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
6.65%
for the week of 2023-11-30, compared to the national average of
7.22% for the same period.
The average rate for the prior week (2023-11-22) was
7.12% and
one month ago for the week of 2023-10-26, the
average rate was 7.22%.
Jefferson's average rate one year ago was 6.41%.
For refis of the same type during the week of 2023-11-30, the average rate
was 6.56%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2023-11-30 | 7.22% |
| Jefferson 30 Year Fixed Rate | 2023-11-30 | 6.65% |
| Jefferson 30 Year Fixed Rate Refi | 2023-11-30 | 6.56% |
| Jefferson 15 Year Fixed Rate | 2023-11-30 | 6.36% |
| Jefferson 15 Year Fixed Rate Refi | 2023-11-30 | 7.06% |
| Jefferson 30 Year FHA | 2023-11-30 | 6.52% |
| Jefferson 30 Year FHA Refi | 2023-11-30 | 7.15% |
| Jefferson 30 Year USDA | 2023-11-30 | 7.2% |
| Jefferson 30 Year USDA Refi | 2023-11-30 | 6.9% |
| Jefferson 30 Year VA | 2023-11-30 | 6.16% |
| Jefferson 30 Year VA Refi | 2023-11-30 | 6.97% |
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 185 lenders originated 3,464
loans during 2022. The total origination value was $995,970,000, with an average loan value of
$287,520.
Jefferson's average closing costs are $5,647.
The top Jefferson lender as defined by loan originations is QUICKEN LOANS, LLC, with
139 loans originated. Their average total fees are
$7,054, which is $702
higher than the next largest lender,
UNITED WHOLESALE MORTGAGE, LLC.
The lowest fee Jefferson lenders (with over 10 loans originated) are
EVERETT FINANCIAL, INC. ($2,659), VICTORY MORTGAGE, L.L.C. ($4,037), Wells Fargo Bank ($4,587), Northpointe Bank ($4,590) and DHI MORTGAGE COMPANY, LTD. ($4,636).
The lowest rate Jefferson lenders (with over 10 loans originated) are
BETTER MORTGAGE CORPORATION (3.81%), EAGLE HOME MORTGAGE, LLC (4.15%), Truist (4.18%), Bank of America (4.24%) and U.S. Bank (4.24%).
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 | 2021 Loan Value | 2022 Loan Value | % Change | 2022 Market Share |
|---|---|---|---|---|
| QUICKEN LOANS, LLC | $115,505,000 | $64,680,000 | -44.0% | 6.5% |
| UNITED WHOLESALE MORTGAGE, LLC | $53,060,000 | $54,065,000 | 1.9% | 5.4% |
| DHI MORTGAGE COMPANY, LTD. | $49,640,000 | $46,885,000 | -5.5% | 4.7% |
| HOMESTAR FINANCIAL CORPORATION | $77,740,000 | $41,115,000 | -47.1% | 4.1% |
| Ameris Bank | $49,035,000 | $39,540,000 | -19.4% | 4.0% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $72,555,000 | $38,435,000 | -47.0% | 3.9% |
| VICTORY MORTGAGE, L.L.C. | $12,535,000 | $28,490,000 | 127.3% | 2.9% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $29,460,000 | $27,105,000 | -8.0% | 2.7% |
| BROKER SOLUTIONS, INC. | $23,770,000 | $24,150,000 | 1.6% | 2.4% |
| Regions Bank | $23,845,000 | $22,450,000 | -5.9% | 2.3% |
| Synovus Bank | $15,175,000 | $20,645,000 | 36.0% | 2.1% |
| EVERETT FINANCIAL, INC. | $4,790,000 | $19,395,000 | 304.9% | 1.9% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | $16,080,000 | $18,785,000 | 16.8% | 1.9% |
| LOANDEPOT.COM, LLC | $22,245,000 | $18,090,000 | -18.7% | 1.8% |
| MOVEMENT MORTGAGE, LLC | $13,855,000 | $15,600,000 | 12.6% | 1.6% |
| PENNYMAC LOAN SERVICES, LLC | $33,475,000 | $15,120,000 | -54.8% | 1.5% |
| Wells Fargo Bank | $21,250,000 | $14,745,000 | -30.6% | 1.5% |
| Truist | $16,285,000 | $13,720,000 | -15.8% | 1.4% |
| United Community Bank | $16,470,000 | $13,130,000 | -20.3% | 1.3% |
| SOUTHEAST MORTGAGE OF GEORGIA, INC. | $13,105,000 | $12,930,000 | -1.3% | 1.3% |
| GUARANTEED RATE, INC. | $20,795,000 | $12,565,000 | -39.6% | 1.3% |
| Mortgage Research Center, LLC | $10,765,000 | $11,385,000 | 5.8% | 1.1% |
| South State Bank | $9,025,000 | $11,275,000 | 24.9% | 1.1% |
| Capital City Home Loans, LLC | $11,250,000 | $11,080,000 | -1.5% | 1.1% |
| EAGLE HOME MORTGAGE, LLC | $16,535,000 | $10,940,000 | -33.8% | 1.1% |
| FREEDOM MORTGAGE CORPORATION | $28,370,000 | $10,305,000 | -63.7% | 1.0% |
| Mr. Cooper ( Nationstar Mortgage ) | $18,095,000 | $10,030,000 | -44.6% | 1.0% |
| AMERISAVE MORTGAGE CORPORATION | $17,055,000 | $9,400,000 | -44.9% | 0.9% |
| BANKSOUTH MORTGAGE COMPANY, LLC | $8,685,000 | $8,790,000 | 1.2% | 0.9% |
| HOMESIDE FINANCIAL, LLC | $3,120,000 | $8,035,000 | 157.5% | 0.8% |
| U.S. Bank | $2,875,000 | $8,010,000 | 178.6% | 0.8% |
| AMWEST FUNDING CORP. | $5,170,000 | $7,275,000 | 40.7% | 0.7% |
| First Option Mortgage, LLC | $3,460,000 | $7,215,000 | 108.5% | 0.7% |
| Northpointe Bank | $13,230,000 | $7,015,000 | -47.0% | 0.7% |
| NAVY FEDERAL CREDIT UNION | $7,960,000 | $6,850,000 | -13.9% | 0.7% |
| Prosperity Home Mortgage, LLC | $4,235,000 | $6,200,000 | 46.4% | 0.6% |
| LAKEVIEW LOAN SERVICING, LLC | $12,025,000 | $5,820,000 | -51.6% | 0.6% |
| Flagstar Bank, FSB | $11,990,000 | $5,795,000 | -51.7% | 0.6% |
| CALIBER HOME LOANS, INC. | $11,890,000 | $5,735,000 | -51.8% | 0.6% |
| Magnolia Bank | $9,850,000 | $5,700,000 | -42.1% | 0.6% |
| HOME POINT FINANCIAL CORPORATION | $13,115,000 | $5,600,000 | -57.3% | 0.6% |
| Bank of America | $4,600,000 | $5,530,000 | 20.2% | 0.6% |
| First American Bank and Trust Company | $6,640,000 | $5,320,000 | -19.9% | 0.5% |
| Pinnacle Bank | $4,355,000 | $5,320,000 | 22.2% | 0.5% |
| GREYSTONE SERVICING COMPANY LLC | $5,285,000 | n/a | 0.5% | |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | $3,930,000 | $5,140,000 | 30.8% | 0.5% |
| US MORTGAGE CORPORATION | $5,790,000 | $5,135,000 | -11.3% | 0.5% |
| BETTER MORTGAGE CORPORATION | $12,495,000 | $5,020,000 | -59.8% | 0.5% |
| INSPIRE HOME LOANS INC. | $12,995,000 | $4,830,000 | -62.8% | 0.5% |
| ACOPIA, LLC | $10,480,000 | $4,705,000 | -55.1% | 0.5% |
| CROSSCOUNTRY MORTGAGE, LLC | $4,060,000 | $4,695,000 | 15.6% | 0.5% |
| PNC Bank | $3,010,000 | $4,210,000 | 39.9% | 0.4% |
| Metro City Bank | $2,960,000 | $3,995,000 | 35.0% | 0.4% |
| Bank of England | $5,855,000 | $3,790,000 | -35.3% | 0.4% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $3,985,000 | $3,745,000 | -6.0% | 0.4% |
| NEWREZ LLC | $14,005,000 | $3,740,000 | -73.3% | 0.4% |
| Carrington Mortgage Services, LLC | $3,185,000 | $3,415,000 | 7.2% | 0.3% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $5,030,000 | $3,260,000 | -35.2% | 0.3% |
| MILEND, INC. | $7,720,000 | $3,245,000 | -58.0% | 0.3% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | $7,235,000 | $3,240,000 | -55.2% | 0.3% |
| Oconee State Bank | $3,780,000 | $3,005,000 | -20.5% | 0.3% |
| PLANET HOME LENDING, LLC | $1,860,000 | $3,005,000 | 61.6% | 0.3% |
| RADIUS FINANCIAL GROUP INC. | $2,500,000 | $2,995,000 | 19.8% | 0.3% |
| CERTAINTY HOME LOANS, LLC | $2,905,000 | $2,895,000 | -0.3% | 0.3% |
| GUARANTY MORTGAGE SERVICES, L.L.C. | $3,095,000 | $2,870,000 | -7.3% | 0.3% |
| SHELTER HOME MORTGAGE, LLC | $4,395,000 | $2,785,000 | -36.6% | 0.3% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $5,550,000 | $2,685,000 | -51.6% | 0.3% |
| JPMorgan Chase Bank | $3,920,000 | $2,650,000 | -32.4% | 0.3% |
| CRESCENT MORTGAGE COMPANY | $2,310,000 | $2,600,000 | 12.6% | 0.3% |
| ANGEL OAK HOME LOANS LLC | $7,805,000 | $2,460,000 | -68.5% | 0.2% |
| GEORGIA'S OWN | $1,060,000 | $2,385,000 | 125.0% | 0.2% |
| GUARANTEED RATE AFFINITY, LLC | $3,070,000 | $2,325,000 | -24.3% | 0.2% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $5,785,000 | $2,315,000 | -60.0% | 0.2% |
| Renasant Bank | $4,260,000 | $2,295,000 | -46.1% | 0.2% |
| Mortgage Assurance Inc. | $7,300,000 | $2,265,000 | -69.0% | 0.2% |
| NFM, INC. | $2,240,000 | n/a | 0.2% | |
| DEEPHAVEN MORTGAGE LLC | $2,170,000 | n/a | 0.2% | |
| THE MORTGAGE FIRM, INC. | $3,130,000 | $2,160,000 | -31.0% | 0.2% |
| First Federal Bank | $6,595,000 | $2,155,000 | -67.3% | 0.2% |
| STOCKTON MORTGAGE CORPORATION | $6,485,000 | $2,055,000 | -68.3% | 0.2% |
| 21ST MORTGAGE CORPORATION | $1,605,000 | $1,980,000 | 23.4% | 0.2% |
| PENTAGON FEDERAL CREDIT UNION | $605,000 | $1,940,000 | 220.7% | 0.2% |
| GEORGIA UNITED | $2,750,000 | $1,900,000 | -30.9% | 0.2% |
| Discover Bank | $300,000 | $1,870,000 | 523.3% | 0.2% |
| TJC Mortgage, Inc. | $1,555,000 | $1,860,000 | 19.6% | 0.2% |
| FINANCE OF AMERICA MORTGAGE LLC | $1,065,000 | $1,855,000 | 74.2% | 0.2% |
| CHURCHILL MORTGAGE CORPORATION | $850,000 | $1,850,000 | 117.6% | 0.2% |
| NEW DAY FINANCIAL, LLC | $1,345,000 | $1,840,000 | 36.8% | 0.2% |
| Nations Lending Corporation | $2,250,000 | $1,835,000 | -18.4% | 0.2% |
| Fifth Third Bank | $895,000 | $1,810,000 | 102.2% | 0.2% |
| FBC MORTGAGE, LLC | $1,175,000 | $1,800,000 | 53.2% | 0.2% |
| DELTA COMMUNITY CREDIT UNION | $2,985,000 | $1,705,000 | -42.9% | 0.2% |
| Paramount Residential Mortgage Group, Inc. | $1,495,000 | $1,675,000 | 12.0% | 0.2% |
| The Piedmont Bank | $3,010,000 | $1,625,000 | -46.0% | 0.2% |
| MORTGAGE INVESTORS GROUP, INC. | $745,000 | $1,600,000 | 114.8% | 0.2% |
| SOUTHPOINT FINANCIAL SERVICES, INC. | $2,755,000 | $1,525,000 | -44.6% | 0.2% |
| HOMESPIRE MORTGAGE CORPORATION | $2,980,000 | $1,425,000 | -52.2% | 0.1% |
| CMG MORTGAGE, INC. | $2,500,000 | $1,420,000 | -43.2% | 0.1% |
| CIVIC FINANCIAL SERVICES, LLC | $1,415,000 | n/a | 0.1% | |
| The Federal Savings Bank | $1,815,000 | $1,390,000 | -23.4% | 0.1% |
| DAS Acquisition Company, LLC | $3,095,000 | $1,375,000 | -55.6% | 0.1% |
| GENEVA FINANCIAL, LLC | $930,000 | $1,375,000 | 47.8% | 0.1% |
| SUCCESS MORTGAGE PARTNERS, INC. | $3,580,000 | $1,375,000 | -61.6% | 0.1% |
| The Huntington National Bank | $1,330,000 | n/a | 0.1% | |
| Amerifirst Financial, Inc. | $390,000 | $1,285,000 | 229.5% | 0.1% |
| ZILLOW HOME LOANS, LLC | $905,000 | $1,285,000 | 42.0% | 0.1% |
| GMFS LLC | $1,320,000 | $1,235,000 | -6.4% | 0.1% |
| First Guaranty Mortgage Corporation | $2,400,000 | $1,190,000 | -50.4% | 0.1% |
| Colony Bank | $685,000 | $1,185,000 | 73.0% | 0.1% |
| Third Federal Savings and Loan Association of Cleveland | $595,000 | $1,185,000 | 99.2% | 0.1% |
| HOMEXPRESS MORTGAGE CORP. | $405,000 | $1,165,000 | 187.7% | 0.1% |
| PEACH STATE FEDERAL CREDIT UNION | $2,480,000 | $1,130,000 | -54.4% | 0.1% |
| KELLER MORTGAGE, LLC | $5,385,000 | $1,120,000 | -79.2% | 0.1% |
| NMSI, INC. | $1,355,000 | $1,115,000 | -17.7% | 0.1% |
| North American Savings Bank, F.S.B. | $445,000 | $1,115,000 | 150.6% | 0.1% |
| BNC National Bank | $740,000 | $1,110,000 | 50.0% | 0.1% |
| Associated Credit Union | $2,350,000 | $1,090,000 | -53.6% | 0.1% |
| Century Mortgage Company DBA Century Lending Company | $435,000 | $1,070,000 | 146.0% | 0.1% |
| Figure Lending LLC | $680,000 | $1,065,000 | 56.6% | 0.1% |
| SPRING EQ, LLC | $660,000 | $1,065,000 | 61.4% | 0.1% |
| PLAZA HOME MORTGAGE, INC. | $1,045,000 | n/a | 0.1% | |
| ROBINS FINANCIAL | $1,160,000 | $1,005,000 | -13.4% | 0.1% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $335,000 | $1,000,000 | 198.5% | 0.1% |
| Gateway First Bank | $195,000 | $990,000 | 407.7% | 0.1% |
| TOP FLITE FINANCIAL, INC. | $145,000 | $980,000 | 575.9% | 0.1% |
| NBKC BANK | $1,190,000 | $955,000 | -19.7% | 0.1% |
| SUMMIT FUNDING, INC. | $940,000 | n/a | 0.1% | |
| DATA MORTGAGE, INC. | $935,000 | n/a | 0.1% | |
| Goldwater Bank, N.A. | $75,000 | $925,000 | 1,133.3% | 0.1% |
| USAA Federal Savings Bank | $5,455,000 | $925,000 | -83.0% | 0.1% |
| Ally Bank | $2,970,000 | $920,000 | -69.0% | 0.1% |
| AmeriHome Mortgage Company, LLC | $4,220,000 | $920,000 | -78.2% | 0.1% |
| Princeton Mortgage Corporation | $910,000 | n/a | 0.1% | |
| VILLAGE CAPITAL MORTGAGE | $3,600,000 | $885,000 | -75.4% | 0.1% |
| First Mortgage Solutions, LLC | $1,065,000 | $870,000 | -18.3% | 0.1% |
| ISERVE RESIDENTIAL LENDING, LLC | $1,775,000 | $865,000 | -51.3% | 0.1% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $860,000 | n/a | 0.1% | |
| Equity Prime Mortgage LLC | $2,150,000 | $835,000 | -61.2% | 0.1% |
| Lakeview Community Capital, LLC | $460,000 | $830,000 | 80.4% | 0.1% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $805,000 | n/a | 0.1% | |
| FirstBank | $1,070,000 | $800,000 | -25.2% | 0.1% |
| UNITED PREMIER FUNDING, LLC | $1,195,000 | $795,000 | -33.5% | 0.1% |
| NEXERA HOLDING LLC | $775,000 | n/a | 0.1% | |
| Wyndham Capital Mortgage, Inc. | $2,440,000 | $770,000 | -68.4% | 0.1% |
| OAKTREE FUNDING CORP. | $515,000 | $760,000 | 47.6% | 0.1% |
| Baxter Credit Union | $45,000 | $730,000 | 1,522.2% | 0.1% |
| MEMBER FIRST MORTGAGE, LLC | $440,000 | $730,000 | 65.9% | 0.1% |
| Citibank | $225,000 | $685,000 | 204.4% | 0.1% |
| BancorpSouth Bank | $670,000 | n/a | 0.1% | |
| MID AMERICA MORTGAGE, INC. | $645,000 | $670,000 | 3.9% | 0.1% |
| CONTOUR MORTGAGE CORPORATION | $185,000 | $660,000 | 256.8% | 0.1% |
| BAY EQUITY LLC | $885,000 | $650,000 | -26.6% | 0.1% |
| OVM FINANCIAL, INC. | $645,000 | n/a | 0.1% | |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $585,000 | $640,000 | 9.4% | 0.1% |
| ADVANCIAL | $635,000 | n/a | 0.1% | |
| PHH Mortgage Corporation | $995,000 | $630,000 | -36.7% | 0.1% |
| GSF Mortgage Corporation | $605,000 | n/a | 0.1% | |
| MERCK EMPLOYEES FEDERAL CREDIT UNION | $605,000 | n/a | 0.1% | |
| PANORAMA MORTGAGE GROUP, LLC | $795,000 | $595,000 | -25.2% | 0.1% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | $590,000 | n/a | 0.1% | |
| UNION HOME MORTGAGE CORP. | $1,375,000 | $560,000 | -59.3% | 0.1% |
| ROUNDPOINT MORTGAGE SERVICING CORPORATION | $550,000 | n/a | 0.1% | |
| East West Bank | $165,000 | $545,000 | 230.3% | 0.1% |
| POWERCO | $385,000 | $545,000 | 41.6% | 0.1% |
| SECURITYNATIONAL MORTGAGE COMPANY | $1,115,000 | $540,000 | -51.6% | 0.1% |
| T2 FINANCIAL LLC | $535,000 | n/a | 0.1% | |
| FIRST COMMUNITY MORTGAGE, INC. | $3,610,000 | $520,000 | -85.6% | 0.1% |
| AMERICAN FINANCIAL RESOURCES, INC. | $190,000 | $490,000 | 157.9% | 0.0% |
| SOUTHWEST STAGE FUNDING, LLC | $490,000 | n/a | 0.0% | |
| AMERICAN FINANCING CORPORATION | $1,030,000 | $475,000 | -53.9% | 0.0% |
| STATE EMPLOYEES' | $205,000 | $470,000 | 129.3% | 0.0% |
| Amalgamated Bank | $455,000 | n/a | 0.0% | |
| NATIONS RELIABLE LENDING, LLC | $440,000 | n/a | 0.0% | |
| SWBC MORTGAGE CORPORATION | $665,000 | $430,000 | -35.3% | 0.0% |
| Armed Forces Bank | $425,000 | n/a | 0.0% | |
| Citizens Bank | $2,160,000 | $425,000 | -80.3% | 0.0% |
| EMBRACE HOME LOANS, INC. | $255,000 | $425,000 | 66.7% | 0.0% |
| The Commercial Bank | $895,000 | $420,000 | -53.1% | 0.0% |
| LENDSURE MORTGAGE CORP. | $325,000 | $415,000 | 27.7% | 0.0% |
| RESIDENTIAL HOME FUNDING CORP. | $415,000 | n/a | 0.0% | |
| Arbor Bank | $405,000 | n/a | 0.0% | |
| JMJ FINANCIAL GROUP | $405,000 | n/a | 0.0% | |
| Trinity Oaks Mortgage, LLC | $405,000 | n/a | 0.0% | |
| LENDINGHOME FUNDING CORPORATION | $300,000 | $400,000 | 33.3% | 0.0% |
| DIRECT LENDERS, LLC | $365,000 | $395,000 | 8.2% | 0.0% |
| RESIDENTIAL BANCORP. | $395,000 | n/a | 0.0% | |
| ServisFirst Bank | $395,000 | n/a | 0.0% | |
| COMPASS MORTGAGE, INC. | $385,000 | n/a | 0.0% | |
| Credence Funding Corporation | $385,000 | n/a | 0.0% | |
| Morgan Stanley Private Bank | $515,000 | $385,000 | -25.2% | 0.0% |
| Thomasville National Bank | $385,000 | n/a | 0.0% | |
| AMERICAN ADVISORS GROUP | $675,000 | $375,000 | -44.4% | 0.0% |
| Bethpage Federal Credit Union | $55,000 | $375,000 | 581.8% | 0.0% |
| First Heritage Mortgage, LLC | $285,000 | $375,000 | 31.6% | 0.0% |
| Florida Capital Bank | $375,000 | n/a | 0.0% | |
| Loan Simple, Inc. | $375,000 | n/a | 0.0% | |
| Plains Commerce Bank | $375,000 | n/a | 0.0% | |
| FINANCE OF AMERICA REVERSE LLC | $310,000 | $370,000 | 19.4% | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | $895,000 | $370,000 | -58.7% | 0.0% |
| AMERICAN HOME MORTGAGE, INC. | $275,000 | $365,000 | 32.7% | 0.0% |
| GUILD MORTGAGE COMPANY | $615,000 | $365,000 | -40.7% | 0.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | $1,315,000 | $365,000 | -72.2% | 0.0% |
| PrimeSouth Bank | $365,000 | n/a | 0.0% | |
| RUOFF MORTGAGE COMPANY, INC. | $545,000 | $365,000 | -33.0% | 0.0% |
| Capital City Bank | $360,000 | n/a | 0.0% | |
| Colten Mortgage, LLC | $125,000 | $355,000 | 184.0% | 0.0% |
| First-Citizens Bank & Trust Company | $730,000 | $355,000 | -51.4% | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | $1,070,000 | $355,000 | -66.8% | 0.0% |
| Southern First Bank | $355,000 | n/a | 0.0% | |
| PUBLIX EMPLOYEES | $345,000 | n/a | 0.0% | |
| Stifel Bank and Trust | $345,000 | n/a | 0.0% | |
| TEMPLE VIEW CAPITAL FUNDING, LP | $335,000 | n/a | 0.0% | |
| GEO-CORP, INC. | $325,000 | n/a | 0.0% | |
| IVY MORTGAGE, INC. | $290,000 | $325,000 | 12.1% | 0.0% |
| Alcova Mortgage LLC | $1,520,000 | $315,000 | -79.3% | 0.0% |
| Blue Ridge Bank | $315,000 | n/a | 0.0% | |
| MLD MORTGAGE INC. | $315,000 | n/a | 0.0% | |
| NORTHWEST BANK OF ROCKFORD | $315,000 | n/a | 0.0% | |
| Paramount Bank | $315,000 | n/a | 0.0% | |
| HOMESTEAD FUNDING CORP. | $305,000 | n/a | 0.0% | |
| MK LENDING CORP. | $490,000 | $305,000 | -37.8% | 0.0% |
| RBC Bank, (Georgia) | $305,000 | n/a | 0.0% | |
| Atlantic Coast Mortgage, LLC | $165,000 | $295,000 | 78.8% | 0.0% |
| NexBank | $1,215,000 | $295,000 | -75.7% | 0.0% |
| WINGS FINANCIAL | $260,000 | $295,000 | 13.5% | 0.0% |
| First Home Bank | $105,000 | $275,000 | 161.9% | 0.0% |
| First National Bank of America | $245,000 | $275,000 | 12.2% | 0.0% |
| Exchange Bank | $265,000 | n/a | 0.0% | |
| PROPER RATE, LLC | $265,000 | n/a | 0.0% | |
| ROYAL UNITED MORTGAGE LLC | $265,000 | n/a | 0.0% | |
| Texana Bank | $255,000 | n/a | 0.0% | |
| ARC HOME LLC | $245,000 | n/a | 0.0% | |
| First Savings Bank | $670,000 | $245,000 | -63.4% | 0.0% |
| VAN DYK MORTGAGE CORPORATION | $225,000 | $245,000 | 8.9% | 0.0% |
| DIGITAL Federal Credit Union | $260,000 | $235,000 | -9.6% | 0.0% |
| REVERSE MORTGAGE FUNDING LLC | $320,000 | $235,000 | -26.6% | 0.0% |
| GUARANTY HOME MORTGAGE CORPORATION | $2,620,000 | $225,000 | -91.4% | 0.0% |
| LGE COMMUNITY | $305,000 | $225,000 | -26.2% | 0.0% |
| Pinnacle Bank | $4,355,000 | $220,000 | -94.9% | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $355,000 | $215,000 | -39.4% | 0.0% |
| Bank OZK | $695,000 | $215,000 | -69.1% | 0.0% |
| HSBC BANK USA, NATIONAL ASSOCIATION | $215,000 | n/a | 0.0% | |
| First Horizon Bank | $860,000 | $210,000 | -75.6% | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | $285,000 | $205,000 | -28.1% | 0.0% |
| ASCEND FEDERAL CREDIT UNION | $205,000 | n/a | 0.0% | |
| LENDINGONE, LLC | $205,000 | n/a | 0.0% | |
| POLARIS HOME FUNDING CORP. | $205,000 | n/a | 0.0% | |
| LONGBRIDGE FINANCIAL, LLC | $195,000 | n/a | 0.0% | |
| MCLEAN MORTGAGE CORPORATION | $195,000 | n/a | 0.0% | |
| M&T Bank | $865,000 | $195,000 | -77.5% | 0.0% |
| ON Q FINANCIAL, INC. | $855,000 | $195,000 | -77.2% | 0.0% |
| CREDIT UNION FINANCIAL SERVICES, LLC | $2,110,000 | $185,000 | -91.2% | 0.0% |
| Vibrant Credit Union | $185,000 | n/a | 0.0% | |
| Assurance Financial Group, L.L.C. | $420,000 | $175,000 | -58.3% | 0.0% |
| Coastal Carolina National Bank | $175,000 | n/a | 0.0% | |
| COMMUNITY MORTGAGE CORPORATION | $630,000 | $175,000 | -72.2% | 0.0% |
| River Bank & Trust | $175,000 | n/a | 0.0% | |
| ACADEMY MORTGAGE CORPORATION | $545,000 | $165,000 | -69.7% | 0.0% |
| General Mortgage Capital Corporation | $165,000 | n/a | 0.0% | |
| THRIVE MORTGAGE, LLC | $165,000 | n/a | 0.0% | |
| Advisors Mortgage Group, L.L.C. | $155,000 | n/a | 0.0% | |
| Sunflower Bank | $325,000 | $155,000 | -52.3% | 0.0% |
| CLEARPATH LENDING | $850,000 | $145,000 | -82.9% | 0.0% |
| TOWER | $145,000 | n/a | 0.0% | |
| Centra Credit Union | $135,000 | n/a | 0.0% | |
| Mid-Continent Funding, Inc. | $155,000 | $135,000 | -12.9% | 0.0% |
| ALLIANT CREDIT UNION | $105,000 | $130,000 | 23.8% | 0.0% |
| CDC Federal Credit Union | $195,000 | $130,000 | -33.3% | 0.0% |
| PROPONENT Federal Credit Union | $105,000 | n/a | 0.0% | |
| ATLANTA POSTAL | $950,000 | $100,000 | -89.5% | 0.0% |
| OPEN MORTGAGE, LLC | $95,000 | n/a | 0.0% | |
| MTC Federal Credit Union | $85,000 | n/a | 0.0% | |
| HALLCO COMMUNITY CREDIT UNION | $545,000 | $65,000 | -88.1% | 0.0% |
| TEACHERS | $25,000 | n/a | 0.0% | |
| First American Bank | $15,000 | n/a | 0.0% |
Jefferson's top lender by overall market share is QUICKEN LOANS, LLC, with 6.5% market share. In second place, with 5.4%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $54,065,000 in loans. In third place, with 4.7%, is DHI MORTGAGE COMPANY, LTD., having originated $46,885,000 in loans. In fourth place, with 4.1%, is HOMESTAR FINANCIAL CORPORATION, having originated $41,115,000 in loans. In fifth place, with 4.0%, is Ameris Bank, having originated $39,540,000 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 (7.2%) | 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 | $282,048 (3.0%) | $328,678 (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%) | $400,336 (20.7%) | 0.00 | 170 |
| 2021-03-01 | $317,484 (11.9%) | $415,486 (25.8%) | 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 | $379,900 (24.5%) | $461,618 (30.0%) | 0.00 | 204 |
| 2021-09-01 | $404,878 (29.5%) | $477,567 (32.3%) | 0.00 | 235 |
| 2021-10-01 | $409,000 (30.1%) | $479,627 (33.9%) | 0.00 | 244 |
| 2021-11-01 | $422,813 (36.2%) | $480,860 (30.5%) | 0.00 | 236 |
| 2021-12-01 | $444,990 (48.1%) | $495,454 (32.2%) | 0.00 | 225 |
| 2022-01-01 | $471,995 (57.4%) | $528,109 (40.3%) | 0.00 | 163 |
| 2022-02-01 | $458,339 (46.0%) | $532,509 (33.0%) | 0.00 | 152 |
| 2022-03-01 | $468,768 (47.7%) | $544,274 (31.0%) | 0.00 | 151 |
| 2022-04-01 | $477,187 (43.5%) | $560,071 (32.7%) | 0.00 | 165 |
| 2022-05-01 | $492,018 (40.6%) | $569,463 (30.9%) | 0.00 | 216 |
| 2022-06-01 | $479,990 (28.9%) | $562,786 (24.5%) | 0.00 | 265 |
| 2022-07-01 | $475,000 (25.0%) | $557,380 (18.3%) | 0.00 | 354 |
| 2022-08-01 | $474,900 (25.0%) | $553,016 (19.8%) | 0.00 | 393 |
| 2022-09-01 | $474,900 (17.3%) | $533,360 (11.7%) | 0.00 | 438 |
| 2022-10-01 | $450,000 (10.0%) | $515,715 (7.5%) | 0.00 | 477 |
| 2022-11-01 | $443,938 (5.0%) | $522,366 (8.6%) | 0.00 | 463 |
| 2022-12-01 | $426,450 (-4.2%) | $524,456 (5.9%) | 0.00 | 442 |
| 2023-01-01 | $431,514 (-8.6%) | $526,219 (-0.4%) | 0.00 | 398 |
| 2023-02-01 | $440,391 (-3.9%) | $524,764 (-1.5%) | 0.00 | 372 |
| 2023-03-01 | $445,950 (-4.9%) | $530,972 (-2.4%) | 0.00 | 356 |
| 2023-04-01 | $444,900 (-6.8%) | $534,133 (-4.6%) | 0.00 | 358 |
| 2023-05-01 | $448,993 (-8.7%) | $536,334 (-5.8%) | 0.00 | 353 |
| 2023-06-01 | $449,950 (-6.3%) | $510,438 (-9.3%) | 0.00 | 358 |
| 2023-07-01 | $449,973 (-5.3%) | $514,114 (-7.8%) | 0.00 | 356 |
| 2023-08-01 | $447,627 (-5.7%) | $508,992 (-8.0%) | 0.00 | 364 |
| 2023-09-01 | $448,710 (-5.5%) | $496,452 (-6.9%) | 0.00 | 374 |
| 2023-10-01 | $442,122 (-1.8%) | $504,232 (-2.2%) | 0.00 | 405 |
| 2023-11-01 | $446,302 (0.5%) | $515,205 (-1.4%) | 0.00 | 416 |
Jefferson's median listing price for 2023-11-01 was $446,302, a difference of
$2,364
(0.5%) versus the prior year and
$4,180 versus the prior month.
Jefferson's median listing price comes in at 0% of the national average.
Jefferson's average listing price for 2023-11-01 was $515,205, a difference of $-7,161 (-1.4%) versus the prior year and $10,973 versus the prior month.
For the 2023-11-01 period, Jefferson had 416 MLS listings, a difference of 11 listings (3%) versus the prior month and -47 listings (-10%) versus the prior year.
Jefferson's median listing price comes in at 0% of the national average.
Jefferson's average listing price for 2023-11-01 was $515,205, a difference of $-7,161 (-1.4%) versus the prior year and $10,973 versus the prior month.
For the 2023-11-01 period, Jefferson had 416 MLS listings, a difference of 11 listings (3%) versus the prior month and -47 listings (-10%) 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 | 2,586 sqft |
| 2018-02-01 | 0 days | 2,576 sqft |
| 2018-03-01 | 0 days | 2,549 sqft |
| 2018-04-01 | 0 days | 2,579 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 | 2,558 sqft |
| 2018-09-01 | 0 days | 2,587 sqft |
| 2018-10-01 | 0 days | 2,565 sqft |
| 2018-11-01 | 0 days | 2,550 sqft |
| 2018-12-01 | 0 days | 2,525 sqft |
| 2019-01-01 | 0 days | 2,580 sqft |
| 2019-02-01 | 0 days | 2,591 sqft |
| 2019-03-01 | 0 days | 2,587 sqft |
| 2019-04-01 | 0 days | 2,574 sqft |
| 2019-05-01 | 0 days | 2,587 sqft |
| 2019-06-01 | 0 days | 2,575 sqft |
| 2019-07-01 | 0 days | 2,572 sqft |
| 2019-08-01 | 0 days | 2,563 sqft |
| 2019-09-01 | 0 days | 2,537 sqft |
| 2019-10-01 | 0 days | 2,513 sqft |
| 2019-11-01 | 0 days | 2,511 sqft |
| 2019-12-01 | 0 days | 2,502 sqft |
| 2020-01-01 | 0 days | 2,511 sqft |
| 2020-02-01 | 0 days | 2,511 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 | 2,518 sqft |
| 2020-08-01 | 0 days | 2,550 sqft |
| 2020-09-01 | 0 days | 2,537 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 | 2,373 sqft |
| 2021-03-01 | 0 days | 2,455 sqft |
| 2021-04-01 | 0 days | 2,376 sqft |
| 2021-05-01 | 0 days | 2,371 sqft |
| 2021-06-01 | 0 days | 2,383 sqft |
| 2021-07-01 | 0 days | 2,337 sqft |
| 2021-08-01 | 0 days | 2,493 sqft |
| 2021-09-01 | 0 days | 2,559 sqft |
| 2021-10-01 | 0 days | 2,529 sqft |
| 2021-11-01 | 0 days | 2,631 sqft |
| 2021-12-01 | 0 days | 2,706 sqft |
| 2022-01-01 | 0 days | 2,702 sqft |
| 2022-02-01 | 0 days | 2,582 sqft |
| 2022-03-01 | 0 days | 2,617 sqft |
| 2022-04-01 | 0 days | 2,508 sqft |
| 2022-05-01 | 0 days | 2,504 sqft |
| 2022-06-01 | 0 days | 2,572 sqft |
| 2022-07-01 | 0 days | 2,508 sqft |
| 2022-08-01 | 0 days | 2,487 sqft |
| 2022-09-01 | 0 days | 2,490 sqft |
| 2022-10-01 | 0 days | 2,444 sqft |
| 2022-11-01 | 0 days | 2,473 sqft |
| 2022-12-01 | 0 days | 2,432 sqft |
| 2023-01-01 | 0 days | 2,418 sqft |
| 2023-02-01 | 0 days | 2,467 sqft |
| 2023-03-01 | 0 days | 2,461 sqft |
| 2023-04-01 | 0 days | 2,463 sqft |
| 2023-05-01 | 0 days | 2,469 sqft |
| 2023-06-01 | 0 days | 2,482 sqft |
| 2023-07-01 | 0 days | 2,500 sqft |
| 2023-08-01 | 0 days | 2,498 sqft |
| 2023-09-01 | 0 days | 2,445 sqft |
| 2023-10-01 | 0 days | 2,444 sqft |
| 2023-11-01 | 0 days | 2,443 sqft |
Jefferson's median listing age (time on market) for 2023-11-01 was 0 days.
Jefferson's median square footage for active listings during the 2023-11-01 period was 2,443 sqft. One year prior, the average listing was 2,473 sqft.
Jefferson's median square footage for active listings during the 2023-11-01 period was 2,443 sqft. One year prior, the average listing was 2,473 sqft.
Jefferson, GA Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 2,063 | $704,815,000 | $341,646 |
| Cash Out Refi | 701 | $178,865,000 | $255,157 |
| Refi | 269 | $68,775,000 | $255,669 |
| Other | 225 | $24,375,000 | $108,333 |
| Home Improvement | 206 | $19,140,000 | $92,913 |
Jefferson's most frequently cited loan purpose was Home Purchase, with 2,063 originations. The 2nd most popular reason was Cash Out Refi, with 701 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 4-5% | 911 | $278,965,000 | $306,218 |
| 5-6% | 856 | $257,880,000 | $301,262 |
| 3-4% | 821 | $235,805,000 | $287,217 |
| 6-7% | 370 | $102,030,000 | $275,757 |
| 2.5-3% | 185 | $54,385,000 | $293,973 |
| 7-8% | 125 | $30,025,000 | $240,200 |
| Over 8% | 78 | $10,130,000 | $129,872 |
| <2.5% | 56 | $11,460,000 | $204,643 |
During 2022, Jefferson's most frequently originated rate bucket was 4-5%, with 911 originations.
Loan Sizing (Jefferson, GA MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 1,871 | $554,135,000 | $296,170 |
| $100k-200k | 593 | $89,185,000 | $150,396 |
| $400k-600k | 511 | $240,225,000 | $470,108 |
| $100,000 or less | 370 | $20,860,000 | $56,378 |
| $600k-1000k | 108 | $73,920,000 | $684,444 |
| $Over $1MM | 11 | $17,645,000 | $1,604,091 |
Jefferson's loan sizing saw the bucket of loans from $200k-400k with 1,871 originations, totaling $554,135,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 1,329 | $479,415,000 | $360,734 |
| 60-80% | 1,067 | $339,385,000 | $318,074 |
| 40-60% | 370 | $85,860,000 | $232,054 |
| 20-40% | 293 | $39,495,000 | $134,795 |
| Under 20% | 289 | $16,455,000 | $56,938 |
| Over 100% | 38 | $15,780,000 | $415,263 |
Jefferson's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 1,329 originations, totaling $479,415,000 in origination value.