORPORATION $385,000 n/a 0.0%
Wyndham Capital Mortgage, Inc. $770,000 $385,000 -50.0% 0.0%
ALLEGACY FEDERAL CREDIT UNION $370,000 n/a 0.0%
FINANCE OF AMERICA MORTGAGE LLC $1,855,000 $365,000 -80.3% 0.0%
First Heritage Mortgage, LLC $375,000 $365,000 -2.7% 0.0%
THRIVE MORTGAGE, LLC $165,000 $365,000 121.2% 0.0%
Ally Bank $920,000 $355,000 -61.4% 0.0%
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. $355,000 n/a 0.0%
Barrington Bank & Trust Company, N.A. $350,000 n/a 0.0%
V.I.P. MORTGAGE, INC. $340,000 n/a 0.0%
COUNTRYPLACE MORTGAGE, LTD. $335,000 n/a 0.0%
RESIDENTIAL BANCORP $395,000 $335,000 -15.2% 0.0%
T2 FINANCIAL LLC $535,000 $335,000 -37.4% 0.0%
TRIAD FINANCIAL SERVICES, INC. $335,000 n/a 0.0%
LOANPAL, LLC $330,000 n/a 0.0%
Residential Mortgage Solutions, Inc. $325,000 n/a 0.0%
SOUTHPOINT FINANCIAL SERVICES, INC. $1,525,000 $325,000 -78.7% 0.0%
FIRST COLONY MORTGAGE CORPORATION $315,000 n/a 0.0%
NATIONS RELIABLE LENDING, LLC $440,000 $315,000 -28.4% 0.0%
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $215,000 $305,000 41.9% 0.0%
Southern First Bank $355,000 $305,000 -14.1% 0.0%
Wolfe Financial, Inc $305,000 n/a 0.0%
Bethpage Federal Credit Union $375,000 $295,000 -21.3% 0.0%
NATIONS DIRECT MORTGAGE, LLC $355,000 $290,000 -18.3% 0.0%
PREMIA MORTGAGE, LLC $285,000 n/a 0.0%
RADIUS FINANCIAL GROUP INC. $2,995,000 $285,000 -90.5% 0.0%
STANDARD MORTGAGE CORPORATION $275,000 n/a 0.0%
Arvest Bank $265,000 n/a 0.0%
Greenbox Loans, Inc. $265,000 n/a 0.0%
TOTAL MORTGAGE SERVICES, LLC $265,000 n/a 0.0%
Assurance Financial Group, L.L.C. $175,000 $235,000 34.3% 0.0%
SANCTUARY HOME MORTGAGE LLC $235,000 n/a 0.0%
ROYAL UNITED MORTGAGE LLC $265,000 $230,000 -13.2% 0.0%
Northwest Federal Credit Union $220,000 n/a 0.0%
Capital City Bank $360,000 $215,000 -40.3% 0.0%
Woori America Bank $215,000 n/a 0.0%
TOWER $145,000 $210,000 44.8% 0.0%
HomeTrust Bank $205,000 n/a 0.0%
LENDSURE MORTGAGE CORP. $415,000 $205,000 -50.6% 0.0%
EASTMAN $175,000 n/a 0.0%
LIBERTY HOME MORTGAGE CORPORATION $175,000 n/a 0.0%
PHH Mortgage Corporation $630,000 $175,000 -72.2% 0.0%
Stifel Bank and Trust $345,000 $175,000 -49.3% 0.0%
United States Senate Federal Credit Union $175,000 n/a 0.0%
HALLCO COMMUNITY CREDIT UNION $65,000 $170,000 161.5% 0.0%
MTC Federal Credit Union $85,000 $155,000 82.4% 0.0%
Sunflower Bank $155,000 $155,000 0.0% 0.0%
M&T Bank $195,000 $145,000 -25.6% 0.0%
SPRING EQ, LLC $1,065,000 $140,000 -86.9% 0.0%
POWERCO $545,000 $135,000 -75.2% 0.0%
Southern States Bank $135,000 n/a 0.0%
Grow Financial Federal Credit Union $125,000 n/a 0.0%
CDC Federal Credit Union $130,000 $110,000 -15.4% 0.0%
ITHINK FINANCIAL Credit Union $105,000 n/a 0.0%
KINECTA $105,000 n/a 0.0%
The Federal Savings Bank $1,390,000 $105,000 -92.4% 0.0%
Connexus Credit Union $100,000 n/a 0.0%
ATLANTA POSTAL $100,000 $95,000 -5.0% 0.0%
FIRST TECHNOLOGY $85,000 n/a 0.0%
GENISYS $85,000 n/a 0.0%
TEACHERS $25,000 $85,000 240.0% 0.0%
PLANET HOME LENDING, LLC $3,005,000 $65,000 -97.8% 0.0%
PROPONENT Federal Credit Union $105,000 $55,000 -47.6% 0.0%
Baxter Credit Union $730,000 $45,000 -93.8% 0.0%
Lakeview Community Capital, LLC $830,000 $45,000 -94.6% 0.0%
Bank OZK $215,000 $35,000 -83.7% 0.0%
AMERICAN HERITAGE FCU $25,000 n/a 0.0%
BMO Harris Bank $25,000 n/a 0.0%
S1L, Inc. $25,000 n/a 0.0%

Jefferson's top lender by overall market share is UNITED WHOLESALE MORTGAGE, LLC, with 6.5% market share. In second place, with 5.4%, is QUICKEN LOANS, LLC, having originated $49,335,000 in loans. In third place, with 5.4%, is Truist, having originated $48,775,000 in loans. In fourth place, with 5.3%, is DHI MORTGAGE COMPANY, LTD., having originated $48,260,000 in loans. In fifth place, with 4.7%, is BROKER SOLUTIONS, INC., having originated $42,750,000 in loans.


Jefferson Housing Market Trends (Median, Average Prices & Listing Count)

Realtor.com - Jefferson (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Price (YoY Change) Average Listing Price (YoY) MSA/US Median Price Ratio Active Listings
2018-01-01 $270,785 (15.9%) $317,585 (16.3%) 0.00 527
2018-02-01 $266,975 (11.6%) $314,082 (11.1%) 0.00 537
2018-03-01 $274,015 (11.7%) $320,083 (11.6%) 0.00 474
2018-04-01 $289,725 (16.4%) $334,223 (15.5%) 0.00 451
2018-05-01 $294,804 (18.0%) $342,368 (17.4%) 0.00 426
2018-06-01 $297,950 (16.3%) $349,470 (17.4%) 0.00 424
2018-07-01 $285,149 (12.0%) $342,215 (16.2%) 0.00 465
2018-08-01 $281,759 (10.5%) $336,217 (12.1%) 0.00 483
2018-09-01 $284,923 (9.2%) $334,585 (11.7%) 0.00 492
2018-10-01 $276,775 (5.4%) $330,681 (9.5%) 0.00 610
2018-11-01 $276,305 (5.2%) $328,058 (7.4%) 0.00 609
2018-12-01 $276,459 (4.6%) $329,455 (6.0%) 0.00 589
2019-01-01 $279,900 (3.4%) $331,487 (4.4%) 0.00 544
2019-02-01 $289,675 (8.5%) $343,644 (9.4%) 0.00 536
2019-03-01 $282,976 (3.3%) $329,579 (3.0%) 0.00 603
2019-04-01 $274,728 (-5.2%) $309,977 (-7.3%) 0.00 675
2019-05-01 $274,795 (-6.8%) $307,382 (-10.2%) 0.00 628
2019-06-01 $266,795 (-10.5%) $307,822 (-11.9%) 0.00 634
2019-07-01 $268,751 (-5.8%) $326,523 (-4.6%) 0.00 630
2019-08-01 $267,124 (-5.2%) $317,909 (-5.5%) 0.00 640
2019-09-01 $265,960 (-6.7%) $306,562 (-8.4%) 0.00 620
2019-10-01 $272,157 (-1.7%) $317,676 (-3.9%) 0.00 548
2019-11-01 $279,925 (1.3%) $332,605 (1.4%) 0.00 459
2019-12-01 $284,173 (2.8%) $326,742 (-0.8%) 0.00 428
2020-01-01 $284,900 (1.8%) $324,623 (-2.1%) 0.00 405
2020-02-01 $285,000 (-1.6%) $331,838 (-3.4%) 0.00 402
2020-03-01 $283,743 (0.3%) $330,596 (0.3%) 0.00 379
2020-04-01 $285,193 (3.8%) $329,166 (6.2%) 0.00 411
2020-05-01 $289,990 (5.5%) $338,131 (10.0%) 0.00 407
2020-06-01 $300,256 (12.5%) $350,578 (13.9%) 0.00 367
2020-07-01 $301,327 (12.1%) $355,146 (8.8%) 0.00 357
2020-08-01 $306,285 (14.7%) $354,956 (11.7%) 0.00 348
2020-09-01 $315,164 (18.5%) $360,969 (17.8%) 0.00 311
2020-10-01 $315,338 (15.9%) $358,674 (12.9%) 0.00 287
2020-11-01 $313,204 (11.9%) $368,775 (10.9%) 0.00 264
2020-12-01 $305,438 (7.5%) $377,255 (15.5%) 0.00 250
2021-01-01 $303,823 (6.6%) $379,587 (16.9%) 0.00 217
2021-02-01 $315,456 (10.7%) $402,994 (21.4%) 0.00 171
2021-03-01 $320,725 (13.0%) $418,543 (26.6%) 0.00 141
2021-04-01 $335,360 (17.6%) $424,934 (29.1%) 0.00 135
2021-05-01 $352,500 (21.6%) $438,764 (29.8%) 0.00 130
2021-06-01 $372,475 (24.1%) $453,771 (29.4%) 0.00 154
2021-07-01 $379,950 (26.1%) $470,921 (32.6%) 0.00 169
2021-08-01 $379,450 (23.9%) $461,446 (30.0%) 0.00 203
2021-09-01 $404,111 (28.2%) $478,092 (32.5%) 0.00 234
2021-10-01 $409,990 (30.0%) $480,423 (33.9%) 0.00 244
2021-11-01 $423,366 (35.2%) $483,047 (31.0%) 0.00 237
2021-12-01 $445,235 (45.8%) $497,587 (31.9%) 0.00 226
2022-01-01 $471,995 (55.4%) $527,877 (39.1%) 0.00 165
2022-02-01 $458,339 (45.3%) $532,013 (32.0%) 0.00 152
2022-03-01 $471,185 (46.9%) $543,778 (29.9%) 0.00 152
2022-04-01 $475,654 (41.8%) $556,629 (31.0%) 0.00 165
2022-05-01 $487,495 (38.3%) $567,489 (29.3%) 0.00 214
2022-06-01 $478,495 (28.5%) $559,689 (23.3%) 0.00 265
2022-07-01 $474,829 (25.0%) $555,571 (18.0%) 0.00 352
2022-08-01 $474,900 (25.2%) $552,361 (19.7%) 0.00 391
2022-09-01 $472,664 (17.0%) $535,658 (12.0%) 0.00 428
2022-10-01 $450,000 (9.8%) $517,588 (7.7%) 0.00 464
2022-11-01 $444,613 (5.0%) $523,506 (8.4%) 0.00 457
2022-12-01 $429,999 (-3.4%) $525,351 (5.6%) 0.00 436
2023-01-01 $432,770 (-8.3%) $529,425 (0.3%) 0.00 389
2023-02-01 $443,187 (-3.3%) $527,337 (-0.9%) 0.00 366
2023-03-01 $446,848 (-5.2%) $532,029 (-2.2%) 0.00 353
2023-04-01 $442,479 (-7.0%) $524,800 (-5.7%) 0.00 355
2023-05-01 $446,887 (-8.3%) $532,338 (-6.2%) 0.00 345
2023-06-01 $449,725 (-6.0%) $510,357 (-8.8%) 0.00 352
2023-07-01 $449,973 (-5.2%) $514,114 (-7.5%) 0.00 356
2023-08-01 $447,627 (-5.7%) $508,992 (-7.9%) 0.00 364
2023-09-01 $448,710 (-5.1%) $496,452 (-7.3%) 0.00 374
2023-10-01 $442,122 (-1.8%) $504,232 (-2.6%) 0.00 405
2023-11-01 $446,302 (0.4%) $515,205 (-1.6%) 0.00 416
2023-12-01 $444,345 (3.3%) $519,169 (-1.2%) 0.00 410
2024-01-01 $447,327 (3.4%) $528,459 (-0.2%) 0.00 383
2024-02-01 $444,262 (0.2%) $531,754 (0.8%) 0.00 390
2024-03-01 $440,000 (-1.5%) $536,062 (0.8%) 0.00 407
2024-04-01 $445,690 (0.7%) $551,975 (5.2%) 0.00 439
2024-05-01 $466,595 (4.4%) $568,336 (6.8%) 0.00 496
2024-06-01 $474,900 (5.6%) $565,702 (10.8%) 0.00 531
2024-07-01 $475,000 (5.6%) $568,941 (10.7%) 0.00 562
2024-08-01 $474,168 (5.9%) $578,655 (13.7%) 0.00 580
2024-09-01 $468,101 (4.3%) $575,882 (16.0%) 0.00 619
Jefferson's median listing price for 2024-09-01 was $468,101, a difference of $19,391 (4.3%) versus the prior year and $-6,067 versus the prior month.

Jefferson's median listing price comes in at 0% of the national average.

Jefferson's average listing price for 2024-09-01 was $575,882, a difference of $79,430 (16.0%) versus the prior year and $-2,773 versus the prior month.

For the 2024-09-01 period, Jefferson had 619 MLS listings, a difference of 39 listings (7%) versus the prior month and 245 listings (66%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - Jefferson (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 0 days 2,591 sqft
2018-02-01 0 days 2,577 sqft
2018-03-01 0 days 2,549 sqft
2018-04-01 0 days 2,582 sqft
2018-05-01 0 days 2,576 sqft
2018-06-01 0 days 2,587 sqft
2018-07-01 0 days 2,569 sqft
2018-08-01 0 days 2,529 sqft
2018-09-01 0 days 2,580 sqft
2018-10-01 0 days 2,536 sqft
2018-11-01 0 days 2,548 sqft
2018-12-01 0 days 2,545 sqft
2019-01-01 0 days 2,580 sqft
2019-02-01 0 days 2,602 sqft
2019-03-01 0 days 2,605 sqft
2019-04-01 0 days 2,584 sqft
2019-05-01 0 days 2,602 sqft
2019-06-01 0 days 2,580 sqft
2019-07-01 0 days 2,584 sqft
2019-08-01 0 days 2,573 sqft
2019-09-01 0 days 2,551 sqft
2019-10-01 0 days 2,518 sqft
2019-11-01 0 days 2,511 sqft
2019-12-01 0 days 2,501 sqft
2020-01-01 0 days 2,504 sqft
2020-02-01 0 days 2,501 sqft
2020-03-01 0 days 2,500 sqft
2020-04-01 0 days 2,497 sqft
2020-05-01 0 days 2,493 sqft
2020-06-01 0 days 2,508 sqft
2020-07-01 0 days 2,536 sqft
2020-08-01 0 days 2,550 sqft
2020-09-01 0 days 2,560 sqft
2020-10-01 0 days 2,500 sqft
2020-11-01 0 days 2,506 sqft
2020-12-01 0 days 2,500 sqft
2021-01-01 0 days 2,500 sqft
2021-02-01 0 days 2,390 sqft
2021-03-01 0 days 2,445 sqft
2021-04-01 0 days 2,392 sqft
2021-05-01 0 days 2,384 sqft
2021-06-01 0 days 2,390 sqft
2021-07-01 0 days 2,366 sqft
2021-08-01 0 days 2,466 sqft
2021-09-01 0 days 2,562 sqft
2021-10-01 0 days 2,543 sqft
2021-11-01 0 days 2,648 sqft
2021-12-01 0 days 2,711 sqft
2022-01-01 0 days 2,688 sqft
2022-02-01 0 days 2,582 sqft
2022-03-01 0 days 2,617 sqft
2022-04-01 0 days 2,504 sqft
2022-05-01 0 days 2,490 sqft
2022-06-01 0 days 2,562 sqft
2022-07-01 0 days 2,508 sqft
2022-08-01 0 days 2,488 sqft
2022-09-01 0 days 2,488 sqft
2022-10-01 0 days 2,436 sqft
2022-11-01 0 days 2,479 sqft
2022-12-01 0 days 2,432 sqft
2023-01-01 0 days 2,443 sqft
2023-02-01 0 days 2,471 sqft
2023-03-01 0 days 2,467 sqft
2023-04-01 0 days 2,462 sqft
2023-05-01 0 days 2,465 sqft
2023-06-01 0 days 2,467 sqft
2023-07-01 0 days 2,500 sqft
2023-08-01 0 days 2,499 sqft
2023-09-01 0 days 2,445 sqft
2023-10-01 0 days 2,444 sqft
2023-11-01 0 days 2,448 sqft
2023-12-01 0 days 2,442 sqft
2024-01-01 0 days 2,494 sqft
2024-02-01 0 days 2,456 sqft
2024-03-01 0 days 2,498 sqft
2024-04-01 0 days 2,499 sqft
2024-05-01 0 days 2,551 sqft
2024-06-01 0 days 2,562 sqft
2024-07-01 0 days 2,551 sqft
2024-08-01 0 days 2,520 sqft
2024-09-01 0 days 2,497 sqft
Jefferson's median listing age (time on market) for 2024-09-01 was 0 days.

Jefferson's median square footage for active listings during the 2024-09-01 period was 2,497 sqft. One year prior, the average listing was 2,445 sqft.

Jefferson, GA Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 2,125 $768,205,000 $361,508
Cash Out Refi 329 $73,705,000 $224,027
Other 221 $20,115,000 $91,018
Home Improvement 197 $16,475,000 $83,629
Refi 124 $31,700,000 $255,645

Jefferson's most frequently cited loan purpose was Home Purchase, with 2,125 originations. The 2nd most popular reason was Cash Out Refi, with 329 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
6-7% 1,120 $404,930,000 $361,545
5-6% 682 $231,810,000 $339,897
7-8% 619 $179,905,000 $290,638
Over 8% 402 $52,660,000 $130,995
4-5% 81 $26,015,000 $321,173
<2.5% 12 $200,000 $16,667
3-4% 5 $1,495,000 $299,000
2.5-3% 3 $415,000 $138,333

During 2023, Jefferson's most frequently originated rate bucket was 6-7%, with 1,120 originations.

Loan Sizing (Jefferson, GA MSA)

Loan Size Originations Total Value Average Loan
$200k-400k 1,587 $485,035,000 $305,630
$400k-600k 502 $233,990,000 $466,116
$100,000 or less 429 $24,115,000 $56,212
$100k-200k 378 $55,270,000 $146,217
$600k-1000k 94 $65,680,000 $698,723
$Over $1MM 6 $46,110,000 $7,685,000

Jefferson's loan sizing saw the bucket of loans from $200k-400k with 1,587 originations, totaling $485,035,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 1,355 $499,955,000 $368,970
60-80% 654 $221,780,000 $339,113
Under 20% 369 $21,265,000 $57,629
40-60% 277 $105,695,000 $381,570
20-40% 233 $30,525,000 $131,009
Over 100% 43 $17,585,000 $408,953

Jefferson's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 1,355 originations, totaling $499,955,000 in origination value.