Jefferson Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Jefferson averaged
6.71%
for the week of 2024-11-07, compared to the national average of
6.79% for the same period.
The average rate for the prior week (2024-10-31) was
6.44% and
one month ago for the week of 2024-10-03, the
average rate was 5.94%.
Jefferson's average rate one year ago was 7.78%.
For refis of the same type during the week of 2024-11-07, the average rate
was 6.79%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2024-11-07 | 6.79% |
| Jefferson 30 Year Fixed Rate | 2024-11-07 | 6.71% |
| Jefferson 30 Year Fixed Rate Refi | 2024-11-07 | 6.79% |
| Jefferson 15 Year Fixed Rate | 2024-11-07 | 6.1% |
| Jefferson 15 Year Fixed Rate Refi | 2024-11-07 | 6.4% |
| Jefferson 30 Year FHA | 2024-11-07 | 6.05% |
| Jefferson 30 Year FHA Refi | 2024-11-07 | 6.63% |
| Jefferson 30 Year USDA | 2024-11-07 | 6.28% |
| Jefferson 30 Year USDA Refi | 2024-11-07 | 6.48% |
| Jefferson 30 Year VA | 2024-11-07 | 6.01% |
| Jefferson 30 Year VA Refi | 2024-11-07 | 6.54% |
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 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, 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.