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
6.44%
for the week of 2025-04-03, compared to the national average of
6.64% for the same period.
The average rate for the prior week (2025-03-27) was
6.75% and
one month ago for the week of 2025-02-27, the
average rate was 6.76%.
Jefferson's average rate one year ago was 6.69%.
For refis of the same type during the week of 2025-04-03, the average rate
was 6.99%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-04-03 | 6.64% |
| Jefferson 30 Year Fixed Rate | 2025-04-03 | 6.44% |
| Jefferson 30 Year Fixed Rate Refi | 2025-04-03 | 6.99% |
| Jefferson 15 Year Fixed Rate | 2025-04-03 | 6.02% |
| Jefferson 15 Year Fixed Rate Refi | 2025-04-03 | 6.02% |
| Jefferson 30 Year FHA | 2025-04-03 | 6.01% |
| Jefferson 30 Year FHA Refi | 2025-04-03 | 6.06% |
| Jefferson 30 Year USDA | 2025-04-03 | 6.32% |
| Jefferson 30 Year USDA Refi | 2025-04-03 | 6.52% |
| Jefferson 30 Year VA | 2025-04-03 | 6.03% |
| Jefferson 30 Year VA Refi | 2025-04-03 | 6.06% |
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 165 lenders originated 3,129
loans during 2024. The total origination value was $1,062,035,000, with an average loan value of
$339,417.
Jefferson's average closing costs are $6,578.
The top Jefferson lender as defined by loan originations is QUICKEN LOANS, LLC, with
86 loans originated. Their average total fees are
$7,511, which is $1,047
lower than the next largest lender,
UNITED WHOLESALE MORTGAGE, LLC.
The lowest fee Jefferson lenders (with over 10 loans originated) are
VICTORY MORTGAGE, L.L.C. ($2,482), DHI MORTGAGE COMPANY, LTD. ($3,088), NVR Mortgage Finance, Inc. ($4,897), EAGLE HOME MORTGAGE, LLC ($4,952) and Truist ($5,000).
The lowest rate Jefferson lenders (with over 10 loans originated) are
Associated Credit Union (5.71%), EAGLE HOME MORTGAGE, LLC (5.82%), VANDERBILT MORTGAGE AND FINANCE, INC. (5.99%), DHI MORTGAGE COMPANY, LTD. (6.23%) and PROVIDENT FUNDING ASSOCIATES, L.P. (6.27%).
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 | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| CBRE MULTIFAMILY CAPITAL, INC. | $67,670,000 | n/a | 6.4% | |
| UNITED WHOLESALE MORTGAGE, LLC | $59,235,000 | $65,515,000 | 10.6% | 6.2% |
| VICTORY MORTGAGE, L.L.C. | $40,735,000 | $53,745,000 | 31.9% | 5.1% |
| QUICKEN LOANS, LLC | $49,335,000 | $51,885,000 | 5.2% | 4.9% |
| DHI MORTGAGE COMPANY, LTD. | $48,260,000 | $44,830,000 | -7.1% | 4.2% |
| Ameris Bank | $26,260,000 | $36,580,000 | 39.3% | 3.4% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $23,040,000 | $35,190,000 | 52.7% | 3.3% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $38,775,000 | $31,785,000 | -18.0% | 3.0% |
| BROKER SOLUTIONS, INC. | $42,750,000 | $31,120,000 | -27.2% | 2.9% |
| LOANDEPOT.COM, LLC | $7,520,000 | $22,285,000 | 196.3% | 2.1% |
| EAGLE HOME MORTGAGE, LLC | $10,495,000 | $20,860,000 | 98.8% | 2.0% |
| Regions Bank | $15,250,000 | $18,655,000 | 22.3% | 1.8% |
| PENNYMAC LOAN SERVICES, LLC | $10,295,000 | $18,545,000 | 80.1% | 1.7% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | $22,245,000 | $17,855,000 | -19.7% | 1.7% |
| NVR Mortgage Finance, Inc. | $12,220,000 | $14,300,000 | 17.0% | 1.3% |
| Pinnacle Bank | $430,000 | $13,070,000 | 2,939.5% | 1.2% |
| GUILD MORTGAGE COMPANY | $12,395,000 | n/a | 1.2% | |
| BANKSOUTH MORTGAGE COMPANY, LLC | $10,540,000 | $12,000,000 | 13.9% | 1.1% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $2,100,000 | $11,955,000 | 469.3% | 1.1% |
| CROSSCOUNTRY MORTGAGE, LLC | $9,855,000 | $11,685,000 | 18.6% | 1.1% |
| EVERETT FINANCIAL, INC. | $22,225,000 | $11,515,000 | -48.2% | 1.1% |
| Mortgage Research Center, LLC | $7,755,000 | $11,285,000 | 45.5% | 1.1% |
| Bank of America | $5,185,000 | $11,030,000 | 112.7% | 1.0% |
| FREEDOM MORTGAGE CORPORATION | $7,195,000 | $10,700,000 | 48.7% | 1.0% |
| SOUTHEAST MORTGAGE OF GEORGIA, INC. | $6,970,000 | $10,430,000 | 49.6% | 1.0% |
| ACOPIA, LLC | $8,065,000 | $10,080,000 | 25.0% | 0.9% |
| MOVEMENT MORTGAGE, LLC | $17,415,000 | $8,855,000 | -49.2% | 0.8% |
| GUARANTEED RATE, INC. | $12,990,000 | $8,600,000 | -33.8% | 0.8% |
| Truist | $48,775,000 | $8,035,000 | -83.5% | 0.8% |
| United Community Bank | $8,590,000 | $7,910,000 | -7.9% | 0.7% |
| NAVY FEDERAL CREDIT UNION | $10,390,000 | $7,830,000 | -24.6% | 0.7% |
| Magnolia Bank | $2,795,000 | $7,360,000 | 163.3% | 0.7% |
| First Option Mortgage, LLC | $11,290,000 | $6,710,000 | -40.6% | 0.6% |
| Mortgage Assurance Inc. | $2,220,000 | $5,810,000 | 161.7% | 0.5% |
| Capital City Home Loans, LLC | $5,905,000 | $5,695,000 | -3.6% | 0.5% |
| South State Bank | $5,110,000 | $5,440,000 | 6.5% | 0.5% |
| UNION HOME MORTGAGE CORP. | $1,600,000 | $5,265,000 | 229.1% | 0.5% |
| Mr. Cooper ( Nationstar Mortgage ) | $2,525,000 | $5,120,000 | 102.8% | 0.5% |
| Associated Credit Union | $1,810,000 | $4,915,000 | 171.5% | 0.5% |
| Synovus Bank | $7,210,000 | $4,870,000 | -32.5% | 0.5% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $1,930,000 | $4,855,000 | 151.6% | 0.5% |
| GUARANTEED RATE AFFINITY, LLC | $3,395,000 | $4,545,000 | 33.9% | 0.4% |
| DELTA COMMUNITY CREDIT UNION | $1,950,000 | $4,540,000 | 132.8% | 0.4% |
| Midland States Bank | $4,505,000 | n/a | 0.4% | |
| The Loan Store, Inc. | $610,000 | $4,475,000 | 633.6% | 0.4% |
| PLANET HOME LENDING, LLC | $65,000 | $4,415,000 | 6,692.3% | 0.4% |
| FIRST COLONY MORTGAGE CORPORATION | $315,000 | $4,400,000 | 1,296.8% | 0.4% |
| HOMESIDE FINANCIAL, LLC | $2,055,000 | $4,325,000 | 110.5% | 0.4% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | $4,200,000 | n/a | 0.4% | |
| NEWREZ LLC | $4,920,000 | $4,160,000 | -15.4% | 0.4% |
| Century Mortgage Company DBA Century Lending Company | $955,000 | $4,155,000 | 335.1% | 0.4% |
| Peoples Bank & Trust | $570,000 | $3,995,000 | 600.9% | 0.4% |
| AMERICAN FINANCIAL NETWORK, INC. | $5,705,000 | $3,850,000 | -32.5% | 0.4% |
| Renasant Bank | $3,155,000 | $3,810,000 | 20.8% | 0.4% |
| ZILLOW HOME LOANS, LLC | $1,875,000 | $3,660,000 | 95.2% | 0.3% |
| Wells Fargo Bank | $6,405,000 | $3,615,000 | -43.6% | 0.3% |
| Prosperity Home Mortgage, LLC | $7,945,000 | $3,585,000 | -54.9% | 0.3% |
| USAA Federal Savings Bank | $2,820,000 | $3,490,000 | 23.8% | 0.3% |
| Paramount Residential Mortgage Group, Inc. | $3,955,000 | $3,450,000 | -12.8% | 0.3% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | $6,745,000 | $3,425,000 | -49.2% | 0.3% |
| Plains Commerce Bank | $1,650,000 | $3,410,000 | 106.7% | 0.3% |
| NexBank | $435,000 | $3,150,000 | 624.1% | 0.3% |
| LAKEVIEW LOAN SERVICING, LLC | $1,010,000 | $3,135,000 | 210.4% | 0.3% |
| PEACH STATE FEDERAL CREDIT UNION | $2,600,000 | $3,135,000 | 20.6% | 0.3% |
| SFMC, LP | $2,985,000 | n/a | 0.3% | |
| First American Bank and Trust Company | $3,575,000 | $2,880,000 | -19.4% | 0.3% |
| GEORGIA UNITED | $2,845,000 | $2,785,000 | -2.1% | 0.3% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $820,000 | $2,780,000 | 239.0% | 0.3% |
| VILLAGE CAPITAL MORTGAGE | $1,845,000 | $2,755,000 | 49.3% | 0.3% |
| JPMorgan Chase Bank | $3,070,000 | $2,630,000 | -14.3% | 0.2% |
| Cornerstone First Mortgage, Inc | $840,000 | $2,525,000 | 200.6% | 0.2% |
| GMFS LLC | $920,000 | $2,510,000 | 172.8% | 0.2% |
| First Federal Bank | $1,185,000 | $2,480,000 | 109.3% | 0.2% |
| Presidential Bank, FSB | $2,380,000 | n/a | 0.2% | |
| STOCKTON MORTGAGE CORPORATION | $5,530,000 | $2,365,000 | -57.2% | 0.2% |
| CMG MORTGAGE, INC. | $705,000 | $2,315,000 | 228.4% | 0.2% |
| Figure Lending LLC | $1,405,000 | $2,270,000 | 61.6% | 0.2% |
| CANOPY MORTGAGE, LLC | $2,225,000 | n/a | 0.2% | |
| Discover Bank | $2,105,000 | $2,195,000 | 4.3% | 0.2% |
| GEORGIA'S OWN | $2,880,000 | $2,160,000 | -25.0% | 0.2% |
| Equity Prime Mortgage LLC | $1,540,000 | $2,110,000 | 37.0% | 0.2% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $1,375,000 | $2,000,000 | 45.5% | 0.2% |
| U.S. Bank | $1,415,000 | $1,985,000 | 40.3% | 0.2% |
| MILEND, INC. | $600,000 | $1,975,000 | 229.2% | 0.2% |
| FBC MORTGAGE, LLC | $875,000 | $1,965,000 | 124.6% | 0.2% |
| PNC Bank | $1,740,000 | $1,965,000 | 12.9% | 0.2% |
| Northpointe Bank | $655,000 | $1,960,000 | 199.2% | 0.2% |
| NATIONS DIRECT MORTGAGE, LLC | $290,000 | $1,805,000 | 522.4% | 0.2% |
| Flagstar Bank, FSB | $4,375,000 | $1,725,000 | -60.6% | 0.2% |
| US MORTGAGE CORPORATION | $3,710,000 | $1,705,000 | -54.0% | 0.2% |
| Bank OZK | $35,000 | $1,650,000 | 4,614.3% | 0.2% |
| NFM, INC. | $2,095,000 | $1,610,000 | -23.2% | 0.2% |
| The Piedmont Bank | $825,000 | $1,580,000 | 91.5% | 0.1% |
| SUMMIT FUNDING, INC. | $660,000 | $1,575,000 | 138.6% | 0.1% |
| AgFirst Farm Credit Bank | $705,000 | $1,505,000 | 113.5% | 0.1% |
| LENDINGHOME FUNDING CORPORATION | $1,045,000 | $1,475,000 | 41.1% | 0.1% |
| OCMBC, INC. | $830,000 | $1,475,000 | 77.7% | 0.1% |
| VAN DYK MORTGAGE CORPORATION | $1,475,000 | n/a | 0.1% | |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $2,055,000 | $1,460,000 | -29.0% | 0.1% |
| GUARANTY MORTGAGE SERVICES, L.L.C. | $2,300,000 | $1,385,000 | -39.8% | 0.1% |
| GEO-CORP, INC. | $1,380,000 | n/a | 0.1% | |
| GENEVA FINANCIAL, LLC | $3,175,000 | $1,370,000 | -56.9% | 0.1% |
| Peach State Bank & Trust | $1,370,000 | n/a | 0.1% | |
| EUSTIS AND AMERICAN MORTGAGE COMPANY | $615,000 | $1,340,000 | 117.9% | 0.1% |
| Morgan Stanley Private Bank | $1,175,000 | $1,330,000 | 13.2% | 0.1% |
| First Heritage Mortgage, LLC | $365,000 | $1,320,000 | 261.6% | 0.1% |
| AMWEST FUNDING CORP. | $4,670,000 | $1,315,000 | -71.8% | 0.1% |
| Oconee State Bank | $4,200,000 | $1,290,000 | -69.3% | 0.1% |
| Carrington Mortgage Services, LLC | $970,000 | $1,255,000 | 29.4% | 0.1% |
| Third Federal Savings and Loan Association of Cleveland | $925,000 | $1,255,000 | 35.7% | 0.1% |
| NBKC BANK | $1,640,000 | $1,230,000 | -25.0% | 0.1% |
| First National Bank of America | $805,000 | $1,175,000 | 46.0% | 0.1% |
| ROBINS FINANCIAL | $1,360,000 | $1,175,000 | -13.6% | 0.1% |
| CARDINAL FINANCIAL | $1,270,000 | $1,170,000 | -7.9% | 0.1% |
| RELIANCE FIRST CAPITAL, LLC | $880,000 | $1,170,000 | 33.0% | 0.1% |
| SUN WEST MORTGAGE COMPANY, INC. | $590,000 | $1,130,000 | 91.5% | 0.1% |
| AMERISAVE MORTGAGE CORPORATION | $2,785,000 | $1,125,000 | -59.6% | 0.1% |
| JMAC LENDING, INC. | $1,120,000 | n/a | 0.1% | |
| SUCCESS MORTGAGE PARTNERS, INC. | $1,115,000 | n/a | 0.1% | |
| PLAZA HOME MORTGAGE, INC. | $500,000 | $1,110,000 | 122.0% | 0.1% |
| Citizens Bank | $1,820,000 | $1,105,000 | -39.3% | 0.1% |
| SHELTER HOME MORTGAGE, LLC | $2,410,000 | $1,105,000 | -54.1% | 0.1% |
| TOWNE MORTGAGE COMPANY | $1,090,000 | n/a | 0.1% | |
| ISERVE RESIDENTIAL LENDING, LLC | $500,000 | $1,085,000 | 117.0% | 0.1% |
| Stifel Bank and Trust | $175,000 | $1,050,000 | 500.0% | 0.1% |
| SANCTUARY HOME MORTGAGE LLC | $235,000 | $1,040,000 | 342.6% | 0.1% |
| Metro City Bank | $2,185,000 | $1,030,000 | -52.9% | 0.1% |
| The Federal Savings Bank | $105,000 | $1,015,000 | 866.7% | 0.1% |
| COMMUNITY MORTGAGE CORPORATION | $435,000 | $1,005,000 | 131.0% | 0.1% |
| RADIUS FINANCIAL GROUP INC. | $285,000 | $1,005,000 | 252.6% | 0.1% |
| Nations Lending Corporation | $670,000 | $995,000 | 48.5% | 0.1% |
| General Mortgage Capital Corporation | $1,040,000 | $975,000 | -6.3% | 0.1% |
| NEW WAVE LENDING GROUP INC | $1,455,000 | $975,000 | -33.0% | 0.1% |
| FIRST COMMUNITY MORTGAGE, INC. | $2,130,000 | $965,000 | -54.7% | 0.1% |
| STATE EMPLOYEES' | $645,000 | $965,000 | 49.6% | 0.1% |
| LENOX FINANCIAL MORTGAGE CORPORATION | $950,000 | n/a | 0.1% | |
| CITY FIRST MORTGAGE SERVICES, L.L.C. | $940,000 | n/a | 0.1% | |
| PHH Mortgage Corporation | $175,000 | $930,000 | 431.4% | 0.1% |
| AmeriHome Mortgage Company, LLC | $1,225,000 | $885,000 | -27.8% | 0.1% |
| Lakeview Community Capital, LLC | $45,000 | $880,000 | 1,855.6% | 0.1% |
| LOANPAL, LLC | $330,000 | $865,000 | 162.1% | 0.1% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $425,000 | $865,000 | 103.5% | 0.1% |
| MORTGAGE INVESTORS GROUP, INC. | $2,015,000 | $850,000 | -57.8% | 0.1% |
| SECURITYNATIONAL MORTGAGE COMPANY | $845,000 | n/a | 0.1% | |
| CHURCHILL MORTGAGE CORPORATION | $630,000 | $840,000 | 33.3% | 0.1% |
| PANORAMA MORTGAGE GROUP, LLC | $610,000 | $840,000 | 37.7% | 0.1% |
| EVANSVILLE TEACHERS | $825,000 | n/a | 0.1% | |
| NEW DAY FINANCIAL, LLC | $455,000 | $780,000 | 71.4% | 0.1% |
| LENDSURE MORTGAGE CORP. | $205,000 | $775,000 | 278.0% | 0.1% |
| Ixonia Bank | $455,000 | $735,000 | 61.5% | 0.1% |
| Assurance Financial Group, L.L.C. | $235,000 | $720,000 | 206.4% | 0.1% |
| 21ST MORTGAGE CORPORATION | $2,290,000 | $690,000 | -69.9% | 0.1% |
| DEEPHAVEN MORTGAGE LLC | $1,015,000 | $670,000 | -34.0% | 0.1% |
| The Commercial Bank | $655,000 | n/a | 0.1% | |
| Hometown Equity Mortgage, LLC | $880,000 | $650,000 | -26.1% | 0.1% |
| SOUTHPOINT FINANCIAL SERVICES, INC. | $325,000 | $640,000 | 96.9% | 0.1% |
| Dollar Bank, Federal Savings Bank | $630,000 | n/a | 0.1% | |
| ATLANTA POSTAL | $95,000 | $625,000 | 557.9% | 0.1% |
| PENTAGON FEDERAL CREDIT UNION | $975,000 | $610,000 | -37.4% | 0.1% |
| LIMA ONE CAPITAL, LLC | $605,000 | n/a | 0.1% | |
| Fifth Third Bank | $1,180,000 | $600,000 | -49.2% | 0.1% |
| PREMIA MORTGAGE, LLC | $285,000 | $600,000 | 110.5% | 0.1% |
| Charles Schwab Bank, SSB | $585,000 | n/a | 0.1% | |
| V.I.P. MORTGAGE, INC. | $340,000 | $585,000 | 72.1% | 0.1% |
| Commerce Home Mortgage, Inc. | $580,000 | n/a | 0.1% | |
| NATION ONE MORTGAGE CORPORATION | $580,000 | n/a | 0.1% | |
| Gateway First Bank | $575,000 | n/a | 0.1% | |
| ARC HOME LLC | $540,000 | n/a | 0.1% | |
| ROYAL UNITED MORTGAGE LLC | $230,000 | $520,000 | 126.1% | 0.0% |
| Keystone Funding, Inc. | $515,000 | n/a | 0.0% | |
| DAS Acquisition Company, LLC | $505,000 | n/a | 0.0% | |
| East West Bank | $1,650,000 | $500,000 | -69.7% | 0.0% |
| LGE COMMUNITY | $495,000 | n/a | 0.0% | |
| SeaTrust Mortgage Company | $495,000 | n/a | 0.0% | |
| Total Media Management, LLC | $485,000 | n/a | 0.0% | |
| Arvest Bank | $265,000 | $475,000 | 79.2% | 0.0% |
| Franklin Loan Corporation | $1,560,000 | $475,000 | -69.6% | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $305,000 | $470,000 | 54.1% | 0.0% |
| GARDNER FINANCIAL SERVICES, LTD. | $455,000 | n/a | 0.0% | |
| NMSI, INC. | $2,710,000 | $445,000 | -83.6% | 0.0% |
| Colony Bank | $845,000 | $425,000 | -49.7% | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $785,000 | $425,000 | -45.9% | 0.0% |
| First IC Corporation | $400,000 | $415,000 | 3.8% | 0.0% |
| THE SOUTHERN Credit Union | $410,000 | n/a | 0.0% | |
| FirstBank | $2,200,000 | $395,000 | -82.0% | 0.0% |
| Citadel Servicing Corporation | $390,000 | n/a | 0.0% | |
| KeyBank | $385,000 | n/a | 0.0% | |
| Merchants Bank of Indiana | $385,000 | n/a | 0.0% | |
| BankSouth | $690,000 | $380,000 | -44.9% | 0.0% |
| Commerce Bank | $375,000 | n/a | 0.0% | |
| ENVOY MORTGAGE, LTD | $470,000 | $375,000 | -20.2% | 0.0% |
| First Savings Bank | $505,000 | $375,000 | -25.7% | 0.0% |
| MID AMERICA MORTGAGE, INC. | $975,000 | $375,000 | -61.5% | 0.0% |
| Ally Bank | $355,000 | $365,000 | 2.8% | 0.0% |
| HOMESPIRE MORTGAGE CORPORATION | $365,000 | n/a | 0.0% | |
| NP, Inc. | $365,000 | n/a | 0.0% | |
| American Mortgage & Equity Consultants, Inc. | $355,000 | n/a | 0.0% | |
| BAY EQUITY LLC | $465,000 | $355,000 | -23.7% | 0.0% |
| Simmons Bank | $345,000 | n/a | 0.0% | |
| Axos Bank | $335,000 | n/a | 0.0% | |
| Barrington Bank & Trust Company, N.A. | $350,000 | $335,000 | -4.3% | 0.0% |
| DIRECT MORTGAGE, CORP. | $335,000 | n/a | 0.0% | |
| DIRECT LENDERS, LLC | $325,000 | n/a | 0.0% | |
| DIRECT MORTGAGE LOANS, LLC | $325,000 | n/a | 0.0% | |
| SECURITY SERVICE | $325,000 | n/a | 0.0% | |
| First-Citizens Bank & Trust Company | $1,230,000 | $315,000 | -74.4% | 0.0% |
| Troy Bank and Trust Company | $315,000 | n/a | 0.0% | |
| Residential Acceptance Corporation | $305,000 | n/a | 0.0% | |
| S1L, Inc. | $25,000 | $305,000 | 1,120.0% | 0.0% |
| SOUTHWEST STAGE FUNDING, LLC | $305,000 | n/a | 0.0% | |
| UNITED MORTGAGE CORP | $305,000 | n/a | 0.0% | |
| CREDIT UNION FINANCIAL SERVICES, LLC | $295,000 | n/a | 0.0% | |
| Old National Bank | $295,000 | n/a | 0.0% | |
| TJC Mortgage, Inc. | $295,000 | n/a | 0.0% | |
| United Bank | $290,000 | n/a | 0.0% | |
| Exchange Bank | $285,000 | n/a | 0.0% | |
| Performance Financial, Inc. | $285,000 | n/a | 0.0% | |
| UBS Bank USA | $275,000 | n/a | 0.0% | |
| T2 FINANCIAL LLC | $335,000 | $265,000 | -20.9% | 0.0% |
| A&D Mortgage LLC | $855,000 | $255,000 | -70.2% | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | $465,000 | $240,000 | -48.4% | 0.0% |
| HSBC BANK USA, NATIONAL ASSOCIATION | $235,000 | n/a | 0.0% | |
| RANLIFE, INC. | $235,000 | n/a | 0.0% | |
| HOMEXPRESS MORTGAGE CORP. | $225,000 | n/a | 0.0% | |
| BancorpSouth | $1,420,000 | $220,000 | -84.5% | 0.0% |
| TOWER | $210,000 | $210,000 | 0.0% | 0.0% |
| Evolve Bank & Trust | $205,000 | n/a | 0.0% | |
| AMERICAN FINANCING CORPORATION | $835,000 | $195,000 | -76.6% | 0.0% |
| MEMBER FIRST MORTGAGE, LLC | $190,000 | n/a | 0.0% | |
| Elements Financial Federal Credit Union | $185,000 | n/a | 0.0% | |
| ENDEAVOR CAPITAL, LLC. | $185,000 | n/a | 0.0% | |
| Peoples Bank | $395,000 | $185,000 | -53.2% | 0.0% |
| MidFirst Bank | $175,000 | n/a | 0.0% | |
| ROUNDPOINT MORTGAGE SERVICING CORPORATION | $175,000 | n/a | 0.0% | |
| Wolfe Financial, Inc | $305,000 | $175,000 | -42.6% | 0.0% |
| BETTER MORTGAGE CORPORATION | $1,370,000 | $165,000 | -88.0% | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | $550,000 | $145,000 | -73.6% | 0.0% |
| APCO EMPLOYEES | $130,000 | n/a | 0.0% | |
| EASTMAN | $175,000 | $105,000 | -40.0% | 0.0% |
| Goldwater Bank, N.A. | $105,000 | n/a | 0.0% | |
| HALLCO COMMUNITY CREDIT UNION | $170,000 | $105,000 | -38.2% | 0.0% |
| SENTE MORTGAGE, INC. | $105,000 | n/a | 0.0% | |
| TRIAD FINANCIAL SERVICES, INC. | $335,000 | $105,000 | -68.7% | 0.0% |
| SPRING EQ, LLC | $140,000 | $100,000 | -28.6% | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | $420,000 | $95,000 | -77.4% | 0.0% |
| CDC Federal Credit Union | $110,000 | $90,000 | -18.2% | 0.0% |
| HomeTrust Bank | $205,000 | $75,000 | -63.4% | 0.0% |
| RESIDENTIAL BANCORP | $335,000 | $75,000 | -77.6% | 0.0% |
| ALLIANT CREDIT UNION | $495,000 | $55,000 | -88.9% | 0.0% |
| Bethpage Federal Credit Union | $295,000 | $55,000 | -81.4% | 0.0% |
| Pinnacle Bank | $430,000 | $25,000 | -94.2% | 0.0% |
Jefferson's top lender by overall market share is CBRE MULTIFAMILY CAPITAL, INC., with 6.4% market share. In second place, with 6.2%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $65,515,000 in loans. In third place, with 5.1%, is VICTORY MORTGAGE, L.L.C., having originated $53,745,000 in loans. In fourth place, with 4.9%, is QUICKEN LOANS, LLC, having originated $51,885,000 in loans. In fifth place, with 4.2%, is DHI MORTGAGE COMPANY, LTD., having originated $44,830,000 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%) | $317,556 (16.4%) | 0.00 | 526 |
| 2018-02-01 | $266,750 (11.8%) | $314,048 (11.1%) | 0.00 | 536 |
| 2018-03-01 | $273,420 (11.4%) | $319,685 (11.5%) | 0.00 | 474 |
| 2018-04-01 | $289,181 (16.2%) | $333,786 (15.4%) | 0.00 | 451 |
| 2018-05-01 | $294,708 (17.9%) | $342,743 (17.5%) | 0.00 | 426 |
| 2018-06-01 | $296,475 (16.1%) | $350,754 (17.9%) | 0.00 | 426 |
| 2018-07-01 | $285,098 (12.1%) | $343,143 (16.6%) | 0.00 | 466 |
| 2018-08-01 | $280,911 (10.2%) | $336,826 (12.3%) | 0.00 | 482 |
| 2018-09-01 | $282,763 (8.3%) | $335,193 (11.9%) | 0.00 | 491 |
| 2018-10-01 | $276,647 (5.3%) | $331,082 (9.6%) | 0.00 | 608 |
| 2018-11-01 | $276,072 (5.2%) | $328,461 (7.6%) | 0.00 | 607 |
| 2018-12-01 | $275,699 (4.4%) | $329,822 (6.2%) | 0.00 | 587 |
| 2019-01-01 | $279,546 (3.2%) | $331,531 (4.4%) | 0.00 | 541 |
| 2019-02-01 | $288,850 (8.3%) | $343,764 (9.5%) | 0.00 | 532 |
| 2019-03-01 | $282,074 (3.2%) | $329,987 (3.2%) | 0.00 | 597 |
| 2019-04-01 | $274,497 (-5.1%) | $309,920 (-7.2%) | 0.00 | 669 |
| 2019-05-01 | $274,087 (-7.0%) | $306,956 (-10.4%) | 0.00 | 621 |
| 2019-06-01 | $266,126 (-10.2%) | $306,899 (-12.5%) | 0.00 | 630 |
| 2019-07-01 | $268,118 (-6.0%) | $325,781 (-5.1%) | 0.00 | 625 |
| 2019-08-01 | $266,655 (-5.1%) | $317,363 (-5.8%) | 0.00 | 636 |
| 2019-09-01 | $265,755 (-6.0%) | $306,291 (-8.6%) | 0.00 | 618 |
| 2019-10-01 | $272,128 (-1.6%) | $317,590 (-4.1%) | 0.00 | 548 |
| 2019-11-01 | $279,913 (1.4%) | $332,572 (1.3%) | 0.00 | 459 |
| 2019-12-01 | $284,173 (3.1%) | $326,651 (-1.0%) | 0.00 | 428 |
| 2020-01-01 | $284,900 (1.9%) | $324,528 (-2.1%) | 0.00 | 405 |
| 2020-02-01 | $285,000 (-1.3%) | $331,736 (-3.5%) | 0.00 | 402 |
| 2020-03-01 | $283,721 (0.6%) | $330,388 (0.1%) | 0.00 | 379 |
| 2020-04-01 | $285,193 (3.9%) | $329,074 (6.2%) | 0.00 | 411 |
| 2020-05-01 | $289,995 (5.8%) | $338,299 (10.2%) | 0.00 | 407 |
| 2020-06-01 | $300,051 (12.8%) | $350,693 (14.3%) | 0.00 | 367 |
| 2020-07-01 | $300,867 (12.2%) | $355,404 (9.1%) | 0.00 | 356 |
| 2020-08-01 | $305,509 (14.6%) | $355,401 (12.0%) | 0.00 | 340 |
| 2020-09-01 | $313,150 (17.8%) | $361,308 (18.0%) | 0.00 | 297 |
| 2020-10-01 | $314,900 (15.7%) | $358,278 (12.8%) | 0.00 | 274 |
| 2020-11-01 | $310,596 (11.0%) | $368,331 (10.8%) | 0.00 | 252 |
| 2020-12-01 | $300,876 (5.9%) | $374,709 (14.7%) | 0.00 | 241 |
| 2021-01-01 | $299,945 (5.3%) | $376,285 (16.0%) | 0.00 | 209 |
| 2021-02-01 | $314,038 (10.2%) | $400,336 (20.7%) | 0.00 | 170 |
| 2021-03-01 | $318,578 (12.3%) | $415,260 (25.7%) | 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 | $379,950 (26.3%) | $470,921 (32.5%) | 0.00 | 168 |
| 2021-08-01 | $379,450 (24.2%) | $461,446 (29.8%) | 0.00 | 203 |
| 2021-09-01 | $403,689 (28.9%) | $478,009 (32.3%) | 0.00 | 233 |
| 2021-10-01 | $409,000 (29.9%) | $480,720 (34.2%) | 0.00 | 242 |
| 2021-11-01 | $422,995 (36.2%) | $484,125 (31.4%) | 0.00 | 235 |
| 2021-12-01 | $445,174 (48.0%) | $498,429 (33.0%) | 0.00 | 225 |
| 2022-01-01 | $474,429 (58.2%) | $530,358 (41.0%) | 0.00 | 163 |
| 2022-02-01 | $458,339 (46.0%) | $532,509 (33.0%) | 0.00 | 151 |
| 2022-03-01 | $468,768 (47.1%) | $544,515 (31.1%) | 0.00 | 151 |
| 2022-04-01 | $475,000 (42.9%) | $556,522 (31.9%) | 0.00 | 165 |
| 2022-05-01 | $487,495 (39.3%) | $567,396 (30.4%) | 0.00 | 211 |
| 2022-06-01 | $478,554 (28.5%) | $561,147 (24.1%) | 0.00 | 262 |
| 2022-07-01 | $472,324 (24.3%) | $556,085 (18.1%) | 0.00 | 349 |
| 2022-08-01 | $471,943 (24.4%) | $552,629 (19.8%) | 0.00 | 387 |
| 2022-09-01 | $472,664 (17.1%) | $535,877 (12.1%) | 0.00 | 424 |
| 2022-10-01 | $450,000 (10.0%) | $515,922 (7.3%) | 0.00 | 465 |
| 2022-11-01 | $439,704 (4.0%) | $519,610 (7.3%) | 0.00 | 455 |
| 2022-12-01 | $427,420 (-4.0%) | $521,568 (4.6%) | 0.00 | 434 |
| 2023-01-01 | $432,107 (-8.9%) | $525,217 (-1.0%) | 0.00 | 386 |
| 2023-02-01 | $439,464 (-4.1%) | $522,534 (-1.9%) | 0.00 | 362 |
| 2023-03-01 | $445,450 (-5.0%) | $527,291 (-3.2%) | 0.00 | 351 |
| 2023-04-01 | $439,900 (-7.4%) | $521,802 (-6.2%) | 0.00 | 350 |
| 2023-05-01 | $445,400 (-8.6%) | $526,389 (-7.2%) | 0.00 | 340 |
| 2023-06-01 | $449,087 (-6.2%) | $505,831 (-9.9%) | 0.00 | 349 |
| 2023-07-01 | $449,900 (-4.8%) | $512,118 (-7.9%) | 0.00 | 354 |
| 2023-08-01 | $446,678 (-5.4%) | $504,342 (-8.7%) | 0.00 | 362 |
| 2023-09-01 | $446,450 (-5.6%) | $494,977 (-7.6%) | 0.00 | 370 |
| 2023-10-01 | $440,023 (-2.2%) | $499,201 (-3.2%) | 0.00 | 396 |
| 2023-11-01 | $444,877 (1.2%) | $510,934 (-1.7%) | 0.00 | 407 |
| 2023-12-01 | $442,000 (3.4%) | $517,035 (-0.9%) | 0.00 | 401 |
| 2024-01-01 | $445,009 (3.0%) | $525,343 (0.0%) | 0.00 | 377 |
| 2024-02-01 | $441,820 (0.5%) | $527,993 (1.0%) | 0.00 | 385 |
| 2024-03-01 | $440,000 (-1.2%) | $532,702 (1.0%) | 0.00 | 398 |
| 2024-04-01 | $445,120 (1.2%) | $550,550 (5.5%) | 0.00 | 435 |
| 2024-05-01 | $465,625 (4.5%) | $562,306 (6.8%) | 0.00 | 492 |
| 2024-06-01 | $474,445 (5.7%) | $562,140 (11.1%) | 0.00 | 529 |
| 2024-07-01 | $475,000 (5.6%) | $568,115 (10.9%) | 0.00 | 559 |
| 2024-08-01 | $474,168 (6.2%) | $578,204 (14.7%) | 0.00 | 580 |
| 2024-09-01 | $468,101 (4.9%) | $575,882 (16.4%) | 0.00 | 619 |
| 2024-10-01 | $464,973 (5.7%) | $575,616 (15.3%) | 0.00 | 640 |
| 2024-11-01 | $465,000 (4.5%) | $573,494 (12.2%) | 0.00 | 630 |
| 2024-12-01 | $462,350 (4.6%) | $560,434 (8.4%) | 0.00 | 578 |
| 2025-01-01 | $465,076 (4.5%) | $567,245 (8.0%) | 0.00 | 513 |
| 2025-02-01 | $469,993 (6.4%) | $571,642 (8.3%) | 0.00 | 532 |
| 2025-03-01 | $475,000 (8.0%) | $576,099 (8.2%) | 0.00 | 552 |
Jefferson's median listing price for 2025-03-01 was $475,000, a difference of
$35,000
(8.0%) versus the prior year and
$5,007 versus the prior month.
Jefferson's median listing price comes in at 0% of the national average.
Jefferson's average listing price for 2025-03-01 was $576,099, a difference of $43,397 (8.2%) versus the prior year and $4,457 versus the prior month.
For the 2025-03-01 period, Jefferson had 552 MLS listings, a difference of 20 listings (4%) versus the prior month and 154 listings (39%) versus the prior year.
Jefferson's median listing price comes in at 0% of the national average.
Jefferson's average listing price for 2025-03-01 was $576,099, a difference of $43,397 (8.2%) versus the prior year and $4,457 versus the prior month.
For the 2025-03-01 period, Jefferson had 552 MLS listings, a difference of 20 listings (4%) versus the prior month and 154 listings (39%) 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 | 2,593 sqft |
| 2018-02-01 | 0 days | 2,575 sqft |
| 2018-03-01 | 0 days | 2,549 sqft |
| 2018-04-01 | 0 days | 2,580 sqft |
| 2018-05-01 | 0 days | 2,571 sqft |
| 2018-06-01 | 0 days | 2,587 sqft |
| 2018-07-01 | 0 days | 2,568 sqft |
| 2018-08-01 | 0 days | 2,517 sqft |
| 2018-09-01 | 0 days | 2,580 sqft |
| 2018-10-01 | 0 days | 2,529 sqft |
| 2018-11-01 | 0 days | 2,544 sqft |
| 2018-12-01 | 0 days | 2,537 sqft |
| 2019-01-01 | 0 days | 2,580 sqft |
| 2019-02-01 | 0 days | 2,599 sqft |
| 2019-03-01 | 0 days | 2,601 sqft |
| 2019-04-01 | 0 days | 2,586 sqft |
| 2019-05-01 | 0 days | 2,614 sqft |
| 2019-06-01 | 0 days | 2,580 sqft |
| 2019-07-01 | 0 days | 2,584 sqft |
| 2019-08-01 | 0 days | 2,577 sqft |
| 2019-09-01 | 0 days | 2,562 sqft |
| 2019-10-01 | 0 days | 2,526 sqft |
| 2019-11-01 | 0 days | 2,509 sqft |
| 2019-12-01 | 0 days | 2,500 sqft |
| 2020-01-01 | 0 days | 2,501 sqft |
| 2020-02-01 | 0 days | 2,500 sqft |
| 2020-03-01 | 0 days | 2,500 sqft |
| 2020-04-01 | 0 days | 2,495 sqft |
| 2020-05-01 | 0 days | 2,493 sqft |
| 2020-06-01 | 0 days | 2,504 sqft |
| 2020-07-01 | 0 days | 2,524 sqft |
| 2020-08-01 | 0 days | 2,546 sqft |
| 2020-09-01 | 0 days | 2,531 sqft |
| 2020-10-01 | 0 days | 2,440 sqft |
| 2020-11-01 | 0 days | 2,502 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 | 2,416 sqft |
| 2021-04-01 | 0 days | 2,361 sqft |
| 2021-05-01 | 0 days | 2,371 sqft |
| 2021-06-01 | 0 days | 2,386 sqft |
| 2021-07-01 | 0 days | 2,366 sqft |
| 2021-08-01 | 0 days | 2,463 sqft |
| 2021-09-01 | 0 days | 2,564 sqft |
| 2021-10-01 | 0 days | 2,552 sqft |
| 2021-11-01 | 0 days | 2,650 sqft |
| 2021-12-01 | 0 days | 2,712 sqft |
| 2022-01-01 | 0 days | 2,707 sqft |
| 2022-02-01 | 0 days | 2,592 sqft |
| 2022-03-01 | 0 days | 2,630 sqft |
| 2022-04-01 | 0 days | 2,508 sqft |
| 2022-05-01 | 0 days | 2,506 sqft |
| 2022-06-01 | 0 days | 2,588 sqft |
| 2022-07-01 | 0 days | 2,508 sqft |
| 2022-08-01 | 0 days | 2,496 sqft |
| 2022-09-01 | 0 days | 2,488 sqft |
| 2022-10-01 | 0 days | 2,436 sqft |
| 2022-11-01 | 0 days | 2,467 sqft |
| 2022-12-01 | 0 days | 2,408 sqft |
| 2023-01-01 | 0 days | 2,426 sqft |
| 2023-02-01 | 0 days | 2,467 sqft |
| 2023-03-01 | 0 days | 2,462 sqft |
| 2023-04-01 | 0 days | 2,448 sqft |
| 2023-05-01 | 0 days | 2,442 sqft |
| 2023-06-01 | 0 days | 2,452 sqft |
| 2023-07-01 | 0 days | 2,500 sqft |
| 2023-08-01 | 0 days | 2,482 sqft |
| 2023-09-01 | 0 days | 2,433 sqft |
| 2023-10-01 | 0 days | 2,422 sqft |
| 2023-11-01 | 0 days | 2,438 sqft |
| 2023-12-01 | 0 days | 2,424 sqft |
| 2024-01-01 | 0 days | 2,486 sqft |
| 2024-02-01 | 0 days | 2,448 sqft |
| 2024-03-01 | 0 days | 2,484 sqft |
| 2024-04-01 | 0 days | 2,491 sqft |
| 2024-05-01 | 0 days | 2,539 sqft |
| 2024-06-01 | 0 days | 2,551 sqft |
| 2024-07-01 | 0 days | 2,551 sqft |
| 2024-08-01 | 0 days | 2,518 sqft |
| 2024-09-01 | 0 days | 2,494 sqft |
| 2024-10-01 | 0 days | 2,485 sqft |
| 2024-11-01 | 0 days | 2,459 sqft |
| 2024-12-01 | 0 days | 2,436 sqft |
| 2025-01-01 | 0 days | 2,500 sqft |
| 2025-02-01 | 0 days | 2,486 sqft |
| 2025-03-01 | 0 days | 2,500 sqft |
Jefferson's median listing age (time on market) for 2025-03-01 was 0 days.
Jefferson's median square footage for active listings during the 2025-03-01 period was 2,500 sqft. One year prior, the average listing was 2,484 sqft.
Jefferson's median square footage for active listings during the 2025-03-01 period was 2,500 sqft. One year prior, the average listing was 2,484 sqft.
Jefferson, GA Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 2,045 | $753,845,000 | $368,628 |
| Cash Out Refi | 372 | $87,270,000 | $234,597 |
| Refi | 279 | $175,685,000 | $629,695 |
| Other | 227 | $23,915,000 | $105,352 |
| Home Improvement | 206 | $21,320,000 | $103,495 |
Jefferson's most frequently cited loan purpose was Home Purchase, with 2,045 originations. The 2nd most popular reason was Cash Out Refi, with 372 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 1,281 | $448,215,000 | $349,895 |
| 5-6% | 663 | $300,285,000 | $452,919 |
| 7-8% | 515 | $160,465,000 | $311,583 |
| Over 8% | 473 | $84,175,000 | $177,960 |
| 4-5% | 100 | $38,520,000 | $385,200 |
| <2.5% | 22 | $1,870,000 | $85,000 |
| 2.5-3% | 6 | $1,050,000 | $175,000 |
| 3-4% | 5 | $1,395,000 | $279,000 |
During 2024, Jefferson's most frequently originated rate bucket was 6-7%, with 1,281 originations.
Loan Sizing (Jefferson, GA MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 1,503 | $463,235,000 | $308,207 |
| $400k-600k | 675 | $315,315,000 | $467,133 |
| $100,000 or less | 446 | $24,600,000 | $55,157 |
| $100k-200k | 375 | $54,115,000 | $144,307 |
| $600k-1000k | 111 | $78,195,000 | $704,459 |
| $Over $1MM | 19 | $126,575,000 | $6,661,842 |
Jefferson's loan sizing saw the bucket of loans from $200k-400k with 1,503 originations, totaling $463,235,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 1,342 | $526,540,000 | $392,355 |
| 60-80% | 668 | $328,150,000 | $491,243 |
| Under 20% | 396 | $23,970,000 | $60,530 |
| 40-60% | 298 | $80,270,000 | $269,362 |
| 20-40% | 285 | $42,195,000 | $148,053 |
| Over 100% | 34 | $19,050,000 | $560,294 |
Jefferson's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 1,342 originations, totaling $526,540,000 in origination value.