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
6.67%
for the week of 2023-03-16, compared to the national average of
6.6% for the same period.
The average rate for the prior week (2023-03-09) was
6.9% and
one month ago for the week of 2023-02-09, the
average rate was 6.19%.
Jefferson's average rate one year ago was 4.12%.
For refis of the same type during the week of 2023-03-16, the average rate
was 6.88%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2023-03-16 | 6.6% |
| Jefferson 30 Year Fixed Rate | 2023-03-16 | 6.67% |
| Jefferson 30 Year Fixed Rate Refi | 2023-03-16 | 6.88% |
| Jefferson 15 Year Fixed Rate | 2023-03-16 | 6.31% |
| Jefferson 15 Year Fixed Rate Refi | 2023-03-16 | 6.14% |
| Jefferson 30 Year FHA | 2023-03-16 | 6.48% |
| Jefferson 30 Year FHA Refi | 2023-03-16 | 6.37% |
| Jefferson 30 Year USDA | 2023-03-16 | 6.75% |
| Jefferson 30 Year USDA Refi | 2023-03-16 | 6.31% |
| Jefferson 30 Year VA | 2023-03-16 | 6.59% |
| Jefferson 30 Year VA Refi | 2023-03-16 | 5.92% |
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.).
Jefferson Average Closing Costs & Other Stats
Jefferson, GA's 210 lenders originated 5,361
loans during 2021. The total origination value was $1,325,865,000, with an average loan value of
$247,317.
Jefferson's average closing costs are $5,191.
The top Jefferson lender as defined by loan originations is QUICKEN LOANS, LLC, with
251 loans originated. Their average total fees are
$5,376, which is $1,503
higher than the next largest lender,
HOMESTAR FINANCIAL CORPORATION.
The lowest fee Jefferson lenders (with over 10 loans originated) are
FREEDOM MORTGAGE CORPORATION ($2,602), JPMorgan Chase Bank ($2,678), DHI MORTGAGE COMPANY, LTD. ($2,682), Mortgage Assurance Inc. ($2,816) and First American Bank and Trust Company ($2,902).
The lowest rate Jefferson lenders (with over 10 loans originated) are
VICTORY MORTGAGE, L.L.C. (2.82%), PROVIDENT FUNDING ASSOCIATES, L.P. (2.89%), First American Bank and Trust Company (2.89%), DHI MORTGAGE COMPANY, LTD. (2.91%) and InterContinental Capital Group, Inc (2.97%).
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 | 2020 Loan Value | 2021 Loan Value | % Change | 2021 Market Share |
|---|---|---|---|---|
| QUICKEN LOANS, LLC | $101,695,000 | $115,505,000 | 13.6% | 8.7% |
| HOMESTAR FINANCIAL CORPORATION | $76,360,000 | $77,740,000 | 1.8% | 5.9% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $64,580,000 | $72,555,000 | 12.3% | 5.5% |
| UNITED WHOLESALE MORTGAGE, LLC | $33,175,000 | $53,060,000 | 59.9% | 4.0% |
| DHI MORTGAGE COMPANY, LTD. | $14,490,000 | $49,640,000 | 242.6% | 3.7% |
| Ameris Bank | $48,125,000 | $49,035,000 | 1.9% | 3.7% |
| PENNYMAC LOAN SERVICES, LLC | $16,400,000 | $33,475,000 | 104.1% | 2.5% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $46,650,000 | $29,460,000 | -36.8% | 2.2% |
| FREEDOM MORTGAGE CORPORATION | $35,970,000 | $28,370,000 | -21.1% | 2.1% |
| Regions Bank | $19,070,000 | $23,845,000 | 25.0% | 1.8% |
| BROKER SOLUTIONS, INC. | $17,905,000 | $23,770,000 | 32.8% | 1.8% |
| AMERICAN FINANCIAL NETWORK, INC. | $18,780,000 | $22,775,000 | 21.3% | 1.7% |
| LOANDEPOT.COM, LLC | $13,130,000 | $22,245,000 | 69.4% | 1.7% |
| Wells Fargo Bank | $16,135,000 | $21,250,000 | 31.7% | 1.6% |
| GUARANTEED RATE, INC. | $14,770,000 | $20,795,000 | 40.8% | 1.6% |
| Mr. Cooper ( Nationstar Mortgage ) | $16,520,000 | $18,095,000 | 9.5% | 1.4% |
| AMERISAVE MORTGAGE CORPORATION | $9,910,000 | $17,055,000 | 72.1% | 1.3% |
| EAGLE HOME MORTGAGE, LLC | $16,535,000 | n/a | 1.2% | |
| United Community Bank | $14,895,000 | $16,470,000 | 10.6% | 1.2% |
| Truist Bank | $19,890,000 | $16,285,000 | -18.1% | 1.2% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | $6,610,000 | $16,080,000 | 143.3% | 1.2% |
| Synovus Bank | $15,365,000 | $15,175,000 | -1.2% | 1.1% |
| NEWREZ LLC | $9,085,000 | $14,005,000 | 54.2% | 1.1% |
| MOVEMENT MORTGAGE, LLC | $9,635,000 | $13,855,000 | 43.8% | 1.0% |
| Northpointe Bank | $2,070,000 | $13,230,000 | 539.1% | 1.0% |
| HOME POINT FINANCIAL CORPORATION | $9,290,000 | $13,115,000 | 41.2% | 1.0% |
| SOUTHEAST MORTGAGE OF GEORGIA, INC. | $13,035,000 | $13,105,000 | 0.5% | 1.0% |
| INSPIRE HOME LOANS INC. | $10,075,000 | $12,995,000 | 29.0% | 1.0% |
| VICTORY MORTGAGE, L.L.C. | $3,720,000 | $12,535,000 | 237.0% | 0.9% |
| BETTER MORTGAGE CORPORATION | $3,195,000 | $12,495,000 | 291.1% | 0.9% |
| LAKEVIEW LOAN SERVICING, LLC | $8,010,000 | $12,025,000 | 50.1% | 0.9% |
| Flagstar Bank, FSB | $4,310,000 | $11,990,000 | 178.2% | 0.9% |
| CALIBER HOME LOANS, INC. | $9,285,000 | $11,890,000 | 28.1% | 0.9% |
| Capital City Home Loans, LLC | $16,095,000 | $11,250,000 | -30.1% | 0.8% |
| Mortgage Research Center, LLC | $9,505,000 | $10,765,000 | 13.3% | 0.8% |
| ACOPIA, LLC | $12,850,000 | $10,480,000 | -18.4% | 0.8% |
| Magnolia Bank | $10,335,000 | $9,850,000 | -4.7% | 0.7% |
| South State Bank | $1,920,000 | $9,025,000 | 370.1% | 0.7% |
| BANKSOUTH MORTGAGE COMPANY, LLC | $18,195,000 | $8,685,000 | -52.3% | 0.7% |
| NAVY FEDERAL CREDIT UNION | $8,340,000 | $7,960,000 | -4.6% | 0.6% |
| Midland States Bank | $7,875,000 | n/a | 0.6% | |
| ANGEL OAK HOME LOANS LLC | $3,885,000 | $7,805,000 | 100.9% | 0.6% |
| MILEND, INC. | $9,045,000 | $7,720,000 | -14.6% | 0.6% |
| Mortgage Assurance Inc. | $2,925,000 | $7,300,000 | 149.6% | 0.6% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | $8,690,000 | $7,235,000 | -16.7% | 0.5% |
| First American Bank and Trust Company | $5,220,000 | $6,640,000 | 27.2% | 0.5% |
| First Federal Bank | $12,075,000 | $6,595,000 | -45.4% | 0.5% |
| STOCKTON MORTGAGE CORPORATION | $7,365,000 | $6,485,000 | -11.9% | 0.5% |
| Bank of England | $6,280,000 | $5,855,000 | -6.8% | 0.4% |
| US MORTGAGE CORPORATION | $4,825,000 | $5,790,000 | 20.0% | 0.4% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $9,820,000 | $5,785,000 | -41.1% | 0.4% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $2,960,000 | $5,550,000 | 87.5% | 0.4% |
| USAA Federal Savings Bank | $9,425,000 | $5,455,000 | -42.1% | 0.4% |
| KELLER MORTGAGE, LLC | $7,520,000 | $5,385,000 | -28.4% | 0.4% |
| AMWEST FUNDING CORP. | $995,000 | $5,170,000 | 419.6% | 0.4% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $7,625,000 | $5,030,000 | -34.0% | 0.4% |
| InterContinental Capital Group, Inc | $3,075,000 | $5,015,000 | 63.1% | 0.4% |
| EVERETT FINANCIAL, INC. | $21,535,000 | $4,790,000 | -77.8% | 0.4% |
| Bank of America | $3,545,000 | $4,600,000 | 29.8% | 0.3% |
| SHELTER HOME MORTGAGE, LLC | $2,855,000 | $4,395,000 | 53.9% | 0.3% |
| Pinnacle Bank | $290,000 | $4,355,000 | 1,401.7% | 0.3% |
| Renasant Bank | $4,205,000 | $4,260,000 | 1.3% | 0.3% |
| Prosperity Home Mortgage, LLC | $7,230,000 | $4,235,000 | -41.4% | 0.3% |
| KeyBank | $4,230,000 | n/a | 0.3% | |
| AmeriHome Mortgage Company, LLC | $3,820,000 | $4,220,000 | 10.5% | 0.3% |
| CROSSCOUNTRY MORTGAGE, LLC | $6,770,000 | $4,060,000 | -40.0% | 0.3% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $3,540,000 | $3,985,000 | 12.6% | 0.3% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | $4,480,000 | $3,930,000 | -12.3% | 0.3% |
| JPMorgan Chase Bank | $3,060,000 | $3,920,000 | 28.1% | 0.3% |
| Oconee State Bank | $2,950,000 | $3,780,000 | 28.1% | 0.3% |
| FIRST COMMUNITY MORTGAGE, INC. | $4,810,000 | $3,610,000 | -24.9% | 0.3% |
| VILLAGE CAPITAL & INVESTMENT LLC | $3,250,000 | $3,600,000 | 10.8% | 0.3% |
| SUCCESS MORTGAGE PARTNERS, INC. | $5,585,000 | $3,580,000 | -35.9% | 0.3% |
| First Option Mortgage, LLC | $1,835,000 | $3,460,000 | 88.6% | 0.3% |
| Carrington Mortgage Services, LLC | $3,245,000 | $3,185,000 | -1.8% | 0.2% |
| THE MORTGAGE FIRM, INC. | $1,730,000 | $3,130,000 | 80.9% | 0.2% |
| HOMESIDE FINANCIAL, LLC | $2,095,000 | $3,120,000 | 48.9% | 0.2% |
| DAS Acquisition Company, LLC | $725,000 | $3,095,000 | 326.9% | 0.2% |
| GUARANTY MORTGAGE SERVICES, L.L.C. | $5,365,000 | $3,095,000 | -42.3% | 0.2% |
| GUARANTEED RATE AFFINITY, LLC | $370,000 | $3,070,000 | 729.7% | 0.2% |
| PNC Bank | $1,980,000 | $3,010,000 | 52.0% | 0.2% |
| The Piedmont Bank | $1,570,000 | $3,010,000 | 91.7% | 0.2% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $2,390,000 | $2,995,000 | 25.3% | 0.2% |
| DELTA COMMUNITY CREDIT UNION | $2,045,000 | $2,985,000 | 46.0% | 0.2% |
| HOMESPIRE MORTGAGE CORPORATION | $2,980,000 | n/a | 0.2% | |
| Ally Bank | $585,000 | $2,970,000 | 407.7% | 0.2% |
| Metro City Bank | $395,000 | $2,960,000 | 649.4% | 0.2% |
| CERTAINTY HOME LOANS, LLC | $870,000 | $2,905,000 | 233.9% | 0.2% |
| U.S. Bank | $2,625,000 | $2,875,000 | 9.5% | 0.2% |
| SOUTHPOINT FINANCIAL SERVICES, INC. | $2,280,000 | $2,755,000 | 20.8% | 0.2% |
| GEORGIA UNITED | $4,020,000 | $2,750,000 | -31.6% | 0.2% |
| GUARANTY HOME MORTGAGE CORPORATION | $545,000 | $2,620,000 | 380.7% | 0.2% |
| CMG MORTGAGE, INC. | $2,510,000 | $2,500,000 | -0.4% | 0.2% |
| RADIUS FINANCIAL GROUP INC. | $2,435,000 | $2,500,000 | 2.7% | 0.2% |
| PEACH STATE FEDERAL CREDIT UNION | $3,975,000 | $2,480,000 | -37.6% | 0.2% |
| Wyndham Capital Mortgage, Inc. | $1,025,000 | $2,440,000 | 138.0% | 0.2% |
| First Guaranty Mortgage Corporation | $400,000 | $2,400,000 | 500.0% | 0.2% |
| Associated Credit Union | $5,390,000 | $2,350,000 | -56.4% | 0.2% |
| CRESCENT MORTGAGE COMPANY | $1,635,000 | $2,310,000 | 41.3% | 0.2% |
| Nations Lending Corporation | $2,220,000 | $2,250,000 | 1.4% | 0.2% |
| Citizens Bank | $1,450,000 | $2,160,000 | 49.0% | 0.2% |
| Equity Prime Mortgage LLC | $2,995,000 | $2,150,000 | -28.2% | 0.2% |
| CREDIT UNION FINANCIAL SERVICES, LLC | $370,000 | $2,110,000 | 470.3% | 0.2% |
| PLANET HOME LENDING, LLC | $2,290,000 | $1,860,000 | -18.8% | 0.1% |
| The Federal Savings Bank | $4,035,000 | $1,815,000 | -55.0% | 0.1% |
| ISERVE RESIDENTIAL LENDING, LLC | $955,000 | $1,775,000 | 85.9% | 0.1% |
| 21ST MORTGAGE CORPORATION | $2,365,000 | $1,605,000 | -32.1% | 0.1% |
| Chicago Mortgage Solutions LLC | $1,600,000 | n/a | 0.1% | |
| TJC Mortgage, Inc. | $1,560,000 | $1,555,000 | -0.3% | 0.1% |
| Alcova Mortgage LLC | $765,000 | $1,520,000 | 98.7% | 0.1% |
| Paramount Residential Mortgage Group, Inc. | $1,960,000 | $1,495,000 | -23.7% | 0.1% |
| LENDUS, LLC | $2,905,000 | $1,375,000 | -52.7% | 0.1% |
| UNION HOME MORTGAGE CORP. | $1,145,000 | $1,375,000 | 20.1% | 0.1% |
| NMSI, INC. | $375,000 | $1,355,000 | 261.3% | 0.1% |
| NEW DAY FINANCIAL, LLC | $1,755,000 | $1,345,000 | -23.4% | 0.1% |
| GMFS LLC | $1,320,000 | n/a | 0.1% | |
| NATIONWIDE MORTGAGE BANKERS, INC. | $380,000 | $1,315,000 | 246.1% | 0.1% |
| Peoples Bank & Trust | $1,270,000 | n/a | 0.1% | |
| NexBank | $1,590,000 | $1,215,000 | -23.6% | 0.1% |
| UNITED PREMIER FUNDING, LLC | $605,000 | $1,195,000 | 97.5% | 0.1% |
| NBKC BANK | $995,000 | $1,190,000 | 19.6% | 0.1% |
| FBC MORTGAGE, LLC | $5,305,000 | $1,175,000 | -77.9% | 0.1% |
| TIAA, FSB | $460,000 | $1,175,000 | 155.4% | 0.1% |
| Prime Choice Funding Inc. | $195,000 | $1,160,000 | 494.9% | 0.1% |
| ROBINS FINANCIAL | $2,730,000 | $1,160,000 | -57.5% | 0.1% |
| SECURITYNATIONAL MORTGAGE COMPANY | $305,000 | $1,115,000 | 265.6% | 0.1% |
| FirstBank | $885,000 | $1,070,000 | 20.9% | 0.1% |
| NATIONS DIRECT MORTGAGE, LLC | $295,000 | $1,070,000 | 262.7% | 0.1% |
| FINANCE OF AMERICA MORTGAGE LLC | $2,125,000 | $1,065,000 | -49.9% | 0.1% |
| First Mortgage Solutions, LLC | $650,000 | $1,065,000 | 63.8% | 0.1% |
| GEORGIA'S OWN | $1,750,000 | $1,060,000 | -39.4% | 0.1% |
| AMERICAN FINANCING CORPORATION | $605,000 | $1,030,000 | 70.2% | 0.1% |
| PHH Mortgage Corporation | $735,000 | $995,000 | 35.4% | 0.1% |
| SOVEREIGN LENDING GROUP INCORPORATED | $205,000 | $990,000 | 382.9% | 0.1% |
| ATLANTA POSTAL | $855,000 | $950,000 | 11.1% | 0.1% |
| GENEVA FINANCIAL, LLC | $135,000 | $930,000 | 588.9% | 0.1% |
| Commerce Home Mortgage, Inc. | $925,000 | n/a | 0.1% | |
| ZILLOW HOME LOANS, LLC | $335,000 | $905,000 | 170.1% | 0.1% |
| Fifth Third Bank | $900,000 | $895,000 | -0.6% | 0.1% |
| RELIANCE FIRST CAPITAL, LLC | $695,000 | $895,000 | 28.8% | 0.1% |
| The Commercial Bank | $210,000 | $895,000 | 326.2% | 0.1% |
| BAY EQUITY LLC | $2,280,000 | $885,000 | -61.2% | 0.1% |
| Manufacturers and Traders Trust Company | $865,000 | n/a | 0.1% | |
| First Horizon Bank | $860,000 | n/a | 0.1% | |
| ON Q FINANCIAL, INC. | $1,125,000 | $855,000 | -24.0% | 0.1% |
| CHURCHILL MORTGAGE CORPORATION | $1,540,000 | $850,000 | -44.8% | 0.1% |
| CLEARPATH LENDING | $3,245,000 | $850,000 | -73.8% | 0.1% |
| LENOX FINANCIAL MORTGAGE CORPORATION | $650,000 | $825,000 | 26.9% | 0.1% |
| PANORAMA MORTGAGE GROUP, LLC | $795,000 | n/a | 0.1% | |
| First Internet Bank of Indiana | $275,000 | $750,000 | 172.7% | 0.1% |
| MORTGAGE INVESTORS GROUP, INC. | $2,560,000 | $745,000 | -70.9% | 0.1% |
| STEARNS LENDING, LLC | $2,295,000 | $745,000 | -67.5% | 0.1% |
| BNC National Bank | $275,000 | $740,000 | 169.1% | 0.1% |
| SIRVA MORTGAGE, INC. | $740,000 | n/a | 0.1% | |
| First-Citizens Bank & Trust Company | $675,000 | $730,000 | 8.1% | 0.1% |
| Opendoor Home Loans LLC | $725,000 | n/a | 0.1% | |
| Bank OZK | $1,250,000 | $695,000 | -44.4% | 0.1% |
| CALCON MUTUAL MORTGAGE LLC | $14,340,000 | $695,000 | -95.2% | 0.1% |
| LEADERONE FINANCIAL CORPORATION | $675,000 | $695,000 | 3.0% | 0.1% |
| Colony Bank | $295,000 | $685,000 | 132.2% | 0.1% |
| Figure Lending LLC | $285,000 | $680,000 | 138.6% | 0.1% |
| AMERICAN ADVISORS GROUP | $220,000 | $675,000 | 206.8% | 0.1% |
| First Savings Bank | $175,000 | $670,000 | 282.9% | 0.1% |
| LOANPAL, LLC | $670,000 | n/a | 0.1% | |
| Low VA Rates, LLC | $670,000 | n/a | 0.1% | |
| SWBC MORTGAGE CORPORATION | $710,000 | $665,000 | -6.3% | 0.1% |
| SPRING EQ, LLC | $300,000 | $660,000 | 120.0% | 0.0% |
| MID AMERICA MORTGAGE, INC. | $215,000 | $645,000 | 200.0% | 0.0% |
| COMMUNITY MORTGAGE CORPORATION | $410,000 | $630,000 | 53.7% | 0.0% |
| GUILD MORTGAGE COMPANY | $2,645,000 | $615,000 | -76.7% | 0.0% |
| Barrington Bank & Trust Company, N.A. | $365,000 | $605,000 | 65.8% | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | $265,000 | $605,000 | 128.3% | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | $625,000 | $595,000 | -4.8% | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $570,000 | $585,000 | 2.6% | 0.0% |
| FLAT BRANCH MORTGAGE, INC. | $560,000 | n/a | 0.0% | |
| ACADEMY MORTGAGE CORPORATION | $145,000 | $545,000 | 275.9% | 0.0% |
| HALLCO COMMUNITY CREDIT UNION | $35,000 | $545,000 | 1,457.1% | 0.0% |
| RUOFF MORTGAGE COMPANY, INC. | $240,000 | $545,000 | 127.1% | 0.0% |
| Arvest Bank | $305,000 | $530,000 | 73.8% | 0.0% |
| Morgan Stanley Private Bank | $65,000 | $515,000 | 692.3% | 0.0% |
| OAKTREE FUNDING CORP. | $265,000 | $515,000 | 94.3% | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | $500,000 | n/a | 0.0% | |
| MK LENDING CORP. | $490,000 | n/a | 0.0% | |
| CAPITAL CONCEPTS, INC. | $470,000 | n/a | 0.0% | |
| Deere Employees Credit Union | $465,000 | n/a | 0.0% | |
| Sierra Pacific Mortgage Company, Inc. | $465,000 | n/a | 0.0% | |
| Lakeview Community Capital, LLC | $625,000 | $460,000 | -26.4% | 0.0% |
| Charles Schwab Bank, SSB | $455,000 | n/a | 0.0% | |
| ONY GLO, INC. | $445,000 | $455,000 | 2.2% | 0.0% |
| SOFI LENDING CORP. | $450,000 | n/a | 0.0% | |
| North American Savings Bank, F.S.B. | $1,685,000 | $445,000 | -73.6% | 0.0% |
| MEMBER FIRST MORTGAGE, LLC | $440,000 | n/a | 0.0% | |
| Century Mortgage Company DBA Century Lending Company | $435,000 | n/a | 0.0% | |
| Assurance Financial Group, L.L.C. | $225,000 | $420,000 | 86.7% | 0.0% |
| 121 FINANCIAL | $405,000 | n/a | 0.0% | |
| HOMEXPRESS MORTGAGE CORP. | $235,000 | $405,000 | 72.3% | 0.0% |
| INTERNATIONAL CITY MORTGAGE, INC. | $405,000 | n/a | 0.0% | |
| Ixonia Bank | $375,000 | $405,000 | 8.0% | 0.0% |
| A&D Mortgage LLC | $400,000 | n/a | 0.0% | |
| SANCTUARY HOME MORTGAGE LLC | $395,000 | n/a | 0.0% | |
| Amerifirst Financial, Inc. | $1,495,000 | $390,000 | -73.9% | 0.0% |
| Mortgage Bank of California | $385,000 | n/a | 0.0% | |
| POWERCO | $175,000 | $385,000 | 120.0% | 0.0% |
| Quontic Bank | $380,000 | n/a | 0.0% | |
| First Reliance Bank | $375,000 | n/a | 0.0% | |
| DIRECT LENDERS, LLC | $165,000 | $365,000 | 121.2% | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $125,000 | $355,000 | 184.0% | 0.0% |
| LIBERTY HOME MORTGAGE CORPORATION | $1,440,000 | $355,000 | -75.3% | 0.0% |
| TIDEWATER MORTGAGE SERVICES, INC. | $355,000 | n/a | 0.0% | |
| UNION CAPITAL MORTGAGE CORPORATION | $345,000 | n/a | 0.0% | |
| CANOPY MORTGAGE, LLC | $340,000 | n/a | 0.0% | |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $335,000 | n/a | 0.0% | |
| IAA Credit Union | $325,000 | n/a | 0.0% | |
| IMPAC MORTGAGE CORP. | $325,000 | n/a | 0.0% | |
| LENDSURE MORTGAGE CORP. | $325,000 | n/a | 0.0% | |
| Sunflower Bank | $420,000 | $325,000 | -22.6% | 0.0% |
| REVERSE MORTGAGE FUNDING LLC | $145,000 | $320,000 | 120.7% | 0.0% |
| United Bank | $155,000 | $320,000 | 106.5% | 0.0% |
| Wolfe Financial, Inc | $315,000 | n/a | 0.0% | |
| FINANCE OF AMERICA REVERSE LLC | $310,000 | n/a | 0.0% | |
| LGE COMMUNITY | $590,000 | $305,000 | -48.3% | 0.0% |
| Discover Bank | $430,000 | $300,000 | -30.2% | 0.0% |
| LENDINGHOME FUNDING CORPORATION | $505,000 | $300,000 | -40.6% | 0.0% |
| Cornerstone First Mortgage, Inc | $295,000 | n/a | 0.0% | |
| IVY MORTGAGE, INC. | $290,000 | $290,000 | 0.0% | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | $905,000 | $285,000 | -68.5% | 0.0% |
| First Heritage Mortgage, LLC | $285,000 | n/a | 0.0% | |
| Waterstone Mortgage Corporation | $430,000 | $285,000 | -33.7% | 0.0% |
| AMERICAN HOME MORTGAGE, INC. | $275,000 | n/a | 0.0% | |
| BEST CAPITAL FUNDING | $235,000 | $275,000 | 17.0% | 0.0% |
| FIRST HERITAGE FINANCIAL, LLC | $215,000 | $275,000 | 27.9% | 0.0% |
| Residential Mortgage Solutions, Inc. | $275,000 | n/a | 0.0% | |
| Capitol Federal Savings Bank | $265,000 | n/a | 0.0% | |
| City National Bank | $265,000 | n/a | 0.0% | |
| MIDLAND MORTGAGE CORPORATION | $265,000 | n/a | 0.0% | |
| AMERICAN NATIONWIDE MORTGAGE COMPANY, INC. | $260,000 | n/a | 0.0% | |
| DIGITAL Federal Credit Union | $360,000 | $260,000 | -27.8% | 0.0% |
| WINGS FINANCIAL | $260,000 | n/a | 0.0% | |
| EMBRACE HOME LOANS, INC. | $435,000 | $255,000 | -41.4% | 0.0% |
| MIDWEST LOAN SOLUTIONS, INC. | $255,000 | n/a | 0.0% | |
| MORIA DEVELOPMENT, INC. | $400,000 | $255,000 | -36.3% | 0.0% |
| Carrollton Bank | $245,000 | n/a | 0.0% | |
| First National Bank of America | $750,000 | $245,000 | -67.3% | 0.0% |
| Citadel Servicing Corporation | $235,000 | n/a | 0.0% | |
| FBT Mortgage, L.L.C. | $235,000 | n/a | 0.0% | |
| LENDING 3, INC. | $235,000 | n/a | 0.0% | |
| Citibank | $240,000 | $225,000 | -6.3% | 0.0% |
| FINANCE OF AMERICA COMMERCIAL LLC | $225,000 | n/a | 0.0% | |
| VAN DYK MORTGAGE CORPORATION | $1,195,000 | $225,000 | -81.2% | 0.0% |
| BAYSHORE MORTGAGE FUNDING, LLC | $460,000 | $215,000 | -53.3% | 0.0% |
| NORWICH COMMERCIAL GROUP, INC. | $215,000 | n/a | 0.0% | |
| STATE EMPLOYEES' | $255,000 | $205,000 | -19.6% | 0.0% |
| The Loan Store, Inc. | $205,000 | n/a | 0.0% | |
| CDC Federal Credit Union | $325,000 | $195,000 | -40.0% | 0.0% |
| Gateway First Bank | $540,000 | $195,000 | -63.9% | 0.0% |
| Republic Bank & Trust Company | $195,000 | n/a | 0.0% | |
| AMERICAN FINANCIAL RESOURCES, INC. | $555,000 | $190,000 | -65.8% | 0.0% |
| CITYWIDE HOME LOANS, LLC | $185,000 | n/a | 0.0% | |
| CONTOUR MORTGAGE CORPORATION | $400,000 | $185,000 | -53.8% | 0.0% |
| Hometown Equity Mortgage, LLC | $305,000 | $185,000 | -39.3% | 0.0% |
| Horizon Bank | $185,000 | n/a | 0.0% | |
| Cf Bank | $175,000 | n/a | 0.0% | |
| LENDERFI, INC. | $175,000 | n/a | 0.0% | |
| NP, Inc. | $175,000 | n/a | 0.0% | |
| Atlantic Coast Mortgage, LLC | $165,000 | n/a | 0.0% | |
| East West Bank | $540,000 | $165,000 | -69.4% | 0.0% |
| ALLEGACY FEDERAL CREDIT UNION | $65,000 | $160,000 | 146.2% | 0.0% |
| Mid-Continent Funding, Inc. | $505,000 | $155,000 | -69.3% | 0.0% |
| STANDARD MORTGAGE CORPORATION | $155,000 | n/a | 0.0% | |
| LIMA ONE CAPITAL, LLC | $145,000 | n/a | 0.0% | |
| TOP FLITE FINANCIAL, INC. | $340,000 | $145,000 | -57.4% | 0.0% |
| Atlantic Union Bank | $625,000 | $135,000 | -78.4% | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | $135,000 | n/a | 0.0% | |
| Truliant Federal Credit Union | $15,000 | $135,000 | 800.0% | 0.0% |
| Colten Mortgage, LLC | $575,000 | $125,000 | -78.3% | 0.0% |
| ENVOY MORTGAGE, LTD | $125,000 | n/a | 0.0% | |
| First State Bank of St. Charles, Missouri | $125,000 | n/a | 0.0% | |
| Meridian Bank Corporation | $125,000 | n/a | 0.0% | |
| ALLIANT CREDIT UNION | $105,000 | n/a | 0.0% | |
| First Home Bank | $145,000 | $105,000 | -27.6% | 0.0% |
| Watermark Capital, Inc. | $95,000 | n/a | 0.0% | |
| Goldwater Bank, N.A. | $1,110,000 | $75,000 | -93.2% | 0.0% |
| 1st Franklin Financial Corporation | $80,000 | $70,000 | -12.5% | 0.0% |
| Bethpage Federal Credit Union | $55,000 | n/a | 0.0% | |
| Baxter Credit Union | $320,000 | $45,000 | -85.9% | 0.0% |
Jefferson's top lender by overall market share is QUICKEN LOANS, LLC, with 8.7% market share. In second place, with 5.9%, is HOMESTAR FINANCIAL CORPORATION, having originated $77,740,000 in loans. In third place, with 5.5%, is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, having originated $72,555,000 in loans. In fourth place, with 4.0%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $53,060,000 in loans. In fifth place, with 3.7%, is DHI MORTGAGE COMPANY, LTD., having originated $49,640,000 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 (16.4%) | $317,706 (16.4%) | 0.00 | 527 |
| 2018-02-01 | $266,975 (12.0%) | $314,199 (11.3%) | 0.00 | 537 |
| 2018-03-01 | $273,718 (11.6%) | $319,841 (11.6%) | 0.00 | 475 |
| 2018-04-01 | $289,475 (16.3%) | $333,927 (15.4%) | 0.00 | 452 |
| 2018-05-01 | $294,708 (17.9%) | $341,884 (17.2%) | 0.00 | 427 |
| 2018-06-01 | $296,475 (16.1%) | $348,972 (17.3%) | 0.00 | 426 |
| 2018-07-01 | $285,098 (12.1%) | $341,857 (16.2%) | 0.00 | 466 |
| 2018-08-01 | $281,759 (10.5%) | $336,153 (12.1%) | 0.00 | 485 |
| 2018-09-01 | $284,923 (9.2%) | $334,525 (11.7%) | 0.00 | 494 |
| 2018-10-01 | $276,647 (5.3%) | $330,346 (9.4%) | 0.00 | 612 |
| 2018-11-01 | $275,605 (5.0%) | $327,396 (7.3%) | 0.00 | 612 |
| 2018-12-01 | $275,554 (4.3%) | $328,634 (5.7%) | 0.00 | 592 |
| 2019-01-01 | $279,546 (3.2%) | $330,481 (4.0%) | 0.00 | 545 |
| 2019-02-01 | $288,850 (8.2%) | $342,627 (9.1%) | 0.00 | 536 |
| 2019-03-01 | $282,074 (3.1%) | $328,681 (2.8%) | 0.00 | 602 |
| 2019-04-01 | $273,747 (-5.4%) | $308,351 (-7.7%) | 0.00 | 676 |
| 2019-05-01 | $274,407 (-6.9%) | $306,826 (-10.3%) | 0.00 | 626 |
| 2019-06-01 | $266,294 (-10.2%) | $306,874 (-12.1%) | 0.00 | 636 |
| 2019-07-01 | $268,598 (-5.8%) | $325,786 (-4.7%) | 0.00 | 633 |
| 2019-08-01 | $267,120 (-5.2%) | $317,264 (-5.6%) | 0.00 | 644 |
| 2019-09-01 | $266,434 (-6.5%) | $306,345 (-8.4%) | 0.00 | 625 |
| 2019-10-01 | $272,976 (-1.3%) | $317,945 (-3.8%) | 0.00 | 552 |
| 2019-11-01 | $279,925 (1.6%) | $332,765 (1.6%) | 0.00 | 460 |
| 2019-12-01 | $284,445 (3.2%) | $326,711 (-0.6%) | 0.00 | 429 |
| 2020-01-01 | $284,900 (1.9%) | $324,747 (-1.7%) | 0.00 | 406 |
| 2020-02-01 | $285,000 (-1.3%) | $331,736 (-3.2%) | 0.00 | 402 |
| 2020-03-01 | $283,721 (0.6%) | $330,388 (0.5%) | 0.00 | 379 |
| 2020-04-01 | $285,193 (4.2%) | $329,074 (6.7%) | 0.00 | 411 |
| 2020-05-01 | $289,995 (5.7%) | $338,299 (10.3%) | 0.00 | 407 |
| 2020-06-01 | $300,256 (12.8%) | $350,765 (14.3%) | 0.00 | 367 |
| 2020-07-01 | $301,097 (12.1%) | $355,409 (9.1%) | 0.00 | 357 |
| 2020-08-01 | $305,117 (14.2%) | $355,112 (11.9%) | 0.00 | 342 |
| 2020-09-01 | $312,625 (17.3%) | $360,943 (17.8%) | 0.00 | 299 |
| 2020-10-01 | $314,313 (15.1%) | $358,090 (12.6%) | 0.00 | 274 |
| 2020-11-01 | $310,431 (10.9%) | $368,377 (10.7%) | 0.00 | 251 |
| 2020-12-01 | $300,419 (5.6%) | $374,769 (14.7%) | 0.00 | 240 |
| 2021-01-01 | $299,900 (5.3%) | $376,351 (15.9%) | 0.00 | 208 |
| 2021-02-01 | $314,038 (10.2%) | $400,997 (20.9%) | 0.00 | 170 |
| 2021-03-01 | $317,813 (12.0%) | $416,280 (26.0%) | 0.00 | 139 |
| 2021-04-01 | $332,500 (16.6%) | $422,027 (28.3%) | 0.00 | 132 |
| 2021-05-01 | $349,950 (20.7%) | $435,198 (28.6%) | 0.00 | 129 |
| 2021-06-01 | $372,475 (24.1%) | $452,117 (28.9%) | 0.00 | 154 |
| 2021-07-01 | $380,000 (26.2%) | $471,093 (32.6%) | 0.00 | 169 |
| 2021-08-01 | $379,950 (24.5%) | $462,544 (30.3%) | 0.00 | 204 |
| 2021-09-01 | $405,221 (29.6%) | $477,567 (32.3%) | 0.00 | 235 |
| 2021-10-01 | $409,495 (30.3%) | $479,452 (33.9%) | 0.00 | 245 |
| 2021-11-01 | $422,813 (36.2%) | $481,333 (30.7%) | 0.00 | 236 |
| 2021-12-01 | $444,990 (48.1%) | $495,454 (32.2%) | 0.00 | 225 |
| 2022-01-01 | $474,000 (58.1%) | $529,141 (40.6%) | 0.00 | 163 |
| 2022-02-01 | $458,339 (46.0%) | $532,509 (32.8%) | 0.00 | 152 |
| 2022-03-01 | $468,768 (47.5%) | $544,274 (30.8%) | 0.00 | 151 |
| 2022-04-01 | $479,355 (44.2%) | $563,092 (33.4%) | 0.00 | 165 |
| 2022-05-01 | $489,990 (40.0%) | $569,919 (31.0%) | 0.00 | 215 |
| 2022-06-01 | $479,801 (28.8%) | $563,377 (24.6%) | 0.00 | 264 |
| 2022-07-01 | $475,000 (25.0%) | $558,589 (18.6%) | 0.00 | 352 |
| 2022-08-01 | $472,868 (24.5%) | $552,469 (19.4%) | 0.00 | 391 |
| 2022-09-01 | $471,950 (16.5%) | $533,882 (11.8%) | 0.00 | 432 |
| 2022-10-01 | $450,000 (9.9%) | $515,556 (7.5%) | 0.00 | 473 |
| 2022-11-01 | $440,575 (4.2%) | $522,183 (8.5%) | 0.00 | 463 |
| 2022-12-01 | $429,999 (-3.4%) | $524,620 (5.9%) | 0.00 | 440 |
| 2023-01-01 | $434,854 (-8.3%) | $530,456 (0.3%) | 0.00 | 389 |
| 2023-02-01 | $443,450 (-3.3%) | $527,844 (-0.9%) | 0.00 | 366 |
Jefferson's median listing price for 2023-02-01 was $443,450, a difference of
$-14,889
(-3.3%) versus the prior year and
$8,596 versus the prior month.
Jefferson's median listing price comes in at 0% of the national average.
Jefferson's average listing price for 2023-02-01 was $527,844, a difference of $-4,665 (-0.9%) versus the prior year and $-2,612 versus the prior month.
For the 2023-02-01 period, Jefferson had 366 MLS listings, a difference of -23 listings (-6%) versus the prior month and 214 listings (141%) versus the prior year.
Jefferson's median listing price comes in at 0% of the national average.
Jefferson's average listing price for 2023-02-01 was $527,844, a difference of $-4,665 (-0.9%) versus the prior year and $-2,612 versus the prior month.
For the 2023-02-01 period, Jefferson had 366 MLS listings, a difference of -23 listings (-6%) versus the prior month and 214 listings (141%) 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 | 2,587 sqft |
| 2018-02-01 | 0 days | 2,576 sqft |
| 2018-03-01 | 0 days | 2,549 sqft |
| 2018-04-01 | 0 days | 2,580 sqft |
| 2018-05-01 | 0 days | 2,565 sqft |
| 2018-06-01 | 0 days | 2,580 sqft |
| 2018-07-01 | 0 days | 2,573 sqft |
| 2018-08-01 | 0 days | 2,556 sqft |
| 2018-09-01 | 0 days | 2,587 sqft |
| 2018-10-01 | 0 days | 2,580 sqft |
| 2018-11-01 | 0 days | 2,569 sqft |
| 2018-12-01 | 0 days | 2,545 sqft |
| 2019-01-01 | 0 days | 2,580 sqft |
| 2019-02-01 | 0 days | 2,590 sqft |
| 2019-03-01 | 0 days | 2,584 sqft |
| 2019-04-01 | 0 days | 2,569 sqft |
| 2019-05-01 | 0 days | 2,587 sqft |
| 2019-06-01 | 0 days | 2,575 sqft |
| 2019-07-01 | 0 days | 2,575 sqft |
| 2019-08-01 | 0 days | 2,568 sqft |
| 2019-09-01 | 0 days | 2,540 sqft |
| 2019-10-01 | 0 days | 2,517 sqft |
| 2019-11-01 | 0 days | 2,518 sqft |
| 2019-12-01 | 0 days | 2,505 sqft |
| 2020-01-01 | 0 days | 2,515 sqft |
| 2020-02-01 | 0 days | 2,509 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 | 2,501 sqft |
| 2020-07-01 | 0 days | 2,525 sqft |
| 2020-08-01 | 0 days | 2,550 sqft |
| 2020-09-01 | 0 days | 2,547 sqft |
| 2020-10-01 | 0 days | 2,442 sqft |
| 2020-11-01 | 0 days | 2,500 sqft |
| 2020-12-01 | 0 days | 2,476 sqft |
| 2021-01-01 | 0 days | 2,500 sqft |
| 2021-02-01 | 0 days | 2,370 sqft |
| 2021-03-01 | 0 days | 2,436 sqft |
| 2021-04-01 | 0 days | 2,380 sqft |
| 2021-05-01 | 0 days | 2,369 sqft |
| 2021-06-01 | 0 days | 2,380 sqft |
| 2021-07-01 | 0 days | 2,338 sqft |
| 2021-08-01 | 0 days | 2,472 sqft |
| 2021-09-01 | 0 days | 2,556 sqft |
| 2021-10-01 | 0 days | 2,536 sqft |
| 2021-11-01 | 0 days | 2,634 sqft |
| 2021-12-01 | 0 days | 2,712 sqft |
| 2022-01-01 | 0 days | 2,702 sqft |
| 2022-02-01 | 0 days | 2,582 sqft |
| 2022-03-01 | 0 days | 2,609 sqft |
| 2022-04-01 | 0 days | 2,511 sqft |
| 2022-05-01 | 0 days | 2,506 sqft |
| 2022-06-01 | 0 days | 2,566 sqft |
| 2022-07-01 | 0 days | 2,508 sqft |
| 2022-08-01 | 0 days | 2,487 sqft |
| 2022-09-01 | 0 days | 2,488 sqft |
| 2022-10-01 | 0 days | 2,433 sqft |
| 2022-11-01 | 0 days | 2,473 sqft |
| 2022-12-01 | 0 days | 2,432 sqft |
| 2023-01-01 | 0 days | 2,449 sqft |
| 2023-02-01 | 0 days | 2,472 sqft |
Jefferson's median listing age (time on market) for 2023-02-01 was 0 days.
Jefferson's median square footage for active listings during the 2023-02-01 period was 2,472 sqft. One year prior, the average listing was 2,582 sqft.
Jefferson's median square footage for active listings during the 2023-02-01 period was 2,472 sqft. One year prior, the average listing was 2,582 sqft.
Jefferson, GA Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 2,375 | $677,525,000 | $285,274 |
| Refi | 1,679 | $377,195,000 | $224,655 |
| Cash Out Refi | 1,064 | $247,050,000 | $232,190 |
| Home Improvement | 160 | $14,960,000 | $93,500 |
| Other | 83 | $9,135,000 | $110,060 |
Jefferson's most frequently cited loan purpose was Home Purchase, with 2,375 originations. The 2nd most popular reason was Refi, with 1,679 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 2.5-3% | 2,198 | $557,870,000 | $253,808 |
| 3-4% | 2,075 | $527,805,000 | $254,364 |
| <2.5% | 766 | $177,750,000 | $232,050 |
| 4-5% | 161 | $38,085,000 | $236,553 |
| Over 8% | 39 | $3,365,000 | $86,282 |
| 5-6% | 35 | $4,535,000 | $129,571 |
| 6-7% | 19 | $1,475,000 | $77,632 |
| 7-8% | 10 | $1,330,000 | $133,000 |
During 2021, Jefferson's most frequently originated rate bucket was 2.5-3%, with 2,198 originations.
Loan Sizing (Jefferson, GA MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 3,108 | $853,500,000 | $274,614 |
| $100k-200k | 1,489 | $237,035,000 | $159,191 |
| $400k-600k | 370 | $174,420,000 | $471,405 |
| $100,000 or less | 355 | $21,425,000 | $60,352 |
| $600k-1000k | 34 | $24,080,000 | $708,235 |
| $Over $1MM | 5 | $15,405,000 | $3,081,000 |
Jefferson's loan sizing saw the bucket of loans from $200k-400k with 3,108 originations, totaling $853,500,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 2,064 | $590,450,000 | $286,071 |
| 60-80% | 1,935 | $500,095,000 | $258,447 |
| 40-60% | 648 | $125,060,000 | $192,994 |
| 20-40% | 250 | $30,440,000 | $121,760 |
| Under 20% | 171 | $8,125,000 | $47,515 |
| Over 100% | 70 | $22,470,000 | $321,000 |
Jefferson's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 2,064 originations, totaling $590,450,000 in origination value.